The Case for a Family Bank

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Some of the wealthiest families run an internal bank. The idea is more accessible than it sounds.

A family bank is simply a deliberate structure for lending within a family: shared principles for who can borrow, on what terms, and how repayment works. It keeps interest in the family, teaches financial discipline, and turns ad-hoc requests into a coherent system.

Historically this required lawyers, trustees, and administration few families could sustain. Software collapses that overhead - letting any family run something that looks and behaves like an internal bank, with the documentation and rigor that used to be reserved for the ultra-wealthy.