--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Dibs: Split the Bill" developer_entity: "CHICO RAMOS MALTO" bundle_id: "studio.firechy.dibs" app_store_id: "6785724705" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2026-07-28" report_date: "2026-09-10" last_verified: "2026-09-10T00:00:00.000Z" report_version: "1.2.0" total_reviews: 5 overall_rating: 5 sentiment: "Thrilled" sentiment_score: 90 confidence: "medium" confidence_score: 0.45 top_praise_theme: "Receipt scanning functionality provides a frictionless way to split bills among friends without manual entry" review_sample_size: 1 total_review_count: 1 analyzed_review_count: 1 data_age_days: 32 momentum_velocity: "maintenance" intelligence_version: 2 tags: ["finance", "free", "thrilled sentiment", "mobile app", "app review", "app analysis", "restaurant", "diners", "split"] canonical_url: "https://marlvel.ai/apps/dibs-split-the-bill" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Dibs: Split the Bill Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 5 · Sentiment Thrilled - **Recent focus**: Receipt scanning functionality provides a frictionless way to split bills among friends without manual entry (top praise) > **TL;DR:** Dibs: Split the Bill is a finance app by CHICO RAMOS MALTO, rated 5/5 by 5 users, with Thrilled user sentiment (90/100), available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Dibs: Split the Bill maintains Thrilled user sentiment (5/5 from 5 reviews), with users consistently praising receipt scanning functionality provides a frictionless way to split bills among friends without manual entry. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 5/5 (5 reviews) | | **User Mood** | Thrilled | | **Category** | Finance | | **Developer** | CHICO RAMOS MALTO | | **Pricing** | Free | | **Platforms** | iOS | | **Confidence** | Medium (0.45/1.0) | | **Data Age** | 32d | ## Metadata & Market Performance - **Publisher:** CHICO RAMOS MALTO - **Category:** Finance - **Target Audience:** Restaurant diners who want to split bills accurately by item without creating accounts or using cloud-based ledger services. - **Platforms:** iOS - **Version Reviewed:** 1.2.0 - **Report Date:** 2026-09-10 - **Signal Count:** 1 review analyzed - **Confidence:** Medium (0.45/1.0) - **App Store ID (iOS):** 6785724705 - **Bundle ID:** studio.firechy.dibs - **Data Window:** Analysis based on signals collected up to 2026-09-10 ## Executive Snapshot **What it is:** Dibs is a bill-splitting utility for iOS that uses on-device receipt scanning to calculate proportional diner totals. **Why users hire it:** It removes the manual math and social friction of splitting restaurant bills by item, rather than relying on flat-rate divisions. ## App DNA (Features & Intent) - **[Differentiator] On-device Receipt Scanning:** Uses Apple Vision framework to parse receipt text locally without cloud uploads or server-side processing. * *User Intent:* Users expect seamless access across multiple devices. - **[Differentiator] Proportional Bill Splitting:** Calculates tax and tip distribution based on individual item subtotals rather than flat splits. * *User Intent:* Users seek enhanced value through premium features. - **[Standard] Venmo Deep Link Handoff:** Generates pre-filled payment requests for external settlement via Venmo or plain-text share sheets. * *User Intent:* Users seek social connection and competitive engagement with peers. ## Market Position {#market-position} Dibs holds a 5.0-star rating on the App Store, though its limited review volume (5 ratings) indicates a nascent market presence. The app's focus on local-first processing differentiates it from the account-heavy, cloud-reliant ledger services that dominate the Finance category. ## Monetization Strategy - **Model:** Free - **Tiers:** Fully functional free version, Optional voluntary tip jar - **Analysis:** The app operates on a free model with no feature gates, relying on an optional, non-functional tip jar for monetization. ## 🟢 User Sentiment (Medium Confidence: 1 of 1 review analyzed) {#user-sentiment} - **Overall Rating:** 5/5 - **Platform Split:** iOS 5.0/5 (5 ratings) - **Overall Sentiment:** Thrilled ### Top Praises - **Receipt scanning functionality provides a frictionless way to split bills among friends without manual entry** ## SWOT Analysis {#swot} **Core Strengths:** - On-device Apple Vision parsing eliminates server-side latency and privacy concerns - Proportional tax and tip math provides high-utility value for complex group dining **Growth Levers:** - Localized pricing or premium features could be tested in high-ARPU markets where competitors charge for advanced bill splitting ## What's New - **Latest (v1.2.0, 1 months ago):** Introduced manual payment tracking for splits via swipe or long-press, and reorganized the home screen to group bills by Active and Settled status. ## App Momentum (Maintenance) {#momentum} - Shipped bill tracking and status updates. - Organized home screen by bill status. - Maintenance-only cadence, last update 44 days ago. > **Cadence:** 1 total versions · 1 majors in last 6 months · 44 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Dibs: Split the Bill is a finance app that is completely free. It holds a 5/5 rating from 5 reviews. > **Bottom Line:** Dibs' on-device scanning architecture provides a defensible privacy advantage, but the current maintenance-only cadence leaves the app vulnerable to feature-parity moves by larger ledger-based rivals. Prioritizing scan accuracy would solidify the retention loop for power users. **Best for:** Restaurant diners who want to split bills accurately by item without creating accounts or using cloud-based ledger services. ### PM Action Plan (Next Best Moves) - [ ] [INVEST] Ship automated OCR error-correction prompts because receipt-scan accuracy is the primary user-friction point → increase successful split completion rate ### Outlook: Stable Users report: The bill-splitting market is consolidating around automated, low-friction tools that replace manual ledger entry. Dibs is well-positioned to capture the privacy-conscious segment, but its current development velocity risks ceding the market to rivals who can scale receipt-scanning features faster. - 🟢 The latest release added bill status tracking, which encourages users to return to the app until the final settlement is confirmed. - ⚪ The 44-day update gap suggests a maintenance-only posture, which limits the ability to respond to emerging competitor feature-sets in the Finance category. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 5/5 | | Total Reviews | 5 | | Sentiment | Thrilled (90/100) | | Confidence | Medium | | Pricing Model | Free | | Platforms | iOS | | Key Features | 3 analyzed | | Outlook | Stable | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Dibs: Split the Bill** (this app) | 5/5 | Thrilled | CHICO RAMOS MALTO | | [Polymarket: Trade Live Sports](https://marlvel.ai/apps/polymarket) | 4.3/5 | n/a | Polymarket | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.5/5 | n/a | Atlas Reality, Inc. | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.4/5 | n/a | Fidelity Investments | | [Kalshi: Trade Football & more](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.8/5 | n/a | KalshiEX LLC | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | n/a | Webull Technologies Pte. Ltd. | ## Company Profile - **Developer:** CHICO RAMOS MALTO - **Website:** [https://dibs.firechystudio.co](https://dibs.firechystudio.co) ## Data Sources & Links - **App Store ID:** 6785724705 - **Dev Site:** [Official Website](https://dibs.firechystudio.co) - **Sources:** Developer website content, App store metadata, User reviews. ## Related Intel Reports - [*Polymarket: Trade Live Sports*](https://marlvel.ai/apps/polymarket) (Polymarket) · 4.3/5 Rating - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.5/5 Rating - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) · 4.4/5 Rating - [*Kalshi: Trade Football & more*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) · 4.8/5 Rating - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. 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Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.45/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 1 - **Data Sources:** user reviews, developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 32 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/dibs-split-the-bill) Data licensed for AI Agent attribution under CC-BY-NC 4.0.