Splits vs Safe: Features and Paid Plans Compared (2026)

Splits vs Safe: Features and Paid Plans Compared (2026)

Picture of Zach Herring
7 min read

Safe is a widely used multisig wallet for teams that want onchain controls and a large app ecosystem. Splits is a multisig operating account and a Safe alternative for teams that also want banking, accounting, and AI agents in the same app.

The TLDR: Safe adds controls and integrations around a multisig, and Splits adds banking, books, and agents.

We're publishing this now because both products added paid tiers this fall. Safe Pro is a monthly subscription priced per Safe account. Splits Pro and Premium unlock when you keep a balance in Earn, with no subscription.

We make Splits, so read this with that in mind. Every Safe claim below comes from a Safe page listed under Sources, read November 12, 2026.

Splits vs Safe at a glance

SafeSplits
AccountsSelf-custodial multisig smart accounts with thresholds and nested Safes.Self-custodial multisig smart accounts. Each account has its own threshold.
Signers and recoveryWallets, hardware, and third-party MPC signers. Passkeys documented for developers.
Opt-in delayed recovery (RecoveryHub).		Passkeys in the app, no seed phrase, or wallets.
Recovery signers you choose at setup can reset any account.
Team accessFree Core plan: multisig signers, but no shared Workspace or roles.

Safe Pro: Admin and Member roles, unlimited members, 2FA.		Shared workspace with unlimited members and accounts on every tier.

Owner and Member roles. Read, Write, and Owner API keys.
Paid plansSafe Pro subscription: Starter €189 a month (2 Safe accounts).
Business starts at €669 a month for 5 accounts.		Base $0.
Pro: keep $10k in Earn.
Premium: keep $100k in Earn.
Swap fees0.70%–0.10% by trade size. 0.15%–0.05% for stablecoin pairs.0.01–0.4% on Base,
0–0.2% on Pro,
0% on Premium.
Spending limitsOnchain limit per token and spender (Allowance Module). New ones need Business or Enterprise.None onchain. Give each person or agent a dedicated account, and its balance is the budget.
BankingBanking connectivity is on the roadmap.ACH, wire, and SEPA in and out, and vendor payouts, after KYB or KYC. US and EU.
AccountingTransaction CSV. No cost basis listed.Cost basis, tax lots, categorization, a P&L, statements, and gains reports. Import into QuickBooks or Xero.
EarnDeFi lending through Kiln, 10% fee on rewards.Morpho lending on USDC, 20% fee on rewards.
AI agentsAgent as a signer. Four documented setups, SDK, and CLI. No official MCP server.Agent member with its own key on a dedicated account. CLI, API, and MCP built in.
Security checksSafe Shield threat analysis on every plan. Contract and recipient checks and simulation on Safe Pro.Decoded calls and a simulation before you sign on all plans.
Networks40+ networks.All EVM-compatible networks partially supported. 11 fully supported for indexing and accounting.

Safe Pro launched on October 6, 2026. It is a paid Workspace around Safe accounts and does not change who holds the keys. Safe prices it by the number of Safe accounts, not people, and offers it to businesses only. Prices exclude VAT, and Starter and Business come with a 30-day free trial.

What Safe Pro charges for

  • Core (free): one standalone Safe and basic Safe Shield threat analysis. Multisig signers, but no shared Workspace or roles.
  • Starter, €189 a month: 2 Safe accounts, a Workspace with unlimited members, 2FA, an activity log, a shared address book, Security Hub, Safe Shield contract and recipient checks with simulation, and up to 10 sponsored transactions a month.
  • Business, from €669 a month: 5, 10, or 20 Safe accounts. Adds new spending limits and proposers, priority support, guided onboarding, and up to 50 sponsored transactions a month.
  • Enterprise, custom: more than 20 Safe accounts, multiple Workspaces, no monthly gas cap, and an uptime target where agreed.

What Splits Pro and Premium unlock

  • Base, $0: unlimited accounts and members, Earn, automations, basic invoicing, bank transfers at 0.25%, swap fees of 0.01–0.4%, API and MCP access, and $5 in sponsored gas.
  • Pro, keep $10k in Earn: cost basis and tax lots, transaction exports, monthly statements, scheduled invoices and transactions, the first $5k a month of bank transfers with no fee, swap fees of 0–0.2%, $10 a month in sponsored gas, and higher API rate limits.
  • Premium, keep $100k in Earn: categorization rules and a P&L, 1099s for contractors and vendors, the first $50k a month of bank transfers with no fee, no swap fees, and $100 a month in sponsored gas.

How each is paid for

Safe Pro is a monthly bill that rises with the number of Safe accounts. Safe also charges a swap fee on every plan, from 0.70% down to 0.10% by trade size, or 0.15% down to 0.05% for stablecoin pairs.

Splits charges no subscription, and swap fees drop at each tier. Pro and Premium stay unlocked while you keep the balance in Earn, which lends your USDC through a Morpho vault. The money stays yours, and Splits takes 20% of the yield. See the live pricing page for the full tier list.

What Safe and Splits both do

Both are self-custodial multisig smart accounts. You and your team hold the keys, and a set number of signers must approve each transaction. Both run on EVM networks, and both let you add an AI agent as one of the signers.

Bank transfers

Safe lists banking connectivity as roadmap. In Splits, US and EU businesses and individuals can receive by ACH, wire, or SEPA and pay out to their own bank or to vendors after KYB or KYC. The fee is 0.25%, which is Bridge's fee passed through at cost. Pro and Premium waive the fee on a monthly allowance.

Crypto accounting and cost basis

Safe exports a CSV of transactions and does not list cost basis. Splits tracks cost basis and tax lots (FIFO, LIFO, or HIFO) per account, categorizes transactions into a chart of accounts, and produces a P&L, statements, and gains reports to import into QuickBooks or Xero. Our crypto accounting docs cover the reports.

AI agents as signers

Both products can give an agent its own key and require a human co-signature before anything executes. Safe's human-approval guide makes the agent one signer at a threshold of two or more. In Splits, put the agent's key on a dedicated account and set threshold 2 or more for a human co-signature. At threshold 1 the agent acts alone inside that account.

In Splits, the agent joins as an agent member and works through the CLI, API, or MCP server. Its actions appear under its own name, and the owner can remove it without its signature. The agent's account balance is its budget, so fund it with what the agent should spend. See the agent wallet page.

Account recovery

Both need setup before you lose a key. In Splits, recovery signers you choose at setup can reset any account's signers right away. Safe's Recoverer is opt-in and acts after a delay that signers can cancel, which is slower but gives you time to stop a recovery you didn't start.

Spending limits and security checks

Safe's Allowance Module lets a spender, who need not be a signer, spend a set amount of one token, once or on a reset period. It caps the amount, not who gets paid. Adding new limits needs Business or Enterprise. Safe Shield runs basic threat analysis on every plan, and Safe Pro adds contract and recipient checks and transaction simulation before you sign. Splits shows the decoded calls and a simulation before you sign, and sets budgets by giving each person or agent a dedicated account.

Networks and ecosystem

Safe says it supports 40+ networks and offers modules and guards for custom setups. Splits can run on any EVM network. Both are open source onchain. Safe has the longer record: it says 9+ years in production and 18+ independent audits.

Where Splits has limits

Splits has no onchain limits per signer, payment, or recipient: a signer can spend an account's whole balance. Splits also can't import an existing Safe.

When to choose Safe or Splits

Choose Safe if you:

  • already run many Safes, or have a Safe you cannot move
  • need permissions enforced onchain by the account itself, such as per-spender spending limits
  • rely on Safe Apps, modules, or guards
  • want threat checks before signing

Choose Splits if you:

  • want bank transfers, accounting, and agents in the same app
  • want unlimited accounts and seats without a per-account bill
  • would rather unlock paid features with an Earn balance than a monthly subscription
  • run AI agents through MCP

FAQ

What's a good Safe alternative for a small team?
Splits is a Safe wallet alternative for teams that want accounts, banking, books, and Earn in one app. Splits has unlimited accounts and seats on the free Base tier. Safe's free Core plan covers one standalone Safe without a team Workspace, and Safe Pro Starter covers two Safe accounts for €189 a month.

Is Splits a multisig like Safe?
Yes. Splits accounts are self-custodial multisig smart accounts, each with its own threshold. Signers can be passkeys in the app or wallets.

How much does Safe Pro cost compared with Splits Pro?
Safe Pro Starter is €189 a month and Business starts at €669, excluding VAT. Splits Pro unlocks at $10k in Earn and Premium at $100k in Earn, with no subscription.

Can an AI agent use a Safe or a Splits account?
Yes, on both. Each can give the agent its own key on a dedicated account, with a human co-signer at threshold 2 or more. Safe adds per-token spending limits on Business and Enterprise; Splits adds MCP. See the AI agents docs.

Can I move from Safe to Splits?
Splits can't import an existing Safe. To switch, create Splits accounts with the signers and thresholds you want, transfer your funds from the Safe, then import your Safe's address so your assets keep their cost basis and holding period.

Does Safe track cost basis for taxes?
Safe does not list cost basis. Its CSV export lists transactions. Splits tracks cost basis and tax lots per account.

Try Splits

Create a workspace at app.splits.org.

Sources

Safe facts, read November 12, 2026:

Splits facts come from splits.org/docs and the live pricing page. Plans change, so check both sides before you buy.

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