Dude just give them blue wallets then import the XPUBS to each of thier phones they can always generate new addresses to deposit but never be able to spend plus they can see the balances at anytime

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This is called a watch only wallet.

Yes what TK CTV said. Super easy to do. No need to pay someone. You could even use your own private key to derive their wallets so that if they lose their phone or their accounts you can recover the accounts for them. Aunty Jim style.