🧠💰 What if babies born in 2025 could retire before they ever work?

Have you noticed that every once in a while, an idea emerges that could change history?
One of those ideas that sounds impossible… until, suddenly, it begins to take shape.

In the United States, a public–private proposal is gaining momentum: to create an automatic fund for every child born starting in 2025, where the government would deposit more than $1,000 USD at birth, major tech companies would contribute a similar amount, and the money would be invested for 25 years as a long-term wealth portfolio.

And if this trend grows — as institutions like Brookings, the Aspen Institute, and RAND Corporation already recommend — we might be witnessing the beginning of something bigger:
A generation reaching age 25 with tens of thousands of dollars saved, enough to study, start a business… or even live without working for a while.

Can you imagine a world where every young person begins adulthood with meaningful capital?
The rules would change for everyone.

These types of initiatives are not new in global discussions.
The United Kingdom had the Child Trust Fund.
The European Union is debating “universal minimum wealth” models.
And in the U.S., economists like Darrick Hamilton and William Darity have spent a decade advocating for “Baby Bonds.”

But now there's something different:
big tech companies want to join the game, because they see something few others do:
The possibility of building the “wealth class of the future.”
And if that happens, banking as we know it will need to transform completely.

Imagine this:
A child born in 2025 could reach age 25 with an investment fund that has grown for a quarter of a century.
Not a savings account — but a diversified, automated, AI-managed portfolio.

Now think about your current bank:
Is it prepared to manage thousands of high-risk investments for clients who can’t even speak yet?

This is where the question becomes big:

• Intergenerational AI-managed funds
• Investment plans designed for newborns
• Life insurance starting at age 0
• Moderate-risk funds for the first 10 years
• Aggressive portfolios starting at age 12
• Entrepreneurship programs for youth with available capital
• Credit based on digital reputation, not just income
• 100% autonomous and predictive banking

This isn’t a futuristic dream.
It’s a logical path when you combine early savings + AI + global markets + automation.

This is where the story gets really interesting.
At Youtouch, we’ve spent years working with banks and insurance companies.
And what we see is clear:

1. The next generation of banking won’t just be digital. It will be anticipatory.
   It will understand your life before you understand it yourself.
2. Investment will be personalized from birth.
   A financial “twin” that grows with you.
3. Risk will be managed by AI that learns from millions of cases.
4. Children will be born with a financial history, even before having an ID number.
5. The portfolio of an 18-year-old will reflect their entire family, digital, and financial history.

And here a key role emerges: platforms that unite data + AI + risk + human expertise.

This is the kind of end-to-end technology we build at Youtouch:
systems that integrate multiple data sources, scoring engines, automation, and advanced analytics.

The bank of the future won’t be the one with the most branches.
It will be the one that best understands the future of people.

Imagine Chile adopting a youth wealth system:

• Every newborn receives an initial contribution.
• It is invested automatically for 20–25 years.
• At age 25, everyone has minimum capital to study, start a business, or live.

The effects would be enormous:

• Less structural inequality
• More social mobility
• More entrepreneurship
• Less dependence on credit
• Greater emotional and financial stability for young people

If you want to explore this future — and start building it today — we can help.

👉 Let’s talk at Youtouch: https://youtouch.cl/desarrollo
Together, we can anticipate the new banking era before the future arrives.