卖什么
金融科技。
商业模式拆解
买家：谁掌握预算？
未核实Individual consumers applying for the card in the app or online.
触发点：什么让他们现在购买？
Limited-time promotion: no annual fee for applications before 13 October, plus up to MXN 200,000 credit line and next-day card delivery.
工作流：什么输入变成什么输出？
Apply online, receive card next day, make a purchase from MXN 10, defer chosen purchases in the app into 3 to 12 interest-free instalments, then repay monthly while tracking progress in the app.
经济账：省了什么，怎么收费？
未核实Likely earns interest and interchange on card balances, funding cashback (up to 15% in 4 chosen categories per month) and interest-free instalments; company cites a USD 5B valuation.
渠道：怎么接触到客户？
Online card application and mobile app; card delivered next day.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2026-04-16 | — | $405M | — | 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.