// remi│ton · family wallet · the ledger that breathes ┌────────────────────────────────────────────────────────────────────────────┐ │ ┬─┐ ┌─┐ ┌┬┐ ┬ ┌┬┐ ┌─┐ ┌┐┌ shared wallet · standing orders · joint goa│ │ ├┬┘ ├┤ │││ │ │ │ │ │││ │ │ ┴└─ └─┘ ┴ ┴ ┴ ┴ └─┘ ┘└┘ four features per deck §04 Home column · su│ └────────────────────────────────────────────────────────────────────────────┘
// FAMILY WALLET · the ledger that breathes

a ledger your family can read.

The send is one tap. The interesting bit is what wraps it: a shared family wallet, pre-approved standing orders for the medicines and the tuition, joint goals with ladder contributions toward the wedding or the deposit, and an AI family coach that reads the ledger out loud. Four features. Household-priced. The social fabric is the product.

// SURFACES · the four the deck commits to

Four surfaces. Household-priced.

WALLET · shared family

One wallet. Every adult in the family.

┌──────────────┐  ┌──────────────┐
│  son · SF    │  │  ma · Indore │
│  budget: 1.2k│──│  spend: 870  │
└──────────────┘  └──────────────┘
       ▼   shared ledger   ▼

ma's pharmacy line, the brother's mess fee, the standing chai-budget — all one ledger. Roll-ups by category, by person, by month. The family treasurer (it's always one of you) stops chasing receipts on WhatsApp. Sub-cards live inside this wallet as one of the controls.

STANDING · pre-approved

The standing order that never misses.

   ┌─────────┐
   │ 02 of M │  nani · medicines
   │ 07 of M │  brother · tuition
   └─────────┘  pre-approved · fires on calendar

Nani's heart medicine on the second of every month. The college tuition on the seventh. Pre-approved at the pair, fired on the calendar, audited on the row. You forget months; the rail does not.

GOALS · ladder contributions

The ladder with a name.

   ░░░░▓▓▓▓▓▓▓▓░░░░    house · 64% · 14 mo
   ▓▓▓▓▓▓▓▓░░░░░░░░░░░░  MBA · 38% · 22 mo

Wedding · MBA · the house deposit. Milestones get remembered, tracked, and warmly nudged. Each contribution lands on the ladder and the dot moves. When amma tops it up the family group-chat is, finally, warm.

AI COACH · the Bloomberg Terminal for a family

An AI family financial coach.

   ┌──────────────────────┐
   │ ◐  coach · ledger    │
   │    "FX window opens" │
   └──────────────────────┘

Reads the household ledger out loud. Flags the standing order that drifted, the FX window that opened up, the saving that lapped the bank's quote. The Bloomberg Terminal for a two-country family, democratised. Quiet by default. Loud only when something matters.

// ROLES · four seats around the family ledger

Four seats. One ledger.

┌─────────────┬──────────────────────────────────────────────────────────────────────────────┐
│ ROLE        │ WHAT THEY HOLD                                                               │
├─────────────┼──────────────────────────────────────────────────────────────────────────────┤
│ treasurer   │ the one who keeps score. budget caps, standing-order approvals, joint-goal pacing. │
│ sender      │ the one who flew. opens the pair, picks the corridor, fires the standing orders. │
│ receiver    │ the one at home. sees the land, redeems against the wallet, tops up the joint goal. │
│ watcher     │ the elder. read-only view. notifications without controls. peace of mind.    │
└─────────────┴──────────────────────────────────────────────────────────────────────────────┘
role assignments are pair-bound · re-assignable any time · audit row on every change
// QUIET · the things we promise never to do

Four lines we will never cross.

  1. ▸We will never sell ledger data. Not aggregate. Not anonymised. Not ever.
  2. ▸We will never show the elder a control they did not ask for. The watcher view stays read-only.
  3. ▸We will never auto-renew a subscription you've marked as 'cancel'. The tally is your tally.
  4. ▸We will never let a sub-card overshoot its cap. Authorisation is denied at the network, not the app.

Add the family. Open the ledger.

▸ Open wallet pairENTERAlready on it · sign inS▸ Invite the familyI