CoinQuestCoinQuest ▶︎ Try the live demos · coinquest.reaveslabs.ai

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

Six immersive worlds, six AI guides, and one adaptive engine (CALE) that estimates each student’s mastery — built for districts, safe by design, ready to pilot.
188Modules
17Domains
6Worlds · guides
K–1213 grades
0–100Mastery
~10 minDemo lesson
Required by more states every year — taught well almost nowhere.

Thirty states now mandate personal finance (NEFE, 2025), and the count climbs every year. Yet students still graduate unable to budget, save, or manage credit — because exposure-based curricula don't build mastery. CoinQuest closes that gap with a K–12 progression that teaches by doing and measures mastery, objective by objective.

What's in this guide
02 · The 6 worlds & guides 03 · 17 domains · 184 modules 04 · Mastery & Bloom's, CALE 05 · Marco's demo & length 06 · COPPA, FERPA & standards · Start a pilot
02 · The cast

Six worlds, six guides — who they are & the world each grade band lives in

One world per grade band. Each guide has a distinct personality and is grade-locked — they never cross worlds. The world is the setting students explore for that whole band.
K–2

Copper

Warm, patient first teacher
Penny Island — a sun-drenched tropical paradise where the youngest explorers discover the magic of coins, counting, and their very first piggy bank.
Teaches coin recognition, counting money, needs vs. wants, saving, earning through chores.
3–4

Clover

Adventurous detective
Treasure Trail — a vast frontier wilderness where young adventurers budget around the campfire, trade at frontier posts, and discover the value of earning.
Teaches making change, budgeting basics, smart shopping, comparing prices, goal-setting.
5–6 · demo

Marco

Calm, capable station captain
Galaxy Station — a cosmic space station where cadets master the 50/30/20 rule, savings strategies, and the science of how money grows (compound interest).
Teaches the 50/30/20 rule, needs/wants/savings, building a monthly budget, intro to interest & taxes.
7–8

Aria

Sharp city analyst
City Arena — a neon-lit metropolis where teens run businesses, navigate the stock market, and learn to think like entrepreneurs.
Teaches banking, credit basics, opportunity cost, consumer rights, digital finance, entrepreneurship.
9–10

Sterling

Steady, strategic mentor
Summit Labs — a towering mountain fortress where students master investing, portfolio management, and long-term wealth strategies.
Teaches investing & risk, credit & debt, APR/APY, insurance, financial planning.
11–12

Morgan

Polished executive director
Executive Suite — the ultimate financial command center where seniors tackle taxes, credit, real estate, and prepare for adult financial life.
Teaches real estate, retirement, asset allocation, advanced taxes, global economy, capstone life-plans.
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03 · The curriculum

17 financial domains, 184 modules

The 17 domains are the lifelong money topics every student needs. Each domain has ~4 skills per grade band, scaffolded from concrete (K) to abstract (12) — that's the 184 modules.
Money BasicsCoins, value, counting
EarningJobs, chores, income
SavingGoals, interest, growth
Smart SpendingNeeds/wants, deals
InvestingRisk, return, markets
Credit & DebtBorrowing, APR, scores
BankingAccounts, APY, tools
TaxesWhat & why we pay
InsuranceProtecting against loss
Giving & ImpactGenerosity, community
Money PsychologyHabits, behavior
EntrepreneurshipBuild a business
Real EstateRenting, owning
Global EconomyTrade, currency
Digital FinanceApps, security, crypto
Financial PlanningBudgets, goals, future
Capstone ProjectsApply it all (L6)

What every module includes

  • A learning story — the concept taught first, in the world's voice.
  • An interactive quiz — tap, drag-and-sort, coin-count, calculator scenario, or image quiz.
  • Standards mapping — tied to Common Core / NGPF / CEE / Jump$tart.
  • Mastery tracking — every answer updates the student's score and Bloom's level.

What the demo (Galaxy Station) includes

  • Quick Check — fast concept checks (e.g., "what gets the biggest share?").
  • Budget Sorting — tap/drag needs, wants, savings.
  • Budget Quiz — the smart-spending choice.
  • Budget Builder — allocate a full $500 across categories.
  • CALE recap + Bonus — the mastery analysis, then harder application.
How long is the demo — and how to stretch it.

The core Marco lesson runs ~10 minutes. Stretch it to 20–25 min by adding the bonus challenge and walking the educator views (parent + teacher dashboards, standards explorer); to 30+ min with the full product overview demo. How: each beat is its own moment — replay Marco's narration, pause on the CALE analysis to show how the score was earned, or drill into the teacher heat map. A live class lesson is 5–8 minutes of fresh content per day.

Built to scale — the AI content engine

CoinQuest never runs out of content. The same engine behind today's live library authors new modules — across any domain, world, or character. Generation runs server-side and new content syncs to each device; lessons and the CALE engine then run fully on-device and offline. So a class is covered the entire school year and beyond.
Unlimited modulesGenerated server-side on demand, then synced — lessons still run on-device.
Expandable castNew AI guides & characters added to the roster.
New world templatesWhole new worlds spun up for new grade bands or themes.

District customization

Request custom modules for local curriculum, state-specific standards, or culturally relevant scenarios. Custom content follows the same 3-step quality protocol and plugs straight into CALE mastery tracking.

Every generated module is reviewed

Standards alignment (Jump$tart / CEE / state) → difficulty matched to Bloom's L1–L6 → age-appropriate language & cultural-sensitivity review. AI-authored, human-quality.

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04 · How CoinQuest measures learning

Mastery Score & Bloom's — explained

Mastery Score (0–100) — the heart of CALE

80= mastered

A transparent, rules-based mastery estimate — not a grade, and not a claim of "true understanding." It's earned through practice, asymmetric (harder to gain than to lose), decays if unused, and weighs recency, consistency, and error patterns — and every point traces to a rule you can inspect (interpretable by design). 80+ = mastered. Score visibility is age-gated — younger grades see mastery-goal progress, not a 0–100 number.

Bloom's Taxonomy (L1–L6) — what "level" means

Bloom's names six levels of cognitive depth — from recalling a fact to creating something new. They're levels, not a strict ladder (a learner can Create before they Evaluate), but CoinQuest spans the full range, so learning isn't just memorization — and students see their level on every skill.

L1
Remember"What is a tax?"
L2
UnderstandExplain 50/30/20
L3
ApplySort a budget
L4
AnalyzeWho saves more?
L5
EvaluateBest spending choice
L6
CreateBuild your own plan

The CALE engine — four behaviors

Smart reviewResurfaces a concept right before it would fade — retention, not cramming (half-life spacing).
Fair scoringAsymmetric — genuine mastery moves the score, not luck.
PrerequisitesNever tests a concept before its foundations unlock.
Teaching momentsAfter errors: pause, the guide re-teaches, then re-quizzes.
Not all mistakes are equal — every answer is timed & classified
Careless
Fast vs. the student’s own pace
Rushing → a slow-down prompt: re-read before tapping.
Misconception
Picked a common distractor
Concept confusion → targeted re-teach of that idea.
Conceptual
Knowledge gap
Foundation missing → a review loop to prerequisites.
Error-type thresholds are set per grade band (a 2nd-grader's pace ≠ an 11th-grader's) — not one fixed cutoff across K–12.
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05 · The live demo, step by step

What Marco takes you through — Galaxy Station, Grades 5–6

One ~10-minute budgeting lesson. Marco narrates; students drag, tap, and build. The CALE engine tracks every response for speed, accuracy, and misconceptions.
1
Meet MarcoA 10-second welcome from his owned, commercial voice. The Mastery Score starts at 0 — growth is visible from here.
2
Pick your characterChoose one of eight, confirm the preview — ownership before a single question.
3
Pre-assessmentThree warm-ups — "In 50/30/20, what's the 50?", "What is a tax?", "What does saving mean?" — answered in any order; sets each student's starting point.
4
Where money comes fromAllowance, chores, gifts — taught one at a time, concept before quiz.
5
The 50/30/20 ruleTap the needs (50%), tap the wants (30%), quick-math the savings (20% — $5/week over a year, tools at hand), then match income / savings / spending to their meaning.
6
Budget Builder & quizzes"Your family earned $500." Sort expenses — movie snacks → want, phone bill → need, savings jar → savings — make a smart-spending choice, then allocate a full $500 across rent, groceries, phone, fun, savings.
7
CALE analysisThe mastery dashboard: score growth (10 → 30 → 56), accuracy, the error breakdown, and "what your brain did today / what CALE does next."
8
Bonus challengeApply it: how taxes fund schools & roads, 20% of $20, and "who saves more?" comparing two students' earning vs. spending.
9
What educators seeStudent daily view, the parent dashboard (delegated, read-only), the teacher heat map with intervention nudges, and the standards explorer.
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06 · Privacy, compliance & standards

Safe for kids, adoptable by districts

COPPA Children's Online Privacy Protection Act

Federal law protecting the personal data of children under 13 — it requires verifiable consent before collecting their information. For CoinQuest: the school consents on behalf of parents for educational use (COPPA's school-consent provision), so there's no separate parent sign-up friction; the district authorizes.

FERPA Family Educational Rights & Privacy Act

Federal law giving schools/districts control over student education records. For CoinQuest: your district is the data controller; CoinQuest operates as a "school official" under FERPA, using data only to deliver the service. Parents get a delegated, read-only view under the school's authority.

District-first & local by design

District owns the dataYou're the FERPA controller; we're the 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 — raw data stays on-device.

The standards — and why they matter

Districts and states require curriculum to align to recognized frameworks before adopting. CoinQuest covers all four, so it's adoptable anywhere.
Common Core CCSS

The national K–12 math & ELA standards most states adopt. Money is math — CoinQuest maps the relevant math standards (e.g., 5.NBT.B.7 decimal operations, 6.RP.A.3 ratios & percentages, which power 50/30/20).

NGPF Next Gen Personal Finance

The leading nonprofit for personal-finance education — free, gold-standard curriculum and the authoritative tracker of state mandates (their goal: every student takes a course). Aligning to NGPF's units is the credibility signal districts look for.

CEE Council for Economic Education

Author of the National Standards for Financial Literacy and economics — the academic backbone for what each grade should know.

Jump$tart Jump$tart Coalition

The National Standards for K–12 Personal Finance Education — the foundational framework that defines the competencies, by grade.

Honest competitive picture

Districts already run free incumbents — here's where CoinQuest wins, and where it doesn't.
EVERFI & NGPF — freeEntrenched, sponsor-funded, gold-standard curriculum — but largely fixed and 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: a real adaptive engine (CALE) with per-student mastery estimates + error diagnosis and district-grade reporting — what free, fixed-content tools don't do. Don't (yet): incumbents are free and entrenched, and we're pre-efficacy-study. Closing that gap is exactly what this raise funds.

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07 · Business model

Pricing — freemium to district license

Free for individual teachers & students drives adoption (the NGPF playbook); districts pay per student for SSO, dashboards, and analytics. Supplemental K–12 curriculum benchmarks at $2–7 per student per year — CoinQuest sits at the premium end for its adaptive engine and reporting.
FreeIndividual teachers & students on the web — the adoption funnel.
Teacher Pro · $8/moPer teacher — cloud sync, dashboards, classroom management.
School & District · $7–15/student/yrSize-tiered published list; SSO + dashboards + FERPA DPA.
30-day trialFull-featured classroom/district trial before any contract.
Published size tiers: $15 (<1K students) → $7 (50K+). A 5,000-student district ≈ $50K / year at list.

The economics

~80%Gross margin — content generated once, served to many.
~5×LTV / CAC — the free-teacher funnel keeps CAC low.
~12 moCAC payback per district.
$7–15Published list per student/yr, tiered by district size.
Free for individuals · Teacher Pro $8/mo · districts $7–15/student/yr by size · ~80% gross margin. TAM $360M+ (NCES × published pricing); SAM ≈ $90–125M (30 mandate states).

The raise — the plan, from first principles

CoinQuest is already live — a working CALE engine, 184 modules, Clever/Google SSO, and teacher / parent / district dashboards ship today. This raise completes, hardens, and scales a working product — it is not a greenfield build.

The ask

We're raising a Phase 1 angel round to add a systems & security engineer alongside the founder. The founder builds the product; the engineer keeps it running — reliability, quality-standard enforcement, security, and upkeep of content & architecture — under NDA + full IP assignment. The round completes the library, hardens for scale, runs a third-party efficacy study, and reaches revenue. Round size, instrument, and the full financial model are shared in conversation — jamal@reaveslabs.ai.

Use of funds

  • ~45% Founder build & ops — founder builds the product; runs the company.
  • ~28% Engineering hire — reliability, QA, security, content/architecture upkeep, IP confidentiality.
  • ~12% Infrastructure — hosting + server-side content/voice engine.
  • ~9% Go-to-market — district pilots & outreach.
  • ~6% Efficacy study — ESSA Tier III pilot (n≈2–3), scaling to a powered study post-raise.
The milestone path
M0–3 · HardenEngineer onboards (NDA + IP assignment); founder hardens the live CALE + SSO + dashboards.
M3–9 · CompleteFill the content library to full K–12 coverage across all 6 worlds.
M6–12 · Pilot + studyDiscounted founding pilots (Year 1, then standard pricing); third-party efficacy validation; powered study post-raise.
M12+ · RevenueConvert pilots to paid; raise the next round on evidence + traction.
Honest scope — and the alternative.

The founder builds; the engineer keeps the system reliable, on-standard, and confidential. The focused plan is sized to complete and prove a working product — not to greenfield-build six worlds from zero. To accelerate the full multi-world expansion and new-world authoring on a faster clock, a larger round funding a 2–3 engineer team is the deliberate scope alternative, stated up front. At the lean end: depth-first on the mandate-bearing 7–12 bands + core engine/SSO/dashboards; K–4 build-out and new worlds move to the next round (5–6 already ships as the demo).

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