Finalist

Microcent

MCSquare is a gamified personal finance solution designed for GenZ, who complains that finances are boring and grueling, to navigate their personal finances in a peer-to-peer competitive game called 'Battle Pass.' In BattlePass, users face action-based checklists, strategy-based tasks, and risk-reward simulations to fix their finances and educate themselves in real time. Checklists are created depending on the user's current spending habits, such as 'No Uber for a week' or 'Cook at least twice a week and take a picture'. Strategy games are structured in a risk-reward manner by introducing concepts such as tax, investments, loans, rent, recession, and so on to allow users to make decisions based on fundamental concepts and be rewarded. 'Emcy,' a virtual bestie, has been developed to engage with users in a GenZ-centric fashion throughout their BattlePass journey. Emcy can roast, hype, or advise users based on their actions.

MCSquare encourages its users to arm themselves with better financial and retail products, such as credit cards and insurance, as well as discount coupons, in order to optimize their spending and earn platform currency 'Squares.' Squares can be used to play strategy games and earn new squares that users can eventually withdraw as cash by paying a transaction fee or stake to earn interest. MCSquare uses staked squares to give micro-credit to its users — little cash to get through the week before the next paycheck arrives. MCSquare ecosystem intends to optimize its users’ finances and keep them engaged with various strategic games while ensuring the Squares to stay within the environment.

For more information, please contact dare.to.change@ydc.org.hk

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