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Educational Lifecycle Simulator

The 24-Stage Irrevocable Trust Lifecycle

Every stage of opening, funding, operating, and eventually terminating an irrevocable trust — with one explanation written for a law professor, and one written for a toddler. Earn points and milestone testnet XLM as you go. Nothing here forms a real trust; templates must be taken to a licensed attorney.

Stages completed
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Your points
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of 1600 total
Milestone XLM (testnet)
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Simulated payouts at major milestones
This week's global pot
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testnet XLM • 0 pot points contributed
Stage 1
Articulate Settlor Intent & Trust Purpose
Decide why the trust exists before deciding how it's built.
+50 pts
10 to pot

Stage 2
Select Trust Situs & Governing Law
Pick the state whose trust law governs the instrument.
+50 pts
10 to pot

Stage 3
Choose Trust Type & Tax Posture
Grantor vs. non-grantor; simple vs. complex; CRT, CLAT, GRAT, SLAT, DAPT, ILIT, dynasty.
+75 pts
15 to pot

Stage 4
Map Settlor, Trustees, Beneficiaries, Powerholders
Identify every person whose role bears on the trust, and the powers each holds.
+50 pts
10 to pot

Stage 5
Inventory & Value Fundable Assets
Catalog every asset the trust may receive, with cost basis and current FMV.
+50 pts
10 to pot

Stage 6
Model Estate, Gift, GST & Income Tax Outcomes
Run the numbers before you draft a single clause.
+75 pts
15 to pot

How rewards work

Individual points: awarded immediately on stage completion (1600 total available across all 24 stages).

Group pot: a portion of every completion (320 pot points across the lifecycle) flows into a global weekly pot. Top finishers split the testnet XLM at week's end.

Milestone XLM (testnet, simulated): Formation Complete (25 XLM), First Annual Cycle (50 XLM), Lifecycle Complete (250 XLM). All payouts are sandboxed testnet entries — no mainnet value moves.