卖什么
The global financial platform for affluent consumers in the Americas.
商业模式拆解
买家：谁掌握预算？
Individuals (travelers, investors, professionals) in Latin America for the personal app; startups and SMBs operating across borders for ARQ Business.
触发点：什么让他们现在购买？
Wanting to hold and move money in digital dollars/euros at real market rates instead of paying bank FX spreads and remittance fees.
工作流：什么输入变成什么输出？
Open an account, convert local currency to USDc/EURc, receive and send payments with US/Europe account details, spend via ARQ card with cashback, invest in earnings accounts, stocks and ETFs; business adds treasury, bulk payments and corporate cards.
经济账：省了什么，怎么收费？
未核实Earns on currency conversion (claims real market rates, no hidden fees), card interchange, and investment products; exact fee schedule not on page.
渠道：怎么接触到客户？
Self-serve app download and sign-up, country sites for Mexico, Argentina, Colombia, Brazil; business "Get started".
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2021 夏季 | — | Y Combinator | ycombinator.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.