Abstract
Noventia is a live mobile app that teaches money and markets through action: interactive lessons, market simulators built on real history, daily training, and a forecast tournament judged by the real market. Every meaningful action is recorded in a ledger. From that ledger the app computes Proof of Evolution (PoE), a 0 to 100 score of genuine growth that cannot be bought, and mints Stars, an in-app currency that can only be earned.
This document describes what exists today, the principles behind PoE and the Stars ledger, and the stated intent to convert lifetime earned Stars into a token called NUTY at a future generation event, with no date and no target year, and only if specific conditions are met. It also lists, explicitly, what has not been decided.
The app is live. No token exists. Everything in chapter 5 is a design intent, not a commitment.
The Problem
Most people are never taught how money works. The consequences are quiet and expensive: debt cycles, missed compounding, panic-sold bottoms, scams that keep finding victims. Financial literacy is the rare skill that pays for itself and is almost never part of anyone's formal education.
The tools that try to fix this fail in two predictable ways.
Education without practice. Courses and videos explain markets, but explanation isn't skill. Nobody learns to swim from a lecture. The first time most people feel a drawdown is with their own money, which is the most expensive classroom on Earth.
Rewards that can be bought. Learning apps sell streak freezes, points, and badges. The moment progress is purchasable, it stops being evidence of anything. A profile full of bought achievements proves only that a card was charged.
The gap Noventia targets: practice on real market history without risking real money, and a measure of growth that money cannot touch.
The Product Today
Everything in this chapter is live. Nothing here is planned or intended, it exists and can be verified by installing the app.
2.1 The Academy
A base course of 10 interactive lessons: what money is, budget flows, debt and credit, the safety cushion, savings and compound interest, currencies, scams, taxes, investing basics, and the psychology of money. After the base, learners choose their track: stocks and funds, crypto, or analysis and trading. A fourth track, Tech, is open from the first day and needs no finance prerequisite: five quests in which the code you fix really executes and draws its result. Twenty-nine lessons in all.
Lessons run 20 to 30 minutes across five interactive mechanics. Checks explain mistakes and retest. There is no way to pass by guessing, and no payment unlocks a pass.
2.2 The Oracle
A daily forecast tournament. One asset per day from a rotating pool of seven: BTC, ETH, gold, the S&P 500 ETF, Apple, Tesla, and Nvidia. Participants call the direction and the strength of the next day's move. Twenty-four hours later, the real price settles the round: direction and strength correct scores 20 points, direction alone 10, a miss 0. Weekly seasons rank participants, and the top three split the season's Stars bank.
A price that cannot be real is not allowed to settle a round. Every settlement passes a corridor check sized to the asset type, and a move beyond it holds the round instead of scoring it: nobody gains, nobody loses, and a person checks the quote before anything counts. This has already caught a real case, a gold round where the open was quoted on spot and the close on a fund share. A broken number is a broken number, not a verdict.
The Oracle matters architecturally: it's the one place where a user's judgment is verified by an external, unfakeable source, the market itself.
2.3 Simulators, training, and news
Market simulators replay real historical scenarios: allocate $10,000 across assets and live through a year month by month, with an honest verdict at the end. Five years are playable: 2022's slow slide, 2020's crash and rebound, 2008's bank crisis, 2000's dot-com deflation, and 1979's inflation. Daily training keeps core skills warm with short drills. A curated news feed explains each day's real market headlines in plain language.
2.4 Status
A user's standing is three things: PoE, level, and one of two identities, Noventian or Pioneer. Pioneer is limited to 250 lifetime seats, granted automatically at PoE 10 with 7 active days while seats remain. It confers a badge and a number, nothing economic.
2.5 Platform
PoE Design Principles
Proof of Evolution is a score from 0 to 100 computed from the action ledger. The exact formula is not published, deliberately. Two reasons: a published formula becomes an optimization target rather than a measurement, and the formula evolves as the product does. What is fixed, and publicly committed, are the principles.
3.1 Only actions count
PoE reads the same ledger that records lessons completed, training done, simulator runs, and Oracle forecasts. No survey, no self-report, no payment has any path into the score.
3.2 It cannot be bought
There is no product, subscription, or transaction that moves PoE. This is not a pricing decision, it's the point of the system. The moment a score is purchasable it stops proving anything.
3.3 It measures the present
Consistency is measured over a rolling 30 days: stop, and the window empties. PoE is a claim about the present. A person who stopped six months ago should not carry the score of the person who kept going.
3.4 The market verifies
Part of what feeds PoE is Oracle accuracy, and Oracle verdicts are settled by real market prices. This gives PoE something almost no engagement metric has: an external judge that cannot be flattered, gamed, or paid.
3.5 Anti-farming is structural
Rewards are written to an idempotent ledger keyed by event: the same action cannot pay twice, and daily actions count once per day. Lesson checks explain and retest, so guessing doesn't converge on a pass. Time itself is a constraint: a month of consistency cannot be compressed into a weekend.
3.6 Bands
| Score | Band |
|---|---|
| 0 to 19 | Newcomer |
| 20 to 39 | Developing |
| 40 to 59 | Consistent |
| 60 to 79 | Dedicated |
| 80 to 100 | Evolved |
The Stars Ledger
Stars are the in-app currency. The interesting part isn't the currency, it's the ledger underneath, which is built the way you'd build a system that might one day face a token conversion audit.
4.1 How it works
- Event-keyed entries. Every reward is a ledger entry keyed by a unique event id. Replaying the same event is a no-op. This is what makes reward farming structurally impossible rather than merely discouraged.
- Earn-only minting. Stars enter existence exclusively through recorded actions. There is no purchase path, and adding one would contradict the design rather than extend it.
- Lifetime accounting. Spending inside the app draws down a spendable balance but never touches the lifetime earned total. The lifetime total is the number that any future conversion would read.
4.2 Why this matters
If a token conversion ever happens, the single hardest question is "who earned what, and can you prove it?" The ledger answers that question today, per user, per action, with idempotency guarantees. That's what "token-ready" means here: not a bridge contract, but clean books.
The NUTY Intent
This chapter is intent, not commitment. No token exists. Nothing here is an offer, and every figure is a design input that may change or not materialize.
5.1 What is intended
- Supply: 1,000,000,000 NUTY, fixed, no inflation.
- Conversion: 1 lifetime earned Star to 1 NUTY at TGE. Flat for everyone. No PoE multipliers, no special pools, no preferential rates for any group, including Pioneers.
- Timing: gated on the three conditions below, with no target year, no quarter and no countdown.
5.2 The three gates
A generation event is intended only if all three conditions hold:
- A product that retains. Demonstrated by retention metrics, not downloads or registrations.
- A real community. Active seasons, real PoE distributions, people who use the product for its own sake.
- Legal clarity. A structure and a formal legal opinion obtained with counsel. If the law says no, there is no token.
5.3 What is not decided
Listing the open questions is the honest alternative to promising answers:
- Blockchain. Not chosen. The decision is intended close to launch, based on conditions at that time.
- Allocation. Not published. The split is intended to be finalized with legal counsel before any TGE and published in full at that point. Publishing draft numbers now would create anchors that might have to be broken later, so none are given.
- Vesting. Not finalized, and not published until it is.
- Jurisdiction and entity structure. Under review with counsel. Current operations run through a Polish sole proprietorship; the token entity, if any, is an open question.
- NFT mechanics. Being explored. No decisions, no prices, no dates.
Risks
The token may never happen. This is the primary risk and it's stated plainly: if any of the three gates fails, product retention, real community, or legal clarity, there is no TGE. Stars would remain what they are today, an in-app currency with a lifetime ledger.
Product risk. The app may not reach the retention that gate one requires. Financial education is a hard market, and most learning apps lose their users. The app-first order exists precisely so this risk is absorbed before any token, not after.
Regulatory risk. Token law is unsettled and diverges across jurisdictions. A legal opinion may conclude that a conversion cannot be done cleanly, or only in restricted forms. In that case the conservative path is taken, including not launching.
Market risk. Crypto markets are volatile and cyclical. No claims are made about any future value of NUTY, and no reader should assume one.
Execution risk. The team is small and the scope is large. Timelines are intentionally not given, because a date we cannot keep is a debt we would have to repay.
Disclaimer
This document is for informational purposes only. It does not constitute financial, investment, legal, or tax advice, an offer to sell, or a solicitation of an offer to buy any token or security, in any jurisdiction. No NUTY tokens exist. All token mechanics described here are design intents that may change or not materialize. Figures labeled draft are drafts.
The Noventia app is an educational product. It does not provide financial advice, and nothing in the app or this document is a recommendation to buy or sell any asset.
© 2026 Noventia Protocol. All rights reserved.
End of v2-draft
Noventia Protocol © 2026