卖什么
数字化并为非洲非正规劳动力提供融资。
商业模式拆解
买家：谁掌握预算？
未核实HR and payroll teams approving the employer rollout.
触发点：什么让他们现在购买？
Employees need cash before payday (e.g. a KSh 3,500 hospital bill) and employers want lower turnover and less HR/payroll pressure; EWA offered at no cost to the employer.
工作流：什么输入变成什么输出？
Employer onboards staff in a dashboard, approves advances and reconciles on payday; employees withdraw earned wages by USSD (*789*5588#) to M-PESA.
经济账：省了什么，怎么收费？
No cost to employer; flat 5% fee charged to the employee per withdrawal (example KSh 5,000 gives KSh 4,750).
渠道：怎么接触到客户？
Employer-sales led (book a demo, 5-step rollout, live in 1-2 weeks) and employee referrals ('Refer my employer').
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2025-10-15 | — | $400K | — | 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.