diff --git a/payments.csv b/payments.csv
new file mode 100644
index 000000000..035fbc6d3
--- /dev/null
+++ b/payments.csv
@@ -0,0 +1,4 @@
+to,amount
+0.0.100,1.5
+0.0.4530,2
+0.0.95215,500t
diff --git a/src/core/plugins/plugin-manager.ts b/src/core/plugins/plugin-manager.ts
index ed0d8c31c..f38419799 100644
--- a/src/core/plugins/plugin-manager.ts
+++ b/src/core/plugins/plugin-manager.ts
@@ -72,30 +72,35 @@ export class PluginManager {
    */
   initializePluginState(defaultState: PluginManifest[]): PluginStateEntry[] {
     const existingEntries = this.pluginManagement.listPlugins();
+    const existingNames = new Set(existingEntries.map((e) => e.name));
 
     if (existingEntries.length === 0) {
       this.logger.info(
         '[PLUGIN-MANAGEMENT] Initializing default plugin state (first run)...',
       );
+    }
 
-      const initialState: PluginStateEntry[] = defaultState.map((manifest) => {
-        const pluginName = manifest.name;
-
-        return {
-          name: pluginName,
+    // Add any default plugins not yet in state (e.g. newly added plugins)
+    const newEntries: PluginStateEntry[] = [];
+    for (const manifest of defaultState) {
+      if (!existingNames.has(manifest.name)) {
+        const entry: PluginStateEntry = {
+          name: manifest.name,
           enabled: true,
           description: manifest.description,
         };
-      });
-
-      for (const plugin of initialState) {
-        this.pluginManagement.savePluginState(plugin);
+        this.pluginManagement.savePluginState(entry);
+        newEntries.push(entry);
+        existingNames.add(manifest.name);
       }
-
-      return initialState;
+    }
+    if (newEntries.length > 0) {
+      this.logger.info(
+        `[PLUGIN-MANAGEMENT] Registered ${newEntries.length} new default plugin(s): ${newEntries.map((e) => e.name).join(', ')}`,
+      );
     }
 
-    return existingEntries;
+    return existingEntries.concat(newEntries);
   }
 
   /**
diff --git a/src/core/shared/config/cli-options.ts b/src/core/shared/config/cli-options.ts
index 37ec87fa3..126c32061 100644
--- a/src/core/shared/config/cli-options.ts
+++ b/src/core/shared/config/cli-options.ts
@@ -9,6 +9,7 @@ import credentialsPluginManifest from '@/plugins/credentials/manifest';
 import hbarPluginManifest from '@/plugins/hbar/manifest';
 import networkPluginManifest from '@/plugins/network/manifest';
 import pluginManagementManifest from '@/plugins/plugin-management/manifest';
+import splitPaymentsPluginManifest from '@/plugins/split-payments/manifest';
 import tokenPluginManifest from '@/plugins/token/manifest';
 import topicPluginManifest from '@/plugins/topic/manifest';
 
@@ -44,6 +45,7 @@ export const DEFAULT_PLUGIN_STATE: PluginManifest[] = [
   credentialsPluginManifest,
   topicPluginManifest,
   hbarPluginManifest,
+  splitPaymentsPluginManifest,
   contractPluginManifest,
   configPluginManifest,
   contractErc20PluginManifest,
diff --git a/src/plugins/split-payments/README.md b/src/plugins/split-payments/README.md
new file mode 100644
index 000000000..c7e903239
--- /dev/null
+++ b/src/plugins/split-payments/README.md
@@ -0,0 +1,94 @@
+# Split Payments Plugin
+
+Batch HBAR transfers from a single CSV file so you don’t have to run `hbar transfer` many times.
+
+## What it does
+
+- Reads a CSV with **recipient** and **amount** (one transfer per row).
+- Uses your configured **operator** (or `--from`) as the payer for all transfers.
+- Runs each transfer one after another and reports success/failure per row.
+- Optional **dry run** to validate the file and list planned transfers without sending.
+
+## Command
+
+```bash
+hcli split-payments transfer --file <path-to-csv>
+```
+
+### Options
+
+| Option          | Short | Required | Description                                                |
+| --------------- | ----- | -------- | ---------------------------------------------------------- |
+| `--file`        | `-f`  | Yes      | Path to CSV file (see format below).                       |
+| `--from`        | `-F`  | No       | Payer: alias or `accountId:privateKey`. Default: operator. |
+| `--key-manager` | `-k`  | No       | `local` or `local_encrypted`. Default: config.             |
+| `--dry-run`     | —     | No       | Validate and list planned transfers only; no transactions. |
+
+### CSV format
+
+- **Columns:** `to`, `amount` (order matters).
+- **Separator:** comma (`,`) or semicolon (`;`).
+- **Header (optional):** first line can be `to,amount` or `address,amount`; it’s skipped.
+- **Amount:** HBAR (e.g. `10`, `1.5`) or **tinybars** with a trailing `t` (e.g. `100t` = 100 tinybars; `500t` = 500 tinybars). Without `t`, the value is in HBAR (1 HBAR = 100,000,000 tinybars).
+- **To:** Hedera account ID (`0.0.123`), EVM address, or CLI account alias.
+
+**Where to put the file:** You can put the CSV anywhere. Pass the path with `--file` (absolute or relative to your current working directory). Examples:
+
+- Project root: `hcli split-payments transfer --file payments.csv` (from repo root)
+- Full path: `hcli split-payments transfer --file C:\Users\you\payments.csv`
+- Subfolder: `hcli split-payments transfer --file data/payments.csv`
+
+Example `payments.csv`:
+
+```csv
+to,amount
+0.0.100,1.5
+0.0.101,2
+alice,10
+0.0.102,500t
+```
+
+## When to run what
+
+1. **First-time / check setup**
+   - Set network: `hcli network use -g testnet`
+   - Set operator: `hcli network set-operator -o <your-account>`
+   - Optional: `hcli config set -o default_key_manager -v local_encrypted`
+
+2. **Validate CSV without sending**
+
+   ```bash
+   hcli split-payments transfer --file payments.csv --dry-run
+   ```
+
+3. **Run batch transfer**
+
+   ```bash
+   hcli split-payments transfer --file payments.csv
+   ```
+
+4. **Use another payer or network**
+   ```bash
+   hcli split-payments transfer --file payments.csv --from my-other-account
+   hcli split-payments transfer --file payments.csv --network mainnet
+   ```
+
+## Output
+
+- **Human (default):** Summary (total / success / failed) and per-row result with HashScan links for successful transfers.
+- **JSON:** `--format json` for scriptable output with the same data.
+
+## Requirements
+
+- Operator (or `--from`) must have enough HBAR for all transfers and fees.
+- Each transfer is a separate Hedera transaction (one per row).
+- Failed rows are reported; successful rows are still committed.
+
+## Troubleshooting
+
+- **"unknown command 'split-payments'"**  
+  Run the CLI from the **built** project, not a globally installed package:
+  ```bash
+  node dist/hiero-cli.js split-payments transfer --file payments.csv
+  ```
+  From the repo root after `npm run build`. If you had run the CLI before this plugin was added, the fix in the core plugin manager now merges new default plugins into existing state, so a fresh run should register `split-payments` automatically.
diff --git a/src/plugins/split-payments/commands/transfer/handler.ts b/src/plugins/split-payments/commands/transfer/handler.ts
new file mode 100644
index 000000000..7727cf186
--- /dev/null
+++ b/src/plugins/split-payments/commands/transfer/handler.ts
@@ -0,0 +1,266 @@
+/**
+ * Split Payments Transfer Command Handler
+ * Reads a CSV of (to, amount) and executes multiple HBAR transfers in one command.
+ */
+/// <reference types="node" />
+import type { CommandExecutionResult, CommandHandlerArgs } from '@/core';
+import type { KeyManagerName } from '@/core/services/kms/kms-types.interface';
+import type { SplitPaymentsTransferOutput, TransferItemResult } from './output';
+
+import * as fs from 'fs';
+import * as path from 'path';
+
+import { EntityIdSchema } from '@/core/schemas';
+import { HBAR_DECIMALS, Status } from '@/core/shared/constants';
+import { formatError } from '@/core/utils/errors';
+import { processBalanceInput } from '@/core/utils/process-balance-input';
+
+import { SplitPaymentsTransferInputSchema } from './input';
+
+/** Parse a single line of CSV (handles quoted values) */
+function parseCsvLine(line: string): string[] {
+  const result: string[] = [];
+  let current = '';
+  let inQuotes = false;
+  for (let i = 0; i < line.length; i++) {
+    const c = line[i];
+    if (c === '"') {
+      inQuotes = !inQuotes;
+    } else if (inQuotes) {
+      current += c;
+    } else if (c === ',' || c === ';') {
+      result.push(current.trim());
+      current = '';
+    } else {
+      current += c;
+    }
+  }
+  result.push(current.trim());
+  return result;
+}
+
+/** Check if first line looks like a header */
+function isHeader(row: string[]): boolean {
+  if (row.length < 2) return false;
+  const first = row[0].toLowerCase();
+  const second = row[1].toLowerCase();
+  return (
+    (first === 'to' || first === 'address' || first === 'account') &&
+    (second === 'amount' || second === 'amount_hbar' || second === 'value')
+  );
+}
+
+/**
+ * Parse CSV file into { to, amount } rows.
+ * Expected columns: to (address or alias), amount (HBAR or e.g. 100t for tinybars).
+ */
+function parseCsvFile(filePath: string): Array<{ to: string; amount: string }> {
+  const resolved = path.resolve(filePath);
+  if (!fs.existsSync(resolved)) {
+    throw new Error(`File not found: ${resolved}`);
+  }
+  const content = fs.readFileSync(resolved, 'utf-8');
+  const lines = content
+    .split(/\r?\n/)
+    .map((l: string) => l.trim())
+    .filter((l: string) => l.length > 0);
+
+  if (lines.length === 0) {
+    throw new Error('CSV file is empty');
+  }
+
+  const rows = lines.map(parseCsvLine);
+  const startIndex = rows.length > 0 && isHeader(rows[0]) ? 1 : 0;
+  const result: Array<{ to: string; amount: string }> = [];
+
+  for (let i = startIndex; i < rows.length; i++) {
+    const row = rows[i];
+    if (row.length < 2) {
+      throw new Error(
+        `Row ${i + 1}: expected "to,amount" (got ${row.length} columns)`,
+      );
+    }
+    const to = row[0].replace(/^["']|["']$/g, '').trim();
+    const amount = row[1].replace(/^["']|["']$/g, '').trim();
+    if (!to || !amount) {
+      throw new Error(`Row ${i + 1}: empty to or amount`);
+    }
+    result.push({ to, amount });
+  }
+
+  return result;
+}
+
+export async function splitPaymentsTransferHandler(
+  args: CommandHandlerArgs,
+): Promise<CommandExecutionResult> {
+  const { api, logger } = args;
+
+  const validArgs = SplitPaymentsTransferInputSchema.parse(args.args);
+  const keyManager: KeyManagerName =
+    validArgs.keyManager ??
+    api.config.getOption<KeyManagerName>('default_key_manager');
+
+  let rows: Array<{ to: string; amount: string }>;
+  try {
+    rows = parseCsvFile(validArgs.file);
+  } catch (err) {
+    return {
+      status: Status.Failure,
+      errorMessage: formatError('Invalid CSV file', err),
+    };
+  }
+
+  if (rows.length === 0) {
+    return {
+      status: Status.Failure,
+      errorMessage: 'CSV file has no data rows (only header or empty).',
+    };
+  }
+
+  const from = await api.keyResolver.getOrInitKeyWithFallback(
+    validArgs.from,
+    keyManager,
+    ['split-payments:transfer'],
+  );
+
+  const currentNetwork = api.network.getCurrentNetwork();
+  const transfers: TransferItemResult[] = [];
+  let successCount = 0;
+  let failureCount = 0;
+
+  const resolveToAccountId = (to: string): string => {
+    const alias = api.alias.resolve(to, 'account', currentNetwork);
+    if (alias?.entityId) return alias.entityId;
+    const parsed = EntityIdSchema.safeParse(to);
+    if (parsed.success) return parsed.data;
+    throw new Error(`Invalid account: ${to} is not a valid ID or alias`);
+  };
+
+  if (validArgs.dryRun) {
+    for (const { to, amount } of rows) {
+      try {
+        const amountTinybar = processBalanceInput(amount, HBAR_DECIMALS);
+        if (amountTinybar <= 0n) throw new Error('Amount must be positive');
+        const toAccountId = resolveToAccountId(to);
+        if (from.accountId === toAccountId)
+          throw new Error('Cannot transfer to self');
+        transfers.push({
+          toAccountId,
+          amountTinybar,
+          status: 'success',
+        });
+        successCount++;
+      } catch (e) {
+        transfers.push({
+          toAccountId: to as string,
+          amountTinybar: 0n,
+          status: 'failure',
+          errorMessage: e instanceof Error ? e.message : String(e),
+        });
+        failureCount++;
+      }
+    }
+    const outputData: SplitPaymentsTransferOutput = {
+      network: currentNetwork,
+      fromAccountId: from.accountId,
+      totalTransfers: rows.length,
+      successCount,
+      failureCount,
+      dryRun: true,
+      transfers,
+    };
+    return {
+      status: Status.Success,
+      outputJson: JSON.stringify(outputData),
+    };
+  }
+
+  for (const { to, amount } of rows) {
+    let toAccountId: string;
+    let amountTinybar: bigint;
+    try {
+      amountTinybar = processBalanceInput(amount, HBAR_DECIMALS);
+      if (amountTinybar <= 0n) throw new Error('Amount must be positive');
+      toAccountId = resolveToAccountId(to);
+      if (from.accountId === toAccountId) {
+        transfers.push({
+          toAccountId,
+          amountTinybar,
+          status: 'failure',
+          errorMessage: 'Cannot transfer to the same account',
+        });
+        failureCount++;
+        continue;
+      }
+    } catch (e) {
+      transfers.push({
+        toAccountId: to as string,
+        amountTinybar: 0n,
+        status: 'failure',
+        errorMessage: e instanceof Error ? e.message : String(e),
+      });
+      failureCount++;
+      continue;
+    }
+
+    try {
+      const transferResult = await api.hbar.transferTinybar({
+        amount: amountTinybar,
+        from: from.accountId,
+        to: toAccountId,
+      });
+      const result = await api.txExecution.signAndExecuteWith(
+        transferResult.transaction,
+        [from.keyRefId],
+      );
+
+      if (result.success && result.transactionId) {
+        transfers.push({
+          toAccountId,
+          amountTinybar,
+          transactionId: result.transactionId,
+          status: 'success',
+        });
+        successCount++;
+        logger.info(
+          `[split-payments] Transferred to ${toAccountId}: ${amountTinybar} tinybars (${result.transactionId})`,
+        );
+      } else {
+        transfers.push({
+          toAccountId,
+          amountTinybar,
+          status: 'failure',
+          errorMessage: result.receipt?.status?.status?.toString() ?? 'UNKNOWN',
+        });
+        failureCount++;
+      }
+    } catch (error) {
+      const msg = error instanceof Error ? error.message : String(error);
+      transfers.push({
+        toAccountId,
+        amountTinybar,
+        status: 'failure',
+        errorMessage: msg,
+      });
+      failureCount++;
+      logger.warn(
+        `[split-payments] Failed to transfer to ${toAccountId}: ${msg}`,
+      );
+    }
+  }
+
+  const outputData: SplitPaymentsTransferOutput = {
+    network: currentNetwork,
+    fromAccountId: from.accountId,
+    totalTransfers: rows.length,
+    successCount,
+    failureCount,
+    transfers,
+  };
+
+  return {
+    status: Status.Success,
+    outputJson: JSON.stringify(outputData),
+  };
+}
diff --git a/src/plugins/split-payments/commands/transfer/index.ts b/src/plugins/split-payments/commands/transfer/index.ts
new file mode 100644
index 000000000..671340dfd
--- /dev/null
+++ b/src/plugins/split-payments/commands/transfer/index.ts
@@ -0,0 +1,6 @@
+export { splitPaymentsTransferHandler } from './handler';
+export type { SplitPaymentsTransferOutput, TransferItemResult } from './output';
+export {
+  SplitPaymentsTransferOutputSchema,
+  SPLIT_PAYMENTS_TRANSFER_TEMPLATE,
+} from './output';
diff --git a/src/plugins/split-payments/commands/transfer/input.ts b/src/plugins/split-payments/commands/transfer/input.ts
new file mode 100644
index 000000000..0594e2964
--- /dev/null
+++ b/src/plugins/split-payments/commands/transfer/input.ts
@@ -0,0 +1,31 @@
+import { z } from 'zod';
+
+import { KeyManagerTypeSchema, KeyOrAccountAliasSchema } from '@/core/schemas';
+
+/**
+ * Input schema for split-payments transfer command.
+ * Validates: file path (CSV), optional payer (from), key-manager, dry-run.
+ */
+export const SplitPaymentsTransferInputSchema = z.object({
+  file: z
+    .string()
+    .min(1, 'CSV file path is required')
+    .describe(
+      'Path to CSV file with columns: to (address or alias), amount (HBAR or amount with t for tinybars)',
+    ),
+  from: KeyOrAccountAliasSchema.optional().describe(
+    'Payer account: alias or accountId:privateKey. Defaults to operator.',
+  ),
+  keyManager: KeyManagerTypeSchema.optional().describe(
+    'Key manager: local or local_encrypted (defaults to config)',
+  ),
+  dryRun: z
+    .boolean()
+    .optional()
+    .default(false)
+    .describe('If true, only validate and list planned transfers; do not send'),
+});
+
+export type SplitPaymentsTransferInput = z.infer<
+  typeof SplitPaymentsTransferInputSchema
+>;
diff --git a/src/plugins/split-payments/commands/transfer/output.ts b/src/plugins/split-payments/commands/transfer/output.ts
new file mode 100644
index 000000000..33805e322
--- /dev/null
+++ b/src/plugins/split-payments/commands/transfer/output.ts
@@ -0,0 +1,68 @@
+import { z } from 'zod';
+
+import {
+  EntityIdSchema,
+  NetworkSchema,
+  TinybarSchema,
+  TransactionIdSchema,
+} from '@/core/schemas/common-schemas';
+
+/** Single transfer result (success or failure) */
+export const TransferItemResultSchema = z.object({
+  toAccountId: z
+    .string()
+    .describe('Recipient account ID or raw input if invalid'),
+  amountTinybar: TinybarSchema,
+  transactionId: TransactionIdSchema.optional(),
+  status: z.enum(['success', 'failure']),
+  errorMessage: z.string().optional(),
+});
+
+export type TransferItemResult = z.infer<typeof TransferItemResultSchema>;
+
+/** Full batch output */
+export const SplitPaymentsTransferOutputSchema = z.object({
+  network: NetworkSchema,
+  fromAccountId: EntityIdSchema,
+  totalTransfers: z.number(),
+  successCount: z.number(),
+  failureCount: z.number(),
+  dryRun: z.boolean().optional(),
+  transfers: z.array(TransferItemResultSchema),
+});
+
+export type SplitPaymentsTransferOutput = z.infer<
+  typeof SplitPaymentsTransferOutputSchema
+>;
+
+export const SPLIT_PAYMENTS_TRANSFER_TEMPLATE = `
+{{#if dryRun}}
+✅ Dry run — no transfers sent
+
+Network: {{network}}
+From: {{hashscanLink fromAccountId "account" network}}
+Total: {{totalTransfers}} | Valid: {{successCount}} | Invalid: {{failureCount}}
+
+{{#each transfers}}
+{{#if_eq status "success"}}
+  ✓ Would send {{amountTinybar}} tinybars → {{toAccountId}}
+{{else}}
+  ✗ {{toAccountId}} — {{amountTinybar}} tinybars — {{errorMessage}}
+{{/if_eq}}
+{{/each}}
+{{else}}
+✅ Split payments completed
+
+Network: {{network}}
+From: {{hashscanLink fromAccountId "account" network}}
+Total: {{totalTransfers}} | Success: {{successCount}} | Failed: {{failureCount}}
+
+{{#each transfers}}
+{{#if_eq status "success"}}
+  ✓ {{toAccountId}} — {{amountTinybar}} tinybars — {{#if transactionId}}{{hashscanLink transactionId "transaction" ../network}}{{else}}-{{/if}}
+{{else}}
+  ✗ {{toAccountId}} — {{amountTinybar}} tinybars — {{errorMessage}}
+{{/if_eq}}
+{{/each}}
+{{/if}}
+`.trim();
diff --git a/src/plugins/split-payments/index.ts b/src/plugins/split-payments/index.ts
new file mode 100644
index 000000000..e0c1a011e
--- /dev/null
+++ b/src/plugins/split-payments/index.ts
@@ -0,0 +1,5 @@
+export {
+  splitPaymentsPluginManifest,
+  splitPaymentsPluginManifest as default,
+} from './manifest';
+export { splitPaymentsTransferHandler } from './commands/transfer';
diff --git a/src/plugins/split-payments/manifest.ts b/src/plugins/split-payments/manifest.ts
new file mode 100644
index 000000000..afa3dc26b
--- /dev/null
+++ b/src/plugins/split-payments/manifest.ts
@@ -0,0 +1,69 @@
+/**
+ * Split Payments Plugin Manifest
+ * Batch HBAR transfers from a CSV file in a single command.
+ */
+import type { PluginManifest } from '@/core';
+import { OptionType } from '@/core/types/shared.types';
+
+import {
+  splitPaymentsTransferHandler,
+  SplitPaymentsTransferOutputSchema,
+  SPLIT_PAYMENTS_TRANSFER_TEMPLATE,
+} from './commands/transfer';
+
+export const splitPaymentsPluginManifest: PluginManifest = {
+  name: 'split-payments',
+  version: '1.0.0',
+  displayName: 'Split Payments',
+  description:
+    'Batch HBAR transfers from a CSV file (address, amount) in a single command',
+  commands: [
+    {
+      name: 'transfer',
+      summary: 'Batch transfer HBAR from a CSV file',
+      description:
+        'Read a CSV file with columns (to, amount) and execute one HBAR transfer per row. Use --dry-run to validate without sending.',
+      options: [
+        {
+          name: 'file',
+          short: 'f',
+          type: OptionType.STRING,
+          required: true,
+          description:
+            'Path to CSV file. Columns: to (address or alias), amount (e.g. 10 or 100t for tinybars). Optional header: to,amount',
+        },
+        {
+          name: 'from',
+          short: 'F',
+          type: OptionType.STRING,
+          required: false,
+          description:
+            'Payer: account alias or accountId:privateKey. Defaults to operator.',
+        },
+        {
+          name: 'key-manager',
+          short: 'k',
+          type: OptionType.STRING,
+          required: false,
+          description:
+            'Key manager: local or local_encrypted (defaults to config)',
+        },
+        {
+          name: 'dry-run',
+          type: OptionType.BOOLEAN,
+          required: false,
+          default: false,
+          description:
+            'Validate CSV and list planned transfers without sending',
+        },
+      ],
+      handler: splitPaymentsTransferHandler,
+      output: {
+        schema: SplitPaymentsTransferOutputSchema,
+        humanTemplate: SPLIT_PAYMENTS_TRANSFER_TEMPLATE,
+      },
+    },
+  ],
+};
+
+export default splitPaymentsPluginManifest;