3Vest Books User Guide

3Vest is a disciplined savings-to-credit pathway: save consistently for three months and unlock a facility of up to 3X your accumulated savings. Contributions build eligibility; withdrawals reset the qualifying window.

• Month 1–3: member contributes on an agreed cycle (weekly or monthly).
• Eligibility is measured on the balance held at the end of the third full month.
• Approved facilities are capped at 3X the qualifying balance.

3Vest keeps a fully segregated book. Entries carry their own TRV-DE-XXXXXX references and never mix with the BTC Ledger — separate sessions, separate reporting, separate balances.

• Record contributions as inflows and payouts or disbursements as outflows.
• The running sub-ledger balance is the pool available to the 3Vest programme.
• Export any period to CSV or Excel for committee review.

• Join: register the member and log their first contribution.
• Grow: track streaks of on-time contributions across the qualifying window.
• Thrive: issue the 3X facility, then track repayment back into the pool.

3Vest Books uses its own independent sign-in. A BTC Inc. session never grants 3Vest access, and a 3Vest session never exposes BTC Ledger tools.