The First Full Financial Suite Built for Youth
Banking, savings, investments, crypto, a debit card, and real-time earnings — all in one guardian-supervised platform built on SUN Youth℠ compliance. Earn from gigs. Save with purpose. Invest for the future.
Everything a Young Earner Needs
One platform. Eight financial products. All guardian-supervised and compliance-first.
Youth Checking & Savings
A real bank account — FDIC-insured — with a separate savings bucket and automatic split routing. Every gig payment lands in checking; a configurable % auto-routes to savings instantly.
SUN Youth Debit Card™
A real Visa debit card with guardian-set spending limits, merchant category controls, and instant purchase notifications. Every transaction requires parent approval above the threshold.
Custodial Investment Account
Guardian-approved investing in ETFs, index funds, and stocks. Conservative, moderate, or growth portfolios. Supports DRIP dividends, auto-invest, and custodial 529 college savings.
Custodial Crypto Wallet
Exposure to BTC, ETH, and more — fully custodial, meaning the guardian holds the keys. Guardian sets monthly purchase limits and an allowed asset list. No hot wallets for minors.
Gig Earnings & Escrow
Every SUN Youth gig payment flows through compliant escrow. Upon job completion and buyer confirmation, funds release to the youth's checking account with full transaction history.
Financial Goals
Youth set savings goals ('New Bike', 'College Fund', 'Emergency Cushion'). Auto-route a % of each gig payment toward each goal. Guardians can add a match percentage to incentivize saving.
Tax Prep & 1099 Management
Automatic 1099-NEC generation for youth who earn ≥ $600. Kiddie Tax (Form 8615) flagging, W-9 management, and a guardian tax prep dashboard for filing alongside the family return.
Compliance & Labor Law Guard
Built on SUN Youth℠ labor law compliance — every transaction is checked against FLSA age-based earning rules, state minor wage laws, and ESSA school-year hour caps.
How It Works
From first gig to full financial independence — a clear path built on compliance and guardian partnership.
Guardian Opens Account
A Premier guardian enrolls their child in SUN Youth℠ and opens a SUN Youth Financial account. Guardian sets all controls: spending limits, approved investment assets, and auto-save percentages.
KYC & Guardian Verification
Light KYC for the youth (school-vouched or ID-verified). Guardian signs the custodial agreement. School ombudsman confirms enrollment. Account activates within 24 hours.
Youth Takes Gigs & Earns
Youth accepts service requests from SUN Youth Qualified Buyers™. Gig earnings go into escrow. Upon completion and buyer confirmation, funds release automatically.
Auto-Split: Spend, Save, Invest
Each payout auto-splits: a % to checking (spendable via debit card), a % to savings goals, and optionally a % to the investment portfolio — all per the guardian's configuration.
Wealth Grows Over Time
Savings compounds. Investments grow. Crypto exposure builds. Guardian match incentives reward consistent saving. The youth watches their net worth grow in real time.
Age-18 Transition
At 18, the account transitions to a standard SphereUs member financial account. All balances, investment portfolios, and history transfer seamlessly. The youth owns their financial foundation.
Guardian Oversight — Always On
Every financial action — from a $5 debit card purchase to a $50 crypto buy — requires guardian-configured rules. Real-time notifications, one-tap freeze, and instant spending limit adjustments give parents full control without hovering. Youth build real skills. Parents stay in control.
Tools to Earn, Save & Grow
See why starting now changes everything — and what tax season will look like.
Compound-Interest Simulator
Start saving and investing young and time does the heavy lifting. Adjust the dials to see how starting earlier changes everything.
Illustrative only — actual returns vary. The point: time is the most powerful investing asset you have right now.
Sign in to preview your teen's annual tax form.
Give Your Youth a Real Financial Foundation
Not a toy account. Not a piggy bank app. A full-featured financial system built to grow with them — from their first gig at 12 to their first real investment at 17.