YOBY is rethinking financial education by moving it out of the textbook and into a shared multiplayer world where children, parents and schools can learn about money through play, choices and everyday decisions.
The browser-based platform places children inside a playful voxel environment where they explore as ducks, meet characters, collect symbolic currencies, complete activities and make decisions involving saving, spending, priorities, goals and trade-offs.
The idea behind YOBY is simple: financial habits are not built by memorizing definitions. They are built by making choices, seeing what happens next and discussing those choices with other people.
A child deciding whether to spend a symbolic currency immediately or save it for a larger objective is already practicing financial decision-making. YOBY turns these small decisions into part of an ongoing game experience rather than presenting them as isolated lessons or tests.
Parents are part of the same world. Through the family pond, adults can participate in the experience, supervise play and share goals and activities with their children. This creates a natural setting for conversations about money that might otherwise feel abstract, difficult or overly formal.
Schools can also use YOBY free of charge. Teachers can connect students to a class, assign financial-literacy activities and review results, while children continue to encounter the same concepts through the game world itself.
“Financial education becomes much more powerful when it stops feeling like financial education,” said Ricardo Piana, Co-CEO and CTO of YOBY. “Children learn by making choices, testing ideas and seeing consequences. We want money to become something families and schools can explore together, not another subject to memorize.”
YOBY uses symbolic currencies rather than real money. Players can earn and manage resources such as shells, seeds and stars, participate in market activities and progressively develop their environment. These mechanics create opportunities to practice planning, saving, delayed gratification, goal setting and decision-making without exposing children to financial risk.
The platform combines education, game design, artificial intelligence and multiplayer technology. Instead of adding points and badges to a conventional learning platform, YOBY starts with the game world itself. Learning is embedded into its characters, activities, economy and shared experiences.
This structure also allows financial education to become collaborative. A parent can discuss a decision with a child. A teacher can introduce a concept and later connect it to an activity. A child can encounter the same idea again through choices made during play.
YOBY is designed as a multilingual European experience, allowing families and schools in different countries to use the same underlying world while interacting in their own language.
Privacy and child safety are part of the product design. Family spaces are private, access can be supervised by parents and teachers, and YOBY does not rely on advertising or the sale of children’s data.
Development continues with new environments, missions, collections and increasingly sophisticated financial choices. The long-term ambition is to create a world that can grow with its players, beginning with simple ideas such as saving and spending and gradually introducing more mature forms of financial understanding.
For families, the goal is to create more opportunities to talk about money without turning every conversation into a lecture.
For schools, it means giving financial literacy a place where students can experience decisions instead of only reading about them.
And for children, YOBY remains first of all what it is meant to be: a world worth exploring.
More information: https://yoby.fun
Media Contact
Contact person: Ricardo Antonio Piana, Co-CEO and CTO
Company: YOBY
Phone: +393911370956
Website: https://yoby.fun