[rjmunro]

I would market this as an app for a few friends to install and keep track of what they owe each other when one of them settles the bill at a restaurant. Whoever owed the most could settle that day, and everyone else's bill would be deducted. A network of friends could expand from there.

A "credit card" has negative connotations for many people.

Watching the "setting up" video here: https://docs.offsetcredit.org/en/latest/intro/app_manual.htm... it's too convoluted. Everything that needs turning on should be turned on by default. The default servers should be used unless you go into settings before you start and turn them off. When you add a friend, the default currency should be selected, and a default amount put in ($50 seems a reasonable starting amount that I'd be prepared for a friend to owe me, but the default should go in settings).

It would be good if the names of your friends copied over automatically.

[realcr]

This comment contains some really useful feedback. Highly appreciated. Not sure what would be a good branding instead of using the term "credit card". What do you think?

About the default servers, I always have the fear the system will become too centralized, so I tried to force the user to understand he can pick any server he wants. Maybe I am wrong here, this needs some extra consideration.

About the other defaults that seem convoluted: I picked those due to security considerations, but maybe you are correct, and it is better to leave things open by default there.

If you are interested in reviewing the next versions before they are published, please stay in touch. You can send me an email directly or join the mailing list if you like.