For families with companies, properties and debt

The whole picture of your family's wealth.

Patricio is the family wealth agent. It keeps the family's books so everyone sees the same picture and the family stays together, generation after generation.

The letter P constructed with ruler and compass inside a circle and a square, in a 1509 woodcut with its explanation in Italian. — *“Questa lettera P si caua del tondo e del suo quadro.”* This letter P is drawn from the circle and its square. Luca Pacioli, *Divina proportione*, Venice, 1509.

Wealth screen: what changed this year, from 2024 to 2025 net worth, with revaluation separated from cash and debt, and totals and ratios below.

Marble bust of Ferdinando de' Medici with a curled wig and armour.

SINCE 1494

The families that lasted for centuries kept good books.

Florence's merchants already wrote what they owned and what they owed on the same page. In 1494 Luca Pacioli, a Tuscan friar and a friend of Leonardo, wrote it down for everyone: double-entry bookkeeping. Patricio is that book for your family. An agent writes it, and you sign it.

1494Pacioli publishes double entry

1509Divina proportione, with Leonardo

2026An agent keeps your family's books

What you see with Patricio.

Real growth.

Net worth bridge from 2024 to 2025 with property and company revaluation, cash and debt.

Cash flows.

Flow diagram: the cash each company and asset generates and where it goes: reinvestment, debt and remaining cash.

Who owns what.

Three-generation family tree and the net worth belonging to each person through their companies.

Debt capacity.

Property.

Shirtsleeves to shirtsleeves in three generations.

Padre comerciante, hijo caballero, nieto pordiosero.Spanish
Shirtsleeves to shirtsleeves in three generations.English
富不过三代Chinese
売り家と唐様で書く三代目Japanese
Pai rico, filho nobre, neto pobre.Portuguese
Der Vater erstellt’s, der Sohn erhält’s, dem Enkel zerfällt’s.German

Almost every culture has a version of the saying. The statistic usually attached to it, 70% of families losing everything, doesn’t hold up to scrutiny.

What does happen is quieter. Each generation divides the wealth among more people. The rules the founder kept in their head never get written down. Heirs receive assets they don’t understand, and decisions that one person used to make now need many to agree.

Patricio writes down what the family owns, who owns what and what happens if something changes. And the whole family sees it, not only whoever runs it.

III

Three plans, three generations.

Named after three generations of the Medici: Giovanni founded the bank, Cosimo made it the largest in Europe and Lorenzo the Magnificent made Florence the capital of the Renaissance. All three give you the same views; what changes is who works with your data, and where.

Giovanni

€490 per year

or €59 per month

Patricio does it for you. Our agent reads your documents, builds your picture and keeps it up to date.

An agent that talks with you and reads your documents
Family balance sheet, debt plan, ratios, comparisons and structure
Multi-year forecast and scenarios
Share with the family and your advisor

The agent thinks with Anthropic or OpenAI models under zero-retention terms: they process what we send, without storing it or training on it.

Request a seat

Cosimo

€600 per year

Only your family holds the key. Everything is encrypted with your password and not even Patricio can read it. You work with your own assistant.

End-to-end encryption with your password
Everything above, computed on your device
Your agent over local MCP (Claude Desktop, Cursor)
Key-based sharing: your family and your advisor, nobody else

Our agent is not included, since it would have to read your data. Without your password and recovery kit, your data cannot be recovered.

Request a seat

Lorenzo Coming soon

€999 per year

Patricio does it for you, in-house. The same agent, running our own model on our machines in the EU.

The agent that builds your picture, on a Patricio model
Your data never goes through Anthropic, OpenAI or anyone else
Our own servers in the EU
Everything in Giovanni

Seats limited by the capacity of our machines.

Sign me up

EU servers
Nothing changes without your confirmation
Take all your data whenever you like

No free trial: explore the app with a sample family before paying and, if it does not convince you within 30 days, we refund you.

Frequently asked questions.

Does it replace my accounting or my accountant?

No. Patricio does not keep statutory books or file taxes. It uses your companies' accounts as sources and combines them into a strategic view of the family: what you own, what you owe and where you are heading.

Can the agent make mistakes?

It can, like anyone reading a spreadsheet. That is why it never saves anything on its own: it shows you every change with the document and cell it comes from, and you confirm. Any change can be undone.

Does it handle holdings, partial stakes and intercompany loans?

Yes, that is what it is built for. It models people, holdings and companies with their percentages, and keeps loans and rents between your companies apart so they are not counted twice.

What does "not even we can see your data" mean on Cosimo?

Your data is encrypted on your device with a key derived from your password, and that key never reaches our servers. We store and sync unreadable data. We only see what we need to serve you: your email and the size and date of your files.

What is MCP?

The open standard assistants such as Claude use to connect to tools. On Cosimo, your own assistant queries your wealth through a connector that decrypts the data on your computer, and proposes changes you confirm.

Which model does the agent use?

On Giovanni, Anthropic or OpenAI models called via API, from providers that neither store what you send nor train on it. On Lorenzo, an open-weights model running on Patricio's own machines, with no third parties.

What if I am missing data?

Patricio marks what is missing as partial and never counts it as zero. Start with estimates, and the agent will ask for the documents that add the most to your picture.

Is there a free trial?

No. You can explore the app with a sample family before paying, and you have a 30-day guarantee: if it does not convince you, we refund you.

See the whole picture.

We are opening seats gradually for families with companies, properties and debt. Leave your email and we will let you know.

Adoring angel: a standing Carrara marble figure looking upwards.