The easy way to do this would be to have it be an add-on feature for something like Wells Fargo Teen Checking.[1]  That gets teens a debit card. The only allowed operation would be a transfer from the parent&#x27;s account to the teen&#x27;s account. It&#x27;s not a standalone startup then, though, so you don&#x27;t make tons of money. But Wells Fargo is having trouble in the mobile space, so credible app developers might find it worthwhile to talk to them.<p>[1] <a href="https:&#x2F;&#x2F;www.wellsfargo.com&#x2F;checking&#x2F;teen&#x2F;" rel="nofollow">https:&#x2F;&#x2F;www.wellsfargo.com&#x2F;checking&#x2F;teen&#x2F;</a>