卖什么
Challenger bank for enterprises
商业模式拆解
买家：谁掌握预算？
未核实CFO or finance/treasury teams at growing Brazilian companies.
触发点：什么让他们现在购买？
未核实Need for transparent cashflow, automated reconciliation, Pix/receivables and API-based payments and credit with higher limits.
工作流：什么输入变成什么输出？
Open a business account, issue cards, collect invoices/Pix and card payments with automatic reconciliation, pay bills and payroll, integrate through API and sandbox.
经济账：省了什么，怎么收费？
Transactional fees per operation (invoices, transfers, card acquiring 3.5%), plus credit and FX spread; volume-based and committed-use discounts.
渠道：怎么接触到客户？
Self-serve signup plus contact sales; API-first developer docs; cases and e-books; sites in English, Portuguese and Chinese.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2020 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.