Product design question

How would you design a feature in Venmo that helps users manage shared expenses with roommates more easily?

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What this question tests

Product design for a recurring, multi person use case, distinct from Venmo's core one off peer payment.

Define the user: roommates sharing recurring costs like rent and utilities who currently track and split manually or with a separate app.
Identify the gap: Venmo handles one off payments well but has no recurring group expense tracking or automatic splitting.
Propose a shared household space where recurring bills are logged, auto split by agreed ratio, with reminders for unpaid shares.
Integrate with existing Venmo payment rails so settling a share is one tap, not a separate manual transfer.
Define success: percentage of logged shared expenses settled within a set window, and month over month household retention.

Targets the specific gap that Venmo's current one off transfer model does not solve, rather than a generic split bills pitch.
Ties the new feature directly into Venmo's existing payment rails, avoiding a disconnected companion app feel.
Uses settlement rate and month over month retention as metrics, appropriate for a recurring use feature.

Proposing a feature that duplicates Splitwise without a clear reason Venmo users would use it instead.
No mechanism for handling an unpaid share or a roommate who leaves the household mid cycle.

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