卖什么
Superintelligent financial advisor
商业模式拆解
买家：谁掌握预算？
The individual high-net-worth client (application asks total net worth, investments tracked, whether they use an advisor).
触发点：什么让他们现在购买？
Complex wealth events: single-stock concentration before IPO, tax deadlines, wire verification, 401(k) rollovers and tax-loss harvesting opportunities.
工作流：什么输入变成什么输出？
Secure financial vault monitors assets, builds a model of the user, family and goals, surfaces items needing attention and proactively drafts next steps (rebalance with loss harvesting, email accountant, review wire).
经济账：省了什么，怎么收费？
未核实Likely asset-based advisory fee or subscription replacing a human advisor (inferred); not published.
渠道：怎么接触到客户？
Invitation-only: users submit an application to request an invitation.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2025 秋季 | — | 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.