卖什么
A mobile app. It allows employees to get paid their salary on-demand.
商业模式拆解
买家：谁掌握预算？
未核实HR / people leaders at employers who offer Payflow as a benefit.
触发点：什么让他们现在购买？
Absenteeism and turnover; site claims clients see 8% lower absenteeism and 21% lower turnover.
工作流：什么输入变成什么输出？
Employee opens the app, draws part of earned salary at any time in the month (e.g. 300 euro of 500 euro accrued); the advance is deducted from the end-of-month payroll; also a card for flexible benefits and a financial education platform.
经济账：省了什么，怎么收费？
未核实Free to employees; employer-side fees not stated (likely employer subscription or fees on flexible-benefit card).
渠道：怎么接触到客户？
Demo-led ('Book a meeting'), active in Spain, Portugal, Colombia and Peru; claims 1,000+ companies.
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.