Remotely sharing a payment instrument to a client device

A computer-implemented method comprising:

• displaying, by a client device, a beneficiary user interface for creating a beneficiary user;
• obtaining, by the client device, beneficiary user data using the beneficiary user interface;
• transmitting, by the client device, to a computing device the beneficiary user data for generating the beneficiary user, wherein the beneficiary user is associated with a payment instrument account of the client device;
• displaying, by the client device, a virtual payment user interface for creating a virtual payment instrument associated with the beneficiary user;
• receiving, by the client device, a spending policy from the virtual payment user interface;
• transmitting, by the client device, to the computing device the spending policy for generating the virtual payment instrument, wherein the virtual payment instrument is associated with the beneficiary user;
• and
• receiving, by the client device, from the computing device a reference notification for accessing the virtual payment instrument associated with the beneficiary user, wherein the virtual payment instrument is configured to be restricted for a purchase based at least in part on the spending policy.

A non-transitory, computer-readable medium, comprising machine-readable instructions that, when executed by a processor of a client device, cause the client device to at least:

• display a beneficiary user interface for creating a beneficiary user;
• obtain beneficiary user data using the beneficiary user interface;
• transmit to a computing device the beneficiary user data to generate a beneficiary user, wherein the beneficiary user is associated with a payment instrument account;
• display a virtual payment user interface for creating a virtual payment instrument associated with the beneficiary user;
• obtain a spending policy through the virtual payment user interface;
• transmit to the computing device the spending policy for generating the virtual payment instrument, wherein the virtual payment instrument is associated with the beneficiary user;
• and
• receive from the computing device a reference notification for accessing the virtual payment instrument associated with the beneficiary user, wherein the virtual payment instrument is configured to be restricted for a purchase based at least in part on the spending policy.