Government-grade secure · FedRAMP aligned · SOC 2 Type II certified

The smarter way to manage
Education Savings Accounts

One unified platform for state authorities, vendors, service providers, and families — purpose-built to make ESA administration transparent, lightning-fast, and fraud-resistant across every state.

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256-bit encryption
SOC 2 Type II
ACH compliant
12 states active
$2.4B+
ESA funds managed
across all states
84,000+
Student beneficiaries
actively enrolled
1,800+
Approved vendors
on the marketplace
99.8%
Platform uptime
over last 24 months
Platform capabilities
Everything ESA administration needs

From wallet provisioning to ACH payouts — every step of the ESA lifecycle handled in one place, for every stakeholder.

Smart wallet provisioning
Upload beneficiary manifests and wallets are provisioned automatically. Magic-link activation emails dispatch to every family within minutes — no manual setup required.
AI-powered claims review
Every reimbursement and DirectPay claim is scored by AI. High-confidence items auto-approve. Only edge cases reach your reviewers — saving your team hours every single day.
Approved vendor marketplace
Families shop a curated catalogue of 4,800+ ESA-approved products from verified vendors. Cart eligibility is checked line by line before any funds are released.
Nightly ACH payout engine
Approved claims batch automatically into nightly ACH runs. Vendors and families get paid on a reliable schedule with full transaction audit trails and automatic failure handling.
Fraud detection & audit trail
Every action — from login to payout — is logged immutably. AI flags anomalies in real time. Compliance auditors get complete read-only access to every record.
18-role access control
State admins, claims reviewers, vendors, service providers, parents, and students each see only what's relevant to their role — purpose-built for every stakeholder.
Who it's for
Built for every stakeholder

Role-based access means every user sees exactly what they need — nothing more, nothing less. 18 distinct roles across 4 entity types.

SA
Super Program Admin
State Authority
Full platform access — manage all grants, approve escalations, and oversee all states and all activity.
GA
Grants Admin
State Authority
Upload beneficiary manifests, provision wallets, and manage grant fund allocation across the programme.
CR
Claims Reviewer
State Authority
Adjudicate reimbursement and DirectPay claims using AI confidence scoring. Approve, reject, or escalate.
CA
Compliance Auditor
State Authority
Read-only audit access across all accounts, transactions, and payout records for compliance reporting.
AO
Vendor Account Owner
Vendor
Manage your vendor profile, monitor payouts, track compliance requirements, and expand to new states.
CM
Catalog Manager
Vendor
Submit products for ESA approval, manage catalogue listings, and monitor incoming marketplace orders.
IS
Service Provider
Vendor
Submit service invoices, manage teaching credentials, track payment status, and expand to new states.
PW
Primary Wallet Holder
Beneficiary
Shop the marketplace, submit claims, track orders, manage wishlists, and oversee your child's ESA funds.
How it works
From grant to purchase in minutes

A streamlined end-to-end flow designed to get ESA funds into the right hands — quickly, compliantly, and with a complete audit trail at every step.

1
State uploads beneficiary manifest
Grant Admins upload encrypted CSV files. Wallets are provisioned automatically and magic-link activation emails dispatched to each family within minutes.
2
Families activate & shop
Parents click their magic link, complete KYC verification, and activate their wallet. They immediately access the approved vendor marketplace, build a cart, or submit reimbursement claims.
3
Claims reviewed & funds disbursed
AI scores every claim. High-confidence items auto-approve. Vendors and families receive ACH payment through the nightly batch engine with full state audit logging.
From our users
Trusted by administrators, vendors & families

Real feedback from the people who use ESA Platform every day across 12 states.

★★★★★
"The AI claims scoring alone has saved our team hours every week. High-confidence approvals go through automatically and we only touch the edge cases. It's transformed how we run the programme."
DA
Diana Avery
Claims Reviewer · Arizona Dept. of Education
★★★★★
"Onboarding our tutoring business was straightforward — document checklist, EIN verification, background checks all in one place. We were approved in two days and our first invoice paid in the next ACH run."
BM
Brian Marsh
Vendor Account Owner · Bright Minds Tutoring LLC
★★★★★
"As a parent managing my daughter's ESA I was nervous about the complexity. The platform made it simple — I can see our balance, shop approved products, submit a receipt on my phone, and track the reimbursement all in one place."
SA
Sarah Alvarez
Primary Wallet Holder · Arizona ESA Parent
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