卖什么
Enabling banks have a fintech-style loan origination process
商业模式拆解
买家：谁掌握预算？
未核实Digital/retail banking and credit product heads at banks, retailers and lenders.
触发点：什么让他们现在购买？
Slow in-branch or paper card/loan origination (e.g. Favacard 11-day process, DPortenis 45 min per application) and low conversion.
工作流：什么输入变成什么输出？
White-label digital onboarding for people and businesses: applicant profiling, KYC/KYB, biometrics (FaceTec), fraud checks, online credit scoring, e-signature of contracts, plus engagement/benefits portal and AgenticOps back-office agents.
经济账：省了什么，怎么收费？
White-label software platform sold to financial institutions; claims +48% conversion (Favacard), +40% monthly credits and 45 to 3 min per application (DPortenis).
渠道：怎么接触到客户？
Demo-led enterprise sales ("Agendar Demo"), partnership with Mastercard.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2022 冬季 | — | 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.