卖什么
Spade is the data and AI platform for modern finance.
商业模式拆解
买家：谁掌握预算？
未核实Risk, payments and product leaders at fintechs, banks and card processors (customers include PayPal, Bilt, Mercury, Coast; FIS as ecosystem partner).
触发点：什么让他们现在购买？
未核实Messy merchant descriptors cause poor authorization decisions, weak rewards matching and disputes that reach support.
工作流：什么输入变成什么输出？
Raw card/transaction strings are sent to Spade API, which returns enriched merchant and geolocation data in under 50 ms for authorization, rewards attribution, analytics and dispute deflection.
经济账：省了什么，怎么收费？
未核实Enterprise data/API service priced on transaction volume (inferred); claims 1B+ transactions enriched per month, 99.9% US/Canada merchant coverage, 95% of physical transactions geolocated.
渠道：怎么接触到客户？
Contact-sales enterprise deals plus ecosystem partners such as FIS.
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.