BWOS
Private. Family-first. AI-native.

The wealth operating system for your family.

BWOS unifies your assets, liabilities, cash flow, tax and estate planning into one command center — with a private AI advisor that knows your full picture.

Free to start · One household per account · Invite family as viewers

How it works

01
Sign up as admin
Create your account and your private family hub. You're the owner.
02
Add your wealth
Holdings, properties, liabilities, cash flow — all in one ledger.
03
Invite your family
Bring members in as viewers via email or shareable invite link.

One ledger. Every angle.

Holdings & alternatives
Public markets, private equity, crypto and collectibles — tracked in real terms.
Properties & liabilities
Mortgages, real estate and debt netted against assets in one balance sheet.
Cash flow intelligence
Income, outflows and runway, projected forward by your private AI advisor.
Estate & family
Members, beneficiaries and succession — documented in one secure place.

Questions & answers

NewBWOS Academy

Learn Finance — interactive quizzes & progress tracking

A new educational hub teaching modern finance, blockchain, crypto, stocks, real estate, investing, savings, and financial literacy — with module quizzes, instant explanations, and lesson-by-lesson progress.

Security & privacy

Your data. Your ownership.

We believe families should control their own financial information. BWOS is built on a privacy-first architecture that keeps your household data isolated, encrypted, and exclusively yours.

End-to-end encryption
All data is encrypted in transit and at rest. We use industry-standard TLS and database-level encryption so your financial details are unreadable to anyone without authorization.
Isolated by household
Every household operates in its own silo with Row-Level Security (RLS). Other households — and our team — cannot access your ledger, assets, or conversations.
No AI model training
Your data is never used to train third-party AI models. Our advisor operates within your private environment and does not share or retain information outside your account.
Full control & deletion
You own your data and can export it anytime. Deleting your household permanently removes all records — we do not keep copies after you leave.
Support the project

Keep BWOS alive. Donate crypto.

BWOS is free and open. If you find it valuable, a small donation goes directly toward hosting, security audits, and new features.

Bitcoin
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Ethereum
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Solana
FDaoTerzUAAzV1AbrG4Hdz55ecSsDsaEbCFpRF5gVt5m
BNB Smart Chain
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Your family's wealth, clarified.

Spin up your private hub in under a minute.

Get started →