Zentru is private trust infrastructure for the late-stage debt cycle. A WV §44D Irrevocable Community Trust, governed by 2-of-3 Stellar multisig, with a hash-chained audit trail any beneficiary or auditor can verify — and a built-in Family Lender for AFR-priced household lending.
When the trust owns a permanent life insurance policy, its cash value becomes a tax-advantaged reservoir. Zentru lets the Trustee borrow against that reservoir and re-lend to family members at the Applicable Federal Rate — keeping interest inside the household instead of paying it to a commercial lender.
Every loan is papered as a §7872 promissory note, every payment is hash-chained to Stellar, and the death benefit eventually restores the principal — generation after generation.
Start the Family Lender →Grantor pays an annual premium into a trust-owned permanent policy. Crummey notices to beneficiaries are issued and acknowledged automatically.
Cash value grows tax-deferred inside the policy and is reflected in the Family Lender balance — visible to the Trustee, opaque to the public.
Trustee + Protector co-sign an AFR-priced promissory note to a family borrower. Funds flow from the policy loan; principal stays invested.
Borrower repays principal + interest on a tracked schedule. Every payment is a hash-chained receipt; the death benefit eventually retires the loan.
Fire a centralized economic shock. Watch it travel toward the trust corpus. The DAPT absorbs asset hits, the SGX enclave seals underwriting, ChainCash drives transaction friction to zero, and the Zentru Suite blocks telemetry — every event sealed with a SHA-256 receipt in your browser.
Every fired shock produces a Web Crypto SHA-256 receipt of the shock, the defense matrix, and the resulting score. No server, no telemetry, no external API.
Underwriting channel · sealed enclave
Trust drafting wizard checkpoints every requirement of the WV Uniform Trust Code, including duty-to-inform handling and Designated Representative routing under §44D-8A.
On activation, each trust account is provisioned with a 2-of-3 multisig (Trustee · Platform · Trust Director) and the master key weight set to zero. No quiet edits, ever.
Notice obligations don't disappear — they're rerouted to a Designated Representative. Beneficiaries stay 'silent' until your defined Trigger Event fires.
Four new modules turn drafting tools into a fiduciary control plane — every action hash-chained and replayable.
Generate IRS-ready notices, capture e-signature acknowledgments, and seal each tax year into the Tax Compliance Vault with a SHA-256 receipt and §2503(b) manifest.
Open Crummey ledger →Every proposal requires two signatures. The Protector keeps a 72-hour veto window — invoking it freezes assets and writes an immutable, hash-chained freeze ledger.
Enter Board Room →Record mentors, lessons, and skills behind each holding. Provenance hashes travel with the asset so heirs inherit the story, not just the balance.
Open Asset Depot →Define milestone, attestation, or schedule triggers per asset. When conditions clear and both signatures land, distributions release through the same multi-sig pipeline.
Configure triggers →Buy the document pack once. Optionally add the live Trust-as-a-Service tier — nexus engine, BOI/1099-DA reporting, Family Lender servicing.
Bundle saves $100 and locks in $200/mo Pro for the first 12 months.
One trust. Pay once.
Lite + first month Pro. Then $200/mo for 12 months (vs $250).
Requires Lite or your own uploaded documents.
Payments processed by Stripe, our Merchant of Record. 14-day refund on unconsumed templates and current Pro period.
LEGAL DISCLAIMER: Zentru is a decentralized administrative software suite. Zentru does not solicit deposits from the public, does not hold or custody client fiat funds, and is not a chartered bankinginstitution, trust company, or licensed money services business (MSB) under the Bank Secrecy Act.
NO LEGAL ADVICE. Zentru is a document assistant and software tool-kit under W. Va. Code §30-2-4; not a law firm; consult a WV-licensed attorney and CPA before relying on any output of this platform.