What it sells
Accounting, Payments & Credit app for 60M micro-businesses in…
Business model breakdown
Buyer: who owns the budget?
UnverifiedMicro-business owners (warung owners, agents) who download the app themselves.
Trigger: what makes them buy now?
Need to record sales and debts digitally, accept QRIS payments, sell digital products for extra income, or get working-capital loans up to Rp50 million without collateral.
Workflow: what inputs become what output?
Record bookkeeping, stock and receivables in the app; bill and receive payments (QRIS, bank/e-wallet); sell pulsa, data, electricity tokens, BPJS and other PPOB products; apply for credit.
Economics: what it saves and how it charges
UnverifiedFree bookkeeping app monetised through payment and PPOB margins, EDC/mini-ATM agent services and lending (BukuModal).
Distribution: how it reaches customers
Free app download (app store link is the input URL), plus agent community and partnership programme.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Summer 2020 | — | Y Combinator | ycombinator.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.