About Twin Ledger
Finance for families, not data brokers.
What we're building
We’re building a private, end-to-end encrypted family finance platform that helps couples get out of debt, get on the same page, and stay there. No ads. No tracking. No selling your data. Ever.
- End-to-end encryption keeps your financial life between you and your spouse.
- Debt-averse by design: Clarity, discipline, and real progress without living on borrowed money.
- Built for collaboration: budgets and plans designed for two adults leading a home.
Who we're building it for
Twin Ledger is built for a household led by a married couple that wants order, privacy, and a shared plan. If you value stewardship over gimmicks and want fewer surprises in the month, you’re our people.
Great for
- Married couple running a home
- Kids, school, activities, real expenses
- Debt payoff and steady habits
- Privacy over points and promos
Also for
- Dual income or one at home
- Budget plus projects and trips
- Shared decisions that stick
- High net worth households
Principles we're building on
Real accounting, without the bloat
Double-entry under the hood. Reconciliations and monthly close for households.
Built for couples
Two people, one plan. Roles, approvals, and shared context so decisions stick.
Privacy first
No data monetization, no ad tech. Your household is not a product.
Craft before scale
Scale should follow excellence, not replace it. We focus on getting the product right first.
Who we are
We're building Twin Ledger in Utah Valley with a small, independent team of operators and accountants who care deeply about clarity and privacy in family finance. We are privately built and funded, with no outside capital or influence, so we can stay true to those principles. Our background spans prior fintech builds and exits, Big Five accounting, and public audit. We’re applying that experience to build something dependable for ordinary families.
- Privacy-first engineering
- Big Five and public audit experience
- Prior fintech builds and exits
