卖什么
Mobile money app for Africa
商业模式拆解
买家：谁掌握预算？
未核实Business owners and finance/payments managers at companies in Senegal/West Africa paying staff or collecting from customers (Wave Business).
触发点：什么让他们现在购买？
未核实Need to pay employees and suppliers, collect cash from outlets and accept payments where most people lack bank accounts.
工作流：什么输入变成什么输出？
Users deposit and withdraw cash at Wave agents, send money by phone number and pay bills in the app; businesses use bulk payments, in-person merchant payments, cash collections via agents and a checkout API.
经济账：省了什么，怎么收费？
Consumers deposit/withdraw/bill pay free and pay 1% to send; businesses pay 1% on bulk payments and 1% on merchant payments after the first 20k CFA per day.
渠道：怎么接触到客户？
Consumer mobile app plus a physical agent network; sales-led for Wave Business ("Contact sales").
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2012 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.