卖什么
AI native TPA starting with workers comp
商业模式拆解
买家：谁掌握预算？
未核实Risk managers at self-insured employers; claims leaders at carriers and MGAs.
触发点：什么让他们现在购买？
The longer a claim stays open the more it costs; legacy TPAs assemble files by hand and post reserves late.
工作流：什么输入变成什么输出？
AI reads and organizes the claim file on day one, posts reserves within 72 hours, does bill review in house; licensed adjusters make every decision.
经济账：省了什么，怎么收费？
TPA service revenue with service guarantees (24h call returns, 72h reserves) written into contracts; no fee figures.
渠道：怎么接触到客户？
Founder-led: book a 15-minute call; can start with one program or state without migration.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2026 秋季 | — | 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.