卖什么
Group Financing for small businesses across Africa.
商业模式拆解
买家：谁掌握预算？
未核实Individuals and communities in Nigeria (CBN-licensed, +234 phone) saving via ajo/esusu circles.
触发点：什么让他们现在购买？
Need capital without debt traps; rotating savings groups lack vetting and payout guarantees.
工作流：什么输入变成什么输出？
Join a Circle, contribute monthly, one member receives the full pot each month; members are vetted by behavioral data, credit scores and income tiers; Rank steps in if someone defaults.
经济账：省了什么，怎么收费？
未核实Fee/margin from circle participation, savings and managed investment products (investments with dedicated wealth manager); no interest to members on circles.
渠道：怎么接触到客户？
Mobile app download, campus ambassadors, referral program, community activation.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2022 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.