卖什么
开源核心银行系统。
商业模式拆解
买家：谁掌握预算？
未核实Banks, fintechs and payment institutions holding or newly receiving a license (CTO/COO level).
触发点：什么让他们现在购买？
Newly authorized institutions choosing a stack, or institutions unhappy with current BaaS/core provider wanting to run under their own license.
工作流：什么输入变成什么输出？
Core banking (accounts, balances, ledger, Pix/Boleto/TED), credit lifecycle, multi-source reconciliation and Bacen/Nuclea/Dataprev messaging; staged migration with both platforms coexisting.
经济账：省了什么，怎么收费？
Modular solutions adopted independently, SaaS operated by Lerian or BYOC, plus professional services (architecture, implementation, migration); open-source Midaz ledger at core per press.
渠道：怎么接触到客户？
Sales-led via Talk to Lerian, docs/sandbox for developers, professional services.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2026-01-26 | — | US$ 5,5 mi | — | 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.