A young woman in soft light, looking directly ahead

You’ve been reliable all along. Now it counts.

The credit system was never built to see you. Teenth builds the record that does — from the rent you already pay, the savings you already grow, and the people who already believe in you.

  1. 1 Connect your bank
  2. 2 Teenth writes your record
  3. 3 Share it

Never sold. Never sent to a credit bureau.

A young Black man lit from above, looking upward with resolve

You belong here

From counted out
to counted in.

The financial system was built to exclude.

It excluded the descendants of the enslaved, whose forty acres never came. It excluded the Irish and the Italians who arrived with nothing on record, and the families of Appalachia who worked and stayed poor. It excluded the women who earned it but couldn’t hold it in their own name, and the immigrants and the Dreamers whose history had to start over at the border. Teenth is built for everyone the ledger refused to count. If you’re here, you belong here.

“The 13th freed us. The 14th claimed us. The 15th and 19th counted us. The Teenth pays us back.”
The amendment America never wrote

The whole path, and where it is today.

  1. 01

    Start your account

    Open now

    Name, email, and you are on the record. No bank required to begin.

  2. 02

    Build your Circle

    Open now

    Invite the people who already vouch for you — family, chosen family, a coach, a pastor. Their word is evidence here.

  3. 03

    Set your goals

    Open now

    What you are working toward, in your words. Sherman remembers it and coaches against it.

  4. 04

    Connect your bank

    Open now

    Through Plaid. We never see your password, and Teenth cannot move a dollar in or out.

  5. 05

    Teenth writes your record — and your Teenth Score

    Next release

    Your bills are found automatically. The Score computes weekly and every point is explained in plain language.

  6. 06

    Hit milestones, and get paid for them

    Next release

    Thirty days on time. Five people who vouched. Real money against a real bill, funded by members and partners.

  7. 07

    Earn the Teenth Token

    Next release

    Sixteen milestones, sixteen pieces. A record of what you did, not something you bought.

  8. 08

    Let your Circle back you — visibly

    Next release

    Ask for help with a specific bill, or raise up to $1,000 for a specific need. Everyone who gives sees exactly where it went. Nothing disappears into a cash app.

  9. 09

    Open doors with it

    Next release

    Offers from partners matched to your Score, and a credential you hand to a landlord or an employer yourself. Nobody can pull it without you.

What we promise in return

  • A setback is never called a failure.
  • Your data is never sold.
  • Never sent to a credit bureau.
  • Every point explained, always.
A young man with a warm, open expression
Five minutes to a first Score — built from what is already in your account.
Your Teenth Score
0B+
10 of 16 milestones to your first Token
On-time payments30%
Savings25%
Spending20%
Income transparency15%
Community10%

Your reliability. Recognized.

Five inputs, weighted and transparent: on-time payments, savings, spending, income, and community. Built from two years of your real history the moment you connect your bank.

Even communication counts. Tell Teenth a payment will be late before it’s due, and your standing holds. No credit system on earth scores that. Teenth does.

The people who vouch for you finally count — community is 10% of your Score.

Five mechanics. One record.

Each one turns a piece of the life you already live into reliability the system can finally read.

  1. The Teenth Score

    A private reliability score on a scale you already know. Behind on the record is called building, not failing.

  2. Verified Reliability

    The credential you present to landlords and lenders. Yours to share, never sent without you.

  3. Pay at Your Pace

    Split any monthly bill to your income rhythm — and let family pay their share straight to the biller.

  4. The Peer Money Record

    The money your circle already moves, finally counted in one place.

  5. The Ask

    Micro-raises under $1,000 for life-sized needs — a bill, a laptop, a school trip — powered by your journey.

That is what yours would say. Start writing it.

Open the app
A group of friends of several backgrounds crowded together, laughing

You stop explaining yourself and start showing them.

A record you own

Not a file someone keeps about you — a document you hold, control, and hand over one person at a time.

People who vouch

Your Circle's word is documented and counted, because the people behind you were always part of how you got through.

Standing that pays

Hit a milestone and a real bonus lands on a real bill. The record is worth something before anyone else honors it.

You’re not a customer here. You’re a Signer.

Nobody builds a record alone.

Behind every Signer is a circle — parents, partners, mentors, whole communities — who show up. Credit turned that support invisible for generations. Teenth gives it a place to count.

Support the movement
A family around a table at home, three generations playing a board game together

The amendment America never wrote.

A declaration of the right to economic belonging — written for everyone the ledger left out, so the next generation inherits inclusion, not exclusion. Read it. Add your name.

The Economic Inclusion Amendment

Proposed by the people it was written for.

Preamble. Four times this country amended itself to make us free, to make us citizens, to make us voters. Not once did it amend itself to make us owners. Each time the law moved, the ledger stayed exactly where it was: land promised and taken back within the year; savings banked and lost; wages earned and never written down; whole working lives that no record would count. It was true for those brought here in chains and freed with nothing, for the immigrant who arrived with a career no office would read, for the woman forbidden to hold a dollar in her own name, for the worker kept poor in the mill town, the coal town, and the field. Poverty was not a failing. It was a design — engineered, and then passed down as surely as any inheritance. And where the old walls came down, new ones rose out of paper: the score, the report, the file that launders yesterday’s exclusion into today’s objective number. We write this because those four amendments left a sentence unfinished. A people cannot be free in an economy that will not read them.

  1. Article IThe Right to Be Read. No person's reliability shall go unrecorded because the instrument was never built to see it. Rent met, savings grown, obligations kept, promises honored — this is evidence, and evidence shall not be discarded for arriving in the wrong form.
  2. Article IIThe Right to the Fruits of One's Labor. Whoever tills, tends, cleans, carries, cares, codes, or creates holds a rightful claim to what their work produces — to keep it, to grow it, and to leave it behind them. No person shall build wealth they may never hold.
  3. Article IIIThe Right to Own and to Inherit. Land, home, and capital shall not be reserved for those who began with them. Every person may acquire, hold in their own name, and pass down — so that a child inherits a foothold and not a debt.
  4. Article IVFreedom from the Secret Number. No person shall be sentenced by an arithmetic they cannot see, correct, or answer. The score, the report, and every instrument that dresses old exclusion as neutral measure shall hold no power to decide who eats, who is housed, who is hired, or who is believed. The line that redlined a neighborhood shall not be permitted to redline a life. What was built to exclude cannot be reformed into fairness — it must be answered by a truer record, one a person can see, carry, and correct.
  5. Article VThe Right to Be Vouched For. The people who carried the excluded when no institution would — family, chosen family, congregation, community — are a true economy, and their word shall count as evidence. No one shall have to stand alone in order to be believed.
  6. Article VIThe Right to Recover. A hard month is not a character. Debt shall not become a second bondage, and no season of hardship shall be entered against a person as a life sentence. The honest and the willing shall have room to fall behind and rise again, that no setback becomes an inheritance.
  7. Article VIIThe Right to Belong. This inclusion, once granted, shall not be sold, revoked, or turned against those it was meant to lift — of every color, origin, language, and faith. If you are here, you belong here, and what was taken shall, at last, be paid back.

Ratification. No Congress will pass this. It takes effect the way every real amendment finally did — when enough people act as though it already has: by keeping the record, by vouching for one another, and by refusing the verdict of a number that was never built to read a life. Signed, this day, by its people.

Be one of the first to sign

Add your name.

Your full name goes on the record.

What you’re signing up for

A signature is a pledge to the movement, not a contract. No spam. Your data is never sold — ever.

Membership funds the milestones.

Memberships fund the reward pool — the money that pays a Signer the moment they hit a milestone. What you get back is a record of your own: your name on the roll, on someone’s milestone, in the charter. Supporters sign the Amendment too.

Monthly

$9/mo

Supporter

For you

You're on the record.

Fund the pool that pays Signers when they hit a milestone — and start a record of your own.

  • Your name on the Supporter Roll — a sealed document, published quarterly
  • The Daily Signature: the same daily question Signers answer, with your own streak
  • The monthly Impact Letter — whose milestones your dollars paid
  • A vote in Community Amendments
  • First read on Teenth Press essays

Helps fund the reward pool · monthly · cancel or change tier anytime

Most needed
$29/mo

Advocate

Parents, teachers, coaches, advocates

Your name goes on someone else's record.

A parent, a teacher, a coach — the people who show up for a young person were always the real credit system. This puts that on the record.

  • Everything in Supporter
  • Your name on a Signer's milestone each month — their record reads “Ratified by you”
  • Your Ledger: a growing document of every milestone your money touched, sealed each year
  • Propose Community Amendments, not just vote on them
  • A quarterly letter from a Signer
  • The literacy curriculum for the young people in your life

Helps fund the reward pool · monthly · cancel or change tier anytime

$49/mo

Community Ally

Churches, nonprofits, employers, colleges

You bring your people onto the record.

Bring Teenth to a cohort of the people you already serve, and show your board what it did.

  • Everything in Advocate
  • Sponsor a cohort · your name on the Allies Wall
  • Org profile page + cohort onboarding kit
  • A privacy-safe cohort dashboard — aggregate only, never transactions
  • A quarterly impact report you can hand to your funder
  • Seats at the annual Convention

Helps fund the reward pool · monthly · cancel or change tier anytime

One-time, and permanent

Anyone can sign the Amendment, and everyone who does is on the record. These two are recorded differently: a thousand Founding Signers, a hundred Founding Members, and after that the lists close for good.

$99one-time

Founding Signer

1,000 seats, ever

You funded someone's first thirty days.

$25 of your seat pays a Signer's First Thirty — the first thirty days they met every obligation on time, and the first time the system visibly worked for them.

1000 of 1000 seats left

  • You are a Founding Signer of The Teenth Project — permanently, on the Founding Charter
  • A numbered seat, 1 to 1,000
  • A sealed, numbered certificate — yours to print
  • You're told whose First Thirty your $25 paid for
  • First to hear if a community investment round ever opens

One-time · this purchases no security, share, or ownership

$500one-time

Founding Member

100 seats, ever

You funded two people's ratification.

$200 of your seat pays two Signers' Ratification — accounts connected, five people who vouched for them, $100 each. The moment a record stops being private and becomes witnessed.

100 of 100 seats left

  • You are a Founding Member of The Teenth Project — permanently, on the Founding Charter
  • One of only 100 seats, ever
  • Everything a Founding Signer receives
  • Your two Signers' Ratification stories, told to you first
  • First to hear if a community investment round ever opens

One-time · this purchases no security, share, or ownership

For organisations

$10,000 and up · Organisations, companies, foundations

Founding Partner

Your name on a community's record, permanently.

A Founding Partner is matched with a 501(c)(3) — a school, a nonprofit, a congregation, a workforce program — and underwrites a reward pool reserved for that organisation's own members, plus the programming that gets them started.

Arrange a conversation
  • Recognised as a Founding Partner of The Teenth Project — permanently, and by name
  • Matched with a 501(c)(3) partner whose members your pool serves
  • Your gift goes directly to that 501(c)(3), not to Teenth
  • A dedicated reward pool and onboarding for that organisation's members
  • Named on every milestone it funds — “Ratified by ___”
  • A yearly report you can hand to your board

A membership purchases no security, share, or ownership in The Teenth Project, and is not a tax-deductible donation. A Founding Partner gift is made directly to the matched 501(c)(3) and its deductibility is a matter between the partner and that organisation.

Your record is waiting to be written.

Start an account, build your Circle, set what you are working toward. No bank required to begin, and nothing you do here is ever sold or sent to a credit bureau.