Financial education platform for adults, children and families.
Built for Solana Colosseum Frontier Hackathon 2026.

Most people are not bad with money. They were simply never taught how money works.

Millions of people do not understand inflation, saving, credit, interest rates, emergency funds or the basics of retirement planning. They lose purchasing power, take unfavorable loans, avoid financial planning and often rely on systems that may not protect them.

Coach FI guides the user through a financial transformation:

Awareness → Diagnosis → Education → Habit → Certification

1. User completes the Financial Health Check (score 0–100)
2. Sees how inflation has eroded their purchasing power (Inflation Reality Check)
3. Gets a personalized learning path (8 stages)
4. Talks to AI coach Mila — warm, direct and calm
5. Completes quizzes and earns Coach FI Tokens
6. Mints an NFT certificate on Solana Devnet as proof of progress

• Not a trading app
• Does not teach leverage, futures or speculation
• Does not provide financial advice or investment recommendations
• Does not promise returns

Coach FI is a calm educational platform for financial confidence, saving habits and long-term financial awareness.

Coach FI uses Solana for:

• Proof of learning — NFT certificates as non-speculative proof of education
• On-chain ownership — the user owns their certificate in their wallet
• Devnet flow — real mint via Metaplex Core, with a safe mock fallback for demo

• Solana Wallet Adapter (wallet connection on Devnet)
• @solana/web3.js configured on Devnet
• ConnectionProvider + WalletProvider + WalletModalProvider

• Mock NFT mint only as fallback when wallet/API/Devnet config are not available
• Mock transaction hash only in fallback
• Coach FI Tokens (local state)
• All user data (no backend)
• AI Coach Mila uses predefined replies only when ANTHROPIC_API_KEY / OPENROUTER_API_KEY are missing or the API does not respond

• Semantic HTML with aria-label, aria-live, aria-pressed, role
• Keyboard navigation and skip-to-content link
• Normal and high contrast toggle
• Large text toggle
• Status labels in text, not color alone
• Kids mode with simplified interface
• Voice-first Accessibility Mode for blind, low-vision and elderly users
• Read-aloud shortcuts without speech-to-text or microphone

Coach FI uses the voice system as a first-class accessibility layer:

• /api/tts calls ElevenLabs TTS when ELEVENLABS_API_KEY is configured. Falls back to a multilingual voice (Rachel, eleven_multilingual_v2) when no locale-specific voice ID is set.
• VoiceProvider falls back to browser window.speechSynthesis whenever /api/tts returns a fallback response, times out or fails.
• VoiceButton appears on the voice demo, coach messages, quiz questions, inflation insights, the financial score and the Accessibility Mode page.
• VoiceButton supports icon, pill and large variants. The large variant is built for Accessibility Mode with a 56px minimum height and strong focus ring.
• Accessibility Mode is designed for blind, low-vision and elderly users, with five large voice actions and matching readable text cards.

• The global support, reading and education agent uses the ElevenLabs ConvAI web widget.
• The default agent ID is configured via NEXT_PUBLIC_ELEVENLABS_AGENT_ID.
• The widget receives runtime dynamic variables for locale, current page, demo score, learning stage, savings goal, token balance and accessibility/text-only mode.
• The widget can use a signed URL from /api/mila-token when ELEVENLABS_API_KEY is configured; otherwise it falls back to the public agent ID.
• Signed URL mode requires the ElevenLabs API key permission convai_write; without it the public widget still works when the agent allows public widget access.
• Client tools are registered in the browser for safe in-app navigation and context lookup: navigateToCoachFIPage, openHealthCheck, openInflation, openLearningPath, openQuiz, openRewards, openAccessibilityMode, openVoiceDemo, getCoachFIContext, setCoachFIAgentTextMode.
• Text input, transcript and microphone muting are enabled in the widget. AudioWorklet processors are self-hosted from /elevenlabs-worklets/ to work with strict CSP.
• API keys remain server-only; never expose ELEVENLABS_API_KEY to the browser.
• Local microphone access requires Permissions-Policy to include microphone=(self) and browser permission set to Allow.

• The voice demo supports EN / PL / JA: English, Polski and 日本語.
• Each /api/tts request is limited to 500 characters.
• All voice demos use short predefined scripts from lib/voiceDemoScripts.ts.
• Audio never autoplays; the user must click a VoiceButton.
• VoiceProvider keeps an in-memory audio cache by text + locale + voiceId + modelId.
• Browser speechSynthesis is used as a fallback when ElevenLabs is unavailable.
• The click-to-play TTS demo does not use the realtime voice agent, microphone input, speech-to-text or voice cloning.
• Long lesson generation is intentionally excluded.
• Optional locale voice IDs: ELEVENLABS_PL_VOICE_ID, ELEVENLABS_EN_VOICE_ID, ELEVENLABS_JA_VOICE_ID.
• Optional ConvAI widget agent ID: NEXT_PUBLIC_ELEVENLABS_AGENT_ID.

app/
  page.tsx              — Home dashboard
  voice-demo/           — EN / PL / JA ElevenLabs TTS demo
  health-check/         — Financial Health Check
  inflation/            — Inflation Reality Check
  learn/                — Learning path
  coach/                — AI Coach chat
  quiz/                 — Quiz system
  rewards/              — Tokens and NFT certificates
  kids/                 — Kids mode
  accessibility/        — Accessibility mode
  partner/              — B2B Partner Portal
  layout.tsx
  providers.tsx         — Solana Wallet Adapter

components/
  AppNavigation.tsx     — Sidebar + header + footer + mobile nav
  MilaAvatar.tsx        — Mila avatar
  MilaVoiceAgent.tsx    — ElevenLabs ConvAI widget
  FinancialScoreCard.tsx
  InflationChart.tsx    — Recharts line chart
  NFTCertificateCard.tsx
  ProgressPath.tsx      — 8-stage learning path
  QuizCard.tsx          — Multi-question quiz with feedback
  SectionHeader.tsx     — Screen header + read-aloud button
  TokenRewardCard.tsx
  AccessibilityToggle.tsx
  VoiceButton.tsx       — TTS button (icon / pill / large variants)
  ui/                   — button, card, badge, dialog, progress

data/
  mockUser.ts           — Demo user data
  lessons.ts            — Stages, coach messages, quick replies, kids modules
  quizQuestions.ts      — Quiz questions with answers and rewards
  certificates.ts       — NFT certificate definitions

lib/
  inflation.ts          — Inflation and scenario calculations
  solanaMock.ts         — Mock tx hash + wait()
  numerology.ts         — Life path number bonus
  utils.ts              — cn(), formatCurrency(), formatNumber()
  i18n/                 — Translations: en, pl, ja
  localizedContent.ts   — Mila messages, accessibility actions, coach copy

npm install
npm run api:check
npm run dev

Open http://localhost:3000

All external integrations are controlled via .env.local. Copy .env.example, fill in your keys and verify:

copy .env.example .env.local
npm run api:check

A detailed guide is in docs/API_SETUP.md.

If the microphone does not work locally, restart the dev server after changing next.config.mjs. Then open Chrome site settings for http://localhost:3000 and set Microphone to Allow. On Windows, also check Settings → Privacy & security → Microphone and allow desktop apps to access the microphone.

Coach FI can be deployed by banks, brokers, investment houses, crypto exchanges, schools, universities and foundations as a white-label financial education platform with Solana-certified progress.

• Production NFT metadata and mint monitoring on Devnet / Mainnet
• Backend with authentication and learning history
• Evals, guardrails and improved AI coach personalization
• PWA / React Native
• Open banking integration (PSD2)
• Additional languages (UA, RO, DE)

Coach FI is an educational application. It does not provide financial advice, investment recommendations or guarantee returns. All examples and simulations are for educational purposes only.

Solana Colosseum Frontier Hackathon 2026 · Coach FI v0.2.0