卖什么
Online business banking for small businesses: multiple checking accounts, debit/credit cards, bill pay, invoicing and accounting integrations.
商业模式拆解
买家：谁掌握预算？
Small business owners and operators with payroll and customers, often multi-entity or bookkeeper-managed.
触发点：什么让他们现在购买？
Cash flow friction and banks that charge monthly fees and offer a single account; the company cites 91% of owners saying cash flow gets in the way.
工作流：什么输入变成什么输出？
Consolidate deposits, split funds across up to 20 accounts, auto-transfer by amount/percent, pay bills by ACH/wire/check, categorize card spend and sync to bookkeeping.
经济账：省了什么，怎么收费？
未核实Subscription tiers plus interchange and transaction fees (wire/ACH) and deposit-spread via partner bank.
渠道：怎么接触到客户？
未核实Self-serve online account opening plus request-a-demo; accounting partners and customer referrals.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2026-05-19 | — | $50M | — | 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.