Investor Package · Emboa GK · Fukuoka Startup Visa
GCTIGCTI → Emboa GK
GCTI is a revenue-generating, AI-native online college serving the Global South, now incorporating as Emboa GK in Fukuoka to scale across Asia-Pacific.
The Ask
$500,000
Investor Pool: 30% via GK-TK (Tokumei Kumiai) · SAFE / convertible note via GK-TK
Vehicle
Emboa GK
Godo Kaisha (Japanese LLC) · Fukuoka, Fukuoka Prefecture, Japan
Visa Path
Fukuoka
Fukuoka Startup Visa (Business Manager Visa fast-track)
Executive Summary
A revenue-generating AI college, anchoring in Japan.
Emboa GK (Japan) is the exclusive Japan territory licensee of E.M.B.O.A LLP (United States). GCTI operates 4 tracks, 5 courses per track, 72 lessons per course. Students pay $30 per lesson or $1,250 per course (42% discount). Teachers are AI — zero marginal cost. Operating expenses total $1,250 per month. Cross-border QR payment settlement is operational across 9 countries via KHQR, PromptPay, VietQR, DuitNow, and PayNow. JPQR via PayPay will be added for Japan — no middleman cost.
Degrees are blockchain-anchored at no cost. The Living Degree system keeps graduates current as technology changes. With $15,000/year in fixed OpEx and AI-delivered instruction, GCTI is profitable from Year 1 across all three financial scenarios.
Emboa GK anchors in Fukuoka to access the Startup Visa, Japan's APAC credibility, and a direct corridor to corporate upskilling (¥8,000/seat). Japan is the revenue anchor — 15–20% of revenue from less than 10% of students. Emboa World (AI/VR global pipeline) launches January 2027.
The Ask
$500,000 via SAFE / convertible note (GK-TK). Runway: 33+ years at $15K/year OpEx. Capital is for growth — scale pilots, expand countries.
18-month runway to Series A, anchored by Emboa GK incorporation in Fukuoka and the Fukuoka Startup Visa fast-track.
Market Opportunity
A $350B market with a broken trust layer.
TAM
$350B+
Global online education + upskilling market (2027)
SAM
$48B
Asia-Pacific digital skills / cross-border education
SOM
$1.2B
Global South + Japan-bound English-medium tech credentials (5-year reachable)
Youth bulge meets job scarcity
Cambodia, Vietnam, India, Indonesia, and the Philippines produce 25M+ underemployed graduates yearly who need globally-recognized tech skills but face language and cost barriers.
AI collapses delivery cost
AI-led instruction lets one professor serve thousands at near-zero marginal cost, breaking the economics of traditional online bootcamps that depend on human instructors.
Trust is the bottleneck
Employers don't trust online certificates. GCTI's QA Triad (attendance + content + competency) and blockchain verification solve the credibility gap that limits the whole sector.
Japan needs global tech talent
Fukuoka's startup ecosystem and Japan's IT shortage create inbound demand for GCTI graduates and outbound demand for Japanese learners seeking English-medium AI skills.
Business Model
Four revenue streams. One durable relationship.
Pay-as-you-go lessons
~50%$30/lesson · $2,160/course
Per-lesson access. Low barrier entry point for Global South students. 72 lessons per course.
Lump-sum course
~50%$1,250/course (42% off)
Full-course upfront. Higher-margin, preferred by sponsored and corporate students. Blended ARPU: $1,435/course.
Japan corporate seats
High-value$8,000/seat
Fukuoka B2B track for Japanese SMEs adopting AI. 10–50x higher revenue-per-student than individual learners.
Emboa World sponsorship
From Jan 2027TBD
Sponsorship and advertising revenue from local and global brands via the Emboa World AI/VR platform.
Defensible Moat
- QA Triad verification — the only AI college that cryptographically proves attendance, content delivered, and competency.
- Living Degree — a continuous-learning relationship that turns a one-time degree into recurring revenue and a moat against curriculum obsolescence.
- Cross-border QR bridge — students in 9 countries pay in their local QR app (KHQR, JPQR, PromptPay, VietQR, UPI, PIX); we settle in USD/KHR. No competitor has this payment reach.
- Language-agnostic delivery — lessons render in the student's language while instruction stays in English, letting us serve markets competitors can't reach.
Operational Framework
The Master SLA model — how GCTI scales through partners.
A turn-key licensing framework for downstream operators
GCTI scales through a three-tier partnership structure. Emboa GK owns the curriculum, verification infrastructure, and credentialing — partners own the territory, student acquisition, and local operations. The master SLA defines the commercial terms, compliance obligations, and revenue share for each tier, making it straightforward for qualified operators to launch a GCTI-powered college in their region.
Partnership Tiers
Emboa Member Firm
Full sub-licensing rights
Rights
- Exclusive territory grant (country or bloc)
- Right to issue downstream sub-licenses
- Full curriculum access across all 4 tracks
- Co-branded credentials under Emboa verification
- Revenue share: 70% partner / 30% Emboa
Obligations
- Minimum annual guarantee: $50,000
- Quarterly compliance audit
- Maintain QA Triad verification standards
- Dedicated account manager
Territory Licensee
Regional exclusivity, no sub-licensing
Rights
- Exclusive territory grant (single country)
- Direct enrollment and revenue collection
- Full curriculum access across all 4 tracks
- Emboa-verified credentials
- Revenue share: 80% partner / 20% Emboa
Obligations
- Minimum annual guarantee: $25,000
- Semi-annual compliance audit
- Maintain QA Triad verification standards
Approved Employer
Hire-API access only
Rights
- Hire-API search and profile access
- Submit hire requests to verified graduates
- No territory exclusivity
- No curriculum licensing
- Fee: $0 (placement revenue share on hire)
Obligations
- No minimum guarantee
- Report placements for revenue-share tracking
- Adhere to graduate contact guidelines
Revenue & Settlement Flow
Student pays
Partner collects tuition in local currency via regional QR rails
Partner remits
Partner remits Emboa's share monthly in USD or KHR settlement
Emboa verifies
Emboa issues blockchain-anchored credential and QA Triad audit
Revenue recognized
Revenue split recorded against the master SLA agreement number
Operational Responsibilities
Emboa GK (Licensor)
- Maintain curriculum across all 4 tracks, 20 courses, 1,440 lessons
- Operate QA Triad verification (attendance, content, competency)
- Issue and anchor blockchain credentials
- Provide Hire-API infrastructure for graduate placement
- Conduct compliance audits and publish audit reports
- Manage Living Degree refresher system for graduates
Partner (Licensee)
- Enroll students and collect tuition via local payment rails
- Provide local-language student support and onboarding
- Maintain minimum enrollment and revenue guarantees
- Uphold brand and credentialing standards in territory
- Report enrollment and revenue data monthly
- Fund local marketing and student acquisition
Compliance Framework
QA Triad Maintenance
All enrolled students must pass attendance, content, and competency checks per Emboa standards.
Credential Integrity
No partner may issue credentials independently — all certificates are Emboa-anchored and verifiable.
Revenue Transparency
Monthly remittance reports reconciled against enrollment data; discrepancies trigger audit.
Territory Discipline
Partners may not market or enroll outside their granted territory without written amendment.
Brand Standards
All marketing materials subject to Emboa brand guidelines and pre-approval for co-branded assets.
Annual Review
Every master SLA is reviewed annually; non-compliance triggers suspension or termination.
Partner Onboarding Pipeline
- 1
Application
Partner submits application via /partners/apply with company details and territory request.
- 2
Due Diligence
Emboa reviews financial capacity, territorial fit, and operational readiness (5–10 business days).
- 3
Term Sheet
Emboa issues a term sheet specifying tier, territory, revenue share, and minimum guarantee.
- 4
Master SLA Drafting
Legal teams finalize the master SLA agreement with compliance and termination clauses.
- 5
Execution & API Key
Agreement signed, API key issued, partner portal activated, curriculum access granted.
- 6
First Cohort
Partner enrolls first student cohort within 90 days; Emboa runs initial QA Triad audit.
Ready to operate a GCTI-powered college?
Qualified operators can apply for a master SLA and launch in their territory within 90 days of approval.
Traction
Built, shipped, and already collecting tuition across 9 countries.
AI/ML, Mobile, Web, Operations curricula shipped
Via cross-border QR settlement
Early-revenue, seed-stage
QA Triad-verified cohorts
Across enrolled students
Apostille, Qualification Check UK, IECC, 1EdTech
Japan Strategy
Why Fukuoka. Why now.
Why Fukuoka
- Fukuoka Startup Visa — Japan's fastest startup-immigration path, with a dedicated coordinator and 6-month processing vs. 6-12 months elsewhere.
- Lowest cost of living among Japan's major cities — a Fukuoka office is ~40% the cost of Tokyo, ideal for a seed-stage company.
- Asia's gateway — geographically and culturally closest to the Global South markets we already serve (Cambodia, Vietnam, Philippines).
- Government-backed startup ecosystem — Fukuoka City's Startup City initiative provides subsidies, mentoring, and introductions to corporate partners.
Visa fit — Emboa GK satisfies Fukuoka Startup Visa criteria: an innovative AI-education business, a co-founder relocating to Fukuoka, sufficient seed capital, and a model that contributes to Fukuoka's economy through local hiring, corporate partnerships, and inbound international student flow.
Phase 1
Months 0–6: Establish
- Incorporate Emboa GK, secure Fukuoka office, obtain Business Manager Visa for co-founder
- Onboard Japanese payment rails (JPQR), localize admissions for Japanese learners
- Hire 2: Japan country lead + curriculum engineer
Phase 2
Months 6–18: Prove Japan demand
- Launch first corporate upskilling pilot with 2 Fukuoka SMEs
- Reach 80 Japan-based paying students
- Establish Emboa GK as the APAC settlement hub for cross-border tuition
Phase 3
Months 18–36: Scale APAC
- Series A on Japan traction, expand to Vietnam & Indonesia corridors
- Partner with 1 Japanese university for credit-pathway recognition
- 50+ corporate seats, $2.4M ARR
Financial Projections — v3.2
All three scenarios profitable from Year 1. OpEx: $15,000/year.
1,460 students by Year 3 — $3.6M revenue
Steady Global South growth, Japan corporate pilot on schedule at Month 12. Base case reaches 1,460 active students generating $3.6M revenue with a 99% EBITDA margin. Profitable from Year 1.
Revenue & EBITDA by Year
- Tuition
- Japan Corp
- Sponsor
- EBITDA
Active Students (24 mo)
| Year | Students | Tuition | Japan Corp | Revenue | OpEx | EBITDA | Margin |
|---|---|---|---|---|---|---|---|
| Year 1 | 409 | $800K | $200K | $1.0M | $15K | $985K | 99% |
| Year 2 | 876 | $1.7M | $300K | $2.1M | $15K | $2.1M | 99% |
| Year 3 | 1,460 | $2.9M | $500K | $3.6M | $15K | $3.6M | 100% |
Best Case
$8.8M
Year 3 revenue
Base Case
$3.6M
Year 3 revenue
Conservative
$1.2M
Year 3 revenue
Geographic Scenarios
Year 3 student growth across BRICS, ASEAN & Japan — best, likely, and least.
Bottom-up from our existing 9-country QR payment reach. Each market carries three enrollment scenarios. Toggle a bloc to focus a region; toggle a scenario to re-rank the table and highlight that column.
Students by country
All three scenariosHorizontal bars let you compare best, likely, and least outcomes per market at a glance.
- Best
- Likely
- Least
Regional share
Most LikelyHow the selected scenario's students distribute across ASEAN, BRICS, and Japan.
- ASEAN
- BRICS
- Japan
1,340
total students (filtered)
ASEAN
900
Most Likely students
BRICS
330
Most Likely students
Japan (Anchor)
110
Most Likely students
Detailed breakdown
| Country | Bloc | Best | Likely | Least | Most Likely |
|---|---|---|---|---|---|
| 🇰🇭 Cambodia | ASEAN | 430 | 340 | 320 | 340 |
| 🇻🇳 Vietnam | ASEAN | 250 | 200 | 100 | 200 |
| 🇵🇭 Philippines | ASEAN | 200 | 180 | 90 | 180 |
| 🇮🇳 India | BRICS | 350 | 170 | 140 | 170 |
| 🇯🇵 Japan | Anchor | 160 | 110 | 45 | 110 |
| 🌍 Other BRICS | BRICS | 100 | 85 | 75 | 85 |
| 🇮🇩 Indonesia | ASEAN | 90 | 80 | 40 | 80 |
| 🇹🇭 Thailand | ASEAN | 80 | 60 | 30 | 60 |
| 🇧🇷 Brazil | BRICS | 70 | 50 | 25 | 50 |
| 🇲🇾 Malaysia | ASEAN | 55 | 40 | 20 | 40 |
| 🇿🇦 South Africa | BRICS | 35 | 25 | 15 | 25 |
| Total | 1,820 | 1,340 | 900 | 1,340 |
Showing 11 markets. Totals reconcile to the Year 3 active-student projection in the financial model.
Growth Calculator
Model your own student growth across each region.
Start from the Most Likely Year 3 base. Adjust the growth percentage per region to instantly see how projected student counts change.
Adjust growth rate
Projected Year 3 students
Base vs projected — by region
- Base
- Projected
Total projected
1,340
vs base
+0.0%
The Ask
$500K via GK-TK. 33+ year runway. Capital is for growth.
Use of funds
Emboa GK setup, Fukuoka office, legal, co-founder relocation
2 senior engineers, AI professor infra, platform scale
New tracks, Living Degree system, Japanese localization
Global South student acquisition, Japan B2B pipeline
Finance, legal, compliance, reserve
Milestones
- 1Incorporate Emboa GK at 1 JPY + secure Fukuoka Startup Visa (Month 3)
- 2Onboard JPQR via PayPay, launch paid Japan pilot (Month 6)
- 3Reach 400 cumulative paying students across corridors (Month 9)
- 4Launch first Japan corporate upskilling pilot — $8,000/seat (Month 12)
- 5Convert to KK, inject ¥30M from retained earnings · Emboa World Jan 2027
Team
The founders building GCTI and anchoring Emboa GK.
Partner 1
Co-Founder & Co-Representative Director
30+ years at Arthur Andersen (NY), Coopers & Lybrand (NY & Tokyo), KPMG (Tokyo). MIM — Middlebury Institute. Native Japanese speaker. Founder of E.M.B.O.A LLP and GCTI. Leads strategy, finance, licensing, legal, and regulatory. Relocating to Fukuoka. Ownership: 35%.
Partner 2
Co-Founder & Co-Representative Director / CTO
Tier-1 engineer based in Germany, relocating to Fukuoka. Architect of Emboa World (AI/VR). Well known in UNESCO accreditation circles. Owns platform architecture, Japan incorporation, and APAC strategy. Ownership: 35%.
Tokumei-Kumiai
Passive — GK-TK (Investor Pool)
30% passive investor pool via GK-TK silent partnership structure. Investors participate in economics without directorship. Converts to formal equity at KK stage (Year 2).
Private Placement Offering
Terms, use of proceeds, and risk disclosure.
Use of proceeds
See Use of Funds — Japan incorporation, engineering, curriculum, growth, operations.
Risk factors
- Early-stage with limited operating history; revenue is growing but not yet profitable.
- Dependent on continued AI cost reductions for unit economics to hold at scale.
- Japan visa approval is subject to immigration authorities and not guaranteed.
- Cross-border payments depend on third-party QR rails and settlement partners.
This document is a summary for discussion purposes only and does not constitute an offer to sell or a solicitation to buy securities. Any offering will be made only to accredited investors via definitive documentation. Past performance is not indicative of future results.