Abstract: A method implemented by one or more computer servers associated with a financial services platform includes receiving a request to provision a secondary user account for financial capabilities through sponsorship by a primary user account. The secondary user account can be provisioned only upon creation of the primary user account. In response to receiving a confirmation to provision the secondary user account, the method includes provisioning the primary user account and then the secondary user account. The method includes generating a credit account for the primary and secondary user accounts, and generating a deposit account for the primary user account. The primary user owns the deposit account, which holds funds to secure repayment of balances of the credit accounts. The method includes generating one virtual spending card for each of the credit accounts, in which the virtual spending cards service transactions with respect to the primary and secondary user accounts.