BrainPal
A bank with a brain, for young people

A bank with a brain, for young people

Every child has a crew of PALs — AI companions to help them grow.

BrainPal is the first AI bank for young people — where money, learning and safety live in one trusted family of AI companions: the PALs.

Get Early AccessWatch Oliver's Story

0+ Australian families on the early-access list

BrainPalOliver

Good morning,

Oliver

LEGO goal$30 / $45

$15 to go

+50
Let's save for that LEGO — you're 66% there!
The problem

The rules of growing up just changed.

Kids live in a tap-to-pay, always-on world — but the tools meant to guide them never caught up.

01

Money went invisible.

Kids don't touch cash — they tap, so the piggy-bank lessons no longer land.

~0%2007
~0%today
Cash as a share of paymentsa free-fall
03

Now they're locked out.

Australia's under-16 ban cleared kids off social media overnight — and the 84% who lived there have nowhere safe to go.

0%

of 8–12s were on social

02

Money, but no money sense.

Most kids get money long before they understand saving, interest or value.

04

Payments alone is a dead end.

A youth bank must be the last mile to everything a young person needs — or someone else owns the day.

A generation with money in their pockets, apps in their faces, and no single place that actually grows with them.

A new era of money

Meet your PALs — specialists when you need them.

AI companions for every purpose. A new AI era — and a new kind of money. PALs teach, tutor and guide healthier choices.

One brain, many faces. Every PAL has its own voice, personality and memory — it feels less like an app, more like talking to a friend.

Meet the cast — live now

MoneyPal

Financial coach
“Let's save for that LEGO.”

TutorPal

Subject tutor
“Here is your personalised History tutorial.”

ParentPal

Family coordinator
“Here's how today went.”
More on the way
CareerPalHealthPalInfluencerPalNotePal
Present when needed. Invisible when not.

A day with Oliver.

BrainPal
07:30Oliver

Good morning,

Oliver

Your money

$30.00

Quiz — Science9:00
Tutor session18:00

TutorPal is quiet until you ask.

07:30

Morning

BrainPal

BrainPal greets Oliver

Oliver starts his own day — his schedule's there if he wants it, but TutorPal stays quiet until he asks.

08:45

Walk to school

BrainPal

TutorPal prepares him for class

He decides to warm up for the quiz: a five-minute back-and-forth on his terms, then he puts it away.

14:15

At the shops

BrainPal

MoneyPal helps him decide

Oliver scans a few products to spot the healthier pick — and earns rewards for choosing well.

18:00

Tutor

BrainPal

An AI teacher conducts a science interview

Stuck on a subject, he asks for help. TutorPal runs a few flashcards, then quizzes him back — voice-first, never in the way, and rewards the effort.

19:15

Dinner

BrainPal

Phones down, family up

Phones down. The family talks about the day, no app in the room. BrainPal has nothing to add, and doesn't try.

20:00

Night

BrainPal

Parents receive a reassuring update

Oliver tries for one more chat — but the day's done. BrainPal signs off, quiet until morning.

Present all day. Never in the way.
Money

Learn money by living it.

Allowance flows in. Goals fill up. Chores convert into spending power. Every tap is a quiet lesson in agency — on a real, parent-controlled account.

“Teach your kids to save — start as young as possible, and save as much as possible. That's the only lesson they need.”
The Warren Buffett rule, turned into a game of compound interest.

Compound interest

Small habits, big future

The one lesson
$

Allowance in. Goals filling up. Every tap, a quiet lesson in agency — on a real, parent-controlled account.

AllowanceSavingsChoresInterestGoalsCardsPaymentsRewards
See it in action

One conversation. Everything a kid needs.

Not a chatbot. Not a menu of apps. The PALs call in the right specialist the moment it's needed — starting with money.

Family chat

PALs on call

Can I buy this LEGO set?
Oliver
MoneyPal joined
That's $45. You've got $30 saved. Want to set a goal for the last $15?

LEGO Star Destroyer

Savings goal · $30 / $45

$15 to goSet goal
Create a $10 chore for Oli.
Parent
ParentPal joined
Done. $15 bonus if you help organise the garage this weekend.

Organise the garage

This weekend · Oli

+$15
Verify with a photo when done
Also — help me revise science.
Oliver
TutorPal joined
Based on your previous tests, photosynthesis is on tomorrow's quiz. Want flashcards to practise? I'll interview you live tomorrow at 4pm.

Photosynthesis

On tomorrow's quiz

5 flashcards Live · 4pm
Practise now
Message BrainPal…
TutorPal · live now

Every subject, turned into flashcards, quizzes and live interviews.

Pick a subject — or upload a syllabus, a photo of the textbook, or your notes. TutorPal builds the study deck, then helps in whatever way lands: reading, testing, or talking it through out loud.

Study Concepts

Swipeable flashcards with real spaced repetition

Take a Quiz

Auto-generated questions, scored instantly

AI Interview

Explain concepts out loud to a live voice tutor

Chat with the lesson

Ask anything — the tutor already knows the topic

TutorPal

Keep your brain sharp

6
60%

Science

12 concepts · 5 to review

Grade 6

What would you like to do?

Study Concepts

Swipeable flashcards with real spaced repetition

Take a Quiz

Auto-generated questions, scored instantly

AI Interview

Explain concepts out loud to a live voice tutor

Chat with the lesson

Ask anything — the tutor already knows the topic

Upload a PDF, photo or notes — TutorPal builds the deck.

TutorPal in action
AI Interview0:42
Listening…
Explain photosynthesis in your own words.
Plants take in sunlight and turn it into food and oxygen…
Scored out of 10 — earn Brains for a clear answer.
Concept · 3 / 5

What gas do plants release during photosynthesis?

Explanation

Oxygen — released as a by-product when plants convert light, water and CO₂ into glucose.

ForgotGot itEasy
Quiz · Science3 / 5

Which gas do plants release?

OxygenNitrogenHydrogen
Nice — 80% so far
+40
Voice-first · works from any subject, any syllabus
How it works

One simple loop, on repeat.

No dashboards to master. Just a rhythm the whole family falls into.

Parents set rules
Kids act & learn
A reward flows
On repeatevery day
Step 1

Parents set the rules.

Funding, limits, approvals — once, in plain language.

Step 2

Kids act, BrainPal teaches.

A payment, a chore, a study task — a quick lesson wraps the moment.

Step 3

A reward flows.

BrainCoins, savings boosts, real-world rewards — always under parent authority.

Repeats every day — small moments, compounding
Connection, not a feed

The first social network parents actually want.

BrainCircles is where kids connect around goals, chores and real-world wins — verified friends and family only. No strangers, no infinite scroll, no ads. Safe by default.

Verified circles only
Parent-visible
No public feeds
No algorithms
BrainPal
16:20Oliver

Oliver's Circle

Verified friends & family

5 verified
Mia

Mia hit her bike goal

saved $120 · 6 weeks

Oliver + 3 cheered
Sam

Sam finished 3 chores

this week

+30

Footy trip fund

3 friends saving together · 60%

No strangers. No ads. Nothing to endlessly scroll.

Parent-verified
Real-world wins
Built for parents. Built on safety and privacy.

Authority without hovering.

Approve a purchase from the kitchen. Spot a worry before it grows. Know your child is safe — without watching their screen.

6:32

Thursday 12 June

BrainPalnow

Approve Oliver's purchase?

The Book Store

Science revision set

$12
Approved from the kitchen

Permission-based

Nothing happens without a parent's yes.

Bank-grade security

The same protection your money deserves.

AI moderation

Quietly watching for worries, not screens.

No ads, ever

No selling, no targeting, no exceptions.

Your child is the user — never the product.

Loved by families

Parents across Australia already trust BrainPal.

Loved by 2,400+ early-access families
“My 11-year-old finally gets that money runs out.”
EM

Emma M.

Melbourne

“My kids scan and ask before buying now.”
DK

Daniel K.

Brisbane

“I approve every cent — total peace of mind.”
SR

Sarah R.

Perth

FAQ

Questions, answered.

Everything parents ask before joining. Still unsure? We're one message away.

Still have a question?

Join the waitlist and our team will personally help you get set up.

Join the waitlist

Built for 8–17; guidance grows with them.

Our thesis

We are not building just another youth bank.

We are not building just another tutoring app.

We are not building just another social network.

We are building the AI operating system for childhood.

So we built the AI bank young people grow up with.

One trusted companion for saving, spending, learning and staying safe — that grows with every child.

0+ Australian families already joined

No spam, everBank-grade privacyMade in Australia