Financial learning starts where it is played.
Kosron is built for 6 different educational scenarios. Each with its own lesson, rules, and outcomes. All without real risk.
The family bank
The child opens an account, receives KOSR as a reward for chores, learns to save for a goal (toy, outing, video game).
How it works
- ◆The parent is the admin of the family bank
- ◆The child receives the 15,000 KOSR bonus + 3,500 KOSR in the wallet
- ◆Household chores = KOSR transfers to the child's current account
- ◆Buying a toy = KOSR transfer from the account to the parent
Lesson learned
"Money comes from work. Saving means postponing a small pleasure for a bigger one."
The first loan
The teen wants a new phone. Applies for a consumer loan, sees the monthly rate, annual interest, total cost. Decides on their own whether it's worth it.
How it works
- ◆Loan application: 5,000 KOSR over 12 months
- ◆App calculates: monthly rate, interest, total cost
- ◆Amortization schedule view (equal annuities)
- ◆Decision: take the loan or save?
Lesson learned
"Credit gives you access now, but costs you more over time. Calculate before signing."
Economy in the classroom
The teacher opens a bank for the class. Each student has an account + wallet. Weekly, you simulate salaries, taxes, deposits, loans.
How it works
- ◆Teacher = admin of the class bank
- ◆Each student = current account with weekly KOSR
- ◆Economic game: what does the student do with received KOSR?
- ◆Classroom discussions based on real generated data
Lesson learned
"Economy is not theory, it's the sum of the individual decisions of each actor."
Economic game between friends
A group of friends installs the app. Each one is an economic actor. They give each other loans, make deposits, see accrued interest, simulate real situations.
How it works
- ◆Each friend has a starting bonus
- ◆Free transactions between them (KOSR1 addresses)
- ◆Celebrating with 30-year mortgages
- ◆Comparing 4% savings vs 9.9% consumer credit interest
Lesson learned
"The banking system is not magical — it's contracts, interest, time and risk."
Daily practical cases
Teach your child with daily examples: "Why can't we buy the toy yet?", "What's the difference between an account and a wallet?", "How does a card work?"
How it works
- ◆App on the child's phone
- ◆Daily questions + visual answers
- ◆Simple rules: 50% save, 30% spend, 20% donate
- ◆Conversations about real choices in stores
Lesson learned
"Financial education is a continuous conversation, not a one-time lesson."
Block, association, hub
A community (block, parent association, play group) uses Kosron as an internal currency for reciprocal services, volunteering, exchanges.
How it works
- ◆All members install the app
- ◆KOSR as reward for volunteering
- ◆Reciprocal services valued in KOSR
- ◆Discussions about the value of work and time
Lesson learned
"Money is a record-keeping system for trust and exchanges. The community is the economy."
What you can teach with Kosron.
Current vs savings accounts
Difference between a daily-use account and one that earns interest
Annual interest rate (APR)
How it's calculated, how it affects the total cost
Amortization schedule
Equal annuities, principal + interest on each rate
Early repayment
How to reduce interest by paying earlier
Term deposits
Money locked for guaranteed interest
Penalty on early closure
What you lose if you close a deposit before maturity
ROBOR + variable interest
How rates adjust on variable-rate loans
Debit vs credit cards
Spending your money or the bank's
Interbank transfers
How money moves between accounts (IBAN-style)