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SpendSmart Networks
SpendSmart Networks markets a prepaid MasterCard that lets parents control and monitor teen spending, based in San Diego.
SpendSmart Networks
Headquartered in San Diego, The SpendSmart Payments Company offers a prepaid reloadable MasterCard designed for teenagers 13 to 18. Its common stock trades under the ticker SSPC. The product is built around parental oversight: adults load funds from a bank account, credit card, or mobile app, then track spending as it happens. The firm's product sits inside the broader prepaid-card market, blending consumer payments with a financial-literacy wrapper. Its core differentiator is the parental control layer — instant card locking, recurring allowance scheduling, and real-time text or email alerts — wrapped around a basic reloadable instrument. There is no credit component; the card declines when empty. SpendSmart does not disclose a portfolio of investments, co-investors, or fund-structure details on its site. Team size and total transaction volume are undisclosed. SpendSmart maintains a resource center and publishes a blog aimed at teaching teens to spend wisely. An eBook series covers how parents can discuss personal finance. The company has not shared recent operating metrics or headcount figures publicly. A structural wrinkle is that SpendSmart is a public reporting company with minimal traditional investor-relations presence beyond a contact — Laurel Moody at Corporate Profile, LLC — and an email address. There is no separate management company or philanthropic arm visible.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
San Diego
Corporate office
San Diego, CA, United States
Principals
Laurel Moody
Investor Relations Manager
Sector focus
Frequently asked questions
Is SpendSmart Networks a family office or an operating company?
It operates as a publicly traded company (ticker SSPC), not a family office or private investment manager. Its business is issuing prepaid debit cards for teens, not managing a portfolio of external assets.
How does SpendSmart make money?
The firm generates revenue from interchange fees on card transactions and cardholder fees associated with the prepaid reloadable MasterCard program. It does not charge interest, since the card carries no credit line.
Does SpendSmart invest in other companies or manage third-party capital?
There is no public evidence that SpendSmart invests in other companies or manages outside capital. Its disclosures describe a single-product operating business, not an investment manager or family office vehicle.
Who runs SpendSmart Networks?
SpendSmart's primary investor-facing contact is Laurel Moody, an investor relations manager operating through Corporate Profile, LLC. The firm has not published a full executive team or management roster on its website.
What consumer protections exist on the SpendSmart card?
Because the card is prepaid rather than a credit product, teens cannot spend beyond the loaded balance. Parents receive optional real-time transaction alerts and can lock or unlock the card instantly from a mobile device.
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