卖什么
Salary-linked fintech app offering salary advance (Instacash), personal loans, fixed deposits and UPI credit cards for salaried employees in India.
商业模式拆解
买家：谁掌握预算？
Salaried employees buy directly; employers (100+ Indian enterprises, 1.5M employees) buy SmartPerks and benefits for staff.
触发点：什么让他们现在购买？
未核实Cash gaps before payday and employee financial stress; employers want benefits employees actually use.
工作流：什么输入变成什么输出？
Employee installs the app, draws up to 80% of salary instantly (Instacash), pays by UPI for rewards, and can take personal loans or FDs in the same app.
经济账：省了什么，怎么收费？
未核实Earns on loan interest/processing fees and card and partner-bank commissions; offers up to 8.15% p.a. on FDs.
渠道：怎么接触到客户？
Mobile app plus employer partnerships and partner banks/NBFCs (RBL Bank, HDFC, LTFS).
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2025-10-30 | — | $11.3M | — | 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.