Open Net Worth
Open Net Worth is an open-source personal AI wealth assistant you run yourself: one ledger for your whole financial life, worked by an AI agent you control.
Your phone, any hardware wallet and a guardian on your own Umbrel, Start9 or Docker box. Any two keys move your money. Open source, pre-alpha, not audited.
FinanceGitHub @TheIcarusWingsOnlineOwner unconfirmed
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Read the full README ↗A 2-of-3 bitcoin wallet that feels like Bitkey, with no company holding a key. Website: trikey.app.
| Key | Where it lives | Used for |
|---|---|---|
| 1 | Any hardware wallet (Ledger, Trezor, Coldcard, BitBox, Jade…) | Big payments, changing rules, recovery |
| 2 | Your phone, backed up to your own cloud | Everyday payments |
| 3 | Trikey Guardian on your own Umbrel or Start9, or on plain Docker (packaging/compose: a Mac, a PC, Linux, a NAS) | Co-signs phone payments under a daily limit; runs a 7-day Delay & Notify recovery |
Any two keys move money. The guardian only co-signs what its rules allow, it talks to your phone over encrypted nostr relays, and it never opens a port on your home network.
No home server? Recovery Key mode keeps key 3 offline (a printed kit or a second hardware wallet) and gives the phone a small spending balance refilled by pre-signed, timelocked refills.
Status: pre-alpha. Not audited. Use testnet, signet or regtest. The app also offers mainnet in guardian mode, behind a warning, for testing at your own risk with an amount you can afford to lose; Recovery Key mode is test networks only.
wsh(sortedmulti(2, …)) descriptors on BIP48 paths, so any
multisig-capable wallet can recover them without Trikey.The full design, threat model and open questions are in DESIGN.md. What stands between this alpha and a beta: docs/beta-checklist.md.
The guardian (key 3):
https://github.com/TheIcarusWings/trikey-umbrel-store (App Store, ⋯, Community
App Stores), then install Trikey Guardian. Each release pins the image by its digest.trikey-guardian-compose.yml attached to each
release, which pins the image by its digest
(packaging/compose/README.md).The image is reproducible: packaging/VERIFY.md shows how to rebuild it and get the same digest.
The app (key 2):
trikey-alpha-v<version>.apk, app.trikey.wallet): the standard build, with Google's libraries.trikey-alpha-foss-v<version>.apk, app.trikey.wallet.foss): no Google code, for phones without
Google Play services.Both Android apps can be on one phone, each with its own wallet. Had the no-Google APK of 0.1.21-alpha or earlier? It was the same app as Trikey, so the new Trikey FOSS installs next to it and starts empty: restore your backup file and recovery code in it, then uninstall the old one (how). Want to help test? Start with docs/testers.md; the full steps are in docs/alpha-test-plan.md.
| Path | What it is |
|---|---|
packages/core | Descriptors, BIP48 2-of-3 wallets, PSBT building and checks |
packages/wallet | The phone's wallet logic: pairing, payments, recovery, hardware wallets, backups |
packages/protocol | Nostr RPC between the phone and the guardian |
packages/recovery-key | Recovery Key mode (key 3 offline, pre-signed refills) |
packages/silent-payments | Silent payments (BIP 352) |
apps/guardian | The guardian service |
apps/guardian-web | The guardian's web UI |
apps/mobile | The React Native app (iOS and Android) |
packaging/ | Docker image, Umbrel app, Start9 package, and Docker Compose for everything else (packaging/compose/) |
tools/consensus-verify | Checks transactions with Bitcoin Core's script verifier |
e2e/ | End-to-end tests against regtest bitcoind and Electrs |
docs/, site/ | Design notes and guides; the website |
Node.js 22 (.nvmrc):
npm install
npm run typecheck
npm test
See CONTRIBUTING.md. Report security issues privately as described in SECURITY.md.
Trikey has no company behind it. It's an open source project (MIT), built in public. Donations pay for one thing: the Google Play and Apple developer accounts, so people can install Trikey from the stores like any other app. On-chain donations go to one public bitcoin address, so anyone can see what comes in: they are public.
bc1qktf58cunadszkd2hq8uttrtezcm7nj3mwurw2z
Small amounts can also go over Lightning, to the founder's own Lightning address [email protected], or as zaps to Trikey on nostr and
Zapstore. Lightning donations are not public: nobody can see what comes in.
Please read before donating: you get nothing in return. There are no guarantees: you're trusting the founder to spend it on the project. Treat it as money you've lost, and only give what you'd be fine never seeing again.