Problem:
When User split the transaction via email account, persons receive an url to Revolut.
And in order to settle he must create an account.
Solution::
would be to give user the option to create an account or to pay using online transaction system.
Stretch
the payer can choose currency to match his card. This will give him ability to value the Revolu as real time currency exchange and potentially convince him to create account.
This impact the conversion rate of people that creates accounts with current solution, The goal is to increase it. Giving potential customers best UX even if they are not customers.