卖什么
Salary advance to employees in Brazil.
商业模式拆解
买家：谁掌握预算？
The end consumer borrower.
触发点：什么让他们现在购买？
Unexpected expenses that push people into overdraft, revolving card debt or loans with hidden fees.
工作流：什么输入变成什么输出？
Register and credit analysis (income read from bank account), choose amount and rate, receive funds in up to 2 minutes, repay in one installment on chosen date; earlier payment lowers cost.
经济账：省了什么，怎么收费？
Interest income on loans issued by QI Tech SCD; Facio Pagamentos LTDA acts as correspondent; rates and CET vary by product and customer profile.
渠道：怎么接触到客户？
Self-serve web and iOS/Android apps, referral program, WhatsApp support.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2020 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.