ESA & SFO Treasury

Education Funds.
Protected & Compliant.

Managing ESA or SFO funds means accountability to families, states, and auditors. Grain & Vault provides 100% protection with built-in compliance automation and instant parent disbursements.

100% student fund protection - every dollar accounted
Automated compliance with state ESA/SFO requirements
Instant parent disbursements with spending controls
The Three-Layer Model

Student Funds Deserve
Maximum Protection

Layer 1

Protected ESA Funds

Every student's education dollars are 100% protected. Full accountability to families and state regulators.

  • 100% fund protection
  • Per-student accounting
  • Audit-ready reporting
Layer 2

Disbursement Credit

Instant parent disbursements with 0% credit. No more waiting for funds to clear - education doesn't wait.

  • 0% interest disbursements
  • Instant parent payments
  • Spending controls built-in
Layer 3

Program Growth

Network appreciation grows your program's capacity. Serve more students without additional state funding.

  • Expanded student access
  • Lower admin costs
  • Sustainable growth
Built for Education Finance

Treasury That Serves
Students & Families

Everything an ESA or SFO manager needs to protect funds, ensure compliance, and serve families efficiently.

Student Fund Protection

Every education dollar is 100% protected. Families trust that their child's funds are safe and accounted for.

Compliance Automation

Built-in compliance with state ESA/SFO requirements. Automated reporting, eligible expense validation, and audit trails.

Instant Parent Disbursements

Parents receive funds in seconds. No more waiting weeks for reimbursements or vendor payments.

Spending Controls

Automatic validation of eligible education expenses. Block non-qualifying purchases before they happen.

Vendor Management

Approved vendor network with direct payment. Simplify tuition, tutoring, and curriculum payments.

Audit-Ready Reporting

One-click reports for state auditors. Per-student accounting, expense categories, and compliance status.

Trusted by Education Organizations

From state ESA programs to private scholarship funds, education organizations trust Grain & Vault for compliant fund management.

State ESA Programs

Manage state-funded Education Savings Accounts with full compliance automation and parent accessibility.

Scholarship Fund Organizations

Private SFOs can protect donor funds while disbursing tuition payments to approved schools instantly.

Microschool Networks

Manage funds across multiple microschool sites with per-student tracking and vendor payments.

Homeschool Cooperatives

Pool and protect family contributions while paying tutors, curriculum vendors, and enrichment providers.

Ready to Protect
Student Funds?

Join education organizations using Grain & Vault for compliant ESA and SFO fund management.

Compliance-ready from day one. Built for education finance.

Grain & Vault | Protected Treasury. Zero Friction Payments.