PayGrade is an online virtual bank and investment simulation used by thousands of schools around the world to teach students all about money. On PayGrade, students experience real world money situations and navigate the ins and outs of everything related to personal finance like saving, budgeting, paying bills, earning income, investing and more. We live in a complicated financial system that is full of financial opportunity as well as financial traps, scams, and daily temptations to spend money. At PayGrade, we don’t just teach the basic money management skills in a day, we create an immersive experience for students to dive deep into their own money habits and grow into responsible, educated consumers. In Elementary and Middle Schools, teachers use our platform to create Classroom Economies, where students are assigned jobs to help run the classroom and they are paid for their work. Additionally, teachers assign bills, hand out citations for off task behavior, reward students for going above and beyond, and allow students to experience basic money situations like buying vs renting their desks. In High School and beyond, teachers use our platform to introduce their students to real world job applications, writing resumes, managing credit, and investing in various financial instruments. PayGrade allows students to virtually trade over 3,300 stocks, 500 of the most popular cryptocurrencies, as well as foreign currencies – all with real time market data.