Join the waitlist
A young woman in soft light, looking directly ahead

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

Credit decided about you before you started, and it only writes down what goes wrong. Teenth writes down the rest — the rent you already pay, the savings you already grow, the people who already vouch for you.

Join the waitlistSee Maya’s Score
A young Black man lit from above, looking upward with resolve

You belong here

From counted out
to counted in.

They decided you were a risk before you’d done anything at all.

Not after you missed something — before. A file was opened on you, and the thing that fills it only writes down what goes wrong. Nine years of rent, on the first, every month: nothing. One late notice: everything. Then you pay for that decision every month afterwards — a higher rate on the car you need to get to work, a higher premium on insurance you’re required to carry, a fee to touch your own money before Friday.

You were never the risk. You were never even read.
Why this exists — the whole argument

This is what being read looks like.

A rent payment, a record nobody was keeping, and the moment it finally counts for something.

The whole path, and where it is today.

  1. 01

    See how it works

    Open now

    Walk the whole app as Maya, a fictional account, before you give us anything.

  2. 02

    Create your account

    Open now

    Name and email. You are on the record from that moment — no bank, no credit check, no fee.

  3. 03

    Sign in daily

    Open now

    One financial-literacy question a day. Showing up is itself a reliability signal, and it builds your streak.

  4. 04

    Build your Circle

    Open now

    Let in the people who already stand near you — family, chosen family, a coach, a pastor. Some of them will vouch for you, and being in your Circle counts on its own.

  5. 05

    Earn your first $25

    Open now

    Five people verified in your Circle, and thirty days of signing. Real money, paid against a real bill.

  6. 06

    Work toward your Teenth Token

    Open now

    Sixteen milestones, sixteen pieces. Earning it opens offers and opportunities that are not otherwise on the table.

  7. 07

    Take an offer that helps

    Open now

    Checked before we pass it along — money back in your pocket, an opportunity, or help when you need it.

  8. 08

    Finish a mini course

    Open now

    Short, plain, and about your actual money. Completing one counts on your record.

  9. 09

    Claim your card and member number

    Open now

    Your member number is the order you joined, and it is yours from today. The physical card comes later.

  10. 10

    Post an update

    Open now

    Tell your Circle what is going on — an accomplishment, a setback, a plan. Communicating is part of being reliable.

  11. 11

    Sign the Economic Inclusion Amendment

    Open now

    Be counted on the amendment that was never written — the right to be economically free of oppressive financial practice.

  12. 12

    Back the movement

    Open now

    Teenth is free and always will be. Membership is how the reward pool gets funded — and it is optional, always.

Bring your members on

Open now

Churches, nonprofits, employers and colleges can register and onboard the people they already serve.

Register your organization

Coming before Beta — not available yet

  • Connect your bank — Through Plaid, read-only — Teenth can never move a dollar. This is what turns the Score on.
  • Your live Teenth Score — Bills found automatically, five weighted inputs, recomputed weekly and every point explained. You can see an example today.
  • Bill payment and Pay at Your Pace — Split a bill to your real pay rhythm, and let your Circle contribute straight to the biller instead of to your pocket.
  • Micro-raises — Raise up to $1,000 for one specific thing, with everyone able to see exactly where it went.
  • Sherman, in full — The intelligence layer that reads your money and tells you the thing worth knowing — not a chatbot, and never a salesman.

Teenth is preparing for Beta. Teenth reads; it never moves your money, and nothing above is open today.

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.
See exactly how the Score is built
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.

Join the waitlist
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.

Nothing about you changes. It just finally gets written down.

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. Liberty that cannot be inherited is not liberty. It is a loan, called in every generation.

  1. Section 1. The right of the people to acquire, to hold, and to transmit property and credit shall not be denied or abridged by the United States, by any State, or by any person or institution acting under color of law or license, on account of race, color, national origin, sex, religion, disability, or the condition of one's birth.
  2. Section 2. No person shall be denied credit, housing, employment, or insurance by operation of a score, model, or classification whose method is withheld from them. Every such instrument shall be open to inspection and to correction by the person it judges, and none shall be immune from challenge on the ground that its verdict was reached by calculation.
  3. Section 3. Payment lawfully made shall be recorded with the same diligence as payment missed. No system of credit or reporting shall enter a default against a person while declining to enter, in the same ledger and to the same effect, the years in which the obligation was met.
  4. Section 4. No law, program, or public benefit conferring economic advantage shall exclude a class of labor by occupation, tenure, or status, nor shall its administration be delegated to any authority free to grant it to one applicant and withhold it from another upon grounds it need not state.
  5. Section 5. Property lawfully acquired shall not be taken, destroyed, or rendered worthless by public action, nor by private violence the State declines to answer; and where such a taking is shown upon the record, no lapse of time shall bar the remedy.
  6. Section 6. No debt shall be enforced by any means that converts an obligation into servitude, and no person shall be imprisoned, nor have their labor, license, or liberty of movement withheld, for want of money alone. No delinquency, discharge, or season of hardship shall stand against a person in perpetuity, nor shall poverty be admitted as evidence of character.
  7. Section 7. Congress shall have power to enforce this article by appropriate legislation.

Ratification. No Congress will pass this. It takes effect the way every amendment on this list finally did — years after enough people stopped treating what was legal as though it were also just, and said so where it could be counted. 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.

Teenth is free. Always.

This is not an app. It’s a movement.

Joining Teenth costs nothing, and always will. Membership is a different thing: it is how the reward pool gets funded — the money that actually reaches a person the moment they hit a milestone — and how this gets built before anyone else decides it is worth building.

We ask members to stay a year. It is a request, not a contract — you can cancel or change tier whenever you like. We ask because the work this pays for does not happen in three-month pieces.

What you get back is a record of your own: your name on the roll, on the milestone your money paid for, in the charter. Signing the Amendment is free too.

Monthly

$9/mo

Supporter

For the individual who backs this

You're on the record.

Teenth is free for you. Membership is for when you want to carry someone else — refer them, cover them on a hard day, help fund the work itself.

  • Microraise up to $2,000 (next release)
  • Earn points by referring people, organizations, and donors
  • Send a streak freeze or a penalty-free late to someone you're connected to
  • Your name on the member roll
  • A vote on the monthly winners of incentives and prizes

We ask for a year · billed monthly · cancel or change tier anytime

Most needed
$29/mo

Advocate

For the coach, the teacher, the person running a program

Your name goes on someone else's record.

You're not an organization, but you bring a group of people with you — a team, a class, a congregation. This is built for that.

  • Everything in Supporter
  • A member page — your resources, your links, your people gathered in one place (next release)
  • An invitation to meet the founder, and a voice on the issues The Teenth Project takes on
  • Monthly reports, and the inside view of where the organization is

We ask for a year · billed monthly · cancel or change tier anytime

$99/mo

Community Ally

Churches, nonprofits, employers, colleges

You bring your people onto the record.

For organizations serving people directly — bring Teenth to your cohort, and show your board what it did.

  • Everything in Advocate
  • Microraise up to $5,000 (next release)
  • Official onboarding for your members and your donors
  • Events for your organization and its support network
  • Phone support
  • Featured on teenth.app, with a link to your organization
  • Featured in the newsletter and on social, for the work you're doing
  • A cohort dashboard — analytics and insights, aggregate only, never transactions

We ask for a year · billed 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 Charter Members, and after that the lists close for good.

$99one-time

Founding Signer

1,000 seats, ever

You funded someone's first thirty days.

Founding Signers are how the first members get paid. This is not a symbolic tier — it is the plan for funding the people who arrive first. $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.

  • You are a Founding Signer of The Teenth Project, permanently
  • Your seat is attached to one member's record — a specific person, for good
  • A numbered seat, 1 to 1,000
  • A sealed, numbered certificate — yours to print
  • You're told whose First Thirty your $25 paid for

One-time · personal and non-transferable · this purchases no security, share, or ownership

$500one-time

Founding Charter Member

100 seats, ever

You help write what this becomes.

$200 of your seat pays two people the hundred dollars that lands when their record is first witnessed — accounts connected, five people who vouched for them. The rest of what a Charter Member does is not financial: one hundred people get a hand in what Teenth becomes, and then the list closes.

  • A charter signed by Teenth's founder, with your name on it — the same charter that ships with every credential we issue
  • Recognition on teenth.app, by name
  • A vote on the features and programs Teenth builds next
  • A quarterly call with the founder and the other Charter Members
  • A hand in the final wording of the Economic Inclusion Amendment — the document itself, not a survey about it
  • First look at what is being built, before it ships
  • The story of both people your seat paid for, told to you before anyone else
  • One of only 100 seats, ever

One-time · personal and non-transferable · this purchases no security, share, or ownership

For organizations

$10,000 and up · Organizations, 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 organization's own members, plus the programming that gets them started.

Arrange a conversation
  • Recognized as a Founding Partner of The Teenth Project — permanently, and by name
  • Matched with a 501(c)(3) partner whose members your pool serves
  • A dedicated reward pool and onboarding for that organization's members
  • Named on every milestone your pool funds

A membership purchases no security, share, or ownership in The Teenth Project, and is not a tax-deductible donation. Founding Partner terms, including how a gift is structured and whether any part of it is deductible, are agreed with each partner and their matched organization.

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.

Join the waitlistOr support the work