Family member wants to send money to daughters Apple Cash but we don’t want family sharing

Anyone can send funds. The child just needs to be in a family group. The sender need not be in the same group. I send money to my niece, who is in a family group with her folks. I’m not in a family group.

Yes. Otherwise one needs to be 18 to have Apple Cash account. https://support.apple.com/en-us/HT211324

Learn more about family sharing: https://support.apple.com/en-us/HT201088