Tijori

The problem.

Think of a woman you know. A mother, an aunt, a neighbour.

She does everything for everyone. School fees. Medicine. Food. Someone else's wedding.

And nothing for herself... not because she does not want to. Ask her what she wants and she has an answer. It never happens because her money does not sit in her account. It sits in a shared one. Her name may be on it, but so is someone else's.

A shared account means shared money. So her ₹200 becomes the family's ₹200. Nobody stole it. That is simply what a shared pot does. 4.93 crore Jan Dhan accounts belonging to women sit unused for exactly this reason. She does not need a lesson about money. She needs a pot nobody else can reach into.

What we built. Tijori... She talks, it talks back, in Hindi, with no forms and no reading. It keeps one savings pot and one goal, works out what a new goal costs when she changes her mind, and teaches her what interest is using her own numbers. When she asks to withdraw, it asks what the money is for and gives its honest view.. emergencies comes before any goal, then leaves the decision to her. A second PIN opens a plain-looking screen with almost nothing on it.

Our goal. Not to teach her about money. To give her one pot that is only hers, while everything else in her house stays exactly the same.