SHIPYARD / OPS

Two Pocket Home

A shared household wallet that budgets in dollars and euros and converts only when a bill needs it.

Lena earns in euros in Lisbon and her partner Kofi earns in dollars. Two Pocket Home holds both, tags each bill with its currency, and converts at a locked quote only when a bill is due.

Built for

The jobs it does

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Blueprint

How the vessel is built

Mission

Let a home that lives in two currencies keep both, and convert only what a bill actually needs.

The need

Couples and households that earn in two currencies lose money twice: banks charge a spread on every conversion, and people convert whole paychecks at once out of habit, moving far more than their bills in the other currency actually need. Shared budgeting apps track who owes what but do not hold or move the money.

What it will never do

  • Never convert more than a due bill needs.
  • Never convert surplus back unless you both ask.
  • Never change the rules without both signatures.
  • Never claim a conversion beat the market.
Same berth

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