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Maslow is a software and systems company building shared digital infrastructure for member-owned financial institutions — credit unions, cooperatives, and mutuals — worldwide. Rather than competing with these institutions, Maslow connects them, providing the shared technology, coordination standards, and governance that no single institution can build alone. Maslow Holdings Pty Ltd is the current commercial builder and operator: it raises capital, employs and engages the team, develops and operates technology, enters contracts and carries execution risk. HAPPI is the intended enduring stewardship and people’s-commons architecture for the relevant shared connective infrastructure and post-cap ownership. The HAPPI Foundation does not yet legally exist. Maslow is constitution-governed and covenant-aligned; HAPPI is intended to be covenant-governed under its own final founding documents. Investor financial returns are capped under the applicable constitutional and contractual architecture — investors underwrite the build, not the perpetual operation.

Finance shapes how societies function at every level — who gets capital, who keeps it, where it flows, and who benefits. At least 178,555 member-owned financial institutions serve at least 508.7 million members and hold at least US$11.30 trillion in assets across 109 countries and jurisdictions. They already possess extraordinary distributed strength, but remain fragmented across jurisdictions, technology systems, vendors and institutional networks. They represent a substantial existing body of financial infrastructure structurally organised around member and community benefit — built to keep capital in the communities it comes from.

That is what Maslow builds: infrastructure, not products. The work runs through two entities: Maslow, the current commercial builder and operator, and HAPPI, the intended enduring stewardship and people’s-commons architecture. Maslow is constitution-governed and covenant-aligned. HAPPI is intended to be covenant-governed. The HAPPI Covenant expresses the intended stewardship architecture and does not directly bind Maslow or override Maslow’s Constitution, contracts or applicable law. Participating institutions retain their licences, their boards, and their community relationships.

Maslow’s Constitution establishes a capped-equity architecture. Shares issued under the 2026 Offer carry a stricter 150× contractual cap on the CPI-adjusted amount paid. When a Share Parcel reaches its applicable cap, it transfers for nominal consideration to the existing Customer Trust or another permitted Customers Vehicle. The intended end-state is for the HAPPI Foundation, once legally established and operationally capable, to own or control that post-cap equity directly or through a trust or vehicle it controls. Maslow is intended ultimately to be absorbed into HAPPI’s architecture, but no automatic present dissolution or transfer of every Maslow asset or operation is represented.

The company is named after Abraham Maslow. That naming carries a history it is responsible for acknowledging. Much of what is associated with Maslow's “hierarchy of needs” has direct antecedents in Blackfoot teachings, in which self-actualisation is the foundation on which community actualisation, and then cultural perpetuity, are built — not the apex.

The company's two-word slogan — Together. Thriving. — was chosen in direct contradiction to the hierarchy attributed to Maslow: that human flourishing is collective, that the collective is the foundation, not the summit. The full statement and Acknowledgement of Country are on the Acknowledgement page.