Hearth Termed is a technology studio dedicated to building privacy-first digital infrastructure for high-net-worth individuals and families.

We believe that managing family wealth, legacy, and daily operations shouldn't require trading away data sovereignty. Our mission is to replace fragmented spreadsheets and insecure apps with a unified "Quiet Luxury" Operating System—one that runs locally, encrypts everything, and empowers families to operate with the efficiency of a modern enterprise.

Founded by Huy Ryo, we are building in public and redefining how family offices operate in the digital age.