卖什么
Leading wealth management and investing platform in Vietnam
商业模式拆解
买家：谁掌握预算？
Individual retail savers in Vietnam (office workers, small business owners, investors) who fund the account themselves.
触发点：什么让他们现在购买？
Emergency-fund and idle cash sits in payment accounts earning about 0.1%/year or in term deposits that lose interest when withdrawn early.
工作流：什么输入变成什么输出？
Download the app, verify identity and sign e-contract, transfer money in 24/7, earn daily returns (5.0%/year shown), withdraw any time (minimum 50,000 VND) without losing earned interest.
经济账：省了什么，怎么收费？
未核实No account-opening or management fee to the user; Infina entrusts funds to licensed fund managers (ACB Capital, PVI Asset Management) investing in deposits and money-market style funds, and earns partner revenue (referral/distribution) from products like Finavi brokerage and PVI insurance (inferred).
渠道：怎么接触到客户？
Consumer mobile app plus embedded white-label distribution through partners TPBank, ZaloPay and AppotaPay; content and community marketing.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2021 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.