The Twenty Journal
Ideas, explanations and insights behind a new way to save, compete and get ahead.
How Crack the Vault Works
A closer look at Crack the Vault — The Twenty's live weekly final stage, how qualification works, and how a winner is decided.
Why We're Building The Twenty
13 September 2026 · Richard Grigg, Founder
A savings-first alternative to betting culture: your vault is your foundation, your squad is your leverage, and the prize is the spark — not the whole fire.
Read MoreUnderstanding The Twenty
What is The Twenty?
Discover what The Twenty is, how the £20 monthly model works, what happens to your money and how saving meets skill-based competition.
Read ArticleHow Does The Twenty Work?
Find out how The Twenty works, including the £20 monthly contribution, Vault, Skill Test, Squads and weekly Crack the Vault experience.
Read ArticleWhy We Chose £20
Why does The Twenty cost £20 a month? Discover the thinking behind the number and why small, consistent contributions matter.
Read ArticleHow The Twenty's Vault Works
Learn how The Twenty's Vault works, where the £15 monthly saving allocation goes and why the Vault is central to The Twenty.
Read ArticleMoney & Saving
What Can £20 a Month Achieve?
See what saving £20 a month could add up to over 1, 5, 10, 20 and 30 years and discover why small monthly amounts matter.
Read ArticleThe Psychology of Saving Small Amounts
Discover why saving small amounts regularly can be easier to maintain, how habits form and why consistency matters more than starting big.
Read ArticlePrize-Linked Savings Explained
Learn what prize-linked savings are, how they differ from traditional savings and how The Twenty uses saving alongside a prize-based opportunity.
Read ArticleThe Difference Between Saving and Gambling
Understand the difference between saving, gambling and skill-based competitions, and how The Twenty's model is designed around saving.
Read ArticleHow Compound Interest Actually Works In Your Vault
4.5% APY sounds simple, but it's applied daily and compounds every day — here's exactly what that means for your balance, with real numbers.
Read ArticleSkill & The Reveal
Skill-Based Competitions Explained
What is a skill-based competition? Learn how skill can be used to qualify for The Twenty's weekly experience and Crack the Vault.
Read ArticleHow The Squad System Works
Learn how Squads work on The Twenty — building a squad, the shared Squad Bonus, and what happens if a member leaves.
Read ArticleHow the £1 Million Prize Works
How The Twenty's £1,000,000 weekly prize is intended to work, why it's phased, and what 'sufficient scale' means.
Read ArticleThe Twenty: Frequently Asked Questions
Get answers to the most frequently asked questions about The Twenty, including £20 contributions, the Vault, Skill Test, Squads and prizes.
Read ArticleInsights
Inside The Skill Test: What The Three Trials Actually Measure
A closer look at The Twenty's Skill Test — what each of the three trials measures, how scoring works, and what it takes to qualify.
Why The Twenty Has an App, Not Just a Website
Two platforms, one experience — here's what the website is for, what the app is for, and why neither one replaces the other.
Read ArticleHow We Verify Every Reveal Is Fair
No randomness, no black box — every reveal gets a public verification page that recomputes the result from raw server data, not a summary you have to take on trust.
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