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Course overview
Week 2Open lesson75-90 minutes
Banking, Payment Apps, and Safe Money
Where should my money live, and how do I keep it safe?
Marble immersive asset
The Account Terminal
A bright bank terminal, ATM alcove, mobile-wallet wall, fee scanner, and fraud alert room connected by glowing rails.
Learning targets
What students will be able to do
Compare checking accounts, savings accounts, debit cards, payment apps, ATMs, direct deposit, and FDIC insurance.
Read fee schedules and identify overdraft, minimum balance, ATM, maintenance, and transfer risks.
Design a safe account setup with passwords, alerts, trusted contacts, and fraud response steps.
Launch
Students inspect two fictional accounts and vote on which one is safer for a first job paycheck.
Studio activity
Account comparison lab: teams analyze account disclosures, select a best-fit account, and defend their decision to a family member persona.
Student artifact
Safe Banking Setup Plan with preferred account features, alerts, app rules, fraud response steps, and fee red flags.
Assessment
Mini-scenario: a student receives a suspicious payment-app request. Choose the safest next three actions and explain why.
SofAI coach move
SofAI turns the student's account plan into a checklist and asks follow-up questions about hidden fees and fraud risk.
Ecosystem operation
Open the EduCoin wallet, inspect account safety controls, and compare it to real-world bank accounts.
This lesson is a live finance-system rehearsal: what students build here can become part of their wallet history, bank profile, timeline, and credential evidence when they continue with an account.
EduCoin signal
Wallet activation appears in the Life OS timeline and bank profile.
Bank profile
Security alerts, fee awareness, and fraud response planning improve readiness.
Trust gate
EduCoin remains learning value; real payment rails and custodial accounts require regulated partners.
SofAI should explain what data is used, who can see it, whether it is real money, learning value, or simulated credit evidence, and when guardian, teacher, admin, or compliance approval is required.
Resource launchpad
Watch, inspect, then build your own proof.
These links provide public context. The VR School assignment is the artifact, reflection, and applied decision students create after using the resources.
Next step