Joint bank account. Pool income into one pot.
It is a financial instrument.
It exists to relieve Divide shared expenses fairly. That is the whole reason it is here: nothing enters this map without a human problem behind it.
It could not exist without Banking system. These are the quiet preconditions — remove any one and the solution stops working.
Solving that problem created new ones: Pooled money produces disputes and asymmetry. Follow those and you find the next generation of products built on top of this one.
It competes with Budgeting and bill-split apps for the same friction.
6 organisations in this map sell it, 4 of them publicly listed.
Its neighbourhood
Everything this entry connects to directly. Click any point to follow it.
The line back to a human being
2 hops from a person at a phase of life. The further a thing sits from the person, the more abstract it looks — and the more it tends to be mistaken for something that came from nowhere.
- SolutionJoint bank account
- FrictionDivide shared expenses fairly
- Life phaseHousehold formation
- Rooted inBelonging
- Rooted inScarce resources
Relieves
Created these new problems
Second-order frictions. This is where most of the modern economy actually lives.
Requires
Who sells it
| Organisation | Value | Type | Products |
|---|---|---|---|
| JPMorgan Chase | $800B | public · JPM | Chase mortgages, Chase credit cards, auto finance |
| HSBC | $220B | public · HSBA | retail banking, mortgages, wealth in Asia |
| Commonwealth Bank of Australia | $180B | public · CBA | mortgages, retail banking |
| HDFC Bank | $170B | public · HDFCBANK | retail banking, mortgages, HDFC Life |
| USAA | mutual | auto, home, banking | |
| Navy Federal Credit Union | mutual | largest US credit union; mortgages, auto loans |