卖什么
Stablecoin neobank for emerging markets
商业模式拆解
买家：谁掌握预算？
Owners of e-commerce resellers, agencies and importers in emerging markets (examples: Karachi, Pakistan, Bangladesh, Nigeria, China, UAE).
触发点：什么让他们现在购买？
Hard to get a working US business bank account; need to receive USD/EUR/GBP and pay suppliers in China/Vietnam, plus ad spend.
工作流：什么输入变成什么输出？
Open US business account (businesses in 50+ countries), receive via ACH/wire/SWIFT/SEPA/stablecoin, hold multi-currency balances, pay out to 80+ countries, issue cards for Google/Meta ads.
经济账：省了什么，怎么收费？
Fintech revenue from FX spreads and transfers; states no fees on USD card spend and competitive FX rates.
渠道：怎么接触到客户？
Waitlist for business banking.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2025 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.