A teenager's own wallet, with you a tap away

The 16 to 17 tier sits between a fully supervised kid account and a standard adult wallet. Your teenager gets their own login, their own balance, and their own transaction history, separate from the parent wallet but still linked through Family Groups. The defaults are tuned for older teens who are already used to spending on their own, with parents able to raise daily and monthly limits step by step as trust is established. The point of this tier is to give a teenager something they own, not a wallet that feels borrowed. They can see their pay-ins from chores or part-time work, the cost of things they bought, and how their balance is moving over the month. Parents keep a quieter set of controls in the background: a cap, an activity view, and the ability to step in if something looks off. We are also designing optional chore and earning tracking, so a parent can attach a payout to a one-off job and have it land directly in the teen’s wallet on completion. Parental oversight is configurable, not enforced: a parent who wants only a cap can leave activity alerts off, and a parent who wants more visibility can opt in. By the time your teen turns 18, they will already have months or years of real wallet experience and a clean transition into a full adult SOTCoin account, with nothing to migrate and no new sign-up to do. Their history, their saved merchants, and their savings goals all stay with them.