Capital Academy — Investor Pitch Deck | AI-Native Finance Education Infrastructure

Finance by seasoned pros, amplified by AI. Built before the seed round.

Ready for commercialization.

License No. CL9551, Dubai

CPD-accredited programmes

Co-issued with AUD

Seed Round June 2026

Listen to the intro

Capital Academy Tech Ltd. michel@capitalacademy.ai

03 — By the Numbers

✦ Key numbers

Capital Academy by the numbers.

A licensed, accredited and fully built platform — the hard asset base is already in place.

100+

Courses

4,000+

Lessons

400+

Video learning hours

60K+

Assessment questions

1,000+

Podcast / audio episodes

100+

Course trailers

50+

AI Expert Instructor Agents

77+

Contributors & specialists

10+

Countries involved

125K+

Build hours*

Licensed in the DIFC, Dubai

Capital Academy Tech Ltd. — Licence No. CL9551

CPD-accredited programmes

Courses carry Continuing Professional Development hours

Co-issued with AUD

Certifications accredited by the American University in Dubai

Investor meaningThe seed round is not funding product construction. It funds commercialization, distribution, institutional sales and market expansion. *Build hours are management-estimated, not audited timesheets.

04 — The Company

✦ The one-line company

Capital Academy turns finance education into AI-native learning infrastructure.

One scalable platform combining professional finance content, certification pathways, CAPA AI, owned fictional AI instructor agents, assessment infrastructure, and institutional delivery tools.

Platform Layer

What it delivers

✦ Finance Content

100+ courses and 4,000+ structured lessons

✦ Certification Pathways

CPFM, CAFA, AIAT

✦ CAPA AI

Text, voice and avatar interaction, retrieval and memory

✦ AI Instructor Network

50+ owned fictional AI Expert Instructor Agents

✦ Institutional Delivery

B2B, B2G, dashboards, and future white-label potential

Speaker noteWe are not building another course marketplace. Capital Academy is building the infrastructure layer for finance learning, certification, AI-supported tutoring, and institutional upskilling.

05 — Why Now

✦ The big shift

Finance skills, AI learning, and workforce upskilling are converging.

The way people learn finance is changing. Learners expect instant support, institutions need measurable outcomes, and AI is becoming the new interface for education.

Four shifts creating the opportunity

Finance is a life skill

Saving, investing, risk and financial decisions now matter far beyond finance professionals.

AI is the new interface

Learners expect personalization, instant explanations, adaptive practice and conversational tutoring.

Institutions need scale

Universities, employers, brokers and governments need finance education that is measurable and scalable.

Vertical AI is possible

Private, content-grounded AI can support specialized education while protecting proprietary content and data.

Speaker noteFive years ago, this would have been a course library. Today, it can become an AI-native infrastructure company for finance education.

06 — Problem

✦ Problem

Finance education is everywhere, but structured mastery is still hard to access.

Learners and institutions face the same core problem: content is fragmented, static, generic, and difficult to measure.

Audience

Current pain

Individuals

Fragmented videos, influencers, generic courses, no clear path to mastery

Professionals

Need finance, AI and investment skills but lack adaptive support

Institutions

Need scalable training, tracking, privacy and credentialing

Governments

Need financial literacy and workforce upskilling at scale

THE GAP

The market does not need more disconnected content.

It needs trusted, structured, adaptive, measurable finance education.

Speaker noteThe problem is not lack of content. The problem is lack of structured, trusted, adaptive, measurable finance education.

07 — Solution

✦ Solution

One platform for learning, AI support, certification and institutional delivery.

Learners study, practice, ask, revise, certify and keep developing finance skills through one integrated platform.

Core Learning

Courses, lessons, video, ebooks, podcasts and quizzes.

CAPA AI

Text, voice and avatar-based learning support.

Certifications

CPFM, CAFA and AIAT professional pathways.

Future Leaders

Youth finance and business education.

Institutional

B2B dashboards, B2G programs, future white-label.

Learning formats

Video

Book

Interactive Podcast

Flashcards

Summary

Quiz

08 — Product Experience

✦ Product experience

Designed around how learners actually build skills.

Learners don't only watch content. They understand, practice, test themselves, ask questions, revise, and prove capability.

1Choose a certification or learning path

2Learn via video, ebook, podcast, flashcards & summaries

3Ask CAPA AI for explanations and guidance

4Practice through quizzes and assessments

5Track progress and skill development

6Earn certification and continue learning

Why it matters

From passive content to an interactive, measurable, AI-supported journey.

Capital Academy is a learning system that moves users from information to real skill development.

Speaker noteThe product is not only a content library. It is a learning system that moves users from information to skill development.

09 — CAPA AI

✦ CAPA AI — the moat

CAPA is not a chatbot. It's the private AI learning layer.

CAPA connects Capital Academy's proprietary finance content to real-time learning support across text, voice and avatar interaction.

Course-grounded retrieval

Answers linked to Capital Academy content

Qdrant vector database

Semantic retrieval, not keyword search

Redis memory & caching

Faster responses, continuity, lower cost

LoRA adapters

Finance-domain & agent-style adaptation

Voice & avatar interface

Premium interactive learning experience

Capital Academy owns its content, adapters, agent assets, orchestration, retrieval, memory and learner data. Open-weight model use remains subject to its license.

Speaker NoteCAPA is the interface between our content, our learners, our assessments, and our future institutional analytics layer.

Elizabeth Carter

Online

Jun 21, 2026

Hey! I'm Elizabeth Carter's AI. What would you like to explore today?

Explain VaR vs. expected shortfall with a quick example.

VaR caps loss at a confidence level; expected shortfall averages the losses beyond it — so it captures the tail risk VaR ignores. Want the worked example from Lesson 4.2 — Risk Measures?

Enter your message

This feature is still being tested. Content generated using AI may be inaccurate.

10 — AI Instructor Network

✦ Owned AI instructor network

50+ owned fictional AI instructors. No talent dependency. No likeness risk.

Capital Academy has created 50+ proprietary fictional AI Expert Instructor Agents. Each with its own domain scope, visual identity, voice profile and teaching behavior.

Agent asset

Investor meaning

50+ fictional agents

Scalable owned IP

Synthetic voice profiles

No real-instructor voice rights

Original visual identities

No likeness dependency

Domain-specific behavior

Finance-specialized support

Text, voice, avatar delivery

Premium learner experience

Important clarificationThese are not real-person clones. They are fictional, proprietary AI instructors created and owned by Capital Academy.

11 — AI Instructor Network

✦ Meet the experts

Premium hero agents a few of the owned faculty.

Each is delivered by a consistent, owned AI instructor persona, available 24/7, at zero marginal cost.

12 — Certifications

✦ Certifications

Executive certifications, built by practitioners, verifiable and market-trusted.

Three professional pathways, co-issued with industry partners and verifiable on-chain — turning learning into a credential the market trusts.

Chartered Portfolio & Fund Manager

CPFM

For portfolio managers and investment analysts, structured core classes plus unlimited interactive exercises.

AI-Powered Financial Analysis

CAFA

For financial and equity researchers integrating AI into their analysis workflow.

AI & Algo Trading

AIAT

For quantitative analysts and algorithmic traders building systematic strategies.

Co-issued with industry partners Blockchain-verified completion AI-assisted, adaptive exercises Practitioner-built curriculum

13 — Market Opportunity

✦ Market opportunity

A large market with a focused entry point.

Sitting at the intersection of online learning, corporate upskilling, AI in education, financial literacy and finance-specific learning platforms.

Market layer

Size

Relevance to Capital Academy

Global e-learning services

$842.6 B by '30

Broad digital learning & scalable online education infrastructure

Global corporate e-learning

$335.0B by '30

B2B upskilling across employers, institutions, brokers & universities

Global digital education

$133.7B by '30

Structured online, self-paced & professional digital learning

Global AI in education

$32.3B by '30

CAPA AI, instructor agents, personalization, voice & analytics

Global financial literacy education

$11.6B by '32

Future Leaders, personal finance, saving, investing & budgeting

Global financial education platforms

$7.1 → 34.8B

The closest finance-specific platform benchmark

Market disciplineCapital Academy does not need to dominate the market.The Y5 base-case revenue target of $8.76M represents a small capture within a large and expanding finance education opportunity.

14 — TAM / SAM / SOM

✦ TAM / SAM / SOM

A global ceiling. A focused serviceable market. A disciplined five-year capture.

TAM — Global ceiling

Online education, corporate e-learning, AI in education, financial literacy & finance platforms

SAM — Serviceable market

English & Arabic finance learners, professionals, universities, brokers, corporates & public-sector across the GCC

SOM — Y5 base case

$8.76M by Year 5

TAM

A structurally large market where digital education, AI learning and financial literacy are all expanding.

SAM

Narrower than global education, but still large enough to support venture-scale growth.

SOM

No market domination required, disciplined execution across B2C, B2B, B2G, certification and AI learning tools.

15 — Competitive Position

✦ Competitive position

Capital Academy combines what competitors usually separate.

Most competitors own one layer: content, certification, tutoring, AI or delivery. We combine them into one finance-specialized platform.

Diversified revenue across B2C, B2B and B2G.

Channel

Y1

Y5

B2C

$806K

$5.82M

B2B

$605K

$2.09M

B2G

$12K

$838K

Total revenue

$1.42M

$8.76M

NoteB2C gives scale. B2B gives credibility and institutional revenue. B2G creates strategic upside.” A separate Saudi curriculum opportunity is treated as upside validation, not core to the base pitch.

Revenue products

Live Experts Add-on

Low-price recurring AI expert access

Single Course

Low-friction entry point

Bundles

Higher-value entry point

Future Leaders

Youth finance & business education (13 to 18 years old)

Pro Subscription

Main annual subscription

Certified Subscription

Premium certification-led plan

B2B / B2G

Institutional scale and credibility

17 — Go-to-Market & Model

✦ Go-to-market & financial model

The seed funds 18 months of commercialization proof.

0–3 months

Launch paid B2C acquisition, certification funnels & Future Leaders campaigns

3–6 months

Track CAC, conversion, activation, AI usage, completion & churn

6–12 months

Close first B2B university, broker, corporate & workshop accounts

12–18 months

Build repeat institutional pipeline & convert demand into recurring accounts

Series A setup

Data room with cohort metrics, ARR indicators, B2B pipeline & retention

Metric

Y1

Y3

Y5

Revenue

$1.42M

$3.79M

$8.76M

Gross margin

82.0%

83.7%

84.6%

EBITDA

($34K)

$1.16M

$4.81M

EBITDA margin

-2.4%

30.6%

55.0%

Net profit after tax

($209K)

$856K

$4.14M

Model logicHigh gross margin comes from reusable content, digital delivery, AI-supported assistance and controlled operating-cost scaling. “The round produces measurable commercialization proof before a future Series A.

18 — The Ask

✦ The ask

Raising $1.942M to commercialize an already-built platform.

Round terms

Value

Seed raise

$1.942M

Pre-money valuation

$15.40M

Post-money valuation

$17.34M

Equity offered

11.20%

Y1 closing cash after seed

$1.00M

Valuation, allocation and financial figures per management model — for discussion with prospective investors.

Use of funds

Marketing & Ads$540K

Salaries & HR$701K

Fixed costs$473K

CAPEX$228K

19 — Core Team

✦ Core team

Built by operators across finance, AI and production.

Michel Chabbouh

Co-Founder & Chief Executive Officer

Capital markets leadership, AI EdTech strategy, commercialization & regional growth

Dr. Mohammed Al-Fadhel

Co-Founder & Chief Academic Officer

GCC finance education, academic strategy, certifications & institutional partnerships

Joe Hawa

Senior Advisor, Financial Markets & Media

CNBC Arabia veteran, financial analyst and presenter

Market communication, investor education and regional influence

Dr. Wissam El Khoury

Senior Advisor, Finance & Academic Strategy

AUD Associate Dean, finance expert and executive educator

AI in finance, accreditation, governance and institutional partnerships

Ralph Nassoura

Head of Video Production

MBC and LBCI senior editor-director

Broadcast storytelling, post-production and AI video workflows

Khalid A. Khalil

Technology & AI Advisor

Enterprise Architect and AI Technology Strategist

Digital transformation, AI platforms, cloud architecture and product innovation

The platform is built. The seed funds commercialization.

Capital Academy Tech Ltd. DIFC License No. CL9551, Dubai michel@capitalacademy.ai