The Digital Allowance is Dead.Welcome to Programmable Family Wealth.
Replace slow banking with instant, smart-contract family finance. Spend, save, and invest in a kid's retirement with a single swipe.
Step 1
Parent Sets the Rule
“Every $50 chore payment splits 40/40/20 between spending, savings, and Emma's Roth IRA.”
Step 2
One Transaction.
Three Destinations.
Smart contracts execute the split atomically. No manual transfers. No waiting. Instant.
Settled in 0.8 seconds
Step 3
Emma Taps Her Card
The spending portion converts to USD at the point of sale. Accepted at 200M+ merchants. Just like a normal debit card.
Emma Johnson
**** 4829
GenTrove
TEEN
Meanwhile
Her Roth IRA
Compounds Silently.
$10 from every chore. Every week. For 10 years. Compounding tax-free until retirement.
$5,200 invested
Projected to ~$47,000 by age 65 (7% avg return)
Global Gifting
Grandpa Lives in London.
Wire Fees Are $45.
Traditional cross-border birthday gifts cost more in fees than some families spend on the gift itself. It takes 3-5 business days.
SWIFT transfer: $45 fee + 3-5 days
Send a Link.
No App Required.
Grandpa gets a “Guest Checkout” link. Pays with his credit card or Apple Pay. No crypto knowledge needed.
Flat $3.99 delivery fee
2.1 Seconds.
Time-Locked Until 18.
The gift settles instantly into Emma's Graduation Vault. Smart contracts ensure it cannot be touched until her 18th birthday.
Graduation Vault
$2,840
Unlocks
June 2034
57% toward $5,000 goal
Parental Controls
Total Authority,
Institutional Security.
Enterprise-grade controls that give parents full oversight without slowing down the family economy.
Dual-Control Workflows
Large purchases sit in a "Pending" state until a parent explicitly taps "Approve" on their device.
Programmatic MCC Blocking
Automated category blocks (e.g., gambling) enforced strictly at the API level.
Provisional Chargeback Protection
Instant account crediting during merchant dispute resolutions, marrying blockchain speed with traditional debit card protections.
Physical Debit Card
A Real Card.
200M+ Merchants.
The GenTrove teen debit card converts stablecoins to USD at the point of sale. Instant. No crypto jargon. Just tap and go.
Tap-to-Pay Everywhere
Physical Mastercard accepted at 200M+ merchants worldwide. Apple Pay and Google Pay compatible.
Instant Fiat Conversion
Stablecoins convert to USD at the point of sale. No manual swaps, no waiting, no exchange rate surprises.
Real-Time Spend Alerts
Parents see every purchase instantly. Auto-block categories like gambling. Approve large purchases with one tap.
Cardholder
EMMA JOHNSON
GenTrove
TEEN
Invisible Tech Stack
Blockchain Power.
Apple Pay Simplicity.
All the speed and cost advantages of crypto infrastructure with none of the complexity exposed to families.
Zero Gas Fees
We sponsor all network fees via Paymasters. Families never worry about crypto congestion.
Seedless MPC Wallets
Bank-grade security utilizing WebAuthn (FaceID/TouchID). No seed phrases to lose.
Instant Fiat Liquidation
The GenTrove physical debit card converts stablecoins to USD instantly, accepted at 200M+ merchants.
Automated Tax Abstraction
IRS-ready 1099-B tax documents generated automatically from our internal ledger.
Graduation Protocol
A Financial Engine They
Never Outgrow.
From their first allowance to full financial independence. One continuous platform.
The Age 18 Handoff
UTMA and spending accounts seamlessly transition to full individual ownership on their 18th birthday.
Wallet Portability
The teenager graduates to an independent adult account, retaining their entire transaction history and wealth trajectory.
Age 8-12
Custodial spending + savings
Age 13-17
Full routing + Roth IRA + debit card
Age 18+
Independent ownership, full portability
Why GenTrove
Everything They Do.
Plus Everything They Can't.
No single competitor combines instant smart-contract routing, a physical debit card, custodial Roth IRA, and cross-border gifting.
Settlement
Seconds
vs. 2 days (ACH)
Cross-Border Fee
$3.99
vs. $30-50 (SWIFT)
Split Transactions
1 atomic call
vs. 3 separate transfers