卖什么
Brazilian digital account and prepaid Mastercard with Pix, savings (cofrinho), allowance (mesada) and Pix credit, aimed at a young generation.
商业模式拆解
买家：谁掌握预算？
未核实Young Brazilians themselves (own account, Pix, prepaid card) and parents funding allowance (mesada) for minors; site says accounts are for all ages.
触发点：什么让他们现在购买？
未核实Young people without a traditional bank account wanting Pix, a personalised Mastercard and a savings pot (cofrinho) in an app, plus referral incentive ("Convidou, ganhou").
工作流：什么输入变成什么输出？
Open account in minutes, send/receive Pix (also via WhatsApp), pay with prepaid card, save in cofrinho, parents manage mesada.
经济账：省了什么，怎么收费？
未核实Payment-institution revenue model (card interchange, credit, partner offers); infrastructure partner QI Tech and BTG linked in footer.
渠道：怎么接触到客户？
Self-serve mobile app (Android/iOS) with referral program ('Convidou, ganhou') and social channels.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2026-09-23 | — | $15M | — | 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.