When enrolling in a new 529 through Betterment, the Betterment user must be the account owner of the 529. A user cannot enroll in a 529 on behalf of another account owner. However, existing 529 accounts that Betterment integrates with may be connected and contributed to through Betterment regardless of who the account owner is.
There are no beneficiary restrictions associated with 529 accounts, however if the account owner is the beneficiary of the 529 account, the account owner’s employer cannot match their contributions. All other features are still available to these users.