How it works

Six steps, one parent-approved reward

Every reward in Rpenny follows the same path — a parent assigns, a child completes, a parent reviews and approves, and virtual currency moves to the wallet.

How does it actually work?

Let's follow one challenge through six steps.

Step by step

The full challenge loop

Follow one challenge from assignment to practice — the same flow behind every reward in Rpenny.

A parent creates the challenge

A parent adds "Tidy your room" with a 250 virtual currency reward and assigns it to Aarav. It appears in the child's own Rpenny app.

Chore

Virtual currency

Tidy your room

Waiting for Aarav

The child marks it done

Aarav does the challenge and taps Done. Nothing is credited yet — a parent still has to check.

Penny

Lv. 4

340 XP

6-day streak

Task

Tidy your room

Done, waiting

It lands in the parent's review queue

The parent gets a notification and sees the challenge waiting for review. They can approve it, or reject it with a note so the child can try again.

Chore

Virtual currency

Tidy your room

The parent approves

One tap. The parent approves the challenge and the reward is released — every reward in Rpenny is approved by a parent first.

Chore

Virtual currency

Tidy your room

250 + 20 XP credited

Virtual currency and XP land in the child's wallet

250 virtual currency and 20 XP arrive in Aarav's wallet. The balance goes from 1,150 to 1,400 virtual currency, and the "New cricket bat" goal moves closer.

Wallet

1,400Virtual currency

Incoming+250 · Tidy your room

Tidy your room+250 virtual currency
Bonus from parent+50 virtual currency
Sent to Meera−100 virtual currency
Added to New cricket bat−200 virtual currency

Send to sibling

Ask to spend

Then the child puts it to work

Virtual currency can go toward a savings goal, be sent to a sibling, or get tried out in the Money Playground — simulated fixed deposit, SIP and recurring deposit, always practice, never real money.

Savings goal

New cricket bat

1,150 virtual currency / 2,400 virtual currency

Virtual currency

48% saved

Set your family up in the Parent app

Every child's account starts with a parent. Add the Child app once your child is ready to try Rpenny for themselves.

Get Rpenny Parent on Google Play Get Rpenny Child on Google Play