On paper, the modded APK unlocks everything behind the $4.99/month or $29.99/year paywall. After installing from a third-party source (red flag #1), I tested the following:
Since Mods break receipt scanning anyway, use a free alternative: Splitwise Pro Apk Mod
The search for a is a classic case of "penny wise, pound foolish." Yes, $30 per year feels annoying for features like removing ads and scanning receipts. However, the financial and privacy risks of a modded APK far outweigh the savings. On paper, the modded APK unlocks everything behind the $4