diff --git a/src/libs/actions/IOU.ts b/src/libs/actions/IOU.ts
index d4e49f9d1bc5..7fde47c73e58 100644
--- a/src/libs/actions/IOU.ts
+++ b/src/libs/actions/IOU.ts
@@ -217,6 +217,40 @@ type MoneyRequestInformationParams = {
     existingTransaction?: OnyxEntry<OnyxTypes.Transaction>;
 };
 
+type MoneyRequestOptimisticParams = {
+    chat: {
+        report: OnyxTypes.OnyxInputOrEntry<OnyxTypes.Report>;
+        createdAction: OptimisticCreatedReportAction;
+        reportPreviewAction: ReportAction;
+    };
+    iou: {
+        report: OnyxTypes.Report;
+        createdAction: OptimisticCreatedReportAction;
+        action: OptimisticIOUReportAction;
+    };
+    transactionParams: {
+        transaction: OnyxTypes.Transaction;
+        transactionThreadReport: OptimisticChatReport | null;
+        transactionThreadCreatedReportAction: OptimisticCreatedReportAction | null;
+    };
+    policyRecentlyUsed: {
+        categories?: string[];
+        tags?: OnyxTypes.RecentlyUsedTags;
+        currencies?: string[];
+    };
+    personalDetailListAction?: OnyxTypes.PersonalDetailsList;
+    nextStep?: OnyxTypes.ReportNextStep | null;
+};
+
+type BuildOnyxDataForMoneyRequestParams = {
+    isNewChatReport: boolean;
+    shouldCreateNewMoneyRequestReport: boolean;
+    isOneOnOneSplit?: boolean;
+    existingTransactionThreadReportID?: string;
+    policyParams?: RequestMoneyPolicyParams;
+    optimisticParams: MoneyRequestOptimisticParams;
+};
+
 let allPersonalDetails: OnyxTypes.PersonalDetailsList = {};
 Onyx.connect({
     key: ONYXKEYS.PERSONAL_DETAILS_LIST,
@@ -569,31 +603,20 @@ function getFieldViolationsOnyxData(iouReport: OnyxTypes.Report): SetRequired<On
 }
 
 /** Builds the Onyx data for an expense */
-function buildOnyxDataForMoneyRequest(
-    chatReport: OnyxTypes.OnyxInputOrEntry<OnyxTypes.Report>,
-    iouReport: OnyxTypes.Report,
-    transaction: OnyxTypes.Transaction,
-    chatCreatedAction: OptimisticCreatedReportAction,
-    iouCreatedAction: OptimisticCreatedReportAction,
-    iouAction: OptimisticIOUReportAction,
-    optimisticPersonalDetailListAction: OnyxTypes.PersonalDetailsList,
-    reportPreviewAction: ReportAction,
-    optimisticPolicyRecentlyUsedCategories: string[],
-    optimisticPolicyRecentlyUsedTags: OnyxTypes.RecentlyUsedTags,
-    isNewChatReport: boolean,
-    transactionThreadReport: OptimisticChatReport | null,
-    transactionThreadCreatedReportAction: OptimisticCreatedReportAction | null,
-    shouldCreateNewMoneyRequestReport: boolean,
-    policy?: OnyxTypes.OnyxInputOrEntry<OnyxTypes.Policy>,
-    policyTagList?: OnyxTypes.OnyxInputOrEntry<OnyxTypes.PolicyTagLists>,
-    policyCategories?: OnyxTypes.OnyxInputOrEntry<OnyxTypes.PolicyCategories>,
-    optimisticNextStep?: OnyxTypes.ReportNextStep | null,
-    isOneOnOneSplit = false,
-    existingTransactionThreadReportID?: string,
-    optimisticRecentlyUsedCurrencies?: string[],
-): [OnyxUpdate[], OnyxUpdate[], OnyxUpdate[]] {
+function buildOnyxDataForMoneyRequest(moneyRequestParams: BuildOnyxDataForMoneyRequestParams): [OnyxUpdate[], OnyxUpdate[], OnyxUpdate[]] {
+    const {isNewChatReport, shouldCreateNewMoneyRequestReport, isOneOnOneSplit = false, existingTransactionThreadReportID, policyParams = {}, optimisticParams} = moneyRequestParams;
+    const {policy, policyCategories, policyTagList} = policyParams;
+    const {
+        chat,
+        iou,
+        transactionParams: {transaction, transactionThreadReport, transactionThreadCreatedReportAction},
+        policyRecentlyUsed,
+        personalDetailListAction,
+        nextStep,
+    } = optimisticParams;
+
     const isScanRequest = TransactionUtils.isScanRequest(transaction);
-    const outstandingChildRequest = ReportUtils.getOutstandingChildRequest(iouReport);
+    const outstandingChildRequest = ReportUtils.getOutstandingChildRequest(iou.report);
     const clearedPendingFields = Object.fromEntries(Object.keys(transaction.pendingFields ?? {}).map((key) => [key, null]));
     const optimisticData: OnyxUpdate[] = [];
     const successData: OnyxUpdate[] = [];
@@ -603,16 +626,16 @@ function buildOnyxDataForMoneyRequest(
     }
     const existingTransactionThreadReport = ReportConnection.getAllReports()?.[`${ONYXKEYS.COLLECTION.REPORT}${existingTransactionThreadReportID}`] ?? null;
 
-    if (chatReport) {
+    if (chat.report) {
         optimisticData.push({
             // Use SET for new reports because it doesn't exist yet, is faster and we need the data to be available when we navigate to the chat page
             onyxMethod: isNewChatReport ? Onyx.METHOD.SET : Onyx.METHOD.MERGE,
-            key: `${ONYXKEYS.COLLECTION.REPORT}${chatReport.reportID}`,
+            key: `${ONYXKEYS.COLLECTION.REPORT}${chat.report.reportID}`,
             value: {
-                ...chatReport,
+                ...chat.report,
                 lastReadTime: DateUtils.getDBTime(),
                 lastMessageTranslationKey: '',
-                iouReportID: iouReport.reportID,
+                iouReportID: iou.report.reportID,
                 ...outstandingChildRequest,
                 ...(isNewChatReport ? {pendingFields: {createChat: CONST.RED_BRICK_ROAD_PENDING_ACTION.ADD}} : {}),
             },
@@ -622,12 +645,12 @@ function buildOnyxDataForMoneyRequest(
     optimisticData.push(
         {
             onyxMethod: shouldCreateNewMoneyRequestReport ? Onyx.METHOD.SET : Onyx.METHOD.MERGE,
-            key: `${ONYXKEYS.COLLECTION.REPORT}${iouReport.reportID}`,
+            key: `${ONYXKEYS.COLLECTION.REPORT}${iou.report.reportID}`,
             value: {
-                ...iouReport,
-                lastMessageText: ReportActionsUtils.getReportActionText(iouAction),
-                lastMessageHtml: ReportActionsUtils.getReportActionHtml(iouAction),
-                lastVisibleActionCreated: iouAction.created,
+                ...iou.report,
+                lastMessageText: ReportActionsUtils.getReportActionText(iou.action),
+                lastMessageHtml: ReportActionsUtils.getReportActionHtml(iou.action),
+                lastVisibleActionCreated: iou.action.created,
                 pendingFields: {
                     ...(shouldCreateNewMoneyRequestReport ? {createChat: CONST.RED_BRICK_ROAD_PENDING_ACTION.ADD} : {preview: CONST.RED_BRICK_ROAD_PENDING_ACTION.UPDATE}),
                 },
@@ -641,33 +664,33 @@ function buildOnyxDataForMoneyRequest(
         isNewChatReport
             ? {
                   onyxMethod: Onyx.METHOD.SET,
-                  key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${chatReport?.reportID}`,
+                  key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${chat.report?.reportID}`,
                   value: {
-                      [chatCreatedAction.reportActionID]: chatCreatedAction,
-                      [reportPreviewAction.reportActionID]: reportPreviewAction,
+                      [chat.createdAction.reportActionID]: chat.createdAction,
+                      [chat.reportPreviewAction.reportActionID]: chat.reportPreviewAction,
                   },
               }
             : {
                   onyxMethod: Onyx.METHOD.MERGE,
-                  key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${chatReport?.reportID}`,
+                  key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${chat.report?.reportID}`,
                   value: {
-                      [reportPreviewAction.reportActionID]: reportPreviewAction,
+                      [chat.reportPreviewAction.reportActionID]: chat.reportPreviewAction,
                   },
               },
         shouldCreateNewMoneyRequestReport
             ? {
                   onyxMethod: Onyx.METHOD.SET,
-                  key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${iouReport.reportID}`,
+                  key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${iou.report.reportID}`,
                   value: {
-                      [iouCreatedAction.reportActionID]: iouCreatedAction as OnyxTypes.ReportAction,
-                      [iouAction.reportActionID]: iouAction as OnyxTypes.ReportAction,
+                      [iou.createdAction.reportActionID]: iou.createdAction as OnyxTypes.ReportAction,
+                      [iou.action.reportActionID]: iou.action as OnyxTypes.ReportAction,
                   },
               }
             : {
                   onyxMethod: Onyx.METHOD.MERGE,
-                  key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${iouReport.reportID}`,
+                  key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${iou.report.reportID}`,
                   value: {
-                      [iouAction.reportActionID]: iouAction as OnyxTypes.ReportAction,
+                      [iou.action.reportActionID]: iou.action as OnyxTypes.ReportAction,
                   },
               },
         {
@@ -690,36 +713,36 @@ function buildOnyxDataForMoneyRequest(
         });
     }
 
-    if (optimisticPolicyRecentlyUsedCategories.length) {
+    if (policyRecentlyUsed.categories?.length) {
         optimisticData.push({
             onyxMethod: Onyx.METHOD.SET,
-            key: `${ONYXKEYS.COLLECTION.POLICY_RECENTLY_USED_CATEGORIES}${iouReport.policyID}`,
-            value: optimisticPolicyRecentlyUsedCategories,
+            key: `${ONYXKEYS.COLLECTION.POLICY_RECENTLY_USED_CATEGORIES}${iou.report.policyID}`,
+            value: policyRecentlyUsed.categories,
         });
     }
 
-    if (optimisticRecentlyUsedCurrencies?.length) {
+    if (policyRecentlyUsed.currencies?.length) {
         optimisticData.push({
             onyxMethod: Onyx.METHOD.SET,
             key: ONYXKEYS.RECENTLY_USED_CURRENCIES,
-            value: optimisticRecentlyUsedCurrencies,
+            value: policyRecentlyUsed.currencies,
         });
     }
 
-    if (!isEmptyObject(optimisticPolicyRecentlyUsedTags)) {
+    if (!isEmptyObject(policyRecentlyUsed.tags)) {
         optimisticData.push({
             onyxMethod: Onyx.METHOD.MERGE,
-            key: `${ONYXKEYS.COLLECTION.POLICY_RECENTLY_USED_TAGS}${iouReport.policyID}`,
-            value: optimisticPolicyRecentlyUsedTags,
+            key: `${ONYXKEYS.COLLECTION.POLICY_RECENTLY_USED_TAGS}${iou.report.policyID}`,
+            value: policyRecentlyUsed.tags,
         });
     }
 
     const redundantParticipants: Record<number, null> = {};
-    if (!isEmptyObject(optimisticPersonalDetailListAction)) {
+    if (!isEmptyObject(personalDetailListAction)) {
         const successPersonalDetailListAction: Record<number, null> = {};
 
         // BE will send different participants. We clear the optimistic ones to avoid duplicated entries
-        Object.keys(optimisticPersonalDetailListAction).forEach((accountIDKey) => {
+        Object.keys(personalDetailListAction).forEach((accountIDKey) => {
             const accountID = Number(accountIDKey);
             successPersonalDetailListAction[accountID] = null;
             redundantParticipants[accountID] = null;
@@ -728,7 +751,7 @@ function buildOnyxDataForMoneyRequest(
         optimisticData.push({
             onyxMethod: Onyx.METHOD.MERGE,
             key: ONYXKEYS.PERSONAL_DETAILS_LIST,
-            value: optimisticPersonalDetailListAction,
+            value: personalDetailListAction,
         });
         successData.push({
             onyxMethod: Onyx.METHOD.MERGE,
@@ -737,11 +760,11 @@ function buildOnyxDataForMoneyRequest(
         });
     }
 
-    if (!isEmptyObject(optimisticNextStep)) {
+    if (!isEmptyObject(nextStep)) {
         optimisticData.push({
             onyxMethod: Onyx.METHOD.MERGE,
-            key: `${ONYXKEYS.COLLECTION.NEXT_STEP}${iouReport.reportID}`,
-            value: optimisticNextStep,
+            key: `${ONYXKEYS.COLLECTION.NEXT_STEP}${iou.report.reportID}`,
+            value: nextStep,
         });
     }
 
@@ -749,7 +772,7 @@ function buildOnyxDataForMoneyRequest(
         successData.push(
             {
                 onyxMethod: Onyx.METHOD.MERGE,
-                key: `${ONYXKEYS.COLLECTION.REPORT}${chatReport?.reportID}`,
+                key: `${ONYXKEYS.COLLECTION.REPORT}${chat.report?.reportID}`,
                 value: {
                     participants: redundantParticipants,
                     pendingFields: null,
@@ -758,7 +781,7 @@ function buildOnyxDataForMoneyRequest(
             },
             {
                 onyxMethod: Onyx.METHOD.MERGE,
-                key: `${ONYXKEYS.COLLECTION.REPORT_METADATA}${chatReport?.reportID}`,
+                key: `${ONYXKEYS.COLLECTION.REPORT_METADATA}${chat.report?.reportID}`,
                 value: {
                     isOptimisticReport: false,
                 },
@@ -769,7 +792,7 @@ function buildOnyxDataForMoneyRequest(
     successData.push(
         {
             onyxMethod: Onyx.METHOD.MERGE,
-            key: `${ONYXKEYS.COLLECTION.REPORT}${iouReport.reportID}`,
+            key: `${ONYXKEYS.COLLECTION.REPORT}${iou.report.reportID}`,
             value: {
                 participants: redundantParticipants,
                 pendingFields: null,
@@ -778,7 +801,7 @@ function buildOnyxDataForMoneyRequest(
         },
         {
             onyxMethod: Onyx.METHOD.MERGE,
-            key: `${ONYXKEYS.COLLECTION.REPORT_METADATA}${iouReport.reportID}`,
+            key: `${ONYXKEYS.COLLECTION.REPORT_METADATA}${iou.report.reportID}`,
             value: {
                 isOptimisticReport: false,
             },
@@ -814,34 +837,34 @@ function buildOnyxDataForMoneyRequest(
 
         {
             onyxMethod: Onyx.METHOD.MERGE,
-            key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${chatReport?.reportID}`,
+            key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${chat.report?.reportID}`,
             value: {
                 ...(isNewChatReport
                     ? {
-                          [chatCreatedAction.reportActionID]: {
+                          [chat.createdAction.reportActionID]: {
                               pendingAction: null,
                               errors: null,
                           },
                       }
                     : {}),
-                [reportPreviewAction.reportActionID]: {
+                [chat.reportPreviewAction.reportActionID]: {
                     pendingAction: null,
                 },
             },
         },
         {
             onyxMethod: Onyx.METHOD.MERGE,
-            key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${iouReport.reportID}`,
+            key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${iou.report.reportID}`,
             value: {
                 ...(shouldCreateNewMoneyRequestReport
                     ? {
-                          [iouCreatedAction.reportActionID]: {
+                          [iou.createdAction.reportActionID]: {
                               pendingAction: null,
                               errors: null,
                           },
                       }
                     : {}),
-                [iouAction.reportActionID]: {
+                [iou.action.reportActionID]: {
                     pendingAction: null,
                     errors: null,
                 },
@@ -867,12 +890,12 @@ function buildOnyxDataForMoneyRequest(
     const failureData: OnyxUpdate[] = [
         {
             onyxMethod: Onyx.METHOD.MERGE,
-            key: `${ONYXKEYS.COLLECTION.REPORT}${chatReport?.reportID}`,
+            key: `${ONYXKEYS.COLLECTION.REPORT}${chat.report?.reportID}`,
             value: {
-                iouReportID: chatReport?.iouReportID,
-                lastReadTime: chatReport?.lastReadTime,
+                iouReportID: chat.report?.iouReportID,
+                lastReadTime: chat.report?.lastReadTime,
                 pendingFields: null,
-                hasOutstandingChildRequest: chatReport?.hasOutstandingChildRequest,
+                hasOutstandingChildRequest: chat.report?.hasOutstandingChildRequest,
                 ...(isNewChatReport
                     ? {
                           errorFields: {
@@ -884,7 +907,7 @@ function buildOnyxDataForMoneyRequest(
         },
         {
             onyxMethod: Onyx.METHOD.MERGE,
-            key: `${ONYXKEYS.COLLECTION.REPORT}${iouReport.reportID}`,
+            key: `${ONYXKEYS.COLLECTION.REPORT}${iou.report.reportID}`,
             value: {
                 pendingFields: null,
                 errorFields: {
@@ -916,21 +939,21 @@ function buildOnyxDataForMoneyRequest(
         },
         {
             onyxMethod: Onyx.METHOD.MERGE,
-            key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${iouReport.reportID}`,
+            key: `${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${iou.report.reportID}`,
             value: {
                 ...(shouldCreateNewMoneyRequestReport
                     ? {
-                          [iouCreatedAction.reportActionID]: {
+                          [iou.createdAction.reportActionID]: {
                               // Disabling this line since transaction.filename can be an empty string
                               // eslint-disable-next-line @typescript-eslint/prefer-nullish-coalescing
                               errors: getReceiptError(transaction.receipt, transaction.filename || transaction.receipt?.filename, isScanRequest, errorKey),
                           },
-                          [iouAction.reportActionID]: {
+                          [iou.action.reportActionID]: {
                               errors: ErrorUtils.getMicroSecondOnyxErrorWithTranslationKey('iou.error.genericCreateFailureMessage'),
                           },
                       }
                     : {
-                          [iouAction.reportActionID]: {
+                          [iou.action.reportActionID]: {
                               // Disabling this line since transaction.filename can be an empty string
                               // eslint-disable-next-line @typescript-eslint/prefer-nullish-coalescing
                               errors: getReceiptError(transaction.receipt, transaction.filename || transaction.receipt?.filename, isScanRequest, errorKey),
@@ -946,7 +969,7 @@ function buildOnyxDataForMoneyRequest(
             key: ONYXKEYS.NVP_QUICK_ACTION_GLOBAL_CREATE,
             value: {
                 action: newQuickAction,
-                chatReportID: chatReport?.reportID,
+                chatReportID: chat.report?.reportID,
                 isFirstQuickAction: isEmptyObject(quickAction),
             },
         });
@@ -2215,7 +2238,7 @@ function getMoneyRequestInformation(moneyRequestInformation: MoneyRequestInforma
 
     const optimisticPolicyRecentlyUsedCategories = Category.buildOptimisticPolicyRecentlyUsedCategories(iouReport.policyID, category);
     const optimisticPolicyRecentlyUsedTags = Tag.buildOptimisticPolicyRecentlyUsedTags(iouReport.policyID, tag);
-    const optimisticPolicyRecentluUsedCurrencies = Policy.buildOptimisticRecentlyUsedCurrencies(currency);
+    const optimisticPolicyRecentlyUsedCurrencies = Policy.buildOptimisticRecentlyUsedCurrencies(currency);
 
     // If there is an existing transaction (which is the case for distance requests), then the data from the existing transaction
     // needs to be manually merged into the optimistic transaction. This is because buildOnyxDataForMoneyRequest() uses `Onyx.set()` for the transaction
@@ -2284,29 +2307,39 @@ function getMoneyRequestInformation(moneyRequestInformation: MoneyRequestInforma
     const optimisticNextStep = NextStepUtils.buildNextStep(iouReport, predictedNextStatus);
 
     // STEP 5: Build Onyx Data
-    const [optimisticData, successData, failureData] = buildOnyxDataForMoneyRequest(
-        chatReport,
-        iouReport,
-        optimisticTransaction,
-        optimisticCreatedActionForChat,
-        optimisticCreatedActionForIOUReport,
-        iouAction,
-        optimisticPersonalDetailListAction,
-        reportPreviewAction,
-        optimisticPolicyRecentlyUsedCategories,
-        optimisticPolicyRecentlyUsedTags,
+    const [optimisticData, successData, failureData] = buildOnyxDataForMoneyRequest({
         isNewChatReport,
-        optimisticTransactionThread ?? {},
-        optimisticCreatedActionForTransactionThread,
         shouldCreateNewMoneyRequestReport,
-        policy,
-        policyTagList,
-        policyCategories,
-        optimisticNextStep,
-        undefined,
-        undefined,
-        optimisticPolicyRecentluUsedCurrencies,
-    );
+        policyParams: {
+            policy,
+            policyCategories,
+            policyTagList,
+        },
+        optimisticParams: {
+            chat: {
+                report: chatReport,
+                createdAction: optimisticCreatedActionForChat,
+                reportPreviewAction,
+            },
+            iou: {
+                report: iouReport,
+                createdAction: optimisticCreatedActionForIOUReport,
+                action: iouAction,
+            },
+            transactionParams: {
+                transaction: optimisticTransaction,
+                transactionThreadReport: optimisticTransactionThread,
+                transactionThreadCreatedReportAction: optimisticCreatedActionForTransactionThread,
+            },
+            policyRecentlyUsed: {
+                categories: optimisticPolicyRecentlyUsedCategories,
+                tags: optimisticPolicyRecentlyUsedTags,
+                currencies: optimisticPolicyRecentlyUsedCurrencies,
+            },
+            personalDetailListAction: optimisticPersonalDetailListAction,
+            nextStep: optimisticNextStep,
+        },
+    });
 
     return {
         payerAccountID,
@@ -4446,29 +4479,34 @@ function createSplitsAndOnyxData(
         const optimisticPolicyRecentlyUsedTags = isPolicyExpenseChat ? Tag.buildOptimisticPolicyRecentlyUsedTags(participant.policyID, tag) : {};
 
         // STEP 5: Build Onyx Data
-        const [oneOnOneOptimisticData, oneOnOneSuccessData, oneOnOneFailureData] = buildOnyxDataForMoneyRequest(
-            oneOnOneChatReport,
-            oneOnOneIOUReport,
-            oneOnOneTransaction,
-            oneOnOneCreatedActionForChat,
-            oneOnOneCreatedActionForIOU,
-            oneOnOneIOUAction,
-            oneOnOnePersonalDetailListAction,
-            oneOnOneReportPreviewAction,
-            optimisticPolicyRecentlyUsedCategories,
-            optimisticPolicyRecentlyUsedTags,
-            isNewOneOnOneChatReport,
-            optimisticTransactionThread,
-            optimisticCreatedActionForTransactionThread,
-            shouldCreateNewOneOnOneIOUReport,
-            null,
-            null,
-            null,
-            null,
-            true,
-            undefined,
-            optimisticRecentlyUsedCurrencies,
-        );
+        const [oneOnOneOptimisticData, oneOnOneSuccessData, oneOnOneFailureData] = buildOnyxDataForMoneyRequest({
+            isNewChatReport: isNewOneOnOneChatReport,
+            shouldCreateNewMoneyRequestReport: shouldCreateNewOneOnOneIOUReport,
+            isOneOnOneSplit: true,
+            optimisticParams: {
+                chat: {
+                    report: oneOnOneChatReport,
+                    createdAction: oneOnOneCreatedActionForChat,
+                    reportPreviewAction: oneOnOneReportPreviewAction,
+                },
+                iou: {
+                    report: oneOnOneIOUReport,
+                    createdAction: oneOnOneCreatedActionForIOU,
+                    action: oneOnOneIOUAction,
+                },
+                transactionParams: {
+                    transaction: oneOnOneTransaction,
+                    transactionThreadReport: optimisticTransactionThread,
+                    transactionThreadCreatedReportAction: optimisticCreatedActionForTransactionThread,
+                },
+                policyRecentlyUsed: {
+                    categories: optimisticPolicyRecentlyUsedCategories,
+                    tags: optimisticPolicyRecentlyUsedTags,
+                    currencies: optimisticRecentlyUsedCurrencies,
+                },
+                personalDetailListAction: oneOnOnePersonalDetailListAction,
+            },
+        });
 
         const individualSplit = {
             email,
@@ -5174,27 +5212,29 @@ function completeSplitBill(chatReportID: string, reportAction: OnyxTypes.ReportA
             oneOnOneReportPreviewAction = ReportUtils.buildOptimisticReportPreview(oneOnOneChatReport, oneOnOneIOUReport, '', oneOnOneTransaction);
         }
 
-        const [oneOnOneOptimisticData, oneOnOneSuccessData, oneOnOneFailureData] = buildOnyxDataForMoneyRequest(
-            oneOnOneChatReport,
-            oneOnOneIOUReport,
-            oneOnOneTransaction,
-            oneOnOneCreatedActionForChat,
-            oneOnOneCreatedActionForIOU,
-            oneOnOneIOUAction,
-            {},
-            oneOnOneReportPreviewAction,
-            [],
-            {},
-            isNewOneOnOneChatReport,
-            optimisticTransactionThread,
-            optimisticCreatedActionForTransactionThread,
-            shouldCreateNewOneOnOneIOUReport,
-            null,
-            null,
-            null,
-            null,
-            true,
-        );
+        const [oneOnOneOptimisticData, oneOnOneSuccessData, oneOnOneFailureData] = buildOnyxDataForMoneyRequest({
+            isNewChatReport: isNewOneOnOneChatReport,
+            isOneOnOneSplit: true,
+            shouldCreateNewMoneyRequestReport: shouldCreateNewOneOnOneIOUReport,
+            optimisticParams: {
+                chat: {
+                    report: oneOnOneChatReport,
+                    createdAction: oneOnOneCreatedActionForChat,
+                    reportPreviewAction: oneOnOneReportPreviewAction,
+                },
+                iou: {
+                    report: oneOnOneIOUReport,
+                    createdAction: oneOnOneCreatedActionForIOU,
+                    action: oneOnOneIOUAction,
+                },
+                transactionParams: {
+                    transaction: oneOnOneTransaction,
+                    transactionThreadReport: optimisticTransactionThread,
+                    transactionThreadCreatedReportAction: optimisticCreatedActionForTransactionThread,
+                },
+                policyRecentlyUsed: {},
+            },
+        });
 
         splits.push({
             email: participant.email,