A CREDIT QUACK ORIGINAL · EST. 2026
The world's first city where kids learn to build the future — money, music, code & AI — and launch their first real business. Free.
Quack City is a living 2D world with a real economy across 21 cities: credit lessons hidden in every building, a pro music studio, a Photoshop-style design lab, a kid coding-and-AI school, storefronts, an App Store and print-on-demand merch. It hands kids the high-end tools creators pay thousands for — and makes them impossible to put down.
21
cities you can fly to
4
flagship cities, fully walkable
31–43
ducks live in the city right now
4
pro studios: music · design · clothing · code
100%
free to play & create
1
App Store to launch what you build
THE PROBLEM · REAL NUMBERS
Kids inherit a credit system nobody taught them — then pay for it for decades
Every stat below is a public, cited figure. Quack City exists because the cheapest place to make a money mistake is inside a game, and the most expensive place is a 22-year-old's first credit report.
47%
Average financial-literacy score of U.S. adults — the lowest in the survey's 10-year history.
TIAA Institute–GFLEC P-Fin Index, 2026
38%
Share of questions Gen Z adults answer correctly. The generation entering the credit system knows the least about it.
TIAA Institute–GFLEC P-Fin Index, 2026
$246B
What lack of financial knowledge cost Americans in one year — about $948 per adult.
National Financial Educators Council, 2025
23
States that still don't guarantee every high-school student a personal-finance course.
Next Gen Personal Finance, 2025
$1.2T+
U.S. credit-card balances outstanding. Most of it starts with a first card nobody explained.
Federal Reserve Bank of New York, Household Debt Report
45M
Americans who are credit-invisible or unscorable — locked out of housing, cars and business capital.
Consumer Financial Protection Bureau
76%
Kids under 18 who play video games. Attention is already in the game — the lesson just isn't.
Entertainment Software Association
$200–$750
Retail price of one professional music-production suite (FL Studio, Ableton). Quack City's DAW costs a kid $0.
Published retail pricing, 2025
WHAT WE AIM TO FIX
Six broken things, one city
Credit before the first card
Utilization, inquiries, late marks, collections and disputes are lived inside the game. The QuackScore engine simulates a real bureau file — miss a parking ticket and it goes to collections, hurting your in-game score. The consequence lands at 12, not 22.
The $2,000-a-year tool gap
A DAW with plugins and mastering, a layered design studio, a 3D world. Professional creative software is priced for adults with jobs. We hand the same capability to every kid in the city for free.
Screen time → skill time
Kids already spend hours in Roblox and Fortnite. Quack City keeps the loop they love — explore, collect, trade, flex — and attaches a skill and a lesson to every reward.
A first paycheck, not a first debt
Royalties from real plays, beats sold to other players, clothing drops that ship as real merch. Kids learn what an advance, a split and a margin mean by earning one.
Career exposure at scale
Music production, graphic design, retail, real estate, banking, journalism (QET newsroom) and law (Credit Court) are all walk-in buildings. Most kids never meet a producer or an underwriter. Here they talk to one every day.
Parents get fixed too
Quack City sits on the Credit Quack funding platform. A kid's progress opens the door to the parent's real credit report, dispute tools and funding programs — one household, one fix.
HOW WE CHANGE THE WORLD
We hand every kid the tools the top 1% pay thousands for — and make them fun to master.
A kid in any zip code, in any country, can open Quack City and learn to build a website, produce a record, design a clothing line, understand AI and open a real store — for free, before they ever get their first paycheck or credit card. We turn the lessons that keep families stuck into a world kids can't put down.
Money confidence
Credit, budgeting and business — learned by living it, so the first real decision isn't the first time.
Creative power
A pro studio, design lab and code school in every kid's hands — talent stops depending on who can afford the software.
A first business
Storefronts, an App Store and real merch turn a kid's idea into a shareable, earning thing.
A global classroom
21 cities of culture, language and currency — the whole world made walkable.
EVERY FEATURE · REAL SCREENSHOTS
Sort the city by what it teaches
EDUCATION
Credit scores, utilization, disputes, mortgages, business credit, currency, house edge — every building is a lesson a kid finishes without noticing.
MONEY-MAKING
Coins are earned by learning and by creating: royalties from real plays, beat sales, store profits, QuackBay flips, clothing drops and real merch orders.
SKILL LEARNING
Produce beats, play piano and drums, design clothing and posters, run a shop, negotiate a label deal — skills with a career attached.
HIGH-END SOFTWARE, FREE
A DAW with plugins and mastering, a layered design studio with filters and print prep, a 3D world. Tools that cost $200–$2,000 a year — free for every kid in the city.
SKILLS → CAREERS
Every district maps to a real job
| Skill | Where it's taught in the city | Real-world path | Typical U.S. salary range |
|---|---|---|---|
| Music production | Quack Studio Pro · Beat School · Plugin Rack | Producer · sound engineer · composer | $50k–$120k |
| Graphic & apparel design | Threads Designer · Design School · Mall pixel-art | Graphic designer · apparel designer · brand artist | $45k–$95k |
| Personal finance & credit | Duck Academy · Dispute Lab · Credit Court · QuackPhone | Every career — and the difference between renting and owning | Lifetime |
| Entrepreneurship | Duck Row Mall stores · QuackBay · Quack Records deals | Founder · store owner · label executive | Unbounded |
| Real-estate & lending literacy | Funding Bank · DuckHomes · rent reporting | Loan officer · agent · first-time homebuyer | $55k–$110k |
| Languages & culture | Paris · Tokyo · London · Cairo phrasebooks and currency | Travel, trade and remote work readiness | — |
| Media & broadcasting | Quack FM · QET newsroom · DJ battles · Quack Station | Host · journalist · DJ · content creator | $40k–$90k |
Salary ranges are broad U.S. medians from public labor data and are illustrative, not guarantees.
SCHOOLS LANE · FOR EDUCATORS
Bring the whole city to your classroom.
Quack City is the easiest way to teach financial literacy, entrepreneurship, coding and the arts — all inside one world kids actually want to open. Enroll a classroom and every student gets a free account, a storefront and the pro studios. Nothing to install; it runs in any browser, on any device.
Free for classrooms
Every student, every tool — no cost during the beta.
One link to join
Share one link and your whole class is in, together.
Real-world skills
Money, business, code, AI, music & design in one place.
INVESTOR ASSESSMENT · EVERY FEATURE, SCORED
How each part of the city performs on the four things that matter
We grade our own product the way an acquirer would: how much it teaches, how long it holds a kid, whether it can make money, and whether it plays on a screen bigger than a phone.
| Feature set | What's live | Learning | Engagement | Revenue | Media / TV | Why it matters |
|---|---|---|---|---|---|---|
| Credit & funding education | Academy, Dispute Lab, Credit Court, Funding Bank, QuackScore engine | ★★★★★ | ★★★★★ | ★★★★★ | ★★★★★ | Core IP. Directly tied to the Credit Quack funding business; every lesson is a future client. |
| Quack Studio Pro (DAW) | Channel rack, piano roll, mixer, mastering, plugins, Beat School | ★★★★★ | ★★★★★ | ★★★★★ | ★★★★★ | Rare: a working DAW inside a browser game. Beat School is a ready-made competition/TV format. |
| Threads clothing designer | Layered editor, Design School, wear in-game, real print-on-demand via Stripe | ★★★★★ | ★★★★★ | ★★★★★ | ★★★★★ | Only feature with live real-money revenue today. Kid designs → real hoodie is a headline. |
| QuackNet economy | QuackBay marketplace, 40 collectibles, QuackTunes, QuackPay wallet, labels & royalties | ★★★★★ | ★★★★★ | ★★★★★ | ★★★★★ | Retention engine. Scarcity, trading and royalties teach markets without a lecture. |
| Multiplayer social world | Town Square, synced jukebox, chat wall, TV, dance floor, pets, vehicles | ★★★★★ | ★★★★★ | ★★★★★ | ★★★★★ | Where kids stay. Profanity-filtered, cloud-saved, live websockets. |
| World travel | 3D globe, Paris, Tokyo, London, Cairo, NYC — phrasebooks, currency, culture | ★★★★★ | ★★★★★ | ★★★★★ | ★★★★★ | Each city is a sponsorable district and a natural 'episode'. 15 more cities scoped. |
| Arcade, Dojo & mini-games | QuackMan, Credit Brawl vs. the four villains, leaderboards | ★★★★★ | ★★★★★ | ★★★★★ | ★★★★★ | Low-friction hook for the youngest players; villains are a merchandisable cast. |
WHY THIS IS AN INVESTMENT, NOT A DONATION
The category has already produced billion-dollar outcomes
Game-based learning, kids' finance and creator tools have each minted large companies separately. Quack City is the first product we know of that fuses all three around a real credit-repair and funding business that already serves paying clients.
- MINECRAFTAcquired by Microsoft for $2.5B (2014); Minecraft Education now sits in classrooms worldwide.
- KAHOOT!Game-based learning platform taken private at ~$1.7B (2023).
- ROBLOX80M+ daily users, a large share under 16 — proof that kids will live inside a user-generated world.
- GREENLIGHTKids' money app valued at $2.3B — parents pay for financial literacy.
- DUOLINGOTurned a school subject into a daily game habit and a public company.
HOW IT MAKES MONEY
Five revenue lines, two already wired
Location sponsorships
Storefront $2.5k → District naming rights. Tiers live on this page; brands teach their product inside a quest.
Real merch (live now)
Threads designs ship as printed apparel through card checkout. Platform margin on every order.
School & district licences
Design School, Beat School and Credit 101 as a classroom curriculum with dashboards.
Household funnel
Kid plays → parent onboards to the Credit Quack funding platform (CRM, credit AI, loan programs).
Marketplace take rate
QuackBay, QuackTunes and label deals already meter every transaction.
BUILT LIKE A SHOW · MEDIA & BRAND PARTNERS
Every district is a format a network or streamer can lift straight off the screen
Quack City was designed with a cast (the four Credit Villains, Teddy Riley, Anthony, the NPCs of Main Street), recurring locations and competitions with real prizes. That is a television bible, not just a game.
EP. 1
Beat School
Kids rebuild a hit inside the DAW with a legend's guidance. Format: weekly producer challenge, real release on Quack Records.
EP. 2
Design School Drop
Ten lessons, one collection. The winning design ships as real merch to viewers the same night.
EP. 3
Anthony's Tour & QET
The city already has a newsroom (QET · The Break), a radio station (Quack FM) and a founder-led tour. Segments, not sketches.
EP. 4
Credit Court
A courtroom where a kid disputes a fake collection and wins. Reality-TV stakes, classroom outcome.
EP. 5
A city per season
Paris, Tokyo, London, Cairo, New York — each globe city is an episode arc with its own culture and currency lesson.
OWN A LOCATION · EARLY PARTNERS
Put your brand inside the city kids walk through every day
Storefronts, buildings and whole districts can carry a partner's name, teach a partner's product and reward players for engaging. Early partners lock in founding pricing and a seat at the design table.
Storefront
$2,500 / yr
- ✦Your brand on a Duck Row store
- ✦Branded in-game items
- ✦Logo in the QuackNet homepage rotation
Building
$15,000 / yr
- ✦Name a Main Street building
- ✦Custom interior room + NPC
- ✦Quest line that teaches your product
- ✦Billboard on the blimp
District Naming Rights
Let's talk
- ✦Name an entire district or globe city
- ✦Co-designed curriculum lessons
- ✦Data dashboard on engagement
- ✦Launch event on Quack FM + QDN
INVEST · PARTNER · SPONSOR
Let's build the city together
We're raising to expand the world to 15 more cities, ship the design studio to schools, and turn the in-game economy into real scholarships and first paychecks for kids. Tell us who you are and we'll set up a call within 48 hours.
✦ Live product — play it right now at /city
✦ Built on the Credit Quack funding platform (CRM, Funding Center, credit-report AI)
✦ Multiplayer, cloud saves, real payments already wired