The covenant.

These rules are not preferences. They are the design logic of Atlas Sanctum. Joining is accepting them.

1. 01
   No Hidden Systems

   All money flows are visible. Pool composition, ledger entries, repayment progress — observable by every member at all times.
2. 02
   No Blind Trust

   Every transaction is traceable to a record. The ledger is the source of truth, not the conversation.
3. 03
   No Passive Membership

   Members interact with the system regularly. Commitments are recorded; absence is recorded.
4. 04
   No Emotional UX

   Interface stays structured, not casual. Discipline begins at the surface.
5. 05
   No Fake Simplicity

   Complexity is shown clearly, not hidden behind smooth marketing language.
6. 06
   Loans Are Validated, Not Requested

   Eligibility is a function of contribution discipline. The rule clears the application, not the favor.
7. 07
   Capital Has Destination

   The Project Layer converts pooled savings into deployed ventures with tracked ROI.
8. 08
   Governance Is Recorded

   Rule changes, leadership and project approvals are timestamped votes — public and final.