does a child have to be 13 to use apple family cash

Per Apple: To send and receive money with an Apple Cash account, you must be 18 and a U.S. resident. If you’re under 18, your family organizer can set up Apple Cash for you as part of their Apple Cash Family account… Apple Cash Family accounts can send or receive up to $2000 per transaction or within a seven-day period. Sending money from Wallet requires iOS 15.5 or later.

Hello ~ Take a look here…

Set up and use Apple Cash Family - Apple Support

~Katana-San~