卖什么
Affirm for LATAM
商业模式拆解
买家：谁掌握预算？
未核实Product or fintech/finance leaders at marketplaces and delivery or commerce platforms.
触发点：什么让他们现在购买？
Want to monetize users and centralize payments without building fintech tech or handling regulation; go live in days or weeks.
工作流：什么输入变成什么输出？
White-label modules: Wallet (CVU accounts, prepaid cards, reconciliation), Payments (payment links, checkout, interoperable QR, SmartPOS, debit installments), Lending (loans and receivable advances with Wibond handling scoring, capital, risk, collections).
经济账：省了什么，怎么收费？
未核实Fintech infrastructure that earns on payments, wallet float and lending spreads; Wibond provides capital and risk for lending. Fees are published in a "Costos, Comisiones y Cargos" page.
渠道：怎么接触到客户？
B2B demo-led ("Solicita una demo"), integrations into partner platforms.
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.