Smart money tools for the next generation.
Financial literacy starts early—and families are looking for tools to teach kids and teens how to manage money in a digital-first world. Whether it’s chore tracking, automated allowances, savings goals, or parent-approved spending, the right app makes all the difference. Banks and fintechs have a unique opportunity to build trust, deliver value, and grow with their customers from the very start. With SoFi Tech Solutions, you can launch custom-branded youth banking experiences that are safe, secure, and built for scale.
Create, launch and scale a secured credit program with market-tested APIs.
SoFi Tech Solutions infrastructure supports real-time funding adjustments, transaction monitoring, and robust reporting to ensure a frictionless experience for businesses and consumers alike.
Dynamic Funding
Secured credit designed to meet diverse credit needs.
SoFi Tech Solutions secured charge card model gives issuers greater control and minimizes risk. Cardholders fund their accounts dynamically, and balances must be paid in full each cycle — no revolving credit, no interest charges. Payments are reported to credit bureaus, helping customers build or rebuild credit responsibly.
ACCESSIBLE CREDIT
Serve more customers with secured credit.
Lack of credit, thin credit, and poor credit can be barriers to financial independence. SoFi Tech Solutions Secured Credit with Dynamic Funding offers a more flexible, modern approach to secured credit— allowing funds to adjust dynamically based on spending patterns while maintaining security and control.
Traditional Secured Credit
Go with the traditional or modern model.
With traditional secured credit, cardholders deposit funds that serve as collateral for their credit limit. Each billing cycle, they must pay off their balance — a practice that encourages healthy credit habits and responsible spending while minimizing issuer risk. These payments are reported to credit bureaus, helping customers improve their credit scores over time.
