The Platform
Family & Youth Banking — Ready to Deploy.
TONi delivers a complete white-label platform that feels like a modern fintech, but sits inside your institution's brand, infrastructure, and customer relationships.
What banks get
Engage families early. Retain them through every life stage.
- You own the accounts, data, and customer relationships
- Intuitive experience for parents, children, and teens
- Connects to your core and digital banking stack
- Launch-ready with hands-on implementation support
- Built to reflect your brand — white-label from day one
- Designed to retain the next generation within your ecosystem
Financial Education
Learn.
Building healthy financial habits — from an early age.
Budgeting Basics
Interactive tools teach children how to plan, track, and manage their money in a way that is engaging and age-appropriate.
Savings Habits
Help young customers build healthy habits early by setting goals and tracking progress toward them.
Educational Content
Bite-sized guides and interactive content break down key financial concepts for children and teens in plain language.
Gamified Engagement
Children earn achievements and celebrate milestones by making smart money choices — keeping them engaged and coming back.
Pocket Money & Rewards
Earn.
Rewarding effort. Building confidence.
Chores & Tasks
Parents assign tasks, set rewards, and approve when completed. A simple loop that teaches the value of work.
Automated Allowance
Parents set up recurring transfers so they never have to remember allowance day. The platform handles the flow.
Money Requests
Children can request funds through the app. Parents approve instantly and securely — no cash needed.
Flexible Reward Rules
Configurable incentive logic lets banks and parents set up rewards that match their household and values.
Accounts & Cards
Spend.
Smart spending. Within budget. Under your brand.
Real-Time Balances
Children and parents see account balances in real time, giving full transparency across the family household.
Card Controls
Parents set spending limits and category restrictions, helping children learn responsible card use from the start.
Instant Card Lock
One tap to lock or unlock a card gives parents peace of mind — and teaches children about security.
Parental Oversight
All activity happens under your institution's brand, reinforcing trust, visibility, and the bank relationship.
Savings Goals
Save.
Building smart habits. One goal at a time.
Visual Goals
Children set savings targets and track progress visually — turning abstract savings into something tangible and motivating.
Parent Contributions
Parents, grandparents, and all other relatives can contribute to or top up savings goals, turning the platform into a shared family experience.
Budgets
Teens create budgets and build the discipline of planning before spending.
Progress Tracking
Real-time dashboards show how close they are to hitting their goals — and build excitement along the way.
Emergency Money
Safe.
A safety net for families. Always within reach.
SOS Money Reserve
Children can request emergency funds through the app in seconds. Parents receive a notification.
Parental Control
Every request goes through the parent. No money moves without approval — keeping families in control at all times.
No Cash Needed
Whether a child is across town or far away, funds arrive instantly. No cash in the wallet needed.
Peace of Mind
Parents know their children always have a reliable way to reach them financially. A simple, secure bridge for unexpected moments.
