The present disclosure relates to a method, terminal and system for splitting, verifying and managing a digital currency in a transaction, mainly relating to the technical field of computers. A specific implementation of the method includes: determining a first transaction request indicating a digital currency and first transaction information; generating second transaction information including a second transaction amount according to the first transaction information; respectively signing the first transaction information and the second transaction information by using a private key of a first terminal; generating a first trust chain according to the signed first transaction information and the digital currency, and generating a second trust chain according to the signed second transaction information and the digital currency; and sending the first trust chain to a second terminal, so that the second terminal and the first terminal achieve, according to the first trust chain, an offline transaction corresponding to the first transaction amount included in the first transaction information. The implementation improves the security of the offline transaction while facilitating the use of the digital currency in performing the offline transaction.