Getting smarter about money finally pays.

Finance apps are where attention goes to die — the payoff of learning is real but decades away, while every other app on your phone pays out in seconds. BrickCoins close that gap: the rewards currency you earn by raising your MQ, spendable on real value inside MoneyBricks.

Every point of MQ you gain pays you BrickCoins on the spot. The smarter you get about money, the more you earn — and what you earn buys real value inside MoneyBricks.

Learning pays. Literally.

A paycheck for getting smarter

Payday hits different when it’s your own money habits paying you. Each week Brix totals what you earned — the points you gained, the habits you locked in, the streak you held — and drops the coins in your balance to spend in the Supply Yard.

Illustrative in-app screen.

The earning rule: MQ is the engine

BrickCoins are anchored to your MQ — not to logins, clicks, or time on the app. Rewarding raw activity trains people to open an app; rewarding MQ growth trains people to get smarter about money. Every verified MQ point pays 10 BrickCoins. Everything else you do pays too, but MQ growth is the highest-honor work on the jobsite. See how MQ works →

10coins
Raise your MQ by one point
The core wage. Verified by MQ reassessment — the platform pays for knowledge gained, not screens tapped.
100coins
Complete a MoneyBrick
Each of the 30 bricks is a real unit of curriculum. Finishing one is payday.
5coins
Daily Build session
Small, steady, predictable. A full 7-day week earns a 25-coin streak bonus.
75coins
Lock a Healthy Habit (3-3-3)
Three weeks of practiced behavior change is hard work. The pay reflects it.
250coins
Complete a Power Push sprint
Thirty days of focused effort against one goal earns a completion bonus.
20coins
Weekly Full Walkthrough
The weekly review is the platform's most valuable maintenance habit.
500coins
Stage-Up Moment
Crossing into a new Building Stage is the biggest milestone — and the biggest payout.
15coins
Helpful answer in Brickheads
Members who teach, learn twice. Awarded when the community marks your answer helpful.

Overtime pay

Like any good job, MoneyBricks pays overtime when the work matters most.

2× Apprentice Rate

Your first 30 days as a member

Churn risk is highest in month one. Double pay makes the habit stick before motivation fades.

2× Sprint Pay

Daily actions during an active Power Push

Sprints are the highest-intensity loop. Double-time keeps you on the job all 30 days.

Back-on-the-Job Bonus

Your first session after 14+ days away

You come back to a bonus, not a guilt trip. Most platforms punish absence; MoneyBricks welcomes the comeback.

The Streak Shield

The Streak Shield gives every member two protected days a week, automatically. Miss a day and the shield absorbs it — the streak holds. It measures commitment over time, not whether your job let you open an app on Tuesday. Because MoneyBricks members work doubles, night shifts, and 60-hour storm weeks — and punishing a paramedic for a 48-hour shift is exactly the office-worker design this platform rejects.

The Pay Stub — every Friday

Brix delivers your weekly earnings report: what you earned, what you earned it for, and your running balance.

BrickCoins Pay StubThis week

MQ +4 points+40
Healthy Habit locked+75
Daily Build (5 sessions)+25

Earned this week140 coins

“Solid week on the jobsite. MQ up 4 points, Daily Build streak intact, one Healthy Habit locked. That's 140 BrickCoins earned — you're 360 short of a free month of Core. Keep laying brick.” — Brix

Illustrative sample.

The Supply Yard — spend what you earn

The anchor reward is deliberate: you can pay for MoneyBricks with the knowledge you gained inside MoneyBricks. For a value-conscious audience, no badge beats a smaller bill.

2,500 coins
One free month of Core
The anchor reward. Learning literally pays your bill — the strongest alignment of member and platform there is.
5,000 coins
One free month of Pro
Lets committed Core members taste the upper tier — a redemption that doubles as an upgrade.
2,000 coins
Crew Gift — a free month for a friend
Turns the rewards economy into a referral engine. Spend coins to bring your crew on.
1,500 coins
Blueprint Labs premium calculator pack
Bonus tools and deep-dives — extras beyond the curriculum, never the curriculum itself.
1,000–3,000 coins
MoneyBricks gear (tee, jobsite mug, sticker pack)
Identity rewards. Members who wear the brand are the marketing plan.
Any amount
Donate to a financial-literacy nonprofit
Members who've built their wall can help someone else break ground.

Redemption values are illustrative and will be tuned during beta. Subscription credits are capped at two redeemed months per member per year, and coins expire after 18 months of account inactivity.

The rules of the yard

Gamification done badly turns an education platform into a slot machine. BrickCoins follow six non-negotiable rules — a wage, not a wager.

Coins are earned, never bought
There's no way to purchase BrickCoins. The only path is learning and doing — which keeps the currency honest and the status it confers real.
Not crypto, not cash
BrickCoins have no cash value, can't be transferred for money, and aren't a financial instrument. It's a closed-loop rewards program, cleanly outside money-transmitter and securities territory.
No public leaderboards
Working people consistently prefer private progress over peer comparison. Coins are personal — nobody sees your balance but you.
No loot boxes, no variable rewards
Every earning event is fixed, posted, and predictable — a wage, not a wager. We borrow gamification's best mechanics and refuse its manipulative ones.
Coins never gate education
All curriculum in your tier stays fully accessible. Coins buy extras — credits, gear, gifts, bonus tools — never shortcuts past learning.
MQ earnings are verified
MQ coins pay out on reassessment gains, on a set cadence, with diminishing awards for rapid retakes. The system pays for knowledge that sticks.