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One product for parents and children, with different needs and permissions.

Sector
Family finance and schools
What we did
Product strategy, multi-app UX, new product design
Products
Parent, child, school and merchant
01What needed changing

A literacy app taught children to save, but gave families no safe way to use real money. Parents, children, schools and merchants each needed something different from the same child’s balance.

02Decisions we made

What we chose, and why.

01

Make the parent the authority, not a bank customer.

Parents fund from accounts they already use, and keep funding, approvals, limits, visibility and blocking as separate controls.

Parents, children, schools and merchants, connected by money movement, parental authority and school oversight
Parents, children, schools and merchants, connected by money movement, parental authority and school oversight
02

Let money behave by purpose.

Goal money is locked, tag money spends only at approved merchants and transfers run on their own rail, so the app shows three rails instead of one balance.

Three rails with three sets of rules: locked savings, approved-merchant spending and transfers
Three rails with three sets of rules: locked savings, approved-merchant spending and transfers
03

Keep spending inside approved places.

Schools decide which merchants accept a child’s tag, so children are not walking around with spendable money.

The school admin roster: linked guardians, tag status and weekly spend per student, names masked
The school admin roster: linked guardians, tag status and weekly spend per student, names masked
03The work

The moments that matter.

Redrawn from the shipped product with representative data.

A savings goal with progress and contributions, waiting for a parent to release it
A savings goal with progress and contributions, waiting for a parent to release it
When a goal is reachedReaching a savings goal is a decision for the parent, not an automatic unlock.
A canteen tap result: paid, what is left for today, and the outcomes a tap can have
A canteen tap result: paid, what is left for today, and the outcomes a tap can have
When a child taps to payThe child, the till and the parents see the same result, and a decline names the rule that stopped it and who can lift it.
04What followed

What followed

3,416active usersSource: Earlybean backend snapshot, July 2026
10schools and merchants onboardedSource: Earlybean backend snapshot, July 2026
₦48.29mcumulative inflowsSource: Earlybean backend snapshot, July 2026
—Who leads the workAbout us →

The same people, from the first call to launch.

Tomiwa OgunmodedeOwns framing, product, brand, experience and the critical creative and commercial decisions.
Adejoke AdedapoOwns client strategy, communications, media thinking, delivery and the commercial rhythm around the work.
Balogun AbiodunOwns engineering architecture, feasibility, integrations and turning decisions into resilient working software.
—Keep going

If this sounds familiar.

Making money movement understandable and dependable.Mular · Payments
How this kind of work usually startsBuild EngagementFixed project quote · agreed deliverablesTry it on your own companyFounder Check4 minFree. Your score on screen; the full report by email.More work like thisProjects where adoption changed →