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PATRIMONIO
Merchant Bankers & Trust Co.
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House of Patrimonio · Doctrine

The House of Patrimonio
Charter, doctrine, and code of conduct.

Below is a compact version of the House's internal archive: the Charter, the Doctrine, and the Code. It is written in the style of the older merchant houses that treated banking as a craft, not a commodity.

Charter of the House

I. On the Nature of the House

The House of Patrimonio shall act as a private custodian of wealth and a steward of obligations, favoring solvency and discretion over scale and spectacle.

II. On Governance

Decisions are rendered through counsel and recorded in the Ledger. Authority flows from the Charter, the Doctrine, and the Seal.

III. On Reputation

The reputation of the House shall not be bartered in the pursuit of gain. Capital may be replenished; trust, once broken, is not.

The Doctrine

Continuity over conjecture

Preference for positions that survive cycles, not merely narratives that impress in the moment.

Presence over prominence

The House guards what it has rather than advertising what it seeks.

Discretion above all

The affairs of clients and counterparties are guarded as carefully as any balance sheet.

Legacy as measure

Judgments are evaluated against how they will look in the ledger ten or twenty years hence.

Code of Conduct · The Five Articles

  1. I. Discretion. Privacy is treated as a form of collateral. The House does not trade in stories about its clients.
  2. II. Exactitude. Numbers are not guessed; terms are not assumed. Precision is part of the work.
  3. III. Rectitude. A disreputable gain is considered a permanent loss to the House.
  4. IV. Fortitude. In adversity, the House remains calm and solvent. Panic is not a policy.
  5. V. Continuity. The House exists to outlast its current stewards. Every action should respect that horizon.

Motto

Latin
FIDE ET IUDICIO

"By Trust and Judgment." The two currencies that matter more than any nominal balance.