Evidentiary integrity, proved not promised.
Every ledger entry is cryptographically chained to the one before. A single altered byte breaks every hash after it. The proof is in the maths, not in our word for it.
For family lawyers & mediators
A neutral source of truth for the families you advise.
A tamper-proof shared ledger of chores, pocket money, and shared child expenses across two households – with cryptographic integrity and one-click PDF/A audit export. Built so the small disputes resolve themselves before they reach your desk.
Join the partner waitlist
We’ll be in touch ahead of launch.
You see the same disputes month after month. Who paid what. Who agreed which rate. Who promised the £20 birthday boost.
Morechard removes the dispute by removing the doubt. A cryptographically sealed shared ledger that both households contribute to and either can export – built so the small arguments resolve themselves long before they need a meeting room.
Before you recommend it
What Morechard is (and isn’t).
A quick disambiguation, because it sits in an unusual category.
Morechard is…
- A tamper-proof shared ledger
- A neutral record of effort and reward
- A one-click PDF/A audit export
- A tool that respects both households equally
Morechard is not…
- A debit card or banking product
- A children’s bank account
- A parental control or surveillance app
- A substitute for legal or financial advice
Why mediators and family lawyers like Morechard
SHA-256 hash chain
PDF audit export
Household-neutral framing
Cost-of-conflict reduction
Client-owned data
Zero onboarding friction
Six things that matter to a practitioner.
A complete record, in the form you already use.
PDF/A-2b export with embedded XMP metadata, a chain-head hash, signature line, and a public verification URL. Drops straight into a bundle. No reformatting fees.
A tool that doesn’t take sides.
No “primary” parent. No scoring. No rankings. Both parties see the same data through the same lens – which is often what mediation needs before anything else.
Resolves the small disputes before they become your problem.
Most “who paid what” arguments never reach your desk because they no longer have anywhere to go. The ledger settles them quietly, in the background.
Your client’s evidence belongs to your client.
Morechard does not sell, monetise, or use the underlying data. The family’s audit chain is theirs – exportable, portable, and verifiable independently of the app itself.
Recommend it on a Tuesday. They’re using it by Wednesday.
No bank account, no debit card, no credit check, no app store gatekeeping. A family can be on the ledger and recording entries in under five minutes.
Built for evidence
The forensic specification.
For practitioners who want the technical detail before they recommend a tool.
Morechard · Forensic Specification
Ledger, export, jurisdiction, retention.
- Ledger model
- Append-only, cryptographically chained
- Hash function
- SHA-256 (FIPS 180-4)
- Chain integrity
- Each entry hashes prior entry + payload
- Mutability
- None. No edit. No delete. No backdate.
- Export format
- PDF/A-2b with embedded XMP metadata
- Export signing
- Final-page seal: chain head hash + timestamp
- Public verification
- https://morechard.com/verify/<hash>
- Data jurisdiction
- Cloudflare D1 · UK / EU regions
- Standards alignment
- UK GDPR · COPPA · GDPR-K · NSFE (PL)
- Retention
- Family-controlled · ledger persists post-account
- Data ownership
- The family. Always.
- Languages
- English (UK) · English (US) · Polish
- Currencies
- GBP · USD · PLN
This block is not legal advice. Morechard is a record-keeping tool.
A sample export
What lands in your client’s inbox.
A schematic preview of the first page of a court-ready PDF/A audit export.
Morechard Audit Report
Child profile: “Alex” · Period: 01 Apr 2026 – 30 Apr 2026 · Households: 2
#4f9e · 2026-04-02 · Tidy room+£1.50
#3a01 · 2026-04-06 · Dishes+£3.00
#b7c2 · 2026-04-09 · Dog walk+£2.00
#d8f4 · 2026-04-14 · Boost (Parent A)+£5.00
#1ea6 · 2026-04-21 · Homework+£4.50
#7c12 · 2026-04-26 · Withdrawal−£10.00
Chain-head hash: 9b3a c1f0 4d22 e8f7 51bd 6204 a9c1 d3ef
Sealed at: 2026-04-30 23:59:59 UTC
Verify: https://morechard.com/verify/9b3a…d3ef
Sealed at: 2026-04-30 23:59:59 UTC
Verify: https://morechard.com/verify/9b3a…d3ef
Every export carries a cryptographic seal and a public verification URL. Tampered exports fail verification instantly.
If you’d like to recommend it
A light, three-step partner ladder.
No commission. No contract. No obligation. Just a tool you can pass on if it helps the families you advise.
Mention it
A name to drop in a difficult meeting. When clients ask “how do we keep track between two homes?”, you have a one-line answer.
Share it
A page you can send. Forward this URL or share the partner pack we’ll send to everyone on the waitlist.
Vouch for it
Lend your name if you like the tool. Optional. Practitioners who’d be happy to be named as a referrer can opt in after they’ve used it. No commission, no obligation.
Common questions
For practitioners.
Is the export admissible as evidence?
Morechard generates a PDF/A-2b export with embedded XMP metadata, a chain-head SHA-256 hash, and a public verification URL. The underlying ledger is append-only and cryptographically chained. Whether a specific court admits the export depends on jurisdictional rules of evidence – but the format is built to meet standard documentary evidence requirements.
What jurisdiction does Morechard’s data sit in?
Family data is stored on Cloudflare D1, with replicas confined to UK and EU regions. No data is routed to or stored in non-EEA jurisdictions. Compliance: UK GDPR, EU GDPR, COPPA, GDPR-K, and Polish NSFE alignment for financial education content.
How is the ledger’s tamper-evidence demonstrated?
Each ledger entry is hashed (SHA-256) together with the prior entry’s hash, producing a chain. A single altered byte in any entry – past or present – breaks every subsequent hash in the chain. The chain-head hash is embedded in every export and independently verifiable at a public URL.
Do both parents need accounts for the record to be useful?
No, but two-parent records are stronger. A single-parent ledger is still cryptographically sealed and exportable. A two-parent ledger additionally attributes each entry to the parent who recorded it, producing a richer evidentiary picture.
Is there a referral or commission scheme?
No commission. No paid referral scheme. Practitioners who join the partner waitlist receive a one-page client pack at launch and ongoing updates. Vouching is optional and only after a practitioner has used the product themselves.
Can a mediator be added as a neutral observer?
Not in the current scope – Morechard accounts are family-owned and not designed for third-party observer roles. A mediator can request that the family generate a PDF audit export at any review point, which can be independently verified without an account.
What if a client asks Morechard to delete their records?
The family controls deletion. A family-initiated account deletion (‘Uproot’) anonymises personal identifiers while preserving the cryptographically chained ledger entries – the audit chain remains verifiable, but no personal data is retained. Selective deletion of individual ledger entries is not possible by design – that’s the point.
Early access
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when Morechard launches.
No spam. Just a single email when we open the doors.
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We'll send you one email when Morechard is ready to launch. That's it.