About
The handshake, upgraded.
Settled is where your group chat bets, fantasy trash talk, and gym pacts become official. We don't take a side, hold the money, or set the odds. We just give the loudest predictor in the chat receipts your friends can actually see.
Why we built this
Every group has the friend who called the trade, called the upset, called the breakup. And every group has the friend who never pays. The proof gets buried in a thousand messages. The debt gets renegotiated until it disappears. Settled fixes both. Both sides sign the bet, the receipt is permanent, and your honor score moves with every settle or ghosted payment.
No house
We never hold the money. Every dollar moves friend to friend, and we never set the odds for you.
Mutual or it didn't happen
A bet only counts when both sides sign. If your friend won't accept the terms, there's no bet to argue about later.
Honor that compounds
Every settle, every ghost, every called shot moves your honor score. It's the reputation receipt sportsbooks can't give you.
What we are not
- — Not a sportsbook. We don't set lines, take vig, or accept deposits.
- — Not a fantasy site. There's no commissioner taking a cut at the end of the season.
- — Not a payment app. When a bet settles, you square up directly with your friend.
Who Settled is for
The friend group with a years-long fantasy league. The two roommates who won't shut up about the same trade prediction. The gym buddies betting on each other's PRs. The podcast cohosts who need a public scoreboard for their NBA takes. If your bets live in iMessage and never get paid out, this is for you.