卖什么
B2B-2C real-time account to account payments
商业模式拆解
买家：谁掌握预算？
Banks, fintechs, wallets, lenders and gambling operators in Colombia/LatAm (heads of payments/product/engineering).
触发点：什么让他们现在购买？
Need instant account-to-account transfers, payroll dispersion or wallet cash-in/out as alternative to slow rails (Transfiya, PSE) without risky clearing schemes.
工作流：什么输入变成什么输出？
Bank connects directly to core banking, or fintech plugs in APIs/SDKs, to run real-time cross-border remittances, bulk disbursement and recurring direct debit, wallet cash in/out with end-to-end traceability.
经济账：省了什么，怎么收费？
未核实Infrastructure fees on transactions (inferred); claims 10K+ TPS, 99.99% uptime, funds available in under 1 minute, launch in weeks not months.
渠道：怎么接触到客户？
Demo-led enterprise sales (Solicitar demo); two integration paths: direct connection for banks, plug-and-play API/SDK for fintechs.
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.