Neo Financial, Tangerine, Simplii Financial and all the major canadian banks (i.e: TD, Scotiabank, CIBC, BMO, RBC, Desjardins) allow for users to get a debit card as early as 14 years old, or 16 years old for Tangerine, Scotiabank, Simplii and PC Financial, KOHO could easily make more business by allowing people of those ages to sign up for KOHO. Of course, stuff like Cover and other stuff that requires contracts shouldn't be available for Youth until they turn 18-19, but otherwise, I don't think there's any valid reason to NOT allow Youth on your platform, plus, this would be some good competition with Neo Financial since they offer a JA Money card for Youth over 14 with cashback, a high interest savings account and a mastercard "debit" card. Even legally speaking there's no reason to restrict this, so why not just do it?