卖什么
Indian full-stack bank offering savings account, fixed deposits, UPI, borrowing and a UPI credit card.
商业模式拆解
买家：谁掌握预算？
未核实Individual retail account holders and small business owners (current account for businesses); each customer is their own payer.
触发点：什么让他们现在购买？
Customers want a zero-balance savings account with daily interest linked to the RBI repo rate (5.50% p.a. shown vs about 2.75% at traditional banks) and a credit line usable through UPI.
工作流：什么输入变成什么输出？
Open a fully digital savings or zero-fee current account online (business current account in 10 minutes), earn daily interest, pay via UPI or UPI credit card, track spending by category, and borrow with slice borrow.
经济账：省了什么，怎么收费？
未核实Bank economics: interest spread on lending and credit card, interchange, fees; backed by Tiger Global, Insight Partners, Advent, Blume.
渠道：怎么接触到客户？
App-led plus India's first UPI-led bank branch.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2026-09-03 | — | $100M | — | 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.