M1 · HERO — eyebrow · claim + local-language sub-claim · body copy · 2 CTAs · video card ("why the academy makes sense")

Academy for Financial Health Eyebrow · academy name

Own your life.

Nobody taught us money, so we built the school for it. Watch four minutes of what changes for a learner — then take the first lesson yourself. It takes a minute.

VIDEO — simulated intro, captions as narration

IMG · intro video still

▶Why the academy makes sense · 3:40

ENTRY DOORS — three rows, one action each: learn (M2) · who are you (M5) · challenge (M11)

IMG

Start learning

One minute today: how to make your first budget.

IMG

Who are you?

Six questions, and your path is built around how you actually spend.

IMG

Take the challenge

A monthly money mission. Three of your friends are already in.

M8 · COMPANION SECTION — "the teacher who is awake at 2am" · example prompts · live companion card

Academy companion Companion section

The teacher who is awake at 2am. AI

Learners ask what they would never ask in a classroom. The companion answers in plain language, with the numbers written out, and remembers where you are in your lessons.

"My salary is 450. Can I afford a 1,200 phone?" "Explain compound interest without jargon." "Is this message a scam?"

CompanionAIbilingual

Great to see you! I'm your guide to the academy and to your money questions. Nothing is a silly question here.

How do I stop running out before month-end?

Let's look at it together — three numbers are enough to start…

COMMUNITY BAND — "for every generation" photo band (local imagery per country)

IMG · community band A

IMG · community band B

TRUST STRIP — live counters

11

Courses

7

Games

16

Regions

Free

Forever

M2 · COURSES — bite-size units: local moment → simulated intro video → micro-lessons → "the shift" → complete (+pts, certificate) · count, structure & length partner-defined (11/4 shown as reference)

Courses

Count, structure and length are partner-defined; this layout shows the reference set.

AllBasicsBankingAI ageProtection

M3 · GAMES — playable games in overlays · fixed flow: "How to play" intro → play → result (+pts) · updates in place, no flash · set & number of games partner-defined (7 shown as reference)

Games

Each game: intro → play → result, inside one modal.

M4 · FINANCIAL HEALTH INDEX — the health of the user (a person) · situational questions, answers-only · re-takeable · feeds healthHistory[] + status ladder · question set & length partner-defined (~6 shown)

Financial Health

Financial Health Index · questionnaire

6 situational questions → Index (0–100) → status-ladder level. Designed to be re-taken quarterly; every reading is stored so progress shows over time.

Status ladder · 4 levels (local metaphor)

Lvl 1

Lvl 2 · you

Lvl 3

Lvl 4 · hero

Metaphor is localised per country; the 4-level mechanic is fixed.

SUB-BARS — supporting dimensions of the current reading

Spending

Saving

Borrowing

Planning

THREE LENSES — kept strictly separate, never merged · one person, three perspectives

1 · SituationFinancial Health Index

What your circumstances look like. Answers-only questionnaire, tracked over time.

re-takeable

2 · StyleFinancial Persona

How you behave with money. Self-assessment in the Profile; behaviour signals blend in production.

4 local metaphors

3 · MomentumFinancial Resilience Score AI

Whether you keep going. Derived automatically from activity and inactivity — no questions asked.

automatic

M11 · CHALLENGE OF THE MONTH — seasonal campaign, own accent styling in production · missions auto-track from shared state · never forks the core economy

Campaign hero

Name · tagline · run dates (from config)

12

days left · live counter

MISSIONS — each maps to an existing activity (auto-tracked) · one mandatory · jump-in CTA per row

How it works

✓

Complete 3 courses

auto-tracked · coursesDone

✓

Complete the Scam-Safety game mandatory

auto-tracked · gamesDone

Refer 5 friends

share sheet + demo "+1" · referrals

Win the daily word game

auto-tracked · gamesDone

Make 3 correct market predictions

auto-tracked · predictionsCorrect

Do one Financial Health check

auto-tracked · healthChecks

REWARDS — tiered milestones + grand prize with Claim action · prizes illustrative in prototype, partner-defined in production

Milestone · 3 missions

+150 pts

Milestone · 5 missions

+250 pts

Grand prize · all 6

Champion badge

M6a · LEADERBOARD — regional · weekly / all-time toggle · "You" highlighted · status chip per row · share my rank

Leaderboard

WeeklyAll-time

#1

Lvl 41,840

#2

Lvl 31,610

#3

You

Lvl 2480

#4

Lvl 2455

#5

Lvl 1390

M6b · MARKETPLACE — reward shop spends points · one reward tied to opening a savings account (measurable inclusion + partner hook)

Marketplace

Rewards are partner-defined per deployment.

IMG · reward

300 pts

IMG · reward

Savings-account starter bonus

Linked to opening an account — the inclusion + commercial hook.

400 pts

IMG · reward

250 pts

IMG · reward

200 pts

IMG · reward

150 pts

IMG · reward

100 pts

M7 · PROFILE — identity + stats · centrepiece: Index-over-time and Persona side by side (never merged)

480

Points

6

Streak

2

Courses

4

Badges

M7a · INDEX OVER TIME — trend of healthHistory[] readings · current value + ladder level · re-take prompt Financial Health Index · over time AI analytics

Index 58 · Lvl 2

M7b · PERSONA — behaviour lens (separate from the Index) · 7-question self-assessment lives here, not in top nav Financial Persona · current

Persona

4 local persona metaphors · answers-only in the prototype (behaviour signals blend in production).

M7c · RESILIENCE SCORE — third lens: derived automatically from overall activity & inactivity · no questionnaire Financial Resilience Score · auto-tracked AI model

71 / 100

Follows what you do — and what you stop doing: streaks, completions, re-checks, pauses. It rises with steady engagement and gently falls with inactivity. Nothing to fill in.

activity ↑ · inactivity ↓automatic

CREDENTIALS + BADGES — certificates from completed courses · badge grid, earned + locked

Learning credentials

Certificate

Locked

Badges · earned + locked

M8 · AI MONEY-BUDDY + FINANCIAL PERSONA PROMPT — coaching bubble · prompt generated by AI analytics on the data pool · in the profile AND via the Persona API · a skill for any AI financial agent

Your AI money-buddy AI

Financial Persona Prompt AI-generated

PROMPT = f( persona, financial_health_index, resilience_score, behavioural_analytics, language )
"I am a [persona] with a Financial Health Index of [58/100] and rising resilience. Coach me on…"

Generated from the AI analytics on the behavioural-finance data pool. Yours to use: copy it here — or let your AI financial agent load it automatically via the Persona API. There, it works as a skill: any agent that carries it knows how to coach you.

M10 · PRICING AT A GLANCE — partner-facing · the model, never the offer sheet · rate card shared per deal, in writing

Pricing at a glance

How the commercial model works — the concrete rate card is shared per deal.

A staged path — you decide at every step

Proof of Concept

One flat fee, whatever your size. Two formats: a branded Preview click-through, or a Live pilot with a real cohort, games, Resilience Score and pre/post measurement. You choose one.

Insights included

Engagement reporting and an insights report are part of the PoC fee — evidence first, commitment later.

Go / no-go — free

60 days to decide. Continue, and part of the PoC fee is credited. Stop, and you keep the report, the data and everything learned.

Run phase

A small platform fee plus a fee per active user per month. Minimum two-year term; the rate card is locked for the term.

TIERS — named by who the customer is · the customer picks the tier · trade-off: fixed cost vs rate per active user Three tiers — you pick, based on who you are

Challenger

Fintechs, media houses, NGOs, creators.

Least fixed cost, smallest minimum — highest rate per active user.

Growth

Mid-size banks, universities, telcos, insurers.

Balanced: real commitment, a better rate, a floor one cohort can reach.

Enterprise

Tier-1 banks, regulators, national programmes.

Most fixed cost, largest minimum — the lowest rate per active user.

Same product on three risk profiles: how much fixed cost you carry in exchange for a lower rate per active user. If you sit near a boundary — ask us.

PRINCIPLES — active-only billing · complete base · discounts for term & cash, never volume

How billing works

You pay for active users only — dormant accounts cost effectively nothing.

The AI allowance is pooled: quiet users fund active ones.

Discounts reward term and cash — longer commitment, annual or upfront payment. Never volume: the tier already does that.

The base is complete

AI Tutor, Financial Resilience Score, Financial Persona, personal agent prompt and your own analytics dashboards are in the base — never sold as upgrades.

Standard hosting on AWS is included; your data stays yours, never pooled or benchmarked across clients.

OPTIONS — car-manufacturer logic: complete base, priced options per deal Options — priced per deal

Partner Space · marketplace + credential-gated rewards (10% handling) B2B Companion · your analytics twin AI Mobile apps · iOS + Android Additional languages Custom & regulated modules New game mechanics Data residency / sovereign set-up Live market-data feed Persona API · your users' prompts as agent skills AI Market Intelligence AI Integrations & SSO

KPI FRAMING — the two headline numbers every business case leads with

Cost per user: near to nothing

Per active user per month — falling with scale and commitment.

Cents per registered user per day

Honest, because dormant accounts genuinely cost nothing.

Prices may change. Nothing shown on this page is binding until a written agreement is signed.
A partner-specific, playable business case — editable assumptions, live P&L, package selector — is built per deal.

USER FLOW — the fixed navigation architecture every country build shares; only the design layer changes

User-flow map

Boxes = views · dashed boxes = overlay flows · arrows = writes into the one shared state, which doubles as the behavioural-finance data pool · violet = AI-powered