CoinQuest

Financial literacy, K–12 — one world at a time.

An instrumented adaptive engine that turns K–12 learning into measurable mastery — built for districts, safe by design, live today.

INPUT → ENGINE → TELEMETRY → OUTPUT → ECONOMICS → ASK

Jamal Reaves · Founder · Reaves Labs & Learning · coinquest.reaveslabs.ai

01 · The gap

Required by more states every year — taught well almost nowhere.

30 states now mandate personal finance, and the count climbs annually. Yet students still graduate unable to budget, save, or manage credit — because exposure-based curricula don't build mastery, and they don't measure it.

02 · Why now

A mandate wave with no measurable, adoptable answer.

30 states

now require a personal-finance course (NGPF, 2025) — Delaware was the 30th.

73% of grads

of high-school students will get financial education before graduating — up from just 9% in 2017 (NEFE, 2025).

~0 measure it

incumbents prove exposure, not mastery. Districts need evidence to spend.

The tailwind is real. The missing piece is a system that teaches by doing and instruments the learning.

03 · The thesis

CoinQuest is an instrumented learning system — not a content library.

INPUT

Students + content6 worlds, 6 guides, 184 modules, K–12.

ENGINE

CALEAdaptive, rules-based, prerequisite-aware.

TELEMETRY

Mastery signalTransparent, auditable estimate + error diagnosis.

OUTPUT

District reportingHeat maps, dashboards, retention.

ECON

Unit economics80% margin · ~5× LTV/CAC.

Every screen produces signal; every signal compounds into measurable mastery and district-grade evidence. That instrument is the moat.

04 · Input — the content substrate

Six worlds, six AI guides, one progression.

K–2

Copper

Penny Island

3–4

Clover

Treasure Trail

5–6

Marco

Galaxy Station

7–8

Aria

City Arena

9–10

Sterling

Summit Labs

11–12

Morgan

Executive Suite

188

modules

financial domains

L1–L6

Bloom's depth, per skill

∞

AI content engine — generated server-side, synced; lessons run on-device, offline.

05 · Input — experienced

The live demo: Galaxy Station with Marco (Gr 5–6).

A ~10-minute budgeting lesson — students drag, tap, and build; the engine logs every response for speed, accuracy, and misconceptions in real time.

Teach firstConcept before quiz — 50/30/20, needs vs. wants, the Word Bank.

Do itSort $500, build a budget, make the smart-spending choice.

See the signalCALE recap shows how the mastery score was earned.

WALK IT LIVE → coinquest.reaveslabs.ai

06 · The engine

CALE — the Competitive Adaptive Learning Engine.

It doesn't just quiz. It turns each response into signal and adapts the path — no two students get the same one.

Smart reviewResurfaces a concept right before it fades — retention, not cramming.

Fair scoringAsymmetric — genuine mastery moves the score, not luck.

PrerequisitesNever tests a concept before its foundations unlock.

Teaching momentsAfter errors: pause, re-teach, re-quiz.

Patent-pending (CALE, Serial 64/007,323) · runs on-device, offline.

07 · The telemetry — the instrument

80= MASTERED

We report mastery as a transparent, rules-based estimate — every point traces to a rule you can inspect, not a claim of "true understanding."

0–100 · earned from zero · asymmetric (harder to gain than to lose) · decays if unused · every point traces to a named rule · 80+ = mastered.

CarelessFast vs. the student's own pace

MisconceptionPicked a common distractor

ConceptualKnowledge-gap → review loop

Error type is classified per grade band, probabilistically — not one fixed cutoff across K–12. Score visibility is age-gated — younger grades see mastery-goal progress, not a 0–100 number.

08 · The output — what schools get

Mastery telemetry, turned into action.

TeachersLive heat map — exactly who needs help and where; error-pattern reports; assign & pace.

ParentsSchool-authorized, read-only progress + take-home activities.

DistrictsSchool-wide analytics, mastery heat maps, SSO & bulk provisioning.

FERPA controllerYour district owns the data; CoinQuest is a school official.

COPPA via school consentNo parental-consent friction for school use.

Local-firstLessons & the engine run on-device, offline.

Minimized syncOnly mastery progress reaches the district.

09 · Adoptable anywhere

Aligned to every framework districts require.

Common CoreMoney is math — 5.NBT.7, 6.RP.3 power 50/30/20.

NGPFThe gold-standard units + state-mandate tracker.

CEENational Standards for Financial Literacy.

Jump$tartK–12 personal-finance competencies, by grade.

Every module passes a 3-step review: standards alignment → Bloom's calibration → age & cultural sensitivity.

10 · Honest competitive picture

Districts already run free incumbents.

EVERFI & NGPF — freeEntrenched, sponsor-funded, gold-standard curriculum — but largely fixed, exposure-based, light on per-student adaptivity.

Zogo · Banzai · IntuitEngaging apps & sponsor content — strong on motivation, thin on K–12 mastery tracking and district reporting.

Where we win — and where we don't.Win: adaptive telemetry — per-student mastery estimates + error diagnosis + district reporting — what free, fixed tools can't do. Don't (yet): incumbents are free and entrenched, and we're pre-efficacy-study. Closing that is what the raise funds.

11 · The economics

SaaS-tier margins on a sticky district contract.

~80%

gross margin — content generated once, served to many

~5×

LTV / CAC — free-teacher funnel keeps CAC low

~12mo

CAC payback per district

$7–15

published list per student/yr, tiered by district size

Free for individuals · Teacher Pro $8/mo · districts at $7–15/student/yr by size. TAM $360M+ (NCES × published pricing); SAM ≈ $90–125M (30 mandate states).

12 · Status — this is live

A working product, not a deck promise.

CALE engine — liveAdaptive scoring, error taxonomy, teaching moments, in production.

184 modules shippingAcross the 17 domains, K–12.

Clever / Google SSOPlus teacher, parent & district dashboards — today.

Discounted founding pilots (Year 1, then standard pricing) openPre-revenue; efficacy validation is funded in this raise.

The raise completes, hardens, and scales a working product — it is not a greenfield build.

13 · Team — lean by design

The founder builds. A steward keeps it alive.

Jamal Reaves — FounderBuilds the product, CALE, and roadmap. MBA; 13 yrs federal contracts & procurement; built CoinQuest to a live platform solo.

System Steward (this hire)Reliability, quality-gate enforcement, content/architecture/company-brain upkeep, and IP confidentiality — under NDA + full IP assignment. Not a builder.

Two people, clear division of labor: one builds, one guards the system's reliability, standard, and secrets.

14 · The ask

Phase 1 — a straight angel round (~18-mo runway to proven revenue); RBF then institutional to follow — terms shared in conversation.

Use of funds

Founder build & ops ~45%

Engineering hire ~28%

Infrastructure ~15%

Go-to-market ~9%

Efficacy study ~6%

What it buys

A systems & security engineer alongside the founder, a third-party efficacy study, and district go-to-market in the mandate states.

Round size, instrument, and the full financial model: jamal@reaveslabs.ai.

Scope-triage at the lean end of the range: depth-first on the mandate-bearing 7–12 bands + core engine/SSO/dashboards; K–4 + new worlds → the next round (5–6 already ships as the demo).

CoinQuest

Every K–12 student graduates financially literate — and we can prove it.

A live, instrumented system riding a 30-state tailwind. This raise turns the instrument into a durable, evidence-backed business.

Jamal Reaves · jamal@reaveslabs.ai · coinquest.reaveslabs.ai — walk the live demo