Chore-linked allowance
Parents define chores and rates; completed work releases allowance automatically. Effort and reward stay connected.
FamiliesArasaba Oy — Helsinki, Finland
Banking infrastructure for the generation that comes next.
Arasaba builds Mozart — a youth debit card and financial-literacy platform that teaches Nordic families to handle money with intent, on fully regulated European rails.
100%Parental visibility
€0Cost to families
24/7Instant card freeze
Designed for regulated Nordic banking rails
The platform
Money a family can teach with.
Mozart pairs a real debit card with the habits behind it — structured saving, deliberate spending and everyday generosity — so financial literacy is learned by doing, not by lecture.
Parental oversight
Real-time visibility, spending limits, merchant categories and instant card freeze — control that scales down as trust scales up.
FamiliesChildren's discounts
Cardholders unlock exclusive discounts at vetted partner merchants — every purchase stretches further, and partners meet families on fair terms.
PerkLiteracy curriculum
In-app lessons mapped to the Finnish national curriculum, ready for classroom licensing and teacher-led modules.
SchoolsRegulated rails
Issued in partnership with licensed European banking-as-a-service providers, with strong customer authentication end to end.
CompliancePrivacy by design
Children's data is minimised, never sold, and handled to GDPR standards written for minors — the strictest bar in Europe.
ComplianceThe product
Mozart. A first card worth keeping.
A debit card for school-age children, an app their parents actually trust, and a curriculum their teachers can use. Free for families — funded by carefully vetted brand partnerships and school licensing.
Real cardA debit card that works everywhere, inside limits the family sets together.
Real habitsGoal-based saving with visible progress and milestone rewards.
Real perksBuilt-in children's discounts at partner merchants across the Nordics.
DEBIT · EU
A. Virtanen
MOZART
Who it serves
One platform. Four constituencies.
Families
A safe first step into money
No fees, no credit, no surprises. Parents keep full visibility while children build real habits with real euros — and save more with member discounts.
Schools
Financial literacy that sticks
Curriculum-aligned modules and classroom licensing turn an abstract subject into daily practice students carry home.
Brand partners
The most trusted audience in the Nordics
Reach families through sponsorship and discount programmes that are transparent, consent-based and compliant with Finnish rules on marketing to minors.
Investors
Decision-gated, capital-efficient growth
A lean cost base and expansion gated on evidence — not on the calendar.
Partnership
Families never pay. Partners make it possible.
Mozart is free for every family. The platform is funded through brand sponsorship and school licensing — tiers designed for the launch cohort, priced for the long term.
Launch sponsor
Pricing on request
Back the first cohort and be there from the first card issued.
- Named sponsor across the launch cohort
- Children's discount placement in-app
- Quarterly engagement reporting
- First option on regional expansion
Regional partner
Pricing on request
Anchor the national expansion with category exclusivity.
- Category exclusivity in your vertical
- Featured children's discount programme
- In-app sponsored savings goals
- School programme co-branding
- Monthly cohort analytics
School licence
Pricing on request
Bring the curriculum and card programme to your classrooms.
- Curriculum-aligned lesson modules
- Teacher dashboard and training
- Municipal data-processing agreement
- Rollout support in Swedish and Finnish
All sponsorship is disclosed to families and complies with Finnish consumer rules on marketing to minors.
Questions
Asked often. Answered plainly.
Cards are issued in partnership with licensed European banking-as-a-service providers operating under EU payment regulation and FIN-FSA supervision. Arasaba runs the product and the platform; the money always sits on regulated rails.
We collect the minimum needed to run the card, apply GDPR's heightened standard for minors, and never sell personal data. Parents hold the account relationship and control consent at every step.
Only when it is done in the open. Every sponsorship is disclosed to parents, opt-in, and structured to comply with Finnish Consumer Ombudsman guidance on marketing to minors. Partners fund the platform so families never have to.
Partner merchants offer verified discounts to Mozart cardholders, applied automatically at checkout or through in-app offers. Families save on everyday purchases; partners reach a loyal audience on transparent, parent-approved terms.
Nothing. No subscription, no card fee, no hidden interchange games. The platform is funded by brand partnership and school licensing, and we intend to keep it that way.
Use the contact form below or write to us directly. We share a concise investor brief covering the launch design, financial scenarios and expansion gates, and we respond to every serious enquiry personally.
Next step
The next generation opens its first account soon. Be behind it.
Investors receive the full brief — launch design, scenario models, and the decision gates that govern expansion. Partners receive a tier proposal within one week.
or write directly — contact@arasaba.com
Contact us
Tell us who you are. We'll take it from there.
Whether you're a parent, a school, a brand or an investor, every message lands with the founding team — and every serious enquiry gets a personal reply.
contact@arasaba.com