Rego Payment Architectures Stock Price, News & Analysis

Rego Payment Architectures, Inc. (OTCQB: RPMT), often referred to as "REGO," operates in the information sector as a software publisher focused on digital financial tools for families. According to multiple company announcements, REGO provides a family digital wallet and a white-label family financial lifecycle platform that financial institutions can deploy under their own brands. The platform is designed so that banks, credit unions, fintechs, and other organizations can let children and other family members spend, save, donate, and invest in a controlled, compliant environment.

REGO states that it was founded in 2008 and that its technology has been built from the ground up to protect children’s data privacy. The company highlights that it is the only family digital wallet platform it knows of that is certified COPPA (Children's Online Privacy Protection Act) compliant and third-party GDPR (General Data Privacy Regulation) compliant. In several disclosures, REGO also notes that it has been awarded multiple patents related to the safety of parent and child data, including age verification of users and controls around parent–child account relationships.

Business focus and platform model

Across its news releases, REGO consistently describes itself as a white-labeled family financial lifecycle platform. Financial institutions can deploy REGO’s products either as a stand-alone white-labeled application or fully embedded into their existing digital banking apps. The company emphasizes that deposits and financial relationships remain with the financial institution, while REGO provides the underlying technology, compliance framework, and user experience for family-focused banking.

REGO’s platform is used to support youth banking, senior financial management, and, in some communications, a planned small business purchase product. The youth and senior offerings are positioned as tools that help institutions attract and serve entire families, deepen engagement with existing customers or members, and address specific financial literacy and protection needs.

Core products and solutions

Based on the company’s own descriptions, REGO’s platform currently centers on three main product areas:

• Youth banking product – A white-labeled solution that allows financial institutions to offer a branded youth banking experience. Children can earn, spend, save, donate, and invest fractionally with full parental control and oversight. Parents can track and manage their children’s financial activity while keeping deposits at the sponsoring bank or credit union.
• Senior Financial Management (SFM) product – A white-labeled banking solution that provides oversight and insight into the financial activity of elderly adults. It is designed so caretakers and fiduciaries can monitor accounts, watch for unusual behavior, and help guard against fraud, even when seniors bank at multiple institutions. REGO describes this as built on the same secure and compliant platform as its youth banking product.
• Planned small business (non-FI) purchase product – REGO has discussed a forthcoming solution intended to allow small businesses that are not financial institutions to issue debit cards to employees or field teams with custom spending limits and retailer-specific restrictions. This product is described as a planned future launch and is presented as an expansion of REGO’s reach beyond traditional financial institutions.

Together, these offerings are described by the company as a family financial lifecycle approach, targeting needs from childhood through older adulthood.

Compliance, privacy, and accessibility

REGO places significant emphasis on regulatory compliance and data privacy. In its public statements, the company notes that its platform is:

• COPPA-certified for children’s online privacy protection, with certification by PRIVO referenced in one release.
• Third-party GDPR-compliant, addressing data protection and privacy requirements for personal data.
• ADA-compliant for visual disabilities, which the company cites as part of its accessibility posture.
• Equipped with multi-lingual support to serve diverse banking communities.

REGO also states that it has been invited to provide testimony to a U.S. House of Representatives subcommittee on the importance of stronger regulations to protect children’s financial data and privacy. The company has publicly expressed support for the Kids Online Safety and Privacy Act (KOSPA), framing this legislation as aligned with its founding intent to prioritize children’s safety and privacy in financial technology.

Technology integrations and partnerships

According to multiple news releases, REGO works with technology partners and financial institutions to extend the reach of its platform:

• Jack Henry digital banking ecosystem – REGO has announced participation in the Jack Henry Vendor Integration Program (VIP) and integration with Symitar via SymXchange, as well as access to the Banno Digital Toolkit. These integrations are described as enabling community and regional financial institutions using Jack Henry platforms to deploy REGO’s youth and senior financial management products more easily.
• Lumin Digital partnership – REGO has disclosed a strategic partnership with Lumin Digital, under which Lumin’s client institutions can launch a youth banking product using their own brand while relying on REGO’s family wallet technology.
• Bangor Savings Bank – REGO has selected Bangor Savings Bank as its banking services provider for its youth banking platform, enabling banks and credit unions to offer a white-labeled youth banking app that can be used to engage families who may not yet bank with them.
• Camden National Bank – Camden National Bank has launched Family Wallet, a youth banking platform delivered in partnership with REGO, which the bank describes as a secure, parent-controlled experience for children to earn, save, and spend under its brand.
• Aambé Financial alliance – REGO has announced a strategic partnership with Aambé Financial to bring its youth banking, elder financial care, and fractional investing offerings to tribal governments, enterprises, and families across federally recognized tribes in the United States.

Through these relationships, REGO presents itself as a technology partner that embeds into existing digital banking ecosystems rather than a consumer-facing bank.

Senior financial management focus

In several communications, REGO highlights the growing problem of financial fraud targeting seniors and positions its Senior Financial Management product as a response. The company cites external research indicating that Americans over age 60 have experienced significant financial losses due to fraud and that many adults are involved in managing their parents’ finances.

REGO’s SFM product is described as providing:

• Comprehensive account visibility across checking, savings, credit cards, and investment accounts.
• Bill payment reminders to help prevent missed payments.
• Spending variance alerts that flag unusual behavior.
• Transaction monitoring to detect unauthorized or suspicious activity.
• Fraud detection alerts powered by a proprietary Protection Score.
• Cash flow projections to help families plan for future expenses.

The company frames this offering as a way for financial institutions to help adult children and caretakers monitor and protect the financial well-being of elderly loved ones, while maintaining or deepening the institution’s relationship with those customers.

Youth banking and financial literacy

REGO’s youth banking product is repeatedly described as a parent-controlled, COPPA-compliant family digital wallet. Children can earn, spend, save, donate, and invest (including fractional investing, where noted) within guardrails set by parents. REGO presents this as a tool for financial literacy, allowing parents to teach their children to be smarter shoppers, savers, givers, and investors while using the sponsoring institution’s brand.

The platform is positioned as suitable for banks, credit unions, and fintechs of all sizes, which can offer the youth banking experience either as a stand-alone white-labeled app or integrated into their existing digital banking interfaces. Several partner announcements emphasize that this can help institutions attract deposits from younger account holders and build long-term loyalty with families.

Market positioning and sector role

Across its releases, REGO describes itself as a white-label family digital wallet and financial lifecycle platform serving the needs of financial institutions that want to bank the entire family. The company operates in the software publishers industry within the broader information sector, focusing on digital banking, data privacy, and family-oriented financial tools.

In addition to product development, REGO has sponsored or announced research on Senior Financial Management as an emerging category of digital banking products, highlighting what it views as a revenue opportunity for financial institutions that offer tools to help adults manage the finances of aging relatives.

Patents and intellectual property

REGO notes that it holds multiple patents related to the safety of parent and child data. These patents are described as covering areas such as age verification, parent–child account controls, goal-based savings tools, and parental contribution matching. The company points to this patent portfolio as part of its technology differentiation in family-focused digital banking.

Stock and trading information

REGO’s common stock is referenced in company communications as trading on the OTCQB market under the symbol RPMT. No additional trading status changes, delistings, or deregistrations are indicated in the provided information.

FAQs about Rego Payment Architectures, Inc. (RPMT)

• What does Rego Payment Architectures, Inc. do?
  
  REGO develops and operates a family digital wallet and white-label family financial lifecycle platform that financial institutions can use to offer youth banking, senior financial management, and related family-focused financial tools under their own brands.
• How does REGO describe its youth banking product?
  
  The company describes its youth banking product as a white-labeled solution that lets children earn, spend, save, donate, and invest with full parental control and oversight, while keeping deposits at the sponsoring bank or credit union.
• What is REGO’s Senior Financial Management (SFM) product?
  
  REGO’s SFM product is a white-labeled senior financial management solution that gives caretakers and fiduciaries visibility into seniors’ financial activity, with features such as account visibility, bill reminders, spending alerts, transaction monitoring, fraud detection alerts using a Protection Score, and cash flow projections.
• How does REGO approach data privacy and compliance?
  
  REGO states that its platform is COPPA-certified for children’s online privacy, third-party GDPR-compliant, and includes ADA-compliant features for visual disabilities and multi-lingual support. The company emphasizes that it was built from the ground up to protect children’s data privacy.
• Who are some of REGO’s partners?
  
  According to its announcements, REGO has relationships with organizations such as Jack Henry (through the Vendor Integration Program and Symitar/SymXchange), Lumin Digital, Bangor Savings Bank, Camden National Bank, and Aambé Financial, which use or support its platform for youth and family-focused banking solutions.
• What is the significance of REGO’s patents?
  
  REGO reports holding multiple patents related to protecting parent and child data, including age verification, parent–child account controls, goal-based savings tools, and parental contribution matching. These are presented as key elements of its technology for safe, family-oriented digital banking.
• How can financial institutions deploy REGO’s platform?
  
  Financial institutions can offer REGO’s products as a white-labeled stand-alone application or fully integrated into their existing digital banking platforms, depending on their technology stack and strategic goals.
• What role does REGO play in policy and regulation discussions?
  
  REGO has publicly supported the Kids Online Safety and Privacy Act (KOSPA) and has been invited to provide testimony to a U.S. House subcommittee on protecting children’s financial data and privacy, reflecting its stated focus on child safety in financial technology.
• When was REGO founded?
  
  The company states that it was founded in 2008, with a focus on creating a secure environment for children’s financial literacy and parent-supervised financial activity.
• On which market does RPMT trade?
  
  REGO’s common stock is referenced as trading on the OTCQB market under the ticker symbol RPMT.