Contact
Contacts are the people and organizations attached to your ledger: family members, tenants, agents, professionals — the human layer of your financial records.
Key takeaways
- A contact is a person or organization your records refer to; a member is someone with login access. They are different things.
- Contacts make records answerable: which agent, which tenant, which accountant.
- Trusted contacts in Family Continuity are chosen from this same human layer.
Financial records keep pointing at people: the insurance agent who sold the policy, the tenant on the lease, the accountant who filed the return, the family member who shares the household. Owniko models them as contacts on the ledger, so the pointing has somewhere to land.
Contacts are not members
The distinction that matters: a member has login access to the ledger, with a role controlling what they can see and do. A contact is referenced by the records but logs into nothing. Your spouse is probably both; your insurance agent should only ever be a contact. Adding someone as a contact shares nothing with them.
What contacts make possible
- Records that answer their own questions. The policy shows its agent, the lease shows its tenant, and the phone number is where the renewal conversation starts.
- Property management. Tenants and leases connect to properties, rents, and documents.
- Continuity. Family Continuity's trusted contacts, the people who would receive access packages if your check-in rules ever trigger, are drawn from this layer, with per-contact, per-ledger control over what each would see.
Where you’ll see it
Ledger contacts are managed in the ledger's admin area; tenants appear with properties; and Family Continuity has its own trusted-contact setup. The habit worth forming is small: when a record involves a person, attach the person.