Picture this

Who it is for

Kemi gives her twelve year old Tobi a Smart Wallet. Chore Allowance grants a weekly spend permission of fifteen dollars, blocks the categories she picks, and adds a bonus when Kemi ticks a chore as done. Tobi learns real money with real limits, and nobody holds his keys.

Two ways to own it

What you get

Base$129

$32 deposit to reserve

Parent dashboard, child Smart Wallet onboarding with passkey, weekly spend permission, chore list with bonus top ups, spend history.

You choose: accent color
You choose: allowance cadence
You choose: chore templates

Customfrom $900

Built around you

Reshape it entirely: new features, your flows, your brand end to end, integrations you need. We scope it with you.

Everything in Base
Custom features and design
Priority build

Why it is new

What exists today, and what this does differently

What is new

Kids allowance apps exist off chain (Mydoh, FinFlo Junior) and spend permissions exist on Base, but no allowance app using spend permissions was found.

Closest things out there

Mydoh and FinFlo Junior (off chain allowance apps); Coinbase spend permissions docs.

Checked with web searches in October 2026. A search is not proof that nothing similar exists, and the market moves fast, so we recheck before every build.

What it unlocks

The human in it

Teaches money with guardrails instead of lectures.

The Regatta Board

Races it can enter

grant · Base · rolling

Base Builder Grants

rolling, retroactive

Official page ↗

Ecosystem program for shipped apps; check current terms.

Their rule on existing code: Existing shipped projects OK (retroactive)

What you own

The whole app, not a starter kit.

The complete Chore Allowance family app: a weekly allowance on Base where a spend permission holds the house rules, chores top it up and the child holds his own keys, with a paywall built in. The owner console and growth loops are available as add-ons.

Base price · $129

The user app, complete

Every buyer gets the same finished app. Basic branding and copy changes come through a quick form.

Three step onboardingHome

Shown once: his keys and your rules, set the allowance once, chores top it up.

Weekly balance and primary actionHome

What is left this week, allowance plus bonus, reset time and a Pay a shop button.

Week strip and waiting on MumHome

Spent versus left for the week, plus chores and asks waiting for a parent.

Passkey checkout with house rulesSpend

Approved shops, blocked categories, single buy limit, after 9 PM and the weekly cap checked before paying.

Plain refusals and ask MumSpend

Every refusal gives a reason and lets the child send a one time ask to the parent.

New shop approvalsSpend

Unknown shops wait for a one tap yes instead of trusting a category label.

Onchain and in app receiptsSpend

Spend permission and payment hashes on Base; shop list, blocks and reasons stay in the app.

Chores with photo and parent tickChores

Child marks done, parent ticks, the bonus lands the same minute under a small bonus permission.

Child proposes choresChores

Kids suggest chores, parents price them. More than the free number is gated behind Family Plus.

Savings goal and streakGoal

A drawn goal that fills, money moved from the week, and a streak of weeks without dipping in.

Parent streak matchGoal

A small parent match every four week streak. Gated behind Family Plus.

Sunday card and close the weekSunday

Spent, left, refused and one question; leftover rolls into the goal and the week resets.

Twelve week trendsSunday

Spent versus saved over twelve weeks and where the money went. Gated behind Family Plus.

House rules, pause and plansFamily

Weekly amount, single buy limit, blocks, pause, spend permission receipt, extra children and the Plans screen with USDC checkout.

Open the full app demo

Add-on

Owner console

Your admin side: revenue, paywall editor, users, rules and the agent log.

Revenue and paywall editorRevenue

MRR, tier names and prices, free chore count, gate toggles, incoming USDC payments, payouts and accepted payment methods.

Owner rulesRules

Weekly reset time, approved list or category mode, allowance ceiling, match amount, refusal wording, gas sponsoring and WhatsApp notes.

Rules agent logAgent

What the rules did across families, including failures and how they adapted, plus running costs.

Roadmap requestsRoadmap

v2 and v3 scoped with add-on prices and a request button.

Top-up

Growth and referrals

Referral and growth mechanics, switched on when you are ready to grow.

Growth loops and referralsGrowth

Class money days, rules template referrals, shop join requests and cohort retention.

The money path, built in

How it earns for you

Free for one child, so every family can start. Bigger families subscribe to Family Plus and schools pay per student seat. Allowance money never passes through the owner.

FamilyFree for one childWeekly allowance, blocked list, three chores, Sunday card, receipts

Family Plus$3 a monthUp to four kids, unlimited chores, savings match, twelve week trends

Schools and clubs$1 per student a monthClass money lessons with a teacher's rules, paid by the school

No fee on allowance payments. The owner can sponsor gas on Base (about a cent per payment) and WhatsApp notes.

Prices are yours to set. Illustrative, not a promise of income.

Growth loops, built in

How it spreads

Class money days: a school lesson gives every student a small allowance and invites parents to take over at home
Rules template referrals: a family shares its house rules and both get a free month of Family Plus
Shops near schools ask to join the approved list so kids can pay them
The Sunday card: parents share the refusal moment and kids show friends their goal

Roadmap · build the next phase with us

Where it goes next

v1 included

The full family app

Passkey wallets for parent and child
Weekly spend permission with local reset
Checkout rules, refusals and ask Mum
Chores with ticks and bonus top ups
Savings goal, Sunday card, receipts

Included

Shops near schools and rules templates

Merchant links for local shops, paid in USDC on Base
Shared rules templates by culture and currency
Teacher console for class allowances
Local currency display and on ramp partners

Add-on from $400

Graduated freedom for teens

Limits that loosen as a track record grows
Teen savings vaults with a parent co-sign
Track record export a teen owns
Multi guardian families

Add-on from $900

For investors and grant reviewers

The pitch, ready

A weekly allowance on Base where spend permissions hold the house rules, chores unlock top ups, and the child holds his own keys.

Problem: Parents want kids to learn money with real money, but cash vanishes, kids card apps are tied to one bank or country, and a crypto wallet with no limits is not an option. Most parents end up lecturing or holding the child's password.

Solution: One spend permission caps the week onchain. The app checks approved shops, blocks and a single buy limit before paying, explains every refusal, and turns ticked chores into bonuses under a second small permission.

Why now: Smart Wallets with passkeys and spend permissions on Base make a capped, non custodial allowance possible for the first time, with gas sponsored for about a cent.

Market: Families with children 8 to 16 who already give pocket money, and schools that teach money lessons. Off chain allowance apps prove parents pay for this.

The ask: Pilot with 50 families and two schools in Ibadan, then shops near schools.

Funding is never guaranteed. Check each program's rules.

For hackathons and demo days

Your 2 minute demo

Home: meet Tobi, 12, with 14 dollars left this week and a Pay a shop button
Family: Kemi sets the weekly amount, single buy limit and blocks once; see the spend permission receipt
Spend: pay for a comic, then try the 22 dollar skin and watch the plain refusal and ask Mum
Chores: Tobi marks the car washed, Kemi ticks it, 3 dollars lands
Sunday: have the money chat, close the week, leftover rolls into the bike fund
Owner Revenue: edit the Family Plus price and gates, see incoming USDC payments
Owner Growth: run a class money day and watch seats and upgrades land
Owner Roadmap: request v2 shops near schools

Many hackathons require code written at the event. See the Regatta Boardfor each race's rule.

Make it entirely yours

Custom work covers your own currency and on ramp, branding, school or club versions, extra rules and integrations, scoped on a call from $900.

Custom from $900

BLUEPRINT

Why it matters and how it really works

The need

Parents want kids to learn money by handling real money, but cash vanishes, card apps for kids are often tied to one bank or country, and handing a child a crypto wallet with no limits is not an option. Most parents end up either lecturing or holding the child's password.

What exists and what is new

Kids allowance apps exist off chain, for example Mydoh and FinFlo Junior, and Base documents spend permissions for Smart Wallets. Research found no allowance app built on spend permissions. The new part is the combination: the weekly cap enforced onchain by a spend permission, the child holding his own passkey wallet, and chores that add top ups. The building blocks are not new.

The data it runs on

The parent's spend permission (amount, period, spender), the child's wallet address, payments made through the app, the parent's approved shop list and blocked categories, chore list and ticks, and the weekly summary. Chore photos and shop lists stay in the app; only payments and the permission are onchain.

1.The mission

Let every child learn real money with real limits, holding their own keys, while parents set the rules once instead of policing every purchase.

2.Why people can't resist it

The Sunday card Spent, saved, refused and one question, opened together each week in ten minutes.

Chores that pay Kids propose chores and parents price them. A tick turns into a top up the same minute.

Savings goal A drawn goal (a bike, a game, a gift) that fills up, with an optional parent match for streaks.

3.How it works for real

Wallets: Parent and child each get a Coinbase Smart Wallet on Base with passkey sign in. No seed phrases, and the parent never holds the child's keys.

Weekly spend permission: The parent signs one spend permission: up to the allowance amount per 7 day period, to the app's spender contract, starting Saturday 8 AM local time. The cap is enforced onchain and can be revoked any time.

Checkout rules: When the child pays, the app checks the approved shop list, blocked categories, single buy limit and time window before moving USDC. These checks run in the app, and the onchain cap is the hard backstop.

Chore bonuses: The parent ticks a chore; the app pulls the bonus under a second, small spend permission so bonuses can never exceed what the parent allowed.

Fiat on and off ramps: Parents fund in USDC via a supported on ramp. Shops either accept USDC on Base or are paid through a merchant link; local shops can be added by the parent.

Notifications and summary: Push or WhatsApp notes for refusals and ask Mum requests, plus a Sunday summary built from the week's payments.

4.Cost per use and pricing

Base transactions typically cost around a cent or less, and Smart Wallet transactions can be sponsored by a paymaster. A busy week with 8 payments and 2 bonuses costs the app roughly 5 to 10 cents in gas. Hosting and notifications run about $15 to $30 a month for a few hundred families. Example: 300 families at 10 transactions a week is about 12,000 transactions a month, roughly $60 to $120 in sponsored gas.

Family Free for one child

Weekly allowance, blocked list, three chores, Sunday card.

Family Plus $3 a month

Up to four kids, unlimited chores, savings goals with parent match, shop approvals by message.

Schools and clubs $1 per student a month

Class money lessons where students run a small allowance with a teacher's rules.

5.Growth loop

Kids show friends their goal and the Sunday card; parents share the refusal moments. Each family can invite another with a prefilled rules template, and local shops ask to join the approved list.

6.Risks and guardrails

Child privacy and law: Children's data is protected by laws such as COPPA and GDPR K. Collect the minimum, parent consent first, no ads, no selling data.

Rules are partly offchain: Shop blocks and per buy limits are enforced by the app, not the chain. A child could move funds another way; the weekly onchain cap limits how much is ever at risk.

Mislabelled shops: Category guesses fail. The app uses a parent approved shop list instead and asks before any new shop.

Key loss: A lost phone means a lost passkey unless recovery is set. Add a recovery passkey or a parent recovery guardian at setup.

Money rules and licensing: Holding or moving funds for others can need licences in some countries. The app is non custodial and never holds the family's money.

7.Build order

Parent and child Smart Wallet onboarding with passkeys
Weekly spend permission with a local time period start
Checkout with approved shops, blocked list and single buy limit
Chore list with parent ticks and bonus top ups
Ask Mum requests and refusal messages
Sunday summary card and savings goal

8.Where this is going

Now
One family in Ibadan: a weekly allowance with real limits and chores that pay.
Next
Shops near schools accept it, and families everywhere share rules templates that fit their culture and currency.
Later
Schools run money lessons on it, and teens graduate to more freedom as their own track record grows.
The big one
A generation that learned money with real practice and fair limits, holding their own keys from day one.

Costs and tools are estimates at the time of writing. General information only, not legal or financial advice.

OWNER PLAYBOOK

Own it, then chart your voyage

Nine routes from one vessel. Tap a port to open its chart.

Why own Chore Allowance

Chore Allowance: A weekly allowance on Base where spend permissions do the parenting rules and chores unlock top ups. Using someone else's version means their rules, their brand and their revenue. Owning Chore Allowance means it is deployed under your wallet, carries your name, and every customer, partner and result builds your track record instead of theirs.

What’s stopping you?

“I am not technical.”

Chore Allowance arrives deployed with a guide. Running it is settings and sharing links, not code. If you get stuck, we help you ship it.

“What if nobody uses it?”

Start with ten people you already know. The first move below takes under an hour and tells you fast whether people care.

“I do not have time.”

Each step is sized in minutes. Most owners spend an hour a week, and the app does the repetitive part.

“Will it make me money?”

Nothing is guaranteed. The playbook gives you a clear path and honest numbers, and you decide how far to take it.

The million-dollar ladder

Charge the people who get the most value from Chore Allowance: a monthly plan for groups or teams, plus setup fees for anyone who wants it done for them.

$100

$1,450

$11,700

$78,000

First harbour

5 customers

$20 a month

Steady trade

50 customers

$29 a month

Known name

300 customers