卖什么
退休储蓄。
商业模式拆解
买家：谁掌握预算？
未核实Employer / HR leaders and founders choosing the company pension plan.
触发点：什么让他们现在购买？
Belgian group-insurance pension plans lose real value to fees; state pension replaces only ~61% of net salary (OECD figure quoted by Warren).
工作流：什么输入变成什么输出？
Employer replaces its group-insurance pension plan with Warren Pension Fund OFP (ETF investments); employees use an app and coaches; employer gets a free gap analysis first.
经济账：省了什么，怎么收费？
Fixed fee per member per month charged to the employer; no management fees on assets charged by Warren; returns go to members.
渠道：怎么接触到客户？
Free analysis / simulation lead magnet, sales to HR leaders, events (Financially Fearless Summit).
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2026-06-18 | — | €10M | — | 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.