MinorMint: Sovereign AI Wallet

Today’s youth are digital natives but remain financially marginalized. Parents hesitate to give teens full financial autonomy due to fears of impulsive spending, while traditional bank accounts offer zero guidance at the point of sale. Enter MinorMint: A sovereign, AI-powered Web3 wallet designed for the Agentic Economy. MinorMint redefines financial literacy by replacing rigid parental controls with a smart "AI Guardian" powered by Gemini. How it works: 1. The AI Guardian Engine: Every transaction is analyzed in real-time based on the user's available balance and the context of the purchase. If a teen wants to buy a $15 coding book, the AI approves it instantly as a growth investment. If they attempt to spend a large portion of their liquidity on gaming, the Guardian intervenes, challenging the decision and suggesting they move 50% to their savings vault first. 2. Dual-Vault Architecture: Funds are split into "Liquid Cash" (available for AI-approved spending) and a "Locked Vault" (protected savings), actively encouraging healthy financial habits. 3. Web3 & MPC Rails: Built to handle stablecoins (USDC) with account abstraction, ensuring global, borderless accessibility and bank-grade security without the friction of complex seed phrases. MinorMint isn't just a wallet; it's a financial mentor. By leveraging AI to evaluate the intent behind a transaction, we empower teenagers to make sovereign, intelligent decisions, paving the way for a financially responsible generation