Answers
Is Snapchat safe for kids?
Snapchat requires users to be at least 13 and is built around disappearing photos, streaks and a map that can show a user's location to friends. It can be used safely by teenagers with Ghost Mode on, friend requests limited to people they know and a parent connected through Snapchat's Family Center; it is not suitable for children under 13.
Snapchat's design choices are what worry parents, more than any single feature. Messages and photos disappear by default, which makes a child less careful about what they send and makes it harder for a parent to understand what happened after the fact. Streaks reward messaging somebody every single day, which turns friendship into an obligation. Quick Add suggests people to befriend, including people a child has never met.
The Snap Map is the setting to check first. It can show a user's location to their friends, updated when they open the app. Ghost Mode hides it entirely, and for anybody under 16 there is little reason to have it on. Next, check who can contact them: Snapchat lets you limit messages to friends only, and for teen accounts it has tightened who can find and add them, but a friend list that includes people they met online undoes most of that.
Family Center lets a parent see who their teen is friends with and who they have messaged in the last week, without seeing the messages themselves, and lets them report accounts. It requires the teen to accept the connection, so it works best as something agreed together rather than imposed.
What Snapchat does not do is screen messages before they arrive. Its safety features act after the fact: reporting, blocking, and automated detection of some illegal content. A message that is cruel but not illegal arrives, and then disappears.
For a child who mostly wants to talk to classmates, a messenger without disappearing content, without a map, and without friend suggestions removes most of what makes Snapchat risky. Naven is one example: nothing disappears unless a conversation's members choose it, nobody can be found by name, location is only ever shared as a deliberate one-off message (and never for under-13s), and messages are screened before they are sent. It is not a camera app and has no public stories, which is the trade-off.