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EduCoin product infrastructure
A crypto-native learning ledger designed for planetary scale.
EduCoin starts as a double-entry crypto-native education ledger and grows into a regulated-bank-ready financial literacy network: reserve governance, institutional banks, user wallets, student-work rewards, tuition payment intents, idempotent transactions, hash-chain audits, and future public-chain anchoring when legal and custody controls are ready.
Global reserve posture
Target reach
8,000,000,000
Account shards
16,384
Event partitions
4,096
Event stream
educoin.ledger.v1
Production persistence
One database switch turns readiness into durable operations.
Postgres with a serverless-safe pooler, such as Neon, Supabase, Vercel Marketplace Postgres, or Fly Postgres with PgBouncer.
Set DATABASE_URL or FLY_DATABASE_URL in Vercel Production. Use a pooled connection string when the provider offers one.
Ledger
EduCoin™ wallet and reward ledger
2 tables
Bank readiness
KYC/KYB, payment intents, compliance cases
3 tables
Core banking
School of Banking operating system
12 tables
Ledger core
Double-entry accounting, immutable event envelopes, idempotency keys, hash-chain audit, account sharding, payment intents, tuition credits, and student-work rewards.
Implemented in the app as a typed EduCoin ledger contract and API surface.
Identity and KYC
Role-based accounts for students, families, teachers, schools, districts, sponsors, and compliance operators.
Connect current account roles to future Keycloak, passkeys, district SSO, and guardian consent workflows.
Institution banks
District, school, CVC college center, sponsor, and program wallets that allocate EduCoin for verified learning outcomes, internships, and eligible learning costs.
Modeled as institutional accounts that feed admin dashboards and AB 2927 rollout queues.
Crypto settlement and ICO readiness
Future EduCoin cryptocurrency issuance, custody, wallet, token economics, public-chain anchoring, and offering documentation after legal, tax, securities, and money-transmission review.
Build token-readiness artifacts without claiming public sale approval, chain settlement, or investment value before issuer keys, custody controls, audited smart contracts, and offering disclosures exist.
Compliance fabric
Abuse prevention, sanctions screening where legally required, suspicious-pattern review, privacy controls, and audit exports.
Expose review-required reward states and compliance classifications in every transaction.
Global scale
Billions of users, regional partitions, CVC college centers, edge-readable balances, event replay, cold storage, and real-time dashboard fanout.
Use stable shard math and transaction partitions so the product can migrate cleanly to Kafka, Postgres/Cockroach, Redis, object storage, and analytics.
Payment rail contracts
External money movement is modeled as partner-gated payment intents.
ACH, Zelle-style bank transfers, wire, card, Stripe, and open-banking connections now have live API contracts for compliance review, account matching, partner handoff, and reconciliation before regulated funds are moved.
partner-processor-required
ACH
Inbound tuition, application-fee, sponsor, district, and payroll settlement through a regulated partner or ODFI/RDFI relationship.
bank-account-recipient-ready
Zelle
User-initiated bank-to-bank payments to The VR School account where supported by the sender's bank.
bank-instructions-required
Wire
Large district, sponsor, institutional, and international-adjacent payments through approved bank instructions.
processor-required
Card
Family tuition and course checkout through a PCI-compliant processor.
consent-and-partner-required
Open banking
Read/write integration with partner banks using OBP-style consent, account, balance, transaction, and payment APIs.
live-education-ledger
Internal EduCoin
Education-credit issuance, course credits, tuition-credit intent, internship rewards, and dashboard projections.
Nexus Bank translation
Build the bank, then activate regulated rails in order.
The right architecture can integrate Fineract, OBP, Keycloak, Kafka, partner banks, CVC centers, and future blockchain anchoring. The School of Banking operates now as real learning-bank infrastructure; regulated deposit, lending, custody, payments, and token-sale features activate after licensing, disclosures, custody controls, and partner approvals.
Apache Fineract
Regulated-bank readiness core for future deposit, lending, savings, treasury, and institution-bank products.
Use as the banking-core path once the EduCoin Bank legal entity, licensing, partner bank model, and compliance controls are approved.
Open Bank Project
Open-banking API layer for future partner bank, sponsor, district, payment, and CVC-center integrations.
Use as the standardized adapter while clearly separating education-credit wallets from regulated deposit accounts.
Keycloak or district SSO
Identity federation, OAuth/OIDC, staff roles, guardian consent, and district account lifecycle.
Student data must remain privacy-first, role-limited, and consent-aware.
Kafka or Vercel Queues
Realtime transaction fanout to admin dashboards, SofAI task prioritization, notifications, analytics, and credential systems.
Ledger writes must be idempotent before events are fanned out.
Public blockchain anchoring
Future Merkle-root anchoring for proof of integrity, credential issuance, and transparent reserve reporting.
Never claim chain settlement or token value before a real transaction ID, issuer key, custody policy, and legal review exist.
Bitcoin
Primary proof-of-integrity candidate for PII-free Merkle-root anchoring, treasury education, UTXO literacy, and future custody-readiness policy.
Bitcoin support is currently education and proof-design readiness only. The app does not custody Bitcoin, generate private keys, assign deposit addresses, execute Bitcoin payments, or provide investment advice.
Double-entry first
Double-entry, event-sourced EduCoin ledger with reserve, institutional, user wallet, payment-intent, internship, and tuition accounts.
Shard without drama
Strong consistency inside one account shard, idempotent writes by key, asynchronous fanout to dashboards and analytics.
Audit before hype
Every transaction receives a deterministic hash that can be batched into a Merkle root before future public-chain anchoring.
Compliance is part of the product.
EduCoin is crypto-native and designed for real utility inside The VR School. Public token value, custody, payment rails, lending, ICO activity, or chartered banking products require separate legal review, licensed partners, audited controls, and explicit user terms.