After considering the MVP for improving credit scores with the lowest lift it looks like we're going to start with the Visa API
this is a good first step, and while it won't provide access to higher interest rates like a USDC stablecoin account would, it's one less step and allows us to work with traditional finance mechanisms.
on the python side
pip install --upgrade visa --user
to work with the visa API tools in jupyterhub
notably visa has some crypto APIs built already
Also - reaching out to the UVa Credit Union to look at the secured credit card