卖什么
Gullak automates savings & invests these in gold
商业模式拆解
买家：谁掌握预算？
未核实Individual retail savers in India (B2C).
触发点：什么让他们现在购买？
Wanting to build small regular savings and gold exposure without manual effort, with rewards for staying committed.
工作流：什么输入变成什么输出？
User sets goals and automatic payments (UPI AutoPay SIP) or round-ups on spends, app buys 24k 999 digital gold, user can withdraw as cash to UPI or as a delivered gold coin.
经济账：省了什么，怎么收费？
未核实Likely earns spread/fees on digital gold purchases and coin delivery; no explicit revenue model stated.
渠道：怎么接触到客户？
Consumer Android/iOS app growth with referral rewards (up to Rs 2,000), festival campaigns and a Partner With Us page; claims 9L+ users.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2022 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.