卖什么
We're Khatabook / OkCredit for Pakistan
商业模式拆解
买家：谁掌握预算？
Pakistani shopkeepers and small business owners (kiryana, medical, mobile, distributors).
触发点：什么让他们现在购买？
未核实Need to track credit (udhaar), cash, stock and staff on paper and collect payments digitally.
工作流：什么输入变成什么输出？
Record credit and cash entries, send free reminders and invoices, run payroll and stock, request IBFT/wallet payments via links, and sell mobile load, bill payments and vouchers for commission.
经济账：省了什么，怎么收费？
Free app; revenue from commissions: up to 2.2% on easyload, up to 4% on vouchers, up to Rs. 12 per bill (the commissions are earned by the merchant); platform take implied.
渠道：怎么接触到客户？
Self-serve mobile app download and web app; claims 5.1 million businesses.
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.