Three applications, one continuous workflow. From financial literacy to a §44D community trust to multi-decade Stellar-anchored payouts — the Zentru suite is the late-cycle stack for family capital.
Literacy → trust design → live disbursements. Each app hands off cleanly to the next so nothing falls between tools.
Built for macro fragility: hard-money primitives, AFR-priced lending, and Stellar settlement that survives an empire.
Hash-chained audit trail, 2-of-3 multisig, and protector roles mean nobody has to trust the steward's word.
Each tool stands alone. Open Financial Freedumb today, draft a trust in Zentru Lite next quarter, operate it on Zentru in a decade.
Use them in sequence — Plan → Prepare → Get paid — or open any one on its own. Each app stands alone; together they form the late-cycle stack.
Sharpen the mind before you move the money.
A late-cycle literacy companion. Decode the macro, audit your spending stories, and replace finance-bro noise with first-principles thinking.
Draft the trust. Map the multi-decade rails.
A guided sandbox for structuring your §44D community trust. Model beneficiaries, protector roles, multisig topology, and Family Bank lending — before you commit on-chain.
Operate the trust. Receive for decades.
Private trust infrastructure governed by 2-of-3 Stellar multisig, with a hash-chained audit trail any beneficiary can verify and a built-in Family Bank for AFR-priced household lending.
Sharpen the mind before you move the money.
A late-cycle literacy companion. Decode the macro, audit your spending stories, and replace finance-bro noise with first-principles thinking.
Draft the trust. Map the multi-decade rails.
A guided sandbox for structuring your §44D community trust. Model beneficiaries, protector roles, multisig topology, and Family Bank lending — before you commit on-chain.
Operate the trust. Receive for decades.
Private trust infrastructure governed by 2-of-3 Stellar multisig, with a hash-chained audit trail any beneficiary can verify and a built-in Family Bank for AFR-priced household lending.
Financial Freedumb decodes the macro and rewires the spending narratives that quietly compound against you. Show up to the trust conversation already fluent.
Zentru Lite turns that fluency into a draft: trust topology, multisig roles, Family Bank lending terms — modeled and pressure-tested before anything is irrevocable.
Zentru anchors the live trust on Stellar with a 2-of-3 multisig and a hash-chained audit vault. The Family Bank pays out at AFR for decades, verifiable by any beneficiary.
Each app is priced for the work it does. Start with literacy, graduate into trust design, and only pay setup when you're ready to operate on-chain.
You want to get fluent before touching legal or on-chain rails.
Bite-sized lessons walking through long-term debt cycles, monetary debasement, and what hard money actually means — with charts you can re-read on your own time.
Printable + fillable worksheets that surface the stories behind your spending so you can audit lifestyle creep before it compounds.
Side-by-side breakdowns of past late-cycle regimes (Weimar, 1970s US, post-2008) showing what rhymes today and what doesn't.
Short essays that re-derive ownership, time preference, and risk from scratch — so you can evaluate any asset without finance-bro shortcuts.
Plain-English definitions for the jargon you'll see in macro commentary, with links back to the relevant primer.
No login, no email gate, no progress tracker. Read in any order, return anytime, share a link without breaking it.
You're ready to draft a §44D trust and pressure-test the topology.
Visual editor for the trust shape required under Puerto Rico §44D — settlors, classes of beneficiaries, and the relationships between them.
Assign people to roles, see who can do what, and catch power concentrations before your attorney does.
Pick three signers, simulate what happens when any one is unavailable, compromised, or hostile — before you provision keys on-chain.
Model intra-family loans using the IRS Applicable Federal Rates, with amortization schedules and tax-safe loan documentation.
Compose distribution rules (age gates, milestone unlocks, hardship clauses) and see how they interact across generations.
Run your topology through worst-case events to see whether the trust keeps working or falls back on a single point of failure.
Hand your attorney a structured PDF plus machine-readable JSON so they can mark up language without re-typing the whole topology.
You have a trust in hand and want to operate it on Stellar.
We provision your multisig account on Stellar mainnet with the signer weights and thresholds your draft specified — no DIY key ceremony.
Every distribution, vote, and protector action gets hashed into a tamper-evident chain any beneficiary can verify independently.
Recurring Family Bank loan and repayment flows execute on schedule at the current AFR, with receipts bundled for your accountant.
Beneficiaries log in with email and verify balances, distributions, and audit history — no seed phrases or wallet apps to learn.
Protectors can pause, veto, or rotate signers through a workflow with built-in timelocks so no single actor can move fast and break things.
End-of-year package with everything your CPA needs: distributions, loan activity, protector actions, and on-chain proofs in one bundle.
Named contact at Zentru for incident response, signer changes, and yearly reviews — not a ticket queue.
One row per capability so you can see what each app actually does — and where the handoff lives between Plan, Prepare, and Get paid.
Per-app answers on who can use each tier, what you can export, how access limits work, and the support you get from Freedumb through Zentru.
Operators, principals, and trustees on what shifted once they picked up the suite.
Financial Freedumb broke the autopilot. I stopped optimizing my paycheck and started thinking in decades.
We modeled the §44D trust in Lite over a weekend. Our attorney called it the cleanest first draft she'd seen.
Disbursements run on their own now. Every beneficiary can verify the ledger without calling me.
I came for the spreadsheets. I stayed because the suite is the only thing treating capital like a multi-decade game.
Still unsure where to start? These are the questions people ask most often before opening the first app.
One email when a new tool, template, or trust feature lands. No finance-bro noise, ever.