卖什么
Credit for the emerging economy in Latam
商业模式拆解
买家：谁掌握预算？
Individual Peruvian borrowers with a DNI, for motorbike payments, phones, small business, school fees.
触发点：什么让他们现在购买？
Need for small instant loans without bank history; staircase loans start small to build credit record.
工作流：什么输入变成什么输出？
Register in 2 minutes with DNI, request loan in app, funds in minutes, repay; limit climbs from S/50 up to S/800 with on-time payments.
经济账：省了什么，怎么收费？
Interest and commission income on micro-loans; returns up to 50% of interest to punctual repeat borrowers; S/20 referral bonus; 1M+ loans claimed.
渠道：怎么接触到客户？
Mobile app (Google Play 4.8), referral program, social media; SBS-registered.
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.