Most families give their kids money with no structure, no coordination and no lesson. Green Seed turns those gifts into a financial foundation, from birth forward. As your child grows, the gifts become a curriculum: 25 real financial actions, each one confirmed and rewarded. A real path toward wealth, and the competence and confidence that go with it.
How it works
One family, from the week Maya was born to the day she starts a Seed of her own.
Green Seed shows you which account fits, and why. Open it, fund it, invest it, and automate a monthly amount. The habit matters more than the number.
One gift link, and grandparents give to an account instead of a toy box. Every gift is recorded with who gave it and counted against the shared yearly cap.
A 530A, a 529, a custodial account, a first savings account. Green Seed matches each account to its purpose, tells every giver where their gift does the most, and keeps the family on one plan.
Your child opens the app and sees what has been saved, who gave it, and what the family has promised for the steps ahead.
Real financial actions, one rung at a time: a Roth IRA at sixteen, the real cost of every path at eighteen, the full 401(k) match at twenty-two. Family members attach promises to the rungs they care about.
The accounts, the habits and the history stay with Maya, and keep compounding. When she has a child of her own, the family starts the next Seed.
Illustrative product demo. Names, amounts and ages are examples, not projections or promises.
The whole arc
Green Seed is one continuous path from a parent’s first deposit to a first home. Same family, twenty years or more. Every family joins partway along.
A parent opens the right account and the family funds it. Grandparents can contribute. The money compounds for a decade before the child knows it exists.
In the pilotAllowance with a purpose. Twelve rungs across choices, growth and getting ready, plus a real curriculum for the parent, not just a dashboard.
In developmentTwenty-five real financial actions, each one confirmed and rewarded. Open a Roth IRA, buy an index fund, capture the 401(k) match, buy a house.
In the pilotThe parallel track for the parents. Twenty-five tasks from net worth to estate planning, ending where the cycle begins again.
In the pilotWhat most parents don’t know
Most parents feel underprepared to teach their kids about money, because nobody taught them either. Here are three things that change the picture.
New in 2026
A new federally backed account, the Trump Account (§530A). Children born 2025 through 2028 who are U.S. citizens with a Social Security number can get a one-time $1,000 federal contribution. No earned income needed, but a parent has to elect it on IRS Form 4547. Most parents have never heard of it.
The compound interest reality
Six years at the beginning matter more than decades at the end. A 16-year-old investing $75 a month until 65 has a median outcome of about $348,000. Start the same habit at 22 and it is about $248,000, in today’s dollars. The difference costs just $5,400 in extra contributions. Time is the one ingredient you can’t buy back.
Tax law most adults miss
Investment gains are normally taxed. Inside a Roth IRA they grow untaxed and come out tax-free in retirement. Anyone with earned income can open one, even a teenager with a first paycheck. Your own contributions can come out any time; the growth has to wait. Most people don’t open one until their 30s. A teenager who opens one now gets half a century of compounding most adults never have.
Our promises
No custody, no wallet, no balance held by Green Seed. Gifts and rewards go from your account to theirs, on your own bank’s rails. We never take a share of the rewards you set, and never earn anything on the accounts you open.
Your child marks each step done and you approve it. Automatic confirmation through a read-only connection is planned. It will check that an account exists, and never move money.
Green Seed lays out a sequence and shows the reasoning, and tells you when to ask someone who can give advice.
They take the action. You approve it. Accounts in their name become theirs, custodial accounts at the age of majority in your state.
Green Seed is in a small private pilot. Tell us a little about your family and we’ll be in touch.
Request a pilot invite