"What does my kid do in Stocks?"

Stocks is a paper-money investing simulator. Your kid researches real companies — the ones they already know, like the makers of their games, shoes, and phones — using real market data, then builds a portfolio out of the ones they believe in. Every pick comes with a short recorded thesis: your kid's own reason for owning it. Over months, the app becomes a living record of how your kid thinks about the world, not a score to chase. To be clear from the start: all the money is simulated. There is no real cash, no card, no brokerage account, and nothing your kid can win or lose.

What your kid actually does, step by step

1. Explore companies. Your kid browses the Explore catalog — companies grouped by things they understand, like games, food, movies, tech, and shoes — and opens the ones they are curious about.
2. Research a company. Each company page leads with the plain-language basics: what the company makes, who buys it, how it makes money, and its biggest risk. Real market data and a price chart are there too, but they are not the headline.
3. Make a pick with paper money. When your kid decides to invest, they put simulated money behind the company. Picks are meant to be kept, so this is a decision to think through, not a quick trade.
4. Record a thesis (a "big idea"). Your kid records a short voice note explaining why they picked the company — what it makes, who buys it, why it will do well, and what could go wrong. This is the real work of the app.
5. Self-evaluate. Your kid listens back to their own thesis and rates how clear their thinking was. They are the judge of their own reasoning.
6. Unlock more as their thinking grows. Kids start as a Shrimp with $10,000 in paper money, grow to Dolphin at $100,000 by recording a thesis, and reach Whale at $1,000,000 — which asks for a parent co-sign.
7. Revisit over time. The app resurfaces old theses so your kid can see whether their prediction held up. That reflection is the point.

What they finish with

Your kid ends with a portfolio of companies they chose, each backed by a recorded thesis in their own voice, plus a growing journal of their thinking. They can share their portfolio as a snapshot — a safe, read-only picture with a friendly size tier (shrimp, dolphin, whale) — with no real-money exposure and nothing anyone can act on financially. Shareable snapshots can travel to Demo Week and to kubrio.com/made. What you see is thinking, not net worth. For how sharing works, see sharing and privacy.

The AI's role

The AI Crew works as a thinking partner, not a stock-picker or a grader. Tek acts as a sparring partner: your kid can talk through a company, and Tek pushes back with better questions — "who actually buys this?", "what would have to go wrong?" — so the reasoning stays your kid's. The Crew reacts to your kid's thesis; it never writes it, and it never tells your kid what to buy or scores their picks as right or wrong. The hand stays the hero.

What parents see

You get a clear view of what your kid is researching and the theses they record. The one place you are asked to act is the co-sign: to unlock the Whale tier, your kid records a bigger thesis and formally sends it to you. You receive their reasoning to review, and you co-sign to release the next level of paper capital. It is a moment for your kid to present their thinking to an adult they respect — not a payment step. For how Kubrio handles your kid's data, see safety and data.

Want to see the app first? Here is the Stocks studio. Ready to start? Start here.