I was thinking about integrating people that don’t use Monzo. I think it would it be great to have people download the app and get verified by some method (maybe linking a bank account), and then have a “virtual card”. The reason for this is as follows. I was thinking about the idea of having a “kitty” function for things like a night of drinking, but it didn’t seem feasible unless everyone had Monzo. My idea is a “contribute and spend from shared funds” is as follows:
The non-monzo user gets the app and registers as a user.
They link a bank account. If they don’t want to link a bank account, the app only functions as a balance display to a shared funds group (like a kitty).
Once a bank account is linked, they can join and add funds to shared groups (e.g. “kitty”), created by full Monzo users and contribute some money. (Maybe you should limit group creation to full members as a security measure?). This in turn gives them access to a Monzo “pre-paid” eCard called “Kitty” in their phones wallet.
The non-monzo user can then see the available balance on the group “Kitty”, who spent what, and also spend available funds via the ecard.
This also gives me the idea of a Monzo “pre-paid-e-card”. Top money up on it and use as you will.