Teaching children about money, one coin at a time
57% of UK adults are financially illiterate — most were never taught as children. Existing kids' finance apps (GoHenry, Revolut <18) require real bank accounts and debit cards, creating a hard barrier for younger children and cost-conscious families. There is no engaging, accessible tool that works before a child needs a real bank account.
Bloomly is a private, gamified family finance platform. Parents create a virtual coin economy — children earn coins through tasks and chores, save toward goals, and cash out into real money when they're ready. Parents set every rule: exchange rate, spend limits, savings percentage, interest rate. No bank account needed to start.
Installs in seconds as a Progressive Web App (PWA) — no app store, no card, no friction.
✅ Tasks & chores with coin rewards · Automated allowances · Savings goals with interest · Cash-out approvals · Parental controls & PIN protection · Leaderboard, badges & streaks (3/7/14/30-day milestones) · Child-proposed tasks · Family challenges · Task reminder push notifications · Birthday reminders for parents · Cross-family coin gifting · Weekly family digest · CSV & JSON data export · Available in English, French, Hindi & Bengali
The global fintech-for-kids market is valued at $3.5B by 2027. In the UK alone, ~8 million households with children aged 5–16 represent our primary addressable market. No competitor serves Hindi-speaking diaspora families. No competitor removes the real-money requirement entirely.
Freemium family subscription — Free (up to 5 members, the full core loop: tasks, allowances, savings goals, family market, push notifications) and Premium at £3.99/month (family challenges, leaderboard, reports, cross-family gifting & unlimited members). Additional revenue from white-label licensing to credit unions and HR benefit platforms, and referral fees when families graduate to real junior bank accounts.
Target unit economics: ARPU £4.20/month · LTV £85 · CAC <£8 · Gross margin ~85%
| Bloomly | GoHenry | Revolut <18 | RoosterMoney | |
|---|---|---|---|---|
| No real money needed | ✅ | ❌ | ❌ | Partial |
| Fully gamified | ✅ | Partial | Partial | Partial |
| Hindi & Bengali language | ✅ | ❌ | ❌ | ❌ |
| PWA (no app store) | ✅ | ❌ | ❌ | ❌ |
| Price | Free–£3.99/mo | £3.99/child | £3.99+/mo | £1.99/mo |
Live and deployed at bloomly.pro · Multi-language (EN/FR/HI/BN) · Full parental controls · Cross-family gifting · Push notifications with task, digest & birthday reminders · Stripe billing live · Targeting 500 families in 3 months, £25K MRR by month 12 · School partnership pilot in month 6 · White-label first contract month 15
GoHenry → Acorns $150M+ (2023) · Greenlight at $2.3B valuation · RoosterMoney → NatWest (2021)
Target exit: trade sale to strategic acquirer at £30–80M within 4–6 years.
Raising £[X] pre-seed · 18–24 months runway to Series A metrics · Funds allocated to product, growth, and team · Seeking angels and pre-seed funds with fintech or edtech experience.
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