Requirement status

Younger learners shall use more pretend play, visual choice, parent participation, and simple cause/effect.

Acceptance: 5–7 missions can be completed with minimal reading.

The $5 Challenge has a 5–7 version: pretend-play store, picture choices, tap-only answers, read-aloud and a “play this together” prompt, with every line within the 5–7 reading ceiling (tested). More 5–7 missions (store game, work earns money) are still to write.

Middle-childhood learners shall practice opportunity cost, planning, earning, saving, advertising awareness, and simple entrepreneurship.

Acceptance: 8–12 catalog contains varied real-world scenarios across those skills.

8–12 catalog covers opportunity cost, earning/entrepreneurship, agreements and advertising awareness; planning and saving missions still to write.

Early-teen learners shall practice digital spending, subscriptions, scams, first income, total cost, contracts, and career/education choices.

Acceptance: 13–15 missions include explicit transfer exercises.

13–15 has the $5 Challenge work-time variant with an explicit transfer exercise; subscriptions, scams, contracts and career missions still to write.

Older-teen learners shall practice paycheck interpretation, benefits, credit/borrowing, car and education decisions, insurance/risk, and investing fundamentals.

Acceptance: 16–17 content is educational and avoids trading encouragement.

16–17 has The $300,000 Degree? (pilot) with no trading encouragement; paycheck, credit, insurance and investing missions still to write.

The platform shall support accessibility alternatives for text, audio, visual, motor, and reading needs.

Acceptance: Each mission can offer alternate representation and response methods.

Read-aloud (text-to-speech) on every step, tap-to-choose responses, keyboard/focus management, reduced motion. No recorded audio, symbol-based or switch-access variants yet.

The CU shall have a self-service brand setup for logo, colors, program name, welcome message, local resources, and approved campaign imagery.

Acceptance: Preview shows member, parent, and cohort surfaces before publishing.

Self-service program name, colors and welcome message with a live member/parent/kid preview. Logo upload, local resources editing and campaign imagery not yet.

The Creator Chat shall accept pasted notes, transcripts, meeting stories, PDFs, slides, and existing curriculum as source material.

Acceptance: System extracts potential concepts while preserving source attribution.

Accepts pasted chat, transcripts, notes, document text and existing lessons with source attribution; file upload (PDF/slides) not yet.

The curriculum pipeline shall research trusted primary/authoritative sources for factual claims and attach a source pack.

Acceptance: Generated financial claims are linked to reviewed sources or marked as illustrative/facilitator opinion.

Source plan classifies claims and links the source register; the automated Research stage is planned, so dynamic facts show “needs research”.

The curriculum pipeline shall map each mission to CFPB developmental building blocks and relevant Jump$tart/CEE financial topics.

Acceptance: Mappings are visible to reviewers and can be edited.

CFPB building-block and Jump$tart/CEE mappings are visible to reviewers (marked suggested); direct editing UI not yet (revise via chat).

The pipeline shall support optional alignment to FDIC Money Smart grade bands and institution-specific standards or learning goals.

Acceptance: A reviewer can see which standard/outcome is addressed.

FDIC Money Smart mapping is supported in the schema and used in the degree mission; institution-specific standards not yet.

The pipeline shall generate a child mission, parent prompt, facilitator guide, cohort lesson plan, printable activity, short video/story script, assessment, and transfer challenge from one approved brief.

Acceptance: Creator can select which asset bundle to produce.

Blueprint includes a parent prompt draft and lab outline; selectable asset-bundle generation (Design/Expand) is planned.

The pipeline shall include an age/readability review and flag content that exceeds configured developmental complexity.

Acceptance: Age-fit result is visible and must pass or be explicitly overridden by an authorized reviewer.

Age/readability gate compares estimated reading grade to each band's ceiling and flags; reviewer override exists in the model but has no UI.

The platform shall maintain a coverage map showing age band × financial topic × developmental building block × real-life context.

Acceptance: Owners can identify gaps, duplicates, and overrepresented topics.

Coverage map shows age band × collection with gaps, plus CFPB building-block counts; real-life context dimension not yet in the grid.

Cohorts shall be filterable by age band, topic, format, date/time, facilitator, duration, capacity, and sponsor.

Acceptance: A parent can find a relevant session quickly.

Filter by age band, format and open seats; topic, date, facilitator, duration and sponsor are shown on cards but not filterable yet.

Supported formats shall include one-time virtual lab, one-time in-person workshop, multi-week cohort, parent-child session, branch event, and school/community event.

Acceptance: Each format has a reusable session template.

All six formats are defined with default durations; per-format reusable session templates are not built.

Facilitators shall receive a run-of-show, slides, activities, polls, prompts, expected misconceptions, safety notes, and follow-up plan generated from the approved curriculum.

Acceptance: Facilitator can run session without rebuilding materials.

Run-of-show with timed script, activities, polls, misconceptions, safety notes and follow-up plan; slides are listed but not generated.

The platform shall support cancellation, rescheduling, reminders, attendance status, and seat release.

Acceptance: Operational lifecycle is visible to parent, facilitator, and sponsor.

Cancellation releases the seat. The scheduler promotes a waitlist hold that ran out and sends prep (T−3 days), the day-before reminder, a 15-minute push, and the recap two hours after the session ends. Rescheduling is not built.

The platform shall support facilitator profiles, expertise, availability, age-band authorization, and delivery formats.

Acceptance: Only authorized facilitators can be scheduled for specific programs.

Profiles hold expertise, age-band authorization and formats; scheduling enforcement has no UI yet.

The platform shall support digital badges, certificates, printable achievements, and optional physical challenge coins/event rewards.

Acceptance: Reward type can be selected by sponsor/program.

Digital Skill Stars only; certificates, printable achievements and challenge coins not yet.

The platform shall permit experimental/pilot cohorts to be labeled separately from validated programs.

Acceptance: Reports show pilot status.

Pilot tenants, items and labs are labeled; reports don't yet segment pilot cohorts.

The platform shall track curriculum performance by version.

Acceptance: A revised mission can be compared without mixing versions silently.

Evidence records store curriculum version; version comparison views not built.

Curriculum creators shall receive aggregated feedback on drop-off, confusing steps, parent comments, facilitator flags, and transfer performance.

Acceptance: Improvement loop is visible in Creator Studio.

Library shows facilitator flags and field notes per item; drop-off and transfer analytics not built.

The platform shall provide branch/event kits for hands-on activities with facilitator instructions and printable materials.

Acceptance: Community team can host an event without inventing curriculum.

Branch event lab has facilitator instructions and a materials list; printables not generated.

The CU shall be able to request a co-branded one-pager and impact summary generated from current program configuration.

Acceptance: Collateral stays synchronized with enabled features.

Community report is generated from current configuration; co-branded one-pager not built.

The product shall support verifiable parental consent where required before collecting covered child personal information.

Acceptance: Consent status gates child activation.

Consent is recorded and gates activation (guardian attestation in a signed-in adult account); stronger verification methods are not built.

The product shall include content safety policies for suicide/self-harm disclosures, abuse disclosures, financial abuse, and other high-risk situations encountered in live cohorts or support.

Acceptance: Facilitators and staff have escalation procedures; educational app does not attempt therapy.

Escalation guidance appears in facilitator materials and the trust center; case-management workflow not built.

Accessibility shall be treated as a product requirement across family, CU, facilitator, and creator surfaces.

Acceptance: Core flows are usable with assistive technologies and alternate media.

Labels, focus management, keyboard use, contrast (brand button text is computed to meet 4.5:1) and reduced motion across surfaces; not yet audited with assistive technology.

Innorve owners shall be able to manage institutions, subscriptions, entitlements, cohort credits, curriculum access, facilitators, and support status.

Acceptance: Commercial operations are visible in one admin workspace.

Admin workspace lists institutions, provisions a setup tenant, and lets an Innorve admin draft, review, and apply entitlement changes with an audit trail. Facilitator assignment is still not edited here.