One initiative · Three experiences
Money is a language.
Most of us learned it too late.
Most money apps for children do one thing well — they track what a child spends and let a parent switch it off. None of them teach the child to think. We built TWin for the harder, more important job: the helper, not the tracker.
Financial literacy shouldn’t depend on the price of a subscription or the postcode of a school. TWin is built local-first and priced for everyone — so a classroom in a tier-two city has the same tools as anyone, anywhere. Built at DIFC Innovation Hub. Designed for everywhere.
Ages 5–10 · ThinkingWealth Alpha
A companion that grows up with them.
Alpha is a friend in their pocket: a character your child raises, who teaches earning, saving, sharing and dreaming through stories, quests and a garden that grows with every good habit. The AI lives on the device; the conversation is processed there, not sent to our servers.
- AI buddy, fully on-device
- Earn · save · share · dream quests
- A coin garden that grows with habits
- Parents see progress, not transcripts
Ages 11–21 · ThinkingWealth Z
First salary. First budget. First market decision.
Z is the coach for the decade money gets real. Practise investing in a living-markets simulator, drill scams before they find you, and build budgets that survive contact with real life. Calm and editorial — zero hype, zero jargon.
- On-device AI coach
- Investing simulator with living markets
- Scam-defence drills
- Region-aware: UAE · UK · India — halal overlay optional
For teachers · ThinkingWealth Class
Financial literacy, on the timetable.
Class turns any classroom into a money lab: ready-to-teach lessons, a voice tutor that joins the discussion, and send-home missions that bring the family in. Students join with a code on the day — no sign-ups, and no student account is ever created.
- 70+ classroom-ready lessons
- Tara, the voice tutor
- English · Hindi · Arabic
- No student accounts, by design
The quiet part, out loud
Childhood is not
a data set.
In Alpha and Z, the AI runs on the device. Your child’s conversation with their companion is computed there — processed on the device, not sent to our servers.
In Class, students join a lesson with a code and no student account is ever created — so there’s no student record on a server to hold, lose, or hand over.
A compact language model runs entirely on each device. It adapts to your child and remembers what matters — with no connection and no account. The safest child data is the data we never collect.
Read how it worksOne thread, age five to twenty-one
They grow through it,
not out of it.
Alpha graduates into Z. Class connects to both through a link thinner than a postcard — designed to carry only an assignment out and a completion back, nothing from a child’s conversation. One progression, no lock-in, no profile following your child around.