Life Hub

About the offering

Electus Global Education Co. (doing business under the Life Hub® brand) is a Tampa-based AI-first edtech/fintech startup targeting children ages 6–18. Its flagship product, Life Hub® Infiniti AI, is described as a patented 360° 'whole-child educational lifestyle platform' that integrates five pillars—Education, Money, Career, Play, and Family—into a single super-app. The platform's core mechanic is a 'learn-and-earn' model: kids complete bite-sized micro-learning tasks called 'Edu-Jobs' covering topics such as AI literacy, financial management, entrepreneurship, health, and career readiness, and earn real cash rewards paid directly onto co-branded Life Hub® Visa® Cards issued in partnership with Pathward Bank and FIS Global/Dash Solutions. A contextual physical-to-digital feature called Life Vision AI allows kids to photograph real-world objects and receive instant, relevant Edu-Jobs generated by the platform's Infiniti AI engine (patent pending). The company holds three granted U.S. patents, three international patents (Canada, UK, Spain), three granted trademarks, and two AI/ML patents pending. Since pilot initiatives began in 2022–2023, the company reports 3,000+ users across 50+ school and youth-organization partners, 100,000+ Edu-Jobs completed, 55,000 hours of platform engagement, and $125,000 paid out to kids on Visa cards. Revenue has been generated from day one via a B2B2C model (bulk institutional subscriptions). A new B2C direct-to-consumer channel is being launched in 2026 at $35/month per child or $189/month for a family plan; government Education Savings Account (ESA) pricing is set at $178/month per child or $1,175/month per family. Additional planned revenue streams include premium content, interchange fees, corporate/CRA partnerships, and platform white-labeling for banks, credit unions, and insurers. The company is licensed with five state Departments of Education (Arizona, Arkansas, Indiana, Utah, New Hampshire) to receive ESA funding. Notable partnerships include Visa (licensed to host Visa's Practical Money and Business Skills® content exclusively on the platform), Google AI Startups ($350,000 in in-kind funding), the American Heart Association Social Impact Fund (venture debt, late 2024), Old National Bank, United Federal Credit Union, Boys & Girls Clubs, YMCA, and Big Brother Big Sister. Electus was selected as one of 13 startups for the Plug & Play Visa Inclusive Fintech Accelerator in Silicon Valley (2025). Total funding to date is reported at $3.7 million, including $2 million from founders/partners. The founding and leadership team of 34 part/full-time staff and advisors includes backgrounds spanning entrepreneurship, fintech security (FIS Global, Worldpay, Coca-Cola), ethical AI, UN advisory work, and K-12 education. The Regulation CF offering on Netcapital has a minimum investment of $99 at $0.06 per share (early bird price through October 16, 2026), rising to $0.09 per share thereafter, with a maximum raise of $1,235,000 and a deadline of November 20, 2026. Proceeds are allocated primarily to sales and marketing (46.6%), general operations (30.3%), technology and AI enhancements (18.2%), and intermediary fees (4.9%). Financial statements have been audited by an independent CPA.

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