Split a bill with a roommate, lend a friend money, or run a running tab with someone you do business with regularly, and you hit the same annoyance every time: you write it down, and so do they, separately, and eventually the two records disagree. Someone forgot an entry, someone fat-fingered an amount, and now you’re comparing notes to find the mistake instead of just looking at one shared truth.
Amunta lets two people link their accounts so a transaction one of them records shows up on both sides automatically. Here’s exactly how that works, including the parts that involve trusting the other person with your money — because that deserves more than a one-line feature description.
Linking without exchanging contact details
To link with someone, you exchange network IDs — short codes that look like SF-XXXXXXX — not phone numbers or email addresses. We covered the privacy mechanics of this elsewhere; the short version is that registering for a network ID never sends your name, phone, or email to a server. Linking just means telling the app “this ID belongs to someone I trust,” nothing more.
Two link modes, and they’re genuinely different
When you link with someone, you choose between two modes, and the difference isn’t cosmetic:
A-Link (the default) syncs shared transactions automatically. When the other person records something that involves you — a loan, a deferred sale, a shared invoice — it’s delivered and treated as confirmed as soon as it reaches the relay. You don’t have to tap “accept” for it to show up in your ledger.
A-Link+ (Beta) adds a real gate: for transactions that create or change a debt — a loan, a deposit, anything that moves the balance between you — the receiving side gets a notification and has to actively accept or reject it before it’s recorded on their copy of the ledger. Nothing affecting what you owe each other gets written without you seeing it first.
That distinction is enforced in the sync logic itself, not just described in a settings screen: debt-affecting transactions under A-Link+ wait for bilateral confirmation; everything else, and everything under standard A-Link, doesn’t need it. One more honest detail: A-Link+ is currently scoped to personal-to-personal links. If you link with a contact registered as a business or store account, the app automatically falls back to standard A-Link — the mutual-approval mode isn’t available there yet.
What it actually looks like
Once linked, a shared invoice shows up with both perspectives — the buyer’s view and the seller’s view of the same transaction, kept in sync rather than recreated twice. If your linked contact records a cash purchase from their side, it appears on yours with the matching details, not a number you have to trust blindly.
Why this matters more than “it syncs”
Plenty of apps will tell you a feature “syncs in real time” without telling you what that means for trust. The honest version of this feature is: A-Link gives you convenience and assumes goodwill, the way handing someone your half of a shared spreadsheet does. A-Link+ gives up some of that convenience to add an actual checkpoint specifically where money changes hands between you. Which one you want depends on who you’re linking with — a partner you fully trust with quick shared entries, or a business relationship where you’d rather see and approve anything that affects what you owe before it’s final.
We’d rather you pick the one that matches the relationship than assume one mode fits every case.