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 Bank 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 bank.
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 Bank →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 Bank 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.
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 Bank 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 Paddle, our Merchant of Record. 14-day refund on unconsumed templates and current Pro period.
NO LEGAL ADVICE. Zentru is a document assistant and software tool-kit under W. Va. Code §30-2-4. We are not a law firm and do not provide legal or tax advice. Generated documents must be reviewed by a WV-licensed attorney before they carry legal effect. Consult a licensed attorney and CPA before relying on any output of this platform.