卖什么
Accounting, Payments & Credit app for 60M micro-businesses in…
商业模式拆解
买家：谁掌握预算？
未核实Micro-business owners (warung owners, agents) who download the app themselves.
触发点：什么让他们现在购买？
Need to record sales and debts digitally, accept QRIS payments, sell digital products for extra income, or get working-capital loans up to Rp50 million without collateral.
工作流：什么输入变成什么输出？
Record bookkeeping, stock and receivables in the app; bill and receive payments (QRIS, bank/e-wallet); sell pulsa, data, electricity tokens, BPJS and other PPOB products; apply for credit.
经济账：省了什么，怎么收费？
未核实Free bookkeeping app monetised through payment and PPOB margins, EDC/mini-ATM agent services and lending (BukuModal).
渠道：怎么接触到客户？
Free app download (app store link is the input URL), plus agent community and partnership programme.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2020 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.