卖什么
Dollar banking for people in Latin America
商业模式拆解
买家：谁掌握预算？
Individual consumers and freelancers in Latin America (Colombia focus).
触发点：什么让他们现在购买？
Receiving payments from abroad and protecting savings from local currency uncertainty; PayPal, Wise, Deel, Payoneer payouts.
工作流：什么输入变成什么输出？
User opens the app, gets US ACH and European IBAN details, receives foreign payments in USDC/EURC, tops up via PSE/Nequi/Bancolombia, spends with the Littio Mastercard, earns rewards in Pockets/Vaults, and transfers to local banks or blockchain wallets.
经济账：省了什么，怎么收费？
未核实Card has $0 annual fee and $0 FX purchase fees; rewards of 4% to 9.8% E.A. on stablecoins; revenue likely from interchange, transfers/FX spread and premium Littio Pro (not stated).
渠道：怎么接触到客户？
Self-serve mobile app ("Abre tu cuenta").
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2023 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.