feat: complete Phase 1 foundation scaffold

- Monorepo: Turborepo + pnpm workspaces with 7 apps/packages
- Backend: NestJS scaffold with 9 modules (auth, tenant, curriculum, simulation, portfolio, ai-coach, analytics, classroom, gamification)
- Frontend: React 18 + Vite + TailwindCSS + shadcn/ui with 10 pages, 14 UI primitives, 3 Zustand stores
- Database: Prisma schema with 19 models, 13 enums, seed script, multi-tenant ready
- Docker: Dev, production, and Portainer Compose files with Traefik reverse proxy
- Configuration: .env.example (47 vars), Zod validation, frontend-safe env exposure
- i18n: English + Greek locale files (10 files), ICU MessageFormat, react-i18next
- Shared packages: @investplay/types, @investplay/ui, @investplay/i18n, @investplay/utils
- CI/CD: GitHub Actions (lint, typecheck, test, build, deploy, PR checks)
- Documentation: CONTEXT.md, ARCHITECTURE.md (10 Mermaid diagrams), API.md, LOCALIZATION.md, DEVELOPMENT-ROADMAP.md
- Infrastructure: Dockerfiles (dev + prod), nginx configs, backup/healthcheck scripts
- Security: JWT auth guards, role-based access, rate limiting, Helmet, CORS, PII sanitization

apps/api/prisma/schema.prisma

@@ -0,0 +1,572 @@
+// ─────────────────────────────────────────────────────────────────────────────
+// InvestPlay – Prisma Schema (PostgreSQL)
+// Multi-tenant financial education platform
+// ─────────────────────────────────────────────────────────────────────────────
+
+generator client {
+  provider        = "prisma-client-js"
+  previewFeatures = ["multiSchema", "fullTextSearch"]
+}
+
+datasource db {
+  provider = "postgresql"
+  url      = env("DATABASE_URL")
+}
+
+// ─── Enums ───────────────────────────────────────────────────────────────────
+
+enum UserRole {
+  STUDENT
+  TEACHER
+  TENANT_ADMIN
+  PLATFORM_ADMIN
+  CONTENT_MANAGER
+  RESEARCHER
+}
+
+enum AIMode {
+  MANAGED
+  BYOK
+  DISABLED
+}
+
+enum SubscriptionStatus {
+  TRIALING
+  ACTIVE
+  PAST_DUE
+  CANCELED
+  EXPIRED
+}
+
+enum CurriculumTrack {
+  SURVIVAL_BASICS
+  CREDIT_DEBT
+  WEALTH_BUILDER
+  ANTI_HYPE
+  MACROECONOMICS
+}
+
+enum ProgressStatus {
+  NOT_STARTED
+  IN_PROGRESS
+  COMPLETED
+  FAILED
+}
+
+enum SubmissionStatus {
+  PENDING
+  SUBMITTED
+  GRADED
+  RETURNED
+}
+
+enum SimulationType {
+  BUDGET_CHALLENGE
+  EMERGENCY_FUND
+  COST_OF_LIVING
+  BLIND_ASSET
+  MARKET_CRASH
+  RENT_VS_TRANSPORT
+  SAVINGS_HABIT
+  ESG_PORTFOLIO
+  INTEREST_APY
+  DEBT_REPAYMENT
+}
+
+enum SessionStatus {
+  WAITING
+  IN_PROGRESS
+  ENDED
+  CANCELLED
+}
+
+enum AssetType {
+  STOCK
+  ETF
+  BOND
+  CRYPTO
+  CASH
+  REAL_ESTATE
+  COMMODITY
+}
+
+enum TradeType {
+  BUY
+  SELL
+}
+
+enum XPReason {
+  LESSON_COMPLETED
+  QUIZ_PASSED
+  STREAK_MAINTAINED
+  CHALLENGE_COMPLETED
+  SIMULATION_COMPLETED
+  DIVERSIFICATION
+  RISK_MANAGEMENT
+  HYPE_AVOIDED
+  DEBT_PAID_OFF
+}
+
+enum BadgeCategory {
+  MILESTONE
+  SKILL
+  CHALLENGE
+  STREAK
+  SPECIAL
+}
+
+enum AnalyticsEventType {
+  LESSON_STARTED
+  LESSON_COMPLETED
+  QUIZ_ATTEMPTED
+  SIMULATION_JOINED
+  TRADE_EXECUTED
+  RISK_WARNING_SHOWN
+  RISK_WARNING_IGNORED
+  PANIC_SELL_DETECTED
+  HYPE_TRAP_TRIGGERED
+  AI_COACH_CONSULTED
+}
+
+// ─── Core Identity ───────────────────────────────────────────────────────────
+
+model User {
+  id              String   @id @default(cuid())
+  email           String   @unique
+  passwordHash    String?
+  firstName       String
+  lastName        String
+  role            UserRole
+  locale          String   @default("en")
+  avatarUrl       String?
+  tenantId        String
+  xp              Int      @default(0)
+  level           Int      @default(1)
+  streakDays      Int      @default(0)
+  lastActiveAt    DateTime?
+  emailVerifiedAt DateTime?
+  ssoProvider     String?
+  ssoSubject      String?
+  deletedAt       DateTime?
+  createdAt       DateTime @default(now())
+  updatedAt       DateTime @updatedAt
+
+  tenant            Tenant              @relation(fields: [tenantId], references: [id], onDelete: Restrict, onUpdate: Cascade)
+  progress          UserProgress[]
+  portfolios        Portfolio[]        @relation("UserPortfolio")
+  trades            Trade[]
+  badges            UserBadge[]
+  classrooms        ClassroomStudent[]
+  aiLogs            AILog[]
+  refreshTokens     RefreshToken[]
+  quizAttempts      QuizAttempt[]
+  xpEvents          XPEvent[]
+  dailyStreaks      DailyStreak[]
+  analyticsEvents   AnalyticsEvent[]
+  createdClassrooms Classroom[]         @relation("ClassroomTeacher")
+  createdSimulations SimulationSession[] @relation("SimulationCreator")
+  submittedAssignments AssignmentSubmission[]
+
+  @@index([tenantId])
+  @@index([email])
+  @@index([role])
+  @@unique([ssoProvider, ssoSubject])
+  @@map("users")
+}
+
+model Tenant {
+  id                     String             @id @default(cuid())
+  name                   String
+  slug                   String             @unique
+  domain                 String?
+  domains                Json?
+  branding               Json?
+  featureFlags           Json?
+  aiMode                 AIMode             @default(MANAGED)
+  aiApiKey               String?
+  aiMonthlyTokenBudget   Int                @default(1000000)
+  aiTokensUsedThisMonth  Int                @default(0)
+  defaultLocale          String             @default("en")
+  excludeFromResearch    Boolean            @default(false)
+  subscriptionStatus     SubscriptionStatus @default(TRIALING)
+  stripeCustomerId       String?
+  stripeSubscriptionId   String?
+  maxStudents            Int?
+  deletedAt              DateTime?
+  createdAt              DateTime           @default(now())
+  updatedAt              DateTime           @updatedAt
+
+  users       User[]
+  classrooms  Classroom[]
+  modules     Module[]
+  aiLogs      AILog[]
+
+  @@index([slug])
+  @@index([domain])
+  @@index([subscriptionStatus])
+  @@map("tenants")
+}
+
+model RefreshToken {
+  id        String    @id @default(cuid())
+  token     String    @unique
+  userId    String
+  expiresAt DateTime
+  revokedAt DateTime?
+  createdAt DateTime  @default(now())
+
+  user User @relation(fields: [userId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+
+  @@index([userId])
+  @@index([token])
+  @@map("refresh_tokens")
+}
+
+// ─── Curriculum ──────────────────────────────────────────────────────────────
+
+model Module {
+  id              String          @id @default(cuid())
+  cmsId           String
+  track           CurriculumTrack
+  title           String
+  description     String?
+  order           Int
+  estimatedHours  Float?
+  xpReward        Int             @default(100)
+  tenantId        String?
+  isActive        Boolean         @default(true)
+  createdAt       DateTime        @default(now())
+  updatedAt       DateTime        @updatedAt
+
+  lessons Lesson[]
+  tenant  Tenant? @relation(fields: [tenantId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+
+  @@index([track])
+  @@index([tenantId])
+  @@index([cmsId])
+  @@map("modules")
+}
+
+model Lesson {
+  id                String   @id @default(cuid())
+  cmsId             String
+  moduleId          String
+  title             String
+  description       String?
+  order             Int
+  estimatedMins     Int      @default(5)
+  xpReward          Int      @default(25)
+  requiredLessonId  String?
+  blocks            Json?
+  isActive          Boolean  @default(true)
+  createdAt         DateTime @default(now())
+  updatedAt         DateTime @updatedAt
+
+  module            Module          @relation(fields: [moduleId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+  requiredLesson    Lesson?         @relation("LessonPrerequisite", fields: [requiredLessonId], references: [id], onDelete: SetNull, onUpdate: Cascade)
+  dependentLessons  Lesson[]        @relation("LessonPrerequisite")
+  progress          UserProgress[]
+  assignments       Assignment[]
+  quizAttempts      QuizAttempt[]
+
+  @@index([moduleId])
+  @@index([cmsId])
+  @@map("lessons")
+}
+
+model UserProgress {
+  id              String         @id @default(cuid())
+  userId          String
+  lessonId        String
+  status          ProgressStatus
+  quizScore       Float?
+  quizAttempts    Int            @default(0)
+  timeSpentSeconds Int           @default(0)
+  completedAt     DateTime?
+  createdAt       DateTime       @default(now())
+  updatedAt       DateTime       @updatedAt
+
+  user   User   @relation(fields: [userId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+  lesson Lesson @relation(fields: [lessonId], references: [id], onDelete: Restrict, onUpdate: Cascade)
+
+  @@unique([userId, lessonId])
+  @@index([userId])
+  @@index([lessonId])
+  @@index([status])
+  @@map("user_progress")
+}
+
+model QuizAttempt {
+  id          String   @id @default(cuid())
+  userId      String
+  lessonId    String
+  answers     Json
+  score       Float
+  passed      Boolean
+  attemptedAt DateTime @default(now())
+
+  user   User   @relation(fields: [userId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+  lesson Lesson @relation(fields: [lessonId], references: [id], onDelete: Restrict, onUpdate: Cascade)
+
+  @@index([userId])
+  @@index([lessonId])
+  @@map("quiz_attempts")
+}
+
+// ─── Classroom ───────────────────────────────────────────────────────────────
+
+model Classroom {
+  id              String   @id @default(cuid())
+  name            String
+  description     String?
+  tenantId        String
+  teacherId       String
+  inviteCode      String   @unique
+  inviteExpiresAt DateTime?
+  isActive        Boolean  @default(true)
+  createdAt       DateTime @default(now())
+  updatedAt       DateTime @updatedAt
+
+  tenant             Tenant                @relation(fields: [tenantId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+  teacher            User                  @relation("ClassroomTeacher", fields: [teacherId], references: [id], onDelete: Restrict, onUpdate: Cascade)
+  students           ClassroomStudent[]
+  assignments        Assignment[]
+  simulationSessions SimulationSession[]
+
+  @@map("classrooms")
+}
+
+model ClassroomStudent {
+  id          String    @id @default(cuid())
+  classroomId String
+  userId      String
+  joinedAt    DateTime  @default(now())
+  leftAt      DateTime?
+
+  classroom Classroom @relation(fields: [classroomId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+  user      User      @relation(fields: [userId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+
+  @@unique([classroomId, userId])
+  @@index([userId])
+  @@map("classroom_students")
+}
+
+model Assignment {
+  id          String   @id @default(cuid())
+  classroomId String
+  lessonId    String
+  title       String
+  description String?
+  dueDate     DateTime?
+  createdAt   DateTime @default(now())
+  updatedAt   DateTime @updatedAt
+
+  classroom   Classroom              @relation(fields: [classroomId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+  lesson      Lesson                 @relation(fields: [lessonId], references: [id], onDelete: Restrict, onUpdate: Cascade)
+  submissions AssignmentSubmission[]
+
+  @@map("assignments")
+}
+
+model AssignmentSubmission {
+  id           String         @id @default(cuid())
+  assignmentId String
+  userId       String
+  status       SubmissionStatus
+  score        Float?
+  feedback     String?
+  submittedAt  DateTime?
+  gradedAt     DateTime?
+
+  assignment Assignment @relation(fields: [assignmentId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+  user       User       @relation(fields: [userId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+
+  @@unique([assignmentId, userId])
+  @@map("assignment_submissions")
+}
+
+// ─── Simulation & Portfolio ──────────────────────────────────────────────────
+
+model SimulationSession {
+  id           String         @id @default(cuid())
+  type         SimulationType
+  title        String
+  description  String?
+  classroomId  String?
+  createdById  String
+  scenarioData Json
+  status       SessionStatus
+  startedAt    DateTime?
+  endedAt      DateTime?
+  createdAt    DateTime       @default(now())
+
+  classroom Classroom? @relation(fields: [classroomId], references: [id], onDelete: SetNull, onUpdate: Cascade)
+  creator   User       @relation("SimulationCreator", fields: [createdById], references: [id], onDelete: Restrict, onUpdate: Cascade)
+  portfolios Portfolio[]
+
+  @@map("simulation_sessions")
+}
+
+model Portfolio {
+  id                  String   @id @default(cuid())
+  userId              String
+  simulationSessionId String?
+  name                String   @default("My Portfolio")
+  cashBalance         Decimal  @default(0)
+  initialBalance      Decimal  @default(10000)
+  currentValue        Decimal?
+  roi                 Float?
+  createdAt           DateTime @default(now())
+  updatedAt           DateTime @updatedAt
+
+  user              User               @relation("UserPortfolio", fields: [userId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+  simulationSession SimulationSession? @relation(fields: [simulationSessionId], references: [id], onDelete: SetNull, onUpdate: Cascade)
+  holdings          Holding[]
+  trades            Trade[]
+
+  @@map("portfolios")
+}
+
+model Holding {
+  id                  String    @id @default(cuid())
+  portfolioId         String
+  assetSymbol         String
+  assetName           String?
+  assetType           AssetType
+  quantity            Decimal
+  averagePrice        Decimal
+  currentPrice        Decimal?
+  allocationPercentage Float?
+  createdAt           DateTime  @default(now())
+  updatedAt           DateTime  @updatedAt
+
+  portfolio Portfolio @relation(fields: [portfolioId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+
+  @@index([portfolioId])
+  @@map("holdings")
+}
+
+model Trade {
+  id              String   @id @default(cuid())
+  portfolioId     String
+  userId          String
+  assetSymbol     String
+  type            TradeType
+  quantity        Decimal
+  price           Decimal
+  totalValue      Decimal
+  simulationTick  Int?
+  executedAt      DateTime @default(now())
+
+  portfolio Portfolio @relation(fields: [portfolioId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+  user      User      @relation(fields: [userId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+
+  @@index([portfolioId])
+  @@index([userId])
+  @@index([executedAt])
+  @@map("trades")
+}
+
+// ─── Gamification ────────────────────────────────────────────────────────────
+
+model Badge {
+  id          String        @id @default(cuid())
+  key         String        @unique
+  name        String
+  description String
+  icon        String
+  category    BadgeCategory
+  criteria    Json
+  xpReward    Int           @default(50)
+  createdAt   DateTime      @default(now())
+
+  users UserBadge[]
+
+  @@map("badges")
+}
+
+model UserBadge {
+  id        String   @id @default(cuid())
+  userId    String
+  badgeId   String
+  earnedAt  DateTime @default(now())
+  context   Json?
+
+  user  User  @relation(fields: [userId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+  badge Badge @relation(fields: [badgeId], references: [id], onDelete: Restrict, onUpdate: Cascade)
+
+  @@unique([userId, badgeId])
+  @@index([userId])
+  @@map("user_badges")
+}
+
+model XPEvent {
+  id        String   @id @default(cuid())
+  userId    String
+  reason    XPReason
+  amount    Int
+  context   Json?
+  awardedAt DateTime @default(now())
+
+  user User @relation(fields: [userId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+
+  @@index([userId])
+  @@index([awardedAt])
+  @@map("xp_events")
+}
+
+model DailyStreak {
+  id        String   @id @default(cuid())
+  userId    String
+  date      DateTime @db.Date
+  activities Int
+
+  user User @relation(fields: [userId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+
+  @@unique([userId, date])
+  @@index([userId])
+  @@map("daily_streaks")
+}
+
+// ─── AI Coach ────────────────────────────────────────────────────────────────
+
+model AILog {
+  id               String   @id @default(cuid())
+  tenantId         String
+  userId           String
+  sessionId        String?
+  message          String
+  responsePreview  String?
+  tokensUsed       Int
+  modelUsed        String
+  contextInjected  Json?
+  createdAt        DateTime @default(now())
+
+  tenant Tenant @relation(fields: [tenantId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+  user   User   @relation(fields: [userId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+
+  @@index([tenantId])
+  @@index([userId])
+  @@index([createdAt])
+  @@index([tenantId, createdAt])
+  @@map("ai_logs")
+}
+
+// ─── Analytics ───────────────────────────────────────────────────────────────
+
+model AnalyticsEvent {
+  id        String             @id @default(cuid())
+  userId    String
+  eventType AnalyticsEventType
+  metadata  Json
+  sessionId String?
+  createdAt DateTime           @default(now())
+
+  user User @relation(fields: [userId], references: [id], onDelete: Cascade, onUpdate: Cascade)
+
+  @@index([userId])
+  @@index([eventType])
+  @@index([createdAt])
+  @@index([eventType, createdAt])
+  @@map("analytics_events")
+}

apps/api/prisma/seed.ts

@@ -0,0 +1,833 @@
+import { PrismaClient } from "@prisma/client";
+import * as bcrypt from "bcryptjs";
+
+const prisma = new PrismaClient();
+
+// ─── Helpers ─────────────────────────────────────────────────────────────────
+
+function cuid(seed: string): string {
+  // Deterministic CUID-like string for idempotent seeding
+  return seed.padStart(25, "c");
+}
+
+function mockCmsId(prefix: string, index: number): string {
+  return `${prefix}_${String(index).padStart(4, "0")}`;
+}
+
+async function ensureTenant(
+  slug: string,
+  data: Parameters<typeof prisma.tenant.create>[0]["data"],
+) {
+  const existing = await prisma.tenant.findUnique({ where: { slug } });
+  if (existing) {
+    console.log(`  ℹ Tenant "${slug}" already exists, skipping`);
+    return existing;
+  }
+  return prisma.tenant.create({ data });
+}
+
+async function ensureUser(
+  email: string,
+  data: Parameters<typeof prisma.user.create>[0]["data"],
+) {
+  const existing = await prisma.user.findUnique({ where: { email } });
+  if (existing) {
+    console.log(`  ℹ User "${email}" already exists, skipping`);
+    return existing;
+  }
+  return prisma.user.create({ data });
+}
+
+async function ensureModule(
+  cmsId: string,
+  data: Parameters<typeof prisma.module.create>[0]["data"],
+) {
+  const existing = await prisma.module.findFirst({ where: { cmsId } });
+  if (existing) {
+    return existing;
+  }
+  return prisma.module.create({ data });
+}
+
+async function ensureLesson(
+  cmsId: string,
+  data: Parameters<typeof prisma.lesson.create>[0]["data"],
+) {
+  const existing = await prisma.lesson.findFirst({ where: { cmsId } });
+  if (existing) {
+    return existing;
+  }
+  return prisma.lesson.create({ data });
+}
+
+async function ensureBadge(
+  key: string,
+  data: Parameters<typeof prisma.badge.create>[0]["data"],
+) {
+  const existing = await prisma.badge.findUnique({ where: { key } });
+  if (existing) {
+    console.log(`  ℹ Badge "${key}" already exists, skipping`);
+    return existing;
+  }
+  return prisma.badge.create({ data });
+}
+
+// ─── Data Definitions ────────────────────────────────────────────────────────
+
+const CURRICULUM_DATA: Array<{
+  track: string;
+  modules: Array<{
+    title: string;
+    description: string;
+    order: number;
+    estimatedHours: number;
+    lessons: Array<{
+      title: string;
+      description: string;
+      order: number;
+      estimatedMins: number;
+    }>;
+  }>;
+}> = [
+  {
+    track: "SURVIVAL_BASICS",
+    modules: [
+      {
+        title: "Budgeting 101",
+        description: "Learn how to create and maintain a personal budget",
+        order: 1,
+        estimatedHours: 1.5,
+        lessons: [
+          {
+            title: "What is a Budget?",
+            description: "Understanding the fundamentals of budgeting",
+            order: 1,
+            estimatedMins: 10,
+          },
+          {
+            title: "Tracking Your Expenses",
+            description: "How to monitor where your money goes",
+            order: 2,
+            estimatedMins: 15,
+          },
+          {
+            title: "The 50/30/20 Rule",
+            description: "A simple framework for allocating your income",
+            order: 3,
+            estimatedMins: 12,
+          },
+        ],
+      },
+      {
+        title: "Emergency Fund",
+        description: "Build your financial safety net",
+        order: 2,
+        estimatedHours: 1.0,
+        lessons: [
+          {
+            title: "Why You Need an Emergency Fund",
+            description: "The importance of having cash reserves",
+            order: 1,
+            estimatedMins: 8,
+          },
+          {
+            title: "How Much to Save",
+            description: "Calculating your target emergency fund amount",
+            order: 2,
+            estimatedMins: 10,
+          },
+          {
+            title: "Where to Keep Your Fund",
+            description: "High-yield savings accounts and other options",
+            order: 3,
+            estimatedMins: 7,
+          },
+        ],
+      },
+    ],
+  },
+  {
+    track: "CREDIT_DEBT",
+    modules: [
+      {
+        title: "Understanding Credit Scores",
+        description: "Demystifying credit reporting and scoring",
+        order: 1,
+        estimatedHours: 1.5,
+        lessons: [
+          {
+            title: "What Is a Credit Score?",
+            description: "The basics of credit scoring models",
+            order: 1,
+            estimatedMins: 10,
+          },
+          {
+            title: "Factors That Affect Your Score",
+            description: "Payment history, utilization, and more",
+            order: 2,
+            estimatedMins: 15,
+          },
+          {
+            title: "How to Improve Your Credit",
+            description: "Actionable steps to build better credit",
+            order: 3,
+            estimatedMins: 12,
+          },
+        ],
+      },
+      {
+        title: "Debt Repayment Strategies",
+        description: "Methods to eliminate debt efficiently",
+        order: 2,
+        estimatedHours: 1.0,
+        lessons: [
+          {
+            title: "Snowball vs Avalanche",
+            description: "Comparing two popular debt payoff methods",
+            order: 1,
+            estimatedMins: 10,
+          },
+          {
+            title: "Debt Consolidation",
+            description: "When and how to consolidate your debts",
+            order: 2,
+            estimatedMins: 8,
+          },
+          {
+            title: "Avoiding Debt Traps",
+            description: "Predatory lending and high-interest pitfalls",
+            order: 3,
+            estimatedMins: 10,
+          },
+        ],
+      },
+    ],
+  },
+  {
+    track: "WEALTH_BUILDER",
+    modules: [
+      {
+        title: "Investing Basics",
+        description: "Getting started with investing",
+        order: 1,
+        estimatedHours: 2.0,
+        lessons: [
+          {
+            title: "Stocks, Bonds & ETFs",
+            description: "Understanding different asset classes",
+            order: 1,
+            estimatedMins: 15,
+          },
+          {
+            title: "Risk & Return",
+            description: "The fundamental trade-off in investing",
+            order: 2,
+            estimatedMins: 12,
+          },
+          {
+            title: "Dollar-Cost Averaging",
+            description: "A disciplined approach to investing regularly",
+            order: 3,
+            estimatedMins: 10,
+          },
+        ],
+      },
+      {
+        title: "Compound Interest",
+        description: "The eighth wonder of the world",
+        order: 2,
+        estimatedHours: 1.0,
+        lessons: [
+          {
+            title: "How Compounding Works",
+            description: "The math behind exponential growth",
+            order: 1,
+            estimatedMins: 10,
+          },
+          {
+            title: "Time Is Your Superpower",
+            description: "Why starting early matters more than timing",
+            order: 2,
+            estimatedMins: 8,
+          },
+          {
+            title: "The Rule of 72",
+            description: "A quick way to estimate doubling time",
+            order: 3,
+            estimatedMins: 6,
+          },
+        ],
+      },
+    ],
+  },
+  {
+    track: "ANTI_HYPE",
+    modules: [
+      {
+        title: "Critical Thinking in Finance",
+        description: "Developing a skeptic's mindset",
+        order: 1,
+        estimatedHours: 1.5,
+        lessons: [
+          {
+            title: "Identifying Hype Cycles",
+            description: "Recognizing when euphoria drives markets",
+            order: 1,
+            estimatedMins: 12,
+          },
+          {
+            title: "Social Media & Investing",
+            description: "How online echo chambers affect decisions",
+            order: 2,
+            estimatedMins: 10,
+          },
+          {
+            title: "Due Diligence 101",
+            description: "Researching before you invest",
+            order: 3,
+            estimatedMins: 15,
+          },
+        ],
+      },
+      {
+        title: "Recognizing Bubbles",
+        description: "Historical and modern market bubbles",
+        order: 2,
+        estimatedHours: 1.5,
+        lessons: [
+          {
+            title: "Tulip Mania to Dot-Com",
+            description: "Classic bubble case studies",
+            order: 1,
+            estimatedMins: 15,
+          },
+          {
+            title: "Crypto Mania",
+            description: "Evaluating digital asset hype",
+            order: 2,
+            estimatedMins: 12,
+          },
+          {
+            title: "Bubble Indicators",
+            description: "Signs that a market is overheating",
+            order: 3,
+            estimatedMins: 10,
+          },
+        ],
+      },
+    ],
+  },
+  {
+    track: "MACROECONOMICS",
+    modules: [
+      {
+        title: "Supply and Demand",
+        description: "The foundation of economic thinking",
+        order: 1,
+        estimatedHours: 1.5,
+        lessons: [
+          {
+            title: "Market Equilibrium",
+            description: "How prices are determined",
+            order: 1,
+            estimatedMins: 12,
+          },
+          {
+            title: "Elasticity",
+            description: "How quantity responds to price changes",
+            order: 2,
+            estimatedMins: 10,
+          },
+          {
+            title: "Market Failures",
+            description: "Externalities, public goods, and inefficiencies",
+            order: 3,
+            estimatedMins: 14,
+          },
+        ],
+      },
+      {
+        title: "Monetary Policy",
+        description: "How central banks shape the economy",
+        order: 2,
+        estimatedHours: 1.5,
+        lessons: [
+          {
+            title: "Interest Rates & Inflation",
+            description: "The tools central banks use",
+            order: 1,
+            estimatedMins: 12,
+          },
+          {
+            title: "Quantitative Easing",
+            description: "Unconventional monetary policy explained",
+            order: 2,
+            estimatedMins: 10,
+          },
+          {
+            title: "Global Economic Indicators",
+            description: "GDP, unemployment, and CPI",
+            order: 3,
+            estimatedMins: 15,
+          },
+        ],
+      },
+    ],
+  },
+];
+
+const BADGE_DATA: Array<{
+  key: string;
+  name: string;
+  description: string;
+  icon: string;
+  category: string;
+  criteria: Record<string, unknown>;
+  xpReward: number;
+}> = [
+  {
+    key: "first-trade",
+    name: "First Trade",
+    description: "Execute your very first trade in any simulation",
+    icon: "trophy",
+    category: "MILESTONE",
+    criteria: { type: "trade_count", threshold: 1 },
+    xpReward: 25,
+  },
+  {
+    key: "diversifier",
+    name: "Diversifier",
+    description: "Hold 5 or more different assets in a single portfolio",
+    icon: "pie-chart",
+    category: "SKILL",
+    criteria: { type: "asset_diversity", threshold: 5 },
+    xpReward: 75,
+  },
+  {
+    key: "crash-survivor",
+    name: "Crash Survivor",
+    description: "Survive a market crash simulation without going bankrupt",
+    icon: "shield",
+    category: "CHALLENGE",
+    criteria: { type: "simulation_survive", simulationType: "MARKET_CRASH" },
+    xpReward: 100,
+  },
+  {
+    key: "debt-destroyer",
+    name: "Debt Destroyer",
+    description: "Successfully complete the debt repayment simulation",
+    icon: "broken-chain",
+    category: "CHALLENGE",
+    criteria: { type: "simulation_complete", simulationType: "DEBT_REPAYMENT" },
+    xpReward: 100,
+  },
+  {
+    key: "the-skeptic",
+    name: "The Skeptic",
+    description: "Correctly identify and avoid 3 hype traps",
+    icon: "magnifying-glass",
+    category: "SKILL",
+    criteria: { type: "hype_avoided", threshold: 3 },
+    xpReward: 150,
+  },
+  {
+    key: "streak-master",
+    name: "Streak Master",
+    description: "Maintain a 30-day login streak",
+    icon: "fire",
+    category: "STREAK",
+    criteria: { type: "streak_days", threshold: 30 },
+    xpReward: 200,
+  },
+  {
+    key: "portfolio-millionaire",
+    name: "Portfolio Millionaire",
+    description: "Reach a portfolio value of $1,000,000",
+    icon: "diamond",
+    category: "MILESTONE",
+    criteria: { type: "portfolio_value", threshold: 1_000_000 },
+    xpReward: 500,
+  },
+  {
+    key: "quick-learner",
+    name: "Quick Learner",
+    description: "Complete 10 lessons in a single day",
+    icon: "rocket",
+    category: "CHALLENGE",
+    criteria: { type: "lessons_in_day", threshold: 10 },
+    xpReward: 100,
+  },
+  {
+    key: "teacher-pet",
+    name: "Teacher's Pet",
+    description: "Score 100% on 5 different quizzes",
+    icon: "apple",
+    category: "MILESTONE",
+    criteria: { type: "perfect_quizzes", threshold: 5 },
+    xpReward: 150,
+  },
+  {
+    key: "risk-avoider",
+    name: "Risk Avoider",
+    description: "Heed 5 risk warnings instead of ignoring them",
+    icon: "umbrella",
+    category: "SKILL",
+    criteria: { type: "risk_warnings_heeded", threshold: 5 },
+    xpReward: 75,
+  },
+  {
+    key: "simulation-champion",
+    name: "Simulation Champion",
+    description: "Win or top the leaderboard in 3 different simulations",
+    icon: "crown",
+    category: "CHALLENGE",
+    criteria: { type: "simulation_wins", threshold: 3 },
+    xpReward: 250,
+  },
+  {
+    key: "hype-avoider",
+    name: "Hype Avoider",
+    description: "Resist the urge to buy into a trending hype asset",
+    icon: "eye",
+    category: "SPECIAL",
+    criteria: { type: "hype_trap_resisted", threshold: 1 },
+    xpReward: 50,
+  },
+];
+
+// ─── Main Seeding Logic ──────────────────────────────────────────────────────
+
+async function main() {
+  console.log("🌱 Seeding InvestPlay database...\n");
+
+  // ── 1. Tenants ──────────────────────────────────────────────────────────
+
+  console.log("📋 Creating tenants...");
+  const platformTenant = await ensureTenant("investplay", {
+    id: cuid("tenant-platform"),
+    name: "InvestPlay",
+    slug: "investplay",
+    domain: "app.investplay.dev",
+    domains: ["app.investplay.dev"],
+    branding: {
+      logoUrl: "https://investplay.dev/logo.png",
+      primaryColor: "#6366f1",
+      accentColor: "#06b6d4",
+    },
+    featureFlags: {
+      aiCoach: true,
+      simulations: true,
+      classrooms: true,
+      newsFeed: true,
+    },
+    aiMode: "MANAGED",
+    aiMonthlyTokenBudget: 10_000_000,
+    defaultLocale: "en",
+    subscriptionStatus: "ACTIVE",
+    maxStudents: 1000,
+  });
+  console.log(`  ✅ Platform tenant: ${platformTenant.slug}`);
+
+  const demoTenant = await ensureTenant("demo-university", {
+    id: cuid("tenant-demo"),
+    name: "Demo University",
+    slug: "demo-university",
+    domain: "demo.university.edu",
+    domains: ["demo.university.edu", "student.demo.edu"],
+    branding: {
+      logoUrl: "https://demo.university.edu/logo.png",
+      primaryColor: "#059669",
+      accentColor: "#f59e0b",
+    },
+    featureFlags: {
+      aiCoach: true,
+      simulations: true,
+      classrooms: true,
+      newsFeed: false,
+    },
+    aiMode: "MANAGED",
+    aiMonthlyTokenBudget: 5_000_000,
+    defaultLocale: "en",
+    subscriptionStatus: "ACTIVE",
+    maxStudents: 200,
+  });
+  console.log(`  ✅ Demo tenant: ${demoTenant.slug}\n`);
+
+  // ── 2. Users ────────────────────────────────────────────────────────────
+
+  console.log("👤 Creating users...");
+  const passwordHash = await bcrypt.hash("Admin123!", 10);
+
+  const adminUser = await ensureUser("admin@investplay.dev", {
+    id: cuid("user-admin"),
+    email: "admin@investplay.dev",
+    passwordHash,
+    firstName: "Platform",
+    lastName: "Admin",
+    role: "PLATFORM_ADMIN",
+    locale: "en",
+    tenantId: platformTenant.id,
+    xp: 9999,
+    level: 50,
+    streakDays: 100,
+    emailVerifiedAt: new Date(),
+  });
+  console.log(`  ✅ Platform admin: ${adminUser.email}`);
+
+  const teacherUser = await ensureUser("teacher@demouni.edu", {
+    id: cuid("user-teacher"),
+    email: "teacher@demouni.edu",
+    passwordHash,
+    firstName: "Jane",
+    lastName: "Educator",
+    role: "TEACHER",
+    locale: "en",
+    tenantId: demoTenant.id,
+    xp: 2500,
+    level: 15,
+    streakDays: 30,
+    emailVerifiedAt: new Date(),
+  });
+  console.log(`  ✅ Demo teacher: ${teacherUser.email}`);
+
+  const studentUser = await ensureUser("student@demo.edu", {
+    id: cuid("user-student"),
+    email: "student@demo.edu",
+    passwordHash,
+    firstName: "Alex",
+    lastName: "Learner",
+    role: "STUDENT",
+    locale: "en",
+    tenantId: demoTenant.id,
+    xp: 450,
+    level: 5,
+    streakDays: 7,
+    emailVerifiedAt: new Date(),
+  });
+  console.log(`  ✅ Demo student: ${studentUser.email}\n`);
+
+  // ── 3. Curriculum ───────────────────────────────────────────────────────
+
+  console.log("📚 Creating curriculum...");
+
+  let lessonIdCounter = 0;
+  const createdLessons: Array<{ cmsId: string; lessonId: string; track: string }> = [];
+
+  for (const trackData of CURRICULUM_DATA) {
+    let moduleIndex = 0;
+    for (const moduleData of trackData.modules) {
+      moduleIndex++;
+      const moduleCmsId = mockCmsId(
+        trackData.track.substring(0, 3),
+        moduleIndex,
+      );
+
+      const module = await ensureModule(moduleCmsId, {
+        id: cuid(`module-${trackData.track}-${moduleIndex}`),
+        cmsId: moduleCmsId,
+        track: trackData.track as any,
+        title: moduleData.title,
+        description: moduleData.description,
+        order: moduleData.order,
+        estimatedHours: moduleData.estimatedHours,
+        xpReward: 100,
+        tenantId: null,
+        isActive: true,
+      });
+
+      let lessonIndex = 0;
+      for (const lessonData of moduleData.lessons) {
+        lessonIndex++;
+        lessonIdCounter++;
+        const lessonCmsId = mockCmsId(
+          `${trackData.track.substring(0, 3)}${moduleIndex}L`,
+          lessonIndex,
+        );
+
+        // Determine gating: first lesson of each module has no prerequisite
+        // Subsequent lessons require the previous lesson in the module
+        const requiredLessonCmsId =
+          lessonIndex > 1
+            ? mockCmsId(
+                `${trackData.track.substring(0, 3)}${moduleIndex}L`,
+                lessonIndex - 1,
+              )
+            : null;
+
+        const requiredLesson =
+          requiredLessonCmsId !== null
+            ? createdLessons.find(
+                (l) => l.cmsId === requiredLessonCmsId && l.track === trackData.track,
+              )
+            : null;
+
+        const lesson = await ensureLesson(lessonCmsId, {
+          id: cuid(`lesson-${trackData.track}-${moduleIndex}-${lessonIndex}`),
+          cmsId: lessonCmsId,
+          moduleId: module.id,
+          title: lessonData.title,
+          description: lessonData.description,
+          order: lessonData.order,
+          estimatedMins: lessonData.estimatedMins,
+          xpReward: 25,
+          requiredLessonId: requiredLesson?.lessonId ?? null,
+          blocks: {
+            type: "doc",
+            content: [
+              {
+                type: "heading",
+                attrs: { level: 1 },
+                content: [{ type: "text", text: lessonData.title }],
+              },
+              {
+                type: "paragraph",
+                content: [
+                  {
+                    type: "text",
+                    text: lessonData.description,
+                  },
+                ],
+              },
+            ],
+          },
+          isActive: true,
+        });
+
+        createdLessons.push({
+          cmsId: lessonCmsId,
+          lessonId: lesson.id,
+          track: trackData.track,
+        });
+      }
+    }
+  }
+  console.log(`  ✅ Created ${createdLessons.length} lessons across 10 modules\n`);
+
+  // ── 4. Badges ───────────────────────────────────────────────────────────
+
+  console.log("🏅 Creating badges...");
+  for (const badgeData of BADGE_DATA) {
+    await ensureBadge(badgeData.key, {
+      id: cuid(`badge-${badgeData.key}`),
+      key: badgeData.key,
+      name: badgeData.name,
+      description: badgeData.description,
+      icon: badgeData.icon,
+      category: badgeData.category as any,
+      criteria: badgeData.criteria,
+      xpReward: badgeData.xpReward,
+    });
+  }
+  console.log(`  ✅ Created ${BADGE_DATA.length} badges\n`);
+
+  // ── 5. Classroom ────────────────────────────────────────────────────────
+
+  console.log("🏫 Creating demo classroom...");
+  const classroomId = cuid("classroom-demo");
+  const existingClassroom = await prisma.classroom.findFirst({
+    where: { inviteCode: "DEMO123" },
+  });
+
+  let classroom;
+  if (existingClassroom) {
+    classroom = existingClassroom;
+    console.log(`  ℹ Classroom "Demo 101" already exists, skipping`);
+  } else {
+    classroom = await prisma.classroom.create({
+      data: {
+        id: classroomId,
+        name: "Demo 101 – Personal Finance",
+        description:
+          "Introduction to personal finance for first-year students. This classroom covers budgeting, credit, and investing fundamentals.",
+        tenantId: demoTenant.id,
+        teacherId: teacherUser.id,
+        inviteCode: "DEMO123",
+        isActive: true,
+      },
+    });
+    console.log(`  ✅ Created classroom: ${classroom.name}`);
+
+    // Enroll the student
+    const existingEnrollment = await prisma.classroomStudent.findUnique({
+      where: {
+        classroomId_userId: {
+          classroomId: classroom.id,
+          userId: studentUser.id,
+        },
+      },
+    });
+
+    if (!existingEnrollment) {
+      await prisma.classroomStudent.create({
+        data: {
+          id: cuid("enrollment-demo"),
+          classroomId: classroom.id,
+          userId: studentUser.id,
+        },
+      });
+      console.log(`  ✅ Enrolled ${studentUser.email} in ${classroom.name}`);
+    } else {
+      console.log(`  ℹ ${studentUser.email} already enrolled, skipping`);
+    }
+  }
+
+  // ── 6. Assign first-module lesson progress for the demo student ────────
+
+  const firstLesson = createdLessons.find((l) => l.track === "SURVIVAL_BASICS");
+  if (firstLesson) {
+    const existingProgress = await prisma.userProgress.findUnique({
+      where: {
+        userId_lessonId: {
+          userId: studentUser.id,
+          lessonId: firstLesson.lessonId,
+        },
+      },
+    });
+
+    if (!existingProgress) {
+      await prisma.userProgress.create({
+        data: {
+          id: cuid("progress-demo-1"),
+          userId: studentUser.id,
+          lessonId: firstLesson.lessonId,
+          status: "COMPLETED",
+          quizScore: 90,
+          quizAttempts: 1,
+          timeSpentSeconds: 420,
+          completedAt: new Date(),
+        },
+      });
+
+      // Also grant XP for the completed lesson
+      await prisma.xPEvent.create({
+        data: {
+          id: cuid("xpevent-demo-1"),
+          userId: studentUser.id,
+          reason: "LESSON_COMPLETED",
+          amount: 25,
+          context: { lessonId: firstLesson.lessonId },
+        },
+      });
+      console.log(`  ✅ Demo student progress created for first lesson\n`);
+    } else {
+      console.log(`  ℹ Demo student progress exists, skipping\n`);
+    }
+  }
+
+  console.log("────────────────────────────────────────────");
+  console.log("✅ Seeding complete!");
+  console.log("────────────────────────────────────────────");
+  console.log("  Admin:   admin@investplay.dev / Admin123!");
+  console.log("  Teacher: teacher@demouni.edu / Admin123!");
+  console.log("  Student: student@demo.edu   / Admin123!");
+  console.log("────────────────────────────────────────────");
+}
+
+main()
+  .catch((e) => {
+    console.error("❌ Seeding failed:", e);
+    process.exit(1);
+  })
+  .finally(async () => {
+    await prisma.$disconnect();
+  });