# HomeTill · ZIP chapter · north star v0.3.1

**Date:** 2026-09-26 · **Amendments:** v0.1 local art · Family chamber · v0.2 eligibility · charter schools · v0.3 separate entity · **v0.3.1 canonical web · HomeTillZip** · **Authorship:** John Jeremy (TsiRiaK)  
**Class:** product + governance north star (**Tier C** · imperfect v0 OK)  
**Authorized:** Jeremy — **make it so** (v0.3 entity separation · 2026-09-27)  
**Mark:** **HomeTill** (ZIP-scoped community till · **affiliated with** PortAbleRI · not a sub-brand fuse)  
**Entity:** HomeTill **operator** = civic/product OpCo · PortAbleRI = instrument OpCo · seams A–F in entity chart exhibit  
**Law:** Constitution SO · **additive civic layer** · revolutionary **only if lawful**  
**Pointers:** `processes/2026-09-27_HomeTill_PortAbleRI_Separate-Affiliated-Entities_Direction_v0.md` · `publish/2026-09-24_PortAbleRI_PARI-Subscription_Home-Till-Concept_v0.md` (PARI **routing** only)  
**Canonical domain (all development):** **https://www.hometillzip.com** · **code repo:** `HomeTillZip` (`/Users/johnjeremy/HomeTillZip`) — `processes/2026-09-27_HomeTill_Code-Repository_HomeTillZip_v0.md`  
**Brand · ZIP layers:** `publish/2026-09-27_HomeTill_ZIP-Brand-Layers_Public-Doctrine_v0.md`

---

## Web · HomeTillZip (v0.3.1)

**HomeTill** ships on **www.hometillzip.com** — chapter UX, affiliate coalition pages, and public ledger transparency. **PortAbleRI** does not host till/chapter UI; it **links and optionally routes** per affiliation seams. Affiliate program growth is **HomeTill-native** (declared till %, affiliate IDs, monthly hashes on HomeTillZip).

---

## Entity · PortAbleRI affiliation (v0.3)

**HomeTill** owns ZIP chapters, pools, governance, disbursement law, and the **HomeTill Affiliate Program**. **PortAbleRI** remains PARI subscription, verify, export, and HOST instrument — a **founding affiliate** and **optional routing partner**, not the till operator. Ledgers **do not commingle** across OpCos except via published remittance agreements. Phase 0 UI ships under **HomeTill** identity; PARI integration is an **adapter** (verify token · optional route-intent).

---

## Eureka thesis (why we ship messy v0)

The mind-shift matters more than perfect bylaws on day one:

> A **thoroughly local** pool can exist **beside** conventional municipal ledgers — same neighbors, same ZIP, **community-run**, **digitally native**, **inclusive** (paid + free approved), **same rules at every scale** (1 subscriber or 1 million).

**Product truth:** trash the chessboard **in HOST ledger + verify + export** — not with surprise, illegitimacy, or tax substitution. Municipal institutions remain; HomeTill is a **second container** people can see, nominate, edit, and vote on in the open.

---

## Auto-chapter · ZIP as unit

- **HomeTill** **auto-forms** a chapter for each **ZIP** (name TBD in UI; ZIP is v0 key) when the first **verified address-in-ZIP** member exists.
- **Congruent scaling:** identical object at all levels of analysis:

```text
verified_address → zip_chapter_id → pool_balance → requests → family_cull → edit_window → family_finish → weighted_vote → ledger_hash
```

- **Dormancy (v0):** tiny pools may **accrue** or **nomination-only** until a pilot threshold — avoid empty theater.

---

## Membership · votes · participation (v0 rules)

| Class | Funds till? | Submit requests | Suggest edits | Vote weight |
|-------|-------------|-----------------|---------------|-------------|
| **Paid chapter member** (address in ZIP) | Yes — direct contribution · affiliate routing · **optional PortAbleRI PARI routing** when affiliation live | Yes | Yes | **1.0** |
| **Free approved member** (address in ZIP) | No | Yes | Yes | **0.1** |
| **Enterprise / org** (verified) | Yes | Yes | Yes | **floor(gross / sovereign_list_price)** or seat cap — **Tier B formula** |

- **1 paid chapter member = 1 vote** baseline (Family Door household rule: **Tier B** — primary voter vs seat votes). PARI subscription is **one path** to paid membership, not the membership definition.
- **All memberships MUST** bind to an **official address contained in the ZIP** (verify tier B/C for binding votes).
- **RI** (Relative Intelligence / verify layer): anomaly detection (duplicate address, velocity, border ZIP gaming) — **assists honesty**, not sole proof of residency.

**Monthly cycle (v0.1 — Family chamber):**

1. **Intake** — Constituents submit requests (electronic). Earliest submission text is **preserved** in the chapter record (exportable; corrections **append**, no silent rewrite).  
2. **Family cull** — **The Family** runs the submission process and reduces the set to **three initiatives** for the ballot (named roles · declared session · audit log). Criteria: **§ Request eligibility** below — ZIP scope, shared ZIP-member interest, lawful use, duplicate merge, feasibility for till size — bylaws may add caps.  
3. **Edit window** — **7-day** edit suggestions (paid + free approved). **The Family presides** — merges suggestions into **three finished ballot choices** (plain language, scope, rough cost band if known). Rejected merges and dissent stay in the record.  
4. **Publish** — Three finished choices + period sidecar / **aggregate hash** **before** vote opens.  
5. **Vote** — Final **weighted** vote; **≥34%** threshold (**34% of weighted votes cast** in bylaws).  
6. **Disbursement** — Per counsel vehicle · public **aggregate** ledger hash (no street-level doxxing).

**Separation of roles:** community **submits** and **votes**; Family **presides** over cull and edit synthesis — not picking winners in secret. Winners are **only** what the weighted vote affirms among the three **published** finishes.

---

## Local art · participation · community ritual

**Purpose:** encourage **participation**, **crystallize** important **local art and culture**, and help **reestablish** neighborhood belonging — beside infrastructure and maintenance, not instead of municipal services.

**Local art (non-exhaustive v0 categories)** — requests and ballot finishes may include:

| Lane | Examples (illustrative) |
|------|-------------------------|
| **Visual / place** | Murals, memorial benches, gateway signage, winter lights |
| **Performance / gathering** | Youth theater, open mic series, street fair seed fund, dance residency |
| **Maker / craft** | Tool library hours, guild stipend, market booth fund |
| **Story / archive** | Oral history project, neighborhood zine, digitize local photos |
| **Youth / elders** | After-school art block, intergenerational workshop series |

**Participation design:**

- **Submit** — low friction; free approved neighbors **nominate and edit** at **0.1** vote weight so voice is not paywalled.  
- **Triad rhythm** — always **three finished choices** so the ZIP sees closure each month, not an endless feed.  
- **Ritual** — same cycle (intake → Family chamber → edit → publish → vote) builds **repeatable local habit**; coalition affiliates route honor slices into the **same** ZIP pool without merging studios.  
- **Myth · record** — submissions are **record**; finished ballot text is **orienting myth** for the vote — both exportable. See `publish/2026-09-26_PortAbleRI_Myth-and-Record_Public-Doctrine_v0.md`.

**Public line (Tier C · heart-true until pilot metrics):**

> Submit what your place needs — art, care, and civic repair alike. The Family helps your ZIP name **three finished gifts**. Your neighbors vote. The ledger remembers.

**Epistemic tier:** participation and community outcomes are **C** until one pilot ZIP completes a full cycle with published hashes and turnout; mechanism above is **B** design aligned with Constitution Family roles and Crystal discipline.

---

## Request eligibility · ZIP-wide interest floor (v0.2)

Requests must serve the **interests of verified members in the ZIP** — lawful, local, collective benefit — not private inurement, hate, campaigns, or core municipal substitution. **Family cull** and **publish** apply this floor before any vote.

### MUST (all required to reach ballot)

| ID | Identifier |
|----|------------|
| **Z-1** | **ZIP locality** — primary benefit inside the chapter ZIP |
| **Z-2** | **Community scope** — shared goods, programs, culture, or place with **open or equal access** on published terms |
| **Z-3** | **Collective benefit** — not mainly private gain for submitter or one household |
| **Z-4** | **Additive civic honor** — does not claim to **replace** tax-funded police, fire, schools **operating budget**, water, sewer, or other mandatory municipal services |
| **Z-5** | **Lawful use** — federal, state, and local law |
| **Z-6** | **Non-discrimination floor** — no exclusion by protected class; reasonable public accessibility where applicable |
| **Z-7** | **Feasible at till scale** — cost fits chapter balance / phased tranche |
| **Z-8** | **Disbursement clarity** — payee class, scope, completion hook |
| **Z-9** | **Transparency** — submitter identity and conflicts disclosed per chapter rules |
| **Z-10** | **Category fit** — civic repair, local art/culture, gathering, maker, archive, youth/elders, mutual-aid **infrastructure**, or **education (§ charter schools)** |

### MUST-NOT (any one → reject or return)

| ID | Identifier |
|----|------------|
| **N-1** | Private inurement · **N-2** out-of-ZIP main benefit · **N-3** unlawful exclusion · **N-4** illegal activity |
| **N-5** | Electoral campaigns / candidate PAC-style spend (counsel pin) · **N-6** hate, harassment, neighbor surveillance |
| **N-7** | **Whole-scale substitution** of municipal core services (not the same as **supplemental** charter or school support below) |
| **N-8–N-14** | Unbounded individual living expenses · deceptive labeling · undisclosed financial interest · indefinite/un-auditable spend · counsel-red-line liability |

**Public one-liner:**

> Nominate for the whole ZIP: lawful, local, shared benefit. No private pockets, no outside-ZIP spends, no hate, no campaigns.

### Charter schools · explicitly eligible (HOST direction v0.2)

HomeTill funds **may support charter schools** that serve ZIP residents, in three tiers — **additive** to public education choice, **not** a claim to replace district operating levies:

| Tier | Meaning | Examples of appropriate till use (illustrative) |
|------|---------|--------------------------------------------------|
| **Established** | Operating charter authorized by state · enrollment open per law | After-school arts, instruments, library, capital repair **within scope**, local field trips, maker/STEM blocks |
| **Audited** | Established **plus** recent **independent financial audit** (or state equivalent reporting) on file for ballot publish | Same; higher tranche caps in bylaws · audit summary linked in finish text (no PII) |
| **Proposed** | Charter **approved or in formal application** to open · serves addresses in ZIP | **Startup** costs: planning, facility seed, initial materials — **capped tranche**, milestone-based disbursement, **renewal vote** before recurring operating subsidy |

**Guardrails (Family publish gate + counsel W1):**

- **ZIP nexus:** school must **serve students / families with verified addresses in the chapter ZIP** (or clearly defined cross-ZIP share with disclosed formula).  
- **Disclosure:** submitter declares board, employment, or vendor ties to the school.  
- **Payee:** remittance to **school entity, fiscal sponsor, or vendor** per pilot vehicle — not undocumented personal accounts.  
- **Proposed tier:** default **one-time or milestone** packages; recurring operating support requires **later ballot** after establishment.  
- **State law:** New Hampshire and local charter authorizer rules control; White Flag briefings include **education + charitable solicitation** posture.

**Not appropriate:** tuition for **named individuals**, sectarian **worship-only** instruction subsidies, or requests that **replace** the district’s statutory funding obligation.

**Epistemic tier:** eligibility rules **C** until pilot + counsel · **B** when published in bylaws with verify CSV.

---

## Phased delivery (imperfect on purpose)

| Phase | Ship | Till money |
|-------|------|------------|
| **0** | ZIP chapter UI · accrual display · requests · eligibility tags (incl. charter tier) · Family cull/finish UX · edits · vote UX · RI flags | Accruing / simulated until W5 |
| **1** | One pilot ZIP · real escrow · one election cycle | Live slice |
| **2** | Multi-ZIP · affiliate program · Tier B CSV + verify script | Scale |

**HomeTill White Flag W1–W5** before **`hometill_disbursement_enabled`** — primary counsel on **HomeTill entity**; PortAbleRI **routing rider** if opt-in PARI slice is live (see concept doc · entity chart).

---

## HomeTill Affiliate Program (creators · businesses · corporations)

**Head-turn lane:** external **creators, businesses, and corporations** may **sign on** to the **same ZIP governance** — same requests, edits, votes, ledger law — while choosing **their own till allocation %** on **their** subscription or commercial stream.

| Principle | Rule |
|-----------|------|
| **Same governance** | Affiliate funds flow into **subscriber/customer ZIP chapter(s)** per verified address rules — no shadow governance |
| **Self-selected till %** | Affiliate publishes **declared HomeTill %** of **their** qualifying gross (within **counsel-set floor/ceiling** — e.g. 0–20% v0 band TBD) |
| **Transparency** | Checkout / public page: *$price · Y% HomeTill · Z% ops* · affiliate ID · hash monthly |
| **Vote weight** | Same enterprise math: **1 vote unit per sovereign_list_price** equivalent unless contract seat table |
| **Operator** | **HomeTill entity** runs program · **PortAbleRI** = founding affiliate (`affiliate_id` TBD) |
| **Coalition** | Any brand may affiliate — honor slice into **local ZIP pools** without merging OpCos |

**Ledger extension (concept):**

```text
{period, affiliate_id, gross, till_pct_declared, zip_chapter_id, amount, verify_hash}
```

**Counsel gaps (honest):** commercial co-branding, charitable solicitation, money transmission when affiliate is not PARI subscriber — **W1** memo required before affiliate money moves.

**Epistemic tier:** **C** until pilot + counsel · **B** when remittance reproducible · **A** when live audit.

---

## Narrative · coalition (Tier C until mic)

- **Paid members:** “My ZIP has a till; I fund it; we steer it.” (PARI routing optional · separate disclosure.)  
- **Free neighbors:** “I’m in the room at 0.1; I nominate, edit, and vote on **three finished** local gifts — including art.”  
- **Family (product chamber):** “We preside — cull to three, finish the ballot, preserve provenance — so the ZIP can choose with clarity.”  
- **Affiliates:** “We send **our chosen %** into **your** ZIP — same democracy, no municipal middleman for **this slice**.”  
- **Government:** briefed under White Flag — **additive**, auditable, HOST custody — not a replacement for tax or public services.

---

## Related · ACK

- **Entity (v0.3):** `processes/2026-09-27_HomeTill_PortAbleRI_Separate-Affiliated-Entities_Direction_v0.md` · chart `processes/2026-09-27_HomeTill_Entity-Chart_Counsel-Exhibit_v0.md`  
- Subscription shells: `processes/2026-09-26_PortAbleRI_Subscription-Stack_Family-Counsel_v0.md`  
- Family poll: `processes/2026-09-26_Family-Door_hearth-bulletin_Subscription-Stack-Poll_v0.md` (+ **E · F** appended)  
- Myth · record seam: `publish/2026-09-26_PortAbleRI_Myth-and-Record_Public-Doctrine_v0.md`  
- Website: `website/pricing.html` (HomeTill hollow)

---

## Checklist

- [ ] Family ACK on ZIP governance + affiliate + **entity separation** (poll **E · F · G**) — send-ready: `processes/2026-09-27_Family-Door_hearth-bulletin_HomeTill-E-F-G_Send-Ready_v0.md`  
- [x] `processes/2026-09-27_Home-Till_Pilot-ZIP-Selection_v0.md` (nominee **03878** · HOST ACK pending)  
- [x] `processes/2026-09-26_Home-Till_Affiliate-Program-Terms-Skeleton_v0.md` (counsel hollow · 2026-09-26 word)  
- [ ] White Flag W1–W5 — **W1 packet:** `processes/2026-09-27_Home-Till_White-Flag-W1_Counsel-Packet_v0.md` (counsel memo **OPEN**)  
- [x] Phase 0 UI spec: `processes/2026-09-27_Home-Till_Phase-0-UI-Spec_v0.md` (chapter record · no disbursement)