Mum and dad’s bankThe guide
Mum and dad’s bank (Banque de papa et maman) is a virtual piggy bank you run for your child. Pocket money can go “to the bank”, the bank (you) pays generous interest to learn from, and your child watches the money grow on a page of their own.
▶ The 90-second video: why it helps with compound interest, how to deploy it, what parents do and what kids see (French and English subtitles).
About languages. The app is French first. The screens you see before your bank exists (welcome page, invitation, creating the bank, recovery card) are always in French; this guide gives each French button with its translation. Once your bank exists, switch it to English in Réglages → Langue → English: your parent space and your children’s pages change, whatever their phones are set to.
- 1. Ask for an invitationSomeone you know already hosts an instance of the "bank of mum and pop" application? You just need to ask them a code to setup an account for your family.
- 2. Install your own version of the bank of mum and popOn your free Cloudflare account, in five minutes, with the “Deploy” button.
- 3. Create your child’s bank account in the bank of mum an popThe steps, the recovery card, and what to do every week.
- 4. What children seeThe balance, the filling coin, the chart, the passbook.
Who does what
| The host | Installed the app on their Cloudflare account and creates invitations from the /admin page. They cannot read any bank: no names, no amounts, no notes. |
|---|---|
| The parent | Runs the bank: Sunday coins, deposits, withdrawals, the interest rate. They need to stay liquid to pay their kids :). Also they have a secret parent link and 12 recovery words. |
| The child | Looks at their bank account with their own link, on their phone or tablet. They cannot change anything. |
The promise
- No account, no e-mail, no password. Your bank opens with your parent link and is recovered with your 12 words.
- Everything is encrypted on your phone before it is sent. The server only keeps files it cannot open.
- No logs, no analytics, no request to any other site.
- Your data is yours: a backup in one tap, which opens even without internet.
No recovery is possible without your 12 words or a backup. That is the price of privacy: nobody, not even the host, can find your bank for you. Create the bank explains what to keep, and where.