Your HOA’s money, governed by your bylaws.
Bylaw Ledger is a financial platform for self-managed Florida HOAs. The treasury enforces the budget your community already voted on — automatically, transparently, on-chain.
Self-managed HOAs run on trust and spreadsheets. That’s the problem.
Spending happens in the dark.
Receipts get lost. Reimbursements drag. Residents don’t see decisions until the next meeting.
Bylaws don’t enforce themselves.
The rules are in a PDF. The spending is in a checking account. Nothing connects them.
Boards turn over.
The next treasurer inherits whatever the last one left behind — often not much.
The budget becomes the rule. The treasury becomes the ledger.
- 1
Encode the budget.
Your approved annual budget — operating categories, reserves, voting thresholds — becomes the configuration the platform enforces.
- 2
Hold the treasury on-chain.
Funds sit in a smart contract as USDC, a stable digital dollar pegged 1:1 to USD. The board controls spending; the rules control the board.
- 3
Spend with guardrails.
Routine expenses move quickly. Unusual or large ones route to the right approval path automatically. Every transaction is logged.
- 4
Residents can see it.
Treasury balance, recent transactions, and category-level spend are visible to residents in plain language.
Built for the people doing the work.
Treasurers stop chasing receipts. Presidents stop worrying about who signed what. Secretaries stop reconstructing meeting minutes from memory. The platform handles the paper trail so the board can handle the community.
- Spending classifications: Foreseen, Unforeseen, Emergency, Reserve Draw.
- Automatic audit trail — every transaction recorded, every approval logged.
- Role-based permissions for treasurer, president, secretary, and members.
- Clean board turnover handoff: the next treasurer inherits a complete ledger.
- Florida-specific compliance support, designed around Chapter 720.
Transparency without a FOIA request.
Residents see the treasury balance, recent transactions, and how categories are tracking against the approved budget. Not a wall of crypto jargon — a clear view of community money.
Residents see transaction history and treasury balance — in plain language.
A better tool for the HOAs you serve.
For managers of small self-managed communities: cleaner books, faster reconciliations, fewer board calls about missing receipts. Spend less time stitching statements together, more time on the work that actually moves the community forward.
We’re pre-launch. Here’s what that means.
- Florida-first. Built around Florida statute (Chapter 720) before anywhere else.
- Pilot HOAs in 2026. We’re talking to a small number of communities to onboard first. Waitlist gets early access.
- Security audit before mainnet. The smart contracts will be third-party audited before any HOA’s money touches them.
Questions, answered plainly.
A bank account whose rules are written in code instead of enforced by a person. The rules come from your bylaws and budget.
Get on the list.
Pilot HOAs in 2026. Early-access pricing for waitlist members.