卖什么
新型银行（跨境支付）。
商业模式拆解
买家：谁掌握预算？
未核实Individual freelancers and employees paid internationally (personal app); finance owners of importers, exporters, agencies and e-commerce firms (Cloud9 Business)
触发点：什么让他们现在购买？
Getting paid by international clients and converting/spending across KES, USD, EUR, GBP and stablecoins without slow traditional bank transfers.
工作流：什么输入变成什么输出？
Open virtual KES/USD/EUR/GBP/CNY accounts, receive client payments or USDT, convert FX, pay out via mobile money, bank, SWIFT/RTGS, spend with virtual/physical VISA cards.
经济账：省了什么，怎么收费？
未核实Neobank revenue from FX, transfers and card spend (up to 2% cashback offered to users), plus lending/BNPL and wealth products (credit "coming soon").
渠道：怎么接触到客户？
Self-serve app download (iOS/Android) and online business-banking signup.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2026-10-09 | 种子前 | $500K | Alliance | news.google.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.