卖什么
Smart micro financing for everyone
商业模式拆解
买家：谁掌握预算？
未核实The individual borrower (consumer) pays the loan back.
触发点：什么让他们现在购买？
Need for quick small cash ($500-$10,000 MXN) without bureau check, income proof or collateral.
工作流：什么输入变成什么输出？
Download the app, submit official ID and bank account details, get a decision in under 10 minutes, receive funds instantly, repay on a fixed date; on-time payment and referrals earn cash rewards.
经济账：省了什么，怎么收费？
Interest and fees on short-term consumer loans: max APR 300%, example $500 repays $874 + VAT over 90 days; regulated SOFOM.
渠道：怎么接触到客户？
Direct-to-consumer via iOS/Android app, referral program (Invita y Gana, $300-$800 MXN per referral), social content.
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.