I have 2 (very) young kids and have the following requirement:

For each kid:

-I want to send them $1 in bitcoin a day. This will have the tag "allowance"

-for the allowance incoming transaction, I want half to be spendable (no restrictions on my side), and half to be forced savings (either time locked 1yr, or maybe 2of2 multisig for 1yr)

-any other "utxo" to their address is also unrestricted

- assuming that this all happens in lightning, then once they have around $200 balance, half gets transferred to cold storage, they still see the amount, but it clearly shows its read only until it is transferred back into this hot wallet.

I think maybe LN Bits could do something like this, but it would need to be developed. Maybe fedimint?

Am I missing something that anyway exists?

There must be plenty of Bitcoiners with similar requirements?