卖什么
API-first banking for ambitious technology companies.
商业模式拆解
买家：谁掌握预算？
Engineering and product leaders at fintechs, vertical SaaS platforms and companies with large corporate balances (customers include Ramp, Tekion, Vantaca).
触发点：什么让他们现在购买？
未核实Need to build bill pay, payroll, wallets, embedded lending or fund administration with direct access to Fed rails (ACH, wires, RTP, FedNow) without legacy bank integration.
工作流：什么输入变成什么输出？
Call API to open accounts and cards, originate ACH, wires, checks, RTP and FedNow, receive deposits and reconcile.
经济账：省了什么，怎么收费？
Per-transaction fees plus custom monthly platform fees; interest/partner bank economics.
渠道：怎么接触到客户？
Developer self-serve signup with docs plus sales for custom pricing.
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.