KiddieKredit

What KiddieKredit does

KiddieKredit (legal entity Leaping Harts, Inc.) is a Miami-based, private mobile-app company founded in 2018 that teaches children ages roughly 5-13 about credit scores and financial literacy through chore tracking. The core product is a free iOS and Android app in which children earn a proprietary 'Kiddie Kredit' score, modeled on FICO-style methodology, by completing parent-assigned chores; the score is supplemented by Panda Bucks (an in-app virtual currency), age-appropriate educational content via Kiddie Kredit Academy, smart notifications, and parent/child dashboards with separate logins. Underlying technology relies on a conventional mobile stack (AWS, MongoDB Atlas, Auth0, Mixpanel, Mailchimp) and COPPA-compliant data handling, with no disclosed proprietary AI components.

The business operates on a hybrid freemium model. The consumer app is free for families and functions primarily as a top-of-funnel acquisition vehicle rather than a direct revenue source. Monetization comes from two paid tiers: (1) institutional subscriptions sold to schools, camps, and educational programs via direct sales (contact: [email protected]), which unlock parent push notifications, program-level activity/reward management, and over 250 hours of financial literacy content, and (2) 'Kredit Quest,' a monthly auto-renewing in-app subscription offering expanded content. Pricing for both paid tiers is not publicly disclosed. Distribution is global via the Apple App Store and Google Play, supplemented by a content-marketing engine (The Giving Kredit Podcast, blog, email newsletter) and earned media coverage in Forbes, CNBC, Entrepreneur, NowThis, and FinTech Today.

Strategically, KiddieKredit has assembled a notable partnership stack for a company of its size, including Equifax (youth credit education), Google for Startups, Amazon Alexa Fund, Discover Card, OnDeck, Falls Fintech, Plain Sight Capital, and Nueterra Capital, alongside accelerator participation from LearnLaunch Fund. Total disclosed funding across 2020-2023 is approximately $1.59M, with the largest round ($1.4M, April 2023) led by Fuerza Ventures. The leadership team of six named executives is led by Founder & CEO Evan Leaphart (also co-founder of Black Men Talk Tech) and includes a former AWS software developer as CTO. The company is small (11-50 employees) and remains in early commercialization, with a credit-equity and wealth-literacy mission increasingly embedded in its positioning.

Name

KiddieKredit

Legal name

Leaping Harts, Inc.

Website

https://kiddiekredit.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

KiddieKredit is a Miami-based mobile-app company (founded 2018) that teaches children ages 5-13 about credit scores and financial literacy through gamified chore tracking, monetizing via paid subscriptions to schools, camps, and programs plus an in-app subscription called Kredit Quest.

Ownership category

akta.pro rank

Product category

Youth Financial Education Software

NAICS

Educational Support Services (611710)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Parent-Facing Home Learning & Family Engagement Apps (EDACANAK)

akta.pro secondary industries

Financial & Consumer Literacy (Banking, Credit, Contracts) (EDAAAAAG), Youth / Family Wallets & Allowance Payments (FSAMAEAK), Kids & Family Curated Content Platforms (MPACAKAL)

Keywords

• Youth financial literacy
• Chore tracking app
• Credit score education
• Kids money management
• Financial wellness software

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Free Family App: The core mobile app is free for individual families to download and use. Parents and children create separate login screens and dashboards. Revenue is not generated directly from families but serves as the primary acquisition funnel.
2. Organizational / Institutional Subscriptions: Schools, camps, and other programs pay for the app, receiving additional benefits including parent communication via push notifications, ability to add activities and rewards to family app, and access to over 250 hours of financial literacy content.
3. In-App Subscription (Kredit Quest): Monthly auto-renewing in-app subscription called 'Kredit Quest' available within the application. Users must turn off auto-renewal at least 24 hours before the end of the current subscription period.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

KiddieKredit builds and operates a mobile application (iOS and Android) that teaches children financial literacy by linking chore completion to a simulated "Kiddie Kredit" credit score modeled on traditional FICO-style scoring methodology. The free family tier offers parent and child dashboards, task customization, smart notifications, Panda Bucks virtual currency, and an in-app Kiddie Kredit Academy. A separate paid subscription is sold to schools, camps, and youth programs, adding parent push notifications, program activity and reward management, and access to over 250 hours of age-appropriate financial literacy content.

Product overview

Kiddie Kredit offers a suite of financial literacy products anchored by its core mobile application, which teaches children credit scores through chore tracking. The product portfolio includes the free family mobile app and a paid Organizations tier for schools and programs with expanded features and 250+ hours of educational content. The Kiddie Kredit Academy provides supplementary educational resources, while an optional in-app subscription (Kredit Quest) offers additional content. The company also produces The Giving Kredit Podcast as a content extension. The organization version is designed for classroom and program management use, while the family version is free to download.

Differentiator

Problem solved

Functional benefit

Products and services

• KiddieKredit Mobile App (Family / Free) Free-to-download iOS and Android mobile application for families that teaches children financial literacy by linking chore completion to a simulated Kiddie Kredit credit score modeled on traditional FICO-style scoring. Includes parent and child dashboards, task customization, smart notifications, Panda Bucks virtual currency, and the Kiddie Kredit Academy.
• KiddieKredit for Organizations Paid subscription version of the KiddieKredit platform sold to schools, camps, and youth programs. Enables parent communication via push notifications, programmatic addition of activities and rewards to family accounts, and unlocks over 250 hours of age-appropriate financial literacy content.
• Kredit Quest (In-App Subscription) Monthly auto-renewing in-app subscription offering additional financial literacy content and features within the KiddieKredit application. Auto-renewal can be turned off at least 24 hours before the end of the current subscription period.

Quantifiable outcome

• Over 60,000 tasks completed on the platform
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered core and minor.

• EquifaxcoreTechnology or IntegrationEquifax partnered with Kiddie Kredit as part of an initiative to scores points with youth credit education. The partnership positions Kiddie Kredit as a credible youth credit app supported by a major credit reporting bureau. Equifax Partner Kiddie Kredit Scores Points With Youth Credit App.
• Black Men Talk TechminorStrategic or Co-development PartnerFounder Evan Leaphart is a co-founder of Black Men Talk Tech, a community focused on Black professionals in technology. Kiddie Kredit is connected to this community as a founding initiative.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Greenlight: Greenlight is a kids and teen debit card platform with a financial literacy curriculum built into its app. Both Kiddie Kredit and Greenlight target parents seeking to teach children money skills through a digital product, though Greenlight centers on a real debit card while Kiddie Kredit centers on simulated credit scoring via chores.
• BusyKid: BusyKid is a chore, allowance, and investing app for kids that combines task tracking with a real prepaid debit card. It is the most direct functional overlap with Kiddie Kredit — both combine chore completion with financial education, and both serve families with children in similar age ranges.
• RoosterMoney: RoosterMoney is a chore and pocket money app for kids with optional parent-paid debit card integration. It competes most directly with Kiddie Kredit's chore-tracking and family-engagement features, particularly for parents who want a digital allowance and reward system.
• FamZoo: FamZoo is a family finance and chore management app that helps parents run IOU-based allowance programs for kids. It is a comparable direct peer because it combines chore tracking, allowances, and financial education in a single product aimed at families.

Broad incumbents

• Current: Current is a consumer fintech offering teen banking accounts with financial literacy content built into its app. It serves a similar parent-child demographic with a broader product suite (banking, saving, spending) that competes with Kiddie Kredit for family fintech wallet share.
• Step: Step is a teen banking and financial literacy platform offering secured credit-builder cards for teens. While Step focuses on older teens and real banking products, it competes with Kiddie Kredit for the same parent-driven demand to teach credit and money management to children.

Emerging players

• Goalsetter: Goalsetter is a youth financial literacy and savings platform that works with schools, families, and financial institutions. Like Kiddie Kredit, Goalsetter combines a financial literacy curriculum with B2B distribution into schools, and emphasizes credit and money education for kids and teens.
• Zogo Finance: Zogo is a gamified financial literacy app used by banks, credit unions, and universities to teach money concepts to young adults and teens. It overlaps with Kiddie Kredit on the financial-literacy-as-an-app model, though Zogo's audience skews older and its B2B distribution focuses on financial institutions rather than schools.
• Bankaroo: Bankaroo is a virtual family banking app for kids used both at home and in schools for financial literacy education. It overlaps with Kiddie Kredit in offering a school-friendly financial literacy product and in gamifying savings and allowance concepts for children.

Others

• Money Smart Kids (FDIC): The FDIC's Money Smart for Young People program is a free financial education curriculum widely used in K-12 schools. While not a commercial product, it competes indirectly with Kiddie Kredit Academy for institutional curriculum budget in the school financial literacy category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights2 records

Customer concentration

• Xx.com/kiddiekredit
• Facebookfacebook.com/kiddiekredit
• LinkedInlinkedin.com/company/kiddiekredit
• Instagraminstagram.com/kiddiekredit

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds6 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about KiddieKredit