The Co-op System
Transform traditionally isolating financial tasks into a collaborative, motivating, and rewarding co-op game for the Couple. The core principle: Shared Progress, Not Individual Performance. All achievements, rewards, and milestones are owned by the Couple as a unit.
The Unifying Mechanic: Shared XP & Couple Level
A single, shared "Nexus XP" bar drives all gamification. Positive financial actions earn XP toward leveling up the Couple, reinforcing teamwork and reducing conflict.
XP-Earning Actions:
- • Winning a "Budget Boss" Challenge
- • Completing a "Co-op Savings Sprint"
- • Fully funding a Bill Buffer or Safety Net
- • Completing a "Playbook" quest
- • Hitting Growth bucket milestones
Level-Up Rewards:
- • Cash bonuses to shared fun funds
- • Temporary boosts to shared savings
- • Cosmetic app upgrades
- • Unlocked themes and features
Budget Boss Challenge
Make budgeting feel like a co-op challenge with clear rewards for both partners. Stay under your total variable spending budget for the cycle, and surplus funds become "loot"—not leftover cash.
Key Features:
- • Surplus funds are framed as "winnings"
- • Pre-set Surplus Accords determine allocation
- • Success grants Shared XP and couple progress
- • Messaging focuses on smart spending, not austerity
BUDGET BOSS: VICTORY!
You beat the budget by
$72.50
Winnings allocated to 'Holiday' Fund as per your Surplus Accord
+150 Nexus XP Earned!
Co-op Savings Sprints
Break big savings goals into engaging, collaborative weekly micro-goals. Variable targets keep progress feeling dynamic and interactive, with both partners actively contributing.
Sprint Mechanics:
- • Weekly targets adjusted by Adaptive Coach
- • Collaborative funding via micro-transfers
- • UI focuses on joint achievements only
- • Adaptive targets prevent stress
This Week's Sprint: Emergency Fund
Days Left
2
Team Victory
On Track!
GoalDrive & Visualization
See progress toward shared, meaningful goals in a visual, tangible way. Upload a photo of your target item and watch it fill with color as savings accumulate.
Smart Features:
- • Pre-set Cancellation Accords prevent disputes
- • Adaptive Coach suggests collaborative adjustments
- • Visual progress with uploaded photos
- • Automatic reallocation recommendations
GoalDrive: Living Room Couch
🛋️ Dream Couch
Saved: $1,350 / $3,000
Target: March 2026
45%
Ahead of schedule!
Nexus Pledge Protocol
Handle large, unplanned purchases without arguments or derailment. When a big expense creates a virtual deficit, the War Room interface helps both partners allocate funds collaboratively.
Protocol Features:
- • Dual-partner War Room interface
- • Dual authorization required
- • Adaptive Coach suggests allocations
- • Conscious, collaborative decision-making
⚠️ Pledge Protocol Activated
Unbudgeted expense: Car Repair - $850
Adaptive Coach Integration
Real-Time Monitoring:
- • Tracks actual vs Program Buckets spending
- • Prioritizes Reward bucket to maintain motivation
- • Balances Growth/Stability when Essentials spike
- • Projects horizon-based targets for alignment
Smart Recommendations:
- • Suggests extra % allocation to underfunded buckets
- • Provides one-click reallocation options
- • Maintains safe limits while optimizing
- • Celebrates wins and course-corrects smoothly