No sum unbounded. A record that keeps your word, by your word.
Choose a keeper and extend on your terms — money joined to a documented purpose, never cast into the dark.
Schedule, collateral, the default clause — read together, agreed together, sealed together. A bond is formed.
Each transaction moves on its due date and clears to the extender’s bank. The schedule follows the promise formalized in the covenant.
Every tender lands upon one immutable ledger. Kept word raises your standing — and standing opens the gate wider.
Follow the life of the covenant.
The card seals, the first tender lands, and the standing rises — the whole life of a documented loan. This is the product: a kept promise.
Total covenant amount shown before every agreement is firm, always — no hidden fees.
12 months · interest-free by her keeper's choice$8,400
Rise from Bystander to Benefactor.
Eight orders, counted in lives lifted — the distinct keepers you have backed, not the sums you moved. One life makes you a Keeper; three, a Steward; eight, a Patron.
Guardian and above presume funds held in custody, so they stand sealed until that opens — visibly, not quietly out of reach.
Rise from First Light to Empyrean.
Nine rungs, counted in what your bank holds — a separate ladder, because reserves are not service. The first opens at $1,111.
A rating built from validated trust — never from opinion.
Zero to 1,133, assembled only from validated records — completions, breaches, and the tribe cascade of those who vouched for you. Every verdict is explainable; there are no silent declines, by design and by law.
Portable proof of your word — here, and beyond.
An ask, on a public clock.
A public request, open to funding — up to eleven keepers may pledge, and at the deadline it seals at 70% filled or better, or it is nulled and every hold released.
You do not bank alone.
Beyond a single deal is a whole order — officers who act for you, keepers who back one another, and correspondence kept note by note.
Officers who act in your name
Appoint keepers to your bank within a mandate — Savant, Envoy, Warden, Director, or Auditor. Rank governs what they may lend; every act they take is traced.
Back keepers together
Join a pool and back many covenants in small parts. If a word breaks, the loss is shared pro-rata — no keeper bears a broken covenant alone.
Back a documented purpose
Open asks from across the order, each with a rating, a kept-word rate, and its terms in full. You back a reason — never a blank hand.
Trust, built note by note
Message keepers formally — a request to connect, then a thread that can cite a covenant. Words are exchanged before money ever moves.
Study your bank like a CFO.
Every dollar — extended, owed, idle, or in pools — attested, screened, and benchmarked against peers of your standing, so you know your worth before you ask.
Guarded by design, governed by record.
The same guards protect every keeper — ceilings you earn, a pace that stays honest, and forgiveness that is never silent.
A hard, all-in ceiling on consumer covenants — every cost counted, shown before you agree.
No silent declines. Every no carries its reasons, and how to strengthen the next ask.
Nothing of yours is public unless you lift the seal yourself, item by item.
Unusual speed or structuring is watched and surfaced — clean money included.
A balance may be forgiven as mercy — but it is recorded as forgiven, never erased.
Every source is attested and screened before it is allowed to move.
Collusive circles are surfaced to ARC, not left to fester.
Threshold reports to FinCEN, handled server-side, by the book.
What you may owe is surfaced honestly — 1099-aware, never a surprise.
Report or block a bad actor in a tap — every matter is reviewed by a person, and you are always told why. Every keeper is verified before they can move money, every party is screened against sanctions and PEP lists, and no machine ever renders that verdict alone.
Three memberships. One rule about money.
- Extend, borrow & seal covenants
- Living ledger, records & receipts
- Vault, standing & ARC Score
- The Window, the pools & the Exchange
- Everything in Keeper
- Serve as an emissary
- Lineage to the third generation
- Your whole lineage, every generation
- Venture — request investment
- Everything in the Knight
- Appoint emissaries — employ officers
- Sever a weak line
- Venture — pitch and fund
- Full analyst panels & CFO-grade exports
The platform fee. $0.33 per tender or 1.13% of the amount, whichever is lower — collected as tenders land, paid by the extender, never the borrower, and always inside the 36% cap.
A membership opens tools and standing — never a better rate, never a higher lending ceiling. Those are earned by kept word alone. See the full sheet →
Where your bank stands, among its own.
Ranked by Rating — the figure your own record produces. No place on a board is bought.
The banks around you.
Movement, measured over thirty days.
Your lineage, rank by rank. Opens at the Knight.
who keep their word.
Benefactor grows by trust passed hand to hand — eleven invitations to each keeper, and every lineage remembered. Kept word cascades through the ones who vouched for you: we rise together, or not at all.
Already a keeper? Enter my bank →