Literacy path

Macro literacy for multi-decade wealth.

Four short lessons. Each ends with a 3-question check. Progress is stored locally on this device — no account required.

Progress
0 / 8
  1. Lesson 1 · 4 min

    The long-term debt cycle

    Why every reserve currency eventually restructures.

    Open lesson →
  2. Lesson 2 · 4 min

    Monetary Policy 3 (MP3)

    When rate cuts run out, central banks print and buy.

    Open lesson →
  3. Lesson 3 · 3 min

    How fiat devaluation actually works

    The slow tax most savers never see itemised.

    Open lesson →
  4. Lesson 4 · 4 min

    On-chain hedges and trust governance

    Why settlement rails matter as much as asset choice.

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  5. Lesson 5 · 5 min

    The three big cycles

    Debt, internal order, great-power competition — and what happens when they turn together.

    Open lesson →
  6. Lesson 6 · 4 min

    The easy-money regime

    Why a long stretch of suppressed real rates quietly raises trust risk.

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  7. Lesson 7 · 4 min

    Panic to institution: 1907 → 1913

    Why durable governance is built retrospectively, after the panic that demanded it.

    Open lesson →
  8. Lesson 8 · 3 min

    Time is money — literally

    Non-monetary exchange as a complement, not a competitor, to AFR-priced credit.

    Open lesson →

Education, not advice. See /legal/no-advice.

ZENTRU

Fiduciary-SaaS for West Virginia Irrevocable Community Trust Funds. Powered by Stellar. Settled by Stripe.

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Zentru is an administrative software provider operating under W. Va. Code § 30-2-4 guidelines. It does not provide formal legal or tax counsel. All legal instruments must be verified with an attorney licensed in your home jurisdiction.

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Zentru is recordkeeping and workflow software for grantors, trustees, and beneficiaries of West Virginia Irrevocable Community Trust Funds. It helps users draft, sign, anchor, and audit trust documents and on-chain disbursements under the WV Uniform Trust Code.

It does not provide legal, tax, or investment advice, custody client funds, act as a bank or trust company, or move real money on a production blockchain. All Stellar activity occurs on the public testnet.

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Automated Fiduciary Logic is governed by W. Va. Code §44D and executed via the Stellar Network. Stellar transactions are executed on the public testnet — no real value is moved.