“In unity, we build a future where every member thrives, illuminated by the timeless principles of integrity.”
Building a sacred foundation of trust, community, and cooperative prosperity through shared values.
Join our founding community today. Open to all residents of Harlem, NY and Youngstown, OH.
Sign Up Now →Explore the modern member experience being built by DronePay Systems LLC, the operating arm of the Trust.
Visit dronepay.us →Coming soon. Join the waitlist below and be first in line.
A community institution built on trust, transparency, and cooperative ownership. We exist to serve our members — and if you believe your money should uplift your family and your community, join our founding waitlist today.
To become the trusted cornerstone of our community, where every member’s financial well-being is sacred, and every neighborhood we serve — Harlem and Youngstown first — grows stronger together.
To honor the sacred trust placed in us by fostering cooperative growth, transparent governance, and community prosperity — member-owned, member-governed, and accountable to the people it serves.
— Yelliham, Trustee
PHTCU will operate with the full service of a real credit union. Here is what founding members step into at launch:
Member debit cards from day one of the launch — your money, in your hand, everywhere.
Online banking will be available when we launch — accounts, transfers, and your cooperative, from your phone.
Like DronePay, members will reach the people in their phone by SMS — send and request with a text.
Our only brick & mortar homes: Manhattan, New York and Youngstown, Ohio. Everywhere else, we are online.
Five pillars that guide our every decision and form the bedrock of our cooperative community.
Every relationship is built on the foundation of absolute trust, honesty, and mutual respect.
No overdraft fees, no hidden charges, no deceptive practices. Every transaction is transparent, every policy is clear, and every member knows exactly what to expect. Trust means keeping our word, always.
We operate with unwavering moral principles, ensuring every action reflects our sacred commitment.
We say only what is true, and we build only what we can stand behind. Where we are in our journey is stated plainly — in development means in development, and our word is our bond.
Strength through togetherness, prosperity through cooperation, success through shared values.
Member-owned and member-governed. Value is shared with the community through better rates, lower fees, and local investment programs that strengthen our neighborhoods.
Complete openness in all operations, with clear accountability to our trusted community.
Open-book management with public financial reports, member voting on major decisions, and clear explanations for every policy. What the cooperative does, its members can see.
Pursuing the highest standards of service, wisdom, and ethical leadership in all we do.
Dedicated support from real people who know your name. Every question answered with patience, every issue resolved with care, because exceptional service is our sacred duty.
DRONE is the coin of this community, built on Solana by Drone P — one billion minted, mint authority revoked forever, and the liquidity pool burned and locked. Founding members meet it here first.
Live price, the three steps to buy, and the on-chain proof — LP burned, mint off forever.
We are actively accepting founding members. All residents of Harlem, NY, and Youngstown, OH are warmly invited to join the Sacred Waitlist.
Important disclosure, stated plainly — who we are, and who we are not yet.
This platform serves educational purposes and represents our commitment to exploring cooperative financial principles within appropriate legal frameworks. All activities are conducted in accordance with applicable laws and regulations governing private trust arrangements and cooperative organizations.