Terranos Manual

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Costs and financial summary ​

Ghiță's Retezat trip last weekend cost 200 RON each: 80 for transport (split between the four people in Levente's car), 70 for cabana Pietrele, 50 for the obligatory rescue insurance. After the trip he opens Organizer > Financial and exports the CSV — five rows, total 1000 RON, who paid what, who hasn't paid yet. He texts the two people who haven't paid yet. The next week the spreadsheet zeros out.

Terranos tracks costs. It doesn't move money. The split-the-bill math, the "who paid what" record, the CSV for your own records — those are here. The actual transfer of money happens between you and the participants directly, on whatever channel you usually use.

On the activity page ​

When the organizer fills in costs, the activity details page shows a costs section with three lines:

  • Transport — driver-set, split per pickup point. See Transport for the proportional split math.
  • Equipment / rental — costs related to gear (cabana fees, rental gear, equipment that has to be paid).
  • Other — anything else: insurance, food, permits, parking.

For participants, each line shows:

  • The total for the activity.
  • Your estimated share, based on your pickup point and equipment declarations.

Estimates only. They become firm once the activity is completed and the organizer reconciles.

Per-pickup-point transport split ​

Take Levente's transport offer:

  • Total cost: 80 RON for full route (Bucharest → Pitești → Sinaia → Bâlea, ~400 km).
  • Andrei boards at Bucharest. He rides the full route — pays the full per-passenger share for the full route distance.
  • Ana boards at Sinaia. She rides the last segment (Sinaia → Bâlea, ~80 km) — pays a proportional share scaled to that distance.

The math: each passenger pays a share proportional to the distance they actually travel, normalized so the sum of all per-passenger shares equals the total cost. The driver sees the per-passenger breakdown on the offer page.

This is not equal-split. Equal-split (every passenger pays the same regardless of where they board) made some people pay too much relative to their actual ride, so it was replaced.

Organizer financial view ​

Organizer > Financial shows two layers:

Per-activity breakdown ​

For each of your activities (organized, not just joined), a row with:

  • Total cost (transport + rental + other).
  • Participants count.
  • Computed per-participant share.
  • Pending vs. settled count (informational).

Tap the row to expand into the per-participant detail. Each participant has:

  • Their share total.
  • A status — pending, settled, disputed.
  • A note field for your own records.

You manually mark settled as money arrives. Terranos doesn't know when you got paid; you tell it.

Aggregated view ​

Across all your activities in a date range:

  • Total cost organized.
  • Total settled.
  • Total pending.
  • Activity count and participant count.

Filter by date range and activity type. Export as CSV from the Export button — useful for personal accounting or for a tax summary.

Profile financial hub ​

Profile > Financial aggregates costs across all your activities, organized and joined:

  • What you paid as a participant (estimated and reconciled).
  • What you should have received as an organizer.
  • Net per month, per activity type.

This is for your own awareness. There's no sharing — no other user sees your financial hub.

What Terranos does NOT do ​

To be clear, in v1:

  • No payment processing. Terranos is not a card processor, not a Revolut, not a Stripe.
  • No refund handling. If an activity is cancelled, the cancellation is recorded; the actual money flowing back is between organizer and participants.
  • No bank transfers. No IBAN handling, no SWIFT, no SEPA.
  • No escrow. Money never sits at Terranos waiting for delivery conditions.
  • No deposits. The equipment rental marketplace (v2) will involve deposits — but that's gated until v2.

The reason is simple: payment processing brings regulatory overhead that the project doesn't need to take on at this scale. As a coordination tool for outdoor activities, the cost-tracking record plus existing channels (cash, bank transfer, Revolut) is enough for how groups actually settle.

Receiving money outside the app ​

Common ways Terranos users settle:

  • Bank transfer. Slow but documented. Use it for amounts that matter.
  • Revolut / Wise. Fast and free between the same currency.
  • Cash on the day. The driver collects at the meeting point. Simple but easy to lose track of.
  • Group split apps. Splitwise, Splid, Tricount. Some organizers use these in parallel to keep the math; Terranos's tracking and a group split app aren't redundant — Terranos says "Andrei owes 200 for this activity" and the split app handles the actual money.

Pick what works for the group.

When something looks off ​

  • The number on my profile financial hub doesn't match what I paid. The hub shows what's recorded — your estimated share, with manual settlement marks if the organizer entered them. If the numbers diverge, talk to the organizer.
  • I marked someone settled but they show pending. A sync glitch. Pull to refresh on the financial screen. If it persists, the change might have been overwritten by an organizer edit.
  • The CSV export is empty. No costs are recorded for that date range, or all your activities in the range had no costs filled in.
  • A participant disputes their share. Mark them disputed and use Messages to talk it through. Terranos doesn't arbitrate; the dispute mark is just a record.