The Autonomous Family Reserve (AFR) is a fusion of tradition and technology: a digital family trust that supports its members in times of need. It is designed to ensure multi-generational continuity and financial resilience by providing a clear and fair structure for how relatives help one another.

Core philosophical pillars:

• Autonomy: Operates independently from outside institutions. Rules are defined in advance and enforced automatically using a public blockchain, which means no outside party can freeze or seize the family’s shared assets stored in the reserve.

• Transparency: Rules and records are accessible to all members. Every member can clearly see the balance of the reserve account, proposals for how to use funds, and the outcome of decisions.

• Resilience: Built to sustain beyond a single generation. Clear and predictable processes are in place for welcoming new family members and respectfully updating records when members pass away. This ensures continuity without disruptions.

• Alignment: The concept is based on the fundamental human desire to help family members in times of distress, and it streamlines how that help is organized. By balancing contributions and benefits, AFR makes it rewarding for family members to support each other.

• Simplicity: Easy to start with no cost and without the burden of complex legal documents. Families can begin with a simple agreement template and later add a legal wrapper if needed.

Think of AFR as a self-maintaining organization created to preserve family wealth, nurture prosperity, and adapt to changing conditions.

The process of AFR formation begins by drafting a Family Charter (operating agreement) that aligns all members with a common goal. This can be done easily using a template. The charter should outline:

• Purpose: Wealth preservation, education, family medical insurance, and/or philanthropy.

• Membership: Bloodline, chosen kin, or contribution-based.

• Governance framework (discussed below)

• Voting mechanism: How decisions are proposed, discussed, and voted on (e.g., majority vote, quorum rules).

• Membership changes: Clear process for adding new members and respectfully updating records when a member passes away or decides to leave.

Before creating the reserve account, the family should agree on how decisions will be made and who will carry responsibilities. This framework will describe whether each member has an equal vote or whether votes are weighted by contributions. It should also set clear rules for how proposals are introduced, how many participants are needed to confirm the proposal and how long voting periods last. Voting may happen online during a family call or offline, with members submitting their decision within a specified deadline after a proposal is made. A proposal is considered valid once the required approval threshold (quorum) is met, as defined in the charter.

To keep things simple in the beginning, decisions can be recorded in shared documents or basic online tools, with the option of moving to more formal systems later. As the AFR is hosted on a blockchain, there will also be a permanent record of all financial transactions on-chain, even if no off-chain records are maintained or if they were lost.

Once the charter is agreed upon by the founding members, one designated family member, called "operator", can proceed to create a reserve account for the Family Reserve and set it up according to the rules described in the charter. This account will act as the official starting point for holding contributions and recording activity.

Usually families begin with a very simple technical setup for the reserve account — for example, by using a multi-signature crypto wallet, e.g. Safe where several family members act as co-signers. This setup ensures that no single person can move funds unilaterally, while keeping the system simple and secure. Over time, managing the reserve account can become more organized and less dependent on one individual. The family may gradually put in place simple routines or tools that make oversight easier and less time-consuming.

During the formation stage, each family member creates their own digital key that will be used to sign proposals and participate in decisions. An operator then adds each member’s key to the reserve account. This member list becomes the official record of who can take part in voting and ensures that only added family members have the right to influence decisions. After the reserve is formed, new family members can be added later through the standard voting process described in the charter.

Members may contribute to the reserve voluntarily, whether during its initial setup or at any later stage. As the reserve account itself can only hold assets on-chain, any other type of contribution must first be converted or liquidated into an on-chain asset, whether it is a blockchain-native asset (such as a cryptocurrency or token) or a real-world asset ported on-chain (RWA) by an operator member before being added.

Once the first contributions have been added, the natural question arises: how should these funds be managed? Members may decide to keep most of the reserve in cash‑equivalent assets such as stable-coins, or they may choose to allocate part of the reserve account into other assets like investments in crypto assets or real-world assets issued on-chain (RWA). It's important to always have some liquidity buffer set aside so funds are available quickly in case of emergencies.

Distributions are the way in which the reserve supports its members. They can take different forms depending on the needs and goals of the family. All distribution requests should be evaluated by the board of members against the criteria outlined in the charter, so decisions are consistent and aligned with the family’s shared goals.

Here are some examples:

• Needs‑based distributions are provided when members require help with healthcare or unexpected emergencies.

• Pro‑rata distributions are regular dividends or allowances shared among all members, reflecting the idea that everyone benefits from the family’s collective effort.

• Special grants can also be made to fund projects or initiatives that align with family values, such as supporting a new business, tuition, cultural activities, or charitable work.

The governance process usually follows a clear flow: a proposal is introduced, members vote on it, and once the required quorum (the minimum number of votes needed for approval) is reached, the decision is executed. If the required quorum is not met, the proposal may be postponed for further discussion, revised to address concerns, or in some cases withdrawn entirely.

It's important to make sure the reserve keeps working smoothly as generations change. This includes welcoming new members, updating records when members pass away, preserving important documents, and keeping the charter current.

When the number of members changes, the board should adjust the voting threshold accordingly. It is important to keep the threshold high enough so that decisions cannot be controlled by a single person. This protects the reserve from becoming dependent on the opinion of a single individual and ensures that voting always reflects the values of the charter rather than the preferences of a single family member.

To preserve the mission of the reserve, it is important to keep the family charter and records in safe, resilient archives that will remain accessible for decades. The charter itself should be reviewed on a regular basis and updated when circumstances change, so that the rules stay relevant and the common goals are always clear for future generations.

The following summary shows how the reserve typically operates in practice:

A new member may begin by creating a digital key and being added to the official member list. Once the family agrees on the charter and governance framework, one designated member sets up the reserve account. Contributions from members are then added, and these assets are placed into the reserve account. The reserve account is reviewed on a regular basis to ensure transparency and accuracy.

When a need or opportunity arises, a proposal is submitted in line with the charter. Members discuss and vote on the proposal, either online during a family call or within a set deadline. If the quorum is reached, the decision is executed. This could involve providing a distribution to a member in need, funding a project, or updating the reserve’s structure.

At the end of each year, the family may choose to share dividends, review the charter, and adjust long‑term strategies to keep the reserve aligned with its purpose and values.

As the reserve grows and matures, families may want to add more formal and advanced elements:

Legal. At some point, the family may decide to create a legal foundation or trust to give the reserve formal recognition under the law.

Management tools. Early on, simple shared documents or calls may be enough to record decisions. With time, however, members might choose to adopt more advanced platforms that can handle decision‑making, record‑keeping, and even automation of routine tasks such as tracking contributions, scheduling votes, or producing reports. Once dedicated software for AFR operations becomes available, it will make setup and day‑to‑day management much easier, allowing families to focus on meaningful decisions rather than technical administration.

Knowledge. The reserve can start with a template-based charter and basic written guidelines. As experience accumulates, the family may create their own digital guides and a charter that are customized to the specifics of the family’s culture, goals, and traditions.

While the AFR model is simple in structure, it introduces a new way of managing family assets that depends on modern digital tools. One of the main barriers to adoption is that family members need to be comfortable using crypto wallets and general understanding how blockchain-based money. This requirement may initially slow down participation, especially among older or less tech-savvy relatives. However, this barrier is expected to diminish over time as blockchain technology becomes more user-friendly and widely adopted — particularly in the payments industry, where digital wallets and stable coins are becoming everyday tools in some countries. As familiarity grows, managing and participating in the AFR will feel as natural as online banking does today.

The AFR is more than a fund. It is a living system that blends financial welfare with family bonds, collective decision-making, and long-term resilience. If this idea resonates with you and that you might want to try it out, send us message.

The Autonomous Family Reserve (AFR) is a fusion of tradition and technology: a digital family trust that supports its members in times of need. It is designed to ensure multi-generational continuity and financial resilience by providing a clear and fair structure for how relatives help one another.

Core philosophical pillars:

• Autonomy: Operates independently from outside institutions. Rules are defined in advance and enforced automatically using a public blockchain, which means no outside party can freeze or seize the family’s shared assets stored in the reserve.

• Transparency: Rules and records are accessible to all members. Every member can clearly see the balance of the reserve account, proposals for how to use funds, and the outcome of decisions.

• Resilience: Built to sustain beyond a single generation. Clear and predictable processes are in place for welcoming new family members and respectfully updating records when members pass away. This ensures continuity without disruptions.

• Alignment: The concept is based on the fundamental human desire to help family members in times of distress, and it streamlines how that help is organized. By balancing contributions and benefits, AFR makes it rewarding for family members to support each other.

• Simplicity: Easy to start with no cost and without the burden of complex legal documents. Families can begin with a simple agreement template and later add a legal wrapper if needed.

Think of AFR as a self-maintaining organization created to preserve family wealth, nurture prosperity, and adapt to changing conditions.

The process of AFR formation begins by drafting a Family Charter (operating agreement) that aligns all members with a common goal. This can be done easily using a template. The charter should outline:

• Purpose: Wealth preservation, education, family medical insurance, and/or philanthropy.

• Membership: Bloodline, chosen kin, or contribution-based.

• Governance framework (discussed below)

• Voting mechanism: How decisions are proposed, discussed, and voted on (e.g., majority vote, quorum rules).

• Membership changes: Clear process for adding new members and respectfully updating records when a member passes away or decides to leave.

Before creating the reserve account, the family should agree on how decisions will be made and who will carry responsibilities. This framework will describe whether each member has an equal vote or whether votes are weighted by contributions. It should also set clear rules for how proposals are introduced, how many participants are needed to confirm the proposal and how long voting periods last. Voting may happen online during a family call or offline, with members submitting their decision within a specified deadline after a proposal is made. A proposal is considered valid once the required approval threshold (quorum) is met, as defined in the charter.

To keep things simple in the beginning, decisions can be recorded in shared documents or basic online tools, with the option of moving to more formal systems later. As the AFR is hosted on a blockchain, there will also be a permanent record of all financial transactions on-chain, even if no off-chain records are maintained or if they were lost.

Once the charter is agreed upon by the founding members, one designated family member, called "operator", can proceed to create a reserve account for the Family Reserve and set it up according to the rules described in the charter. This account will act as the official starting point for holding contributions and recording activity.

Usually families begin with a very simple technical setup for the reserve account — for example, by using a multi-signature crypto wallet, e.g. Safe where several family members act as co-signers. This setup ensures that no single person can move funds unilaterally, while keeping the system simple and secure. Over time, managing the reserve account can become more organized and less dependent on one individual. The family may gradually put in place simple routines or tools that make oversight easier and less time-consuming.

During the formation stage, each family member creates their own digital key that will be used to sign proposals and participate in decisions. An operator then adds each member’s key to the reserve account. This member list becomes the official record of who can take part in voting and ensures that only added family members have the right to influence decisions. After the reserve is formed, new family members can be added later through the standard voting process described in the charter.

Members may contribute to the reserve voluntarily, whether during its initial setup or at any later stage. As the reserve account itself can only hold assets on-chain, any other type of contribution must first be converted or liquidated into an on-chain asset, whether it is a blockchain-native asset (such as a cryptocurrency or token) or a real-world asset ported on-chain (RWA) by an operator member before being added.

Once the first contributions have been added, the natural question arises: how should these funds be managed? Members may decide to keep most of the reserve in cash‑equivalent assets such as stable-coins, or they may choose to allocate part of the reserve account into other assets like investments in crypto assets or real-world assets issued on-chain (RWA). It's important to always have some liquidity buffer set aside so funds are available quickly in case of emergencies.

Distributions are the way in which the reserve supports its members. They can take different forms depending on the needs and goals of the family. All distribution requests should be evaluated by the board of members against the criteria outlined in the charter, so decisions are consistent and aligned with the family’s shared goals.

Here are some examples:

• Needs‑based distributions are provided when members require help with healthcare or unexpected emergencies.

• Pro‑rata distributions are regular dividends or allowances shared among all members, reflecting the idea that everyone benefits from the family’s collective effort.

• Special grants can also be made to fund projects or initiatives that align with family values, such as supporting a new business, tuition, cultural activities, or charitable work.

The governance process usually follows a clear flow: a proposal is introduced, members vote on it, and once the required quorum (the minimum number of votes needed for approval) is reached, the decision is executed. If the required quorum is not met, the proposal may be postponed for further discussion, revised to address concerns, or in some cases withdrawn entirely.

It's important to make sure the reserve keeps working smoothly as generations change. This includes welcoming new members, updating records when members pass away, preserving important documents, and keeping the charter current.

When the number of members changes, the board should adjust the voting threshold accordingly. It is important to keep the threshold high enough so that decisions cannot be controlled by a single person. This protects the reserve from becoming dependent on the opinion of a single individual and ensures that voting always reflects the values of the charter rather than the preferences of a single family member.

To preserve the mission of the reserve, it is important to keep the family charter and records in safe, resilient archives that will remain accessible for decades. The charter itself should be reviewed on a regular basis and updated when circumstances change, so that the rules stay relevant and the common goals are always clear for future generations.

The following summary shows how the reserve typically operates in practice:

A new member may begin by creating a digital key and being added to the official member list. Once the family agrees on the charter and governance framework, one designated member sets up the reserve account. Contributions from members are then added, and these assets are placed into the reserve account. The reserve account is reviewed on a regular basis to ensure transparency and accuracy.

When a need or opportunity arises, a proposal is submitted in line with the charter. Members discuss and vote on the proposal, either online during a family call or within a set deadline. If the quorum is reached, the decision is executed. This could involve providing a distribution to a member in need, funding a project, or updating the reserve’s structure.

At the end of each year, the family may choose to share dividends, review the charter, and adjust long‑term strategies to keep the reserve aligned with its purpose and values.

As the reserve grows and matures, families may want to add more formal and advanced elements:

Legal. At some point, the family may decide to create a legal foundation or trust to give the reserve formal recognition under the law.

Management tools. Early on, simple shared documents or calls may be enough to record decisions. With time, however, members might choose to adopt more advanced platforms that can handle decision‑making, record‑keeping, and even automation of routine tasks such as tracking contributions, scheduling votes, or producing reports. Once dedicated software for AFR operations becomes available, it will make setup and day‑to‑day management much easier, allowing families to focus on meaningful decisions rather than technical administration.

Knowledge. The reserve can start with a template-based charter and basic written guidelines. As experience accumulates, the family may create their own digital guides and a charter that are customized to the specifics of the family’s culture, goals, and traditions.

While the AFR model is simple in structure, it introduces a new way of managing family assets that depends on modern digital tools. One of the main barriers to adoption is that family members need to be comfortable using crypto wallets and general understanding how blockchain-based money. This requirement may initially slow down participation, especially among older or less tech-savvy relatives. However, this barrier is expected to diminish over time as blockchain technology becomes more user-friendly and widely adopted — particularly in the payments industry, where digital wallets and stable coins are becoming everyday tools in some countries. As familiarity grows, managing and participating in the AFR will feel as natural as online banking does today.

The AFR is more than a fund. It is a living system that blends financial welfare with family bonds, collective decision-making, and long-term resilience. If this idea resonates with you and that you might want to try it out, send us message.