Debit card
Physical and digital debit linked to the student's checking account, with instant freeze, alerts and spending controls.
Cards for campus — and for building credit.
A debit card for day one, designs that carry a university's identity, and a credit-building path for students who arrive with no U.S. credit history — each issued by a partner bank under its own program.
Simba MoneyStudent
•••• 2048
Amina K.Debit
Illustrative concepts · not available
§ 01 Card concepts
Four programs, one wallet.
§ 02 The programsIssuer selection open
What each card is for — and what it needs.
No card or credit program is available today. Any future offer will depend on an issuing partner, its underwriting and the applicable rules.
Campus-branded design
Designs that carry a university's identity — only with institutional permission, issuer approval and card network review.
Secured credit
A refundable security deposit sets the limit, giving students a way to start a U.S. credit history from zero.
Unsecured credit
Under evaluation with lenders, including underwriting approaches suited to students without U.S. credit history.
Digital wallet
Cards ready for mobile wallets on day one, so students can pay before a physical card arrives.
Controls & security
Freeze and unfreeze, merchant and international controls, and real-time transaction alerts.
§ 03 Student credit, done carefully
Credit for students is closely regulated. We design for that.
Any credit program will be built with the issuing lender around these federal requirements — before a single application is taken.
| Requirement | What it means | How we'll address it |
|---|---|---|
| Applicants under 21Reg Z · 12 CFR 1026.51(b) | Card issuers must see independent ability to pay — or a qualified cosigner — before opening an account for a consumer under 21. | Eligibility and documentation flows designed with the lender's underwriting policy. |
| Ability to payReg Z · 12 CFR 1026.51(a) | Issuers must consider a consumer's ability to make the required minimum payments. | Income and obligation data collected only as the lender requires, with clear explanations. |
| Campus marketingReg Z · 12 CFR 1026.57(c) | No tangible items may be offered to college students to induce credit applications on or near campus or at college-related events. | No campus giveaways tied to credit products — campus programs focus on debit and education. |
| College card agreementsReg Z · 12 CFR 1026.57(b), (d) | Institutions must disclose credit card marketing agreements, and issuers report them to the CFPB annually. | Any university-linked credit arrangement documented for disclosure and reporting from the start. |
| Fair, explained decisionsECOA · Reg B · FCRA | Credit decisions must be non-discriminatory, with adverse action notices and accurate credit reporting. | Lender-owned decisioning and notices, surfaced to students in plain language. |
Summary for discussion purposes only; not legal advice. Applicable requirements will be confirmed with the issuing partner and counsel.
Now selecting launch partners
Build the U.S. student platform with us.
We're speaking with sponsor banks, card and payment providers, universities and specialist service partners. Tell us what you bring — we'll show you exactly where it fits.