卖什么
一个预付产品统一API，让银行、金融科技公司和HR平台接入1000多个品牌，用于返现、员工福利和电子礼品卡。
商业模式拆解
买家：谁掌握预算？
Product/partnerships teams at banks, fintechs, payment apps, HR/payroll platforms, retailers and crypto platforms.
触发点：什么让他们现在购买？
Fragmented prepaid/gift-card market: dozens of providers, new contracts and settlements per supplier, legacy tech integrations.
工作流：什么输入变成什么输出？
Partner integrates finperks API (claims under 30 days to market); gets 1000+ brands in 30+ countries under one contract; finperks handles compliance, infrastructure and supplier settlement; partner white-labels to end users.
经济账：省了什么，怎么收费？
未核实Likely margin/commission on prepaid product transactions as aggregator; not stated.
渠道：怎么接触到客户？
Direct B2B: Book a Demo / contact form, industry landing pages, case studies (Flizpay, Finanzguru).
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2026-03-11 | 种子前 | €3.4M | Motive Partners and seed+speed Ventures (leads) | eu-startups.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.