卖什么
让用户用信用卡支付房租和账单以赚取积分；正扩展到中小企业支付（工资、企业税、供应商付款）。
商业模式拆解
买家：谁掌握预算？
Individual Canadians paying recurring bills (rent, utilities, taxes, tuition, insurance, condo fees).
触发点：什么让他们现在购买？
Wanting cashback and travel points on bills that normally earn zero rewards.
工作流：什么输入变成什么输出？
Search payee, add a Canadian Visa/Mastercard/Amex, Chexy charges the card 4 business days before the due date and pays the bill via e-Transfer, Bill Pay or PAD; the card issuer deposits rewards.
经济账：省了什么，怎么收费？
Transaction fee on each bill payment: 1.75% on Canadian cards, 2.5% on international cards; referral tiers cut the fee to 1.5% (3+ referrals), 1.0% (5+) and 0.5% (10+).
渠道：怎么接触到客户？
Aeroplan partnership with Air Canada
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2026-03-25 | A 轮 | $14 million CAD | Khosla Ventures (lead), Crossbeam, Venrex, Air Canada | betakit.com |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-12.