卖什么
Debt as a service for companies to lend money to their users at scale.
商业模式拆解
买家：谁掌握预算？
Gig workers/merchants (Advance); platforms and fintech lenders (Embed, DaaS); DeFi investors.
触发点：什么让他们现在购买？
Earnings trapped for days or weeks in platform payouts, subscriptions or invoices.
工作流：什么输入变成什么输出？
Advance turns future platform payouts into cash today; Embed puts capital inside partner products; DaaS provides programmatic interest-only capital; tokenized receivables sold via DeFi and exchange.
经济账：省了什么，怎么收费？
未核实Earns fees/yield on advanced receivables; funds them with investors buying tokenized receivables (sivoUSD).
渠道：怎么接触到客户？
APIs and MCP integrations for platforms, plus direct sign-up, waitlist and meetings.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2021 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.