卖什么
Digital bank account for employees (payroll) that returns 100% of interest and fees as cashback.
商业模式拆解
买家：谁掌握预算？
HR department at the employer (site CTA: 'RH, fale com o nosso time').
触发点：什么让他们现在购买？
HR wants digital payroll and onboarding with less manual work, errors and mailed cards, and to improve employee financial wellbeing and retention.
工作流：什么输入变成什么输出？
Digitise payroll into a free digital account for company and employee, with cashback on credit costs.
经济账：省了什么，怎么收费？
Account is free for the company and the employee; Kesh earns on fair credit offered to employees and banking activity and returns 100% of interest and fees as cashback; reduced bank fees and free payroll transmission pitched to employers.
渠道：怎么接触到客户？
Demo-led to HR ('Solicite uma demonstracao') plus employee app.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2026-08-04 | — | R$550M | — | 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.