卖什么
Consumer credit-health app in India with AI agent for monitoring score, negotiating overdue settlements, bill payment cashback and in-app loans.
商业模式拆解
买家：谁掌握预算？
未核实Indian retail borrowers with low or damaged credit scores (examples 540-670) who use the app themselves; lenders are the paying side of loan offers.
触发点：什么让他们现在购买？
Overdue accounts and a credit score under about 750 that block loan approval; need to settle overdue dues with discounts.
工作流：什么输入变成什么输出？
Monitor score, clear overdue with discounts, pay through app for cashback, then unlock pre-approved loans.
经济账：省了什么，怎么收费？
未核实Free consumer app; likely earns referral/lead fees from lenders on loan offers (IDFC, L&T Finance, Rupeek etc. shown) and bill-pay flows; says overdue settlement has "no added cost to you".
渠道：怎么接触到客户？
Consumer app via Google Play and App Store; lender marketplace/network.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2025-10-13 | A 轮 | $13M | Peak XV (lead) | 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 2026-10-13.