卖什么
Secured consumer lending in India
商业模式拆解
买家：谁掌握预算？
Indian individuals holding mutual funds (loan amounts INR 25,000 to 5 crore).
触发点：什么让他们现在购买？
Need liquidity without redeeming mutual funds.
工作流：什么输入变成什么输出？
Digitally fetch holdings, pledge eligible units, draw funds as needed and pay only interest; LTV up to 50% equity and 90% debt funds.
经济账：省了什么，怎么收费？
未核实Distribution/fee share on loans from partner lender (Bajaj Finance); also distribution partner commissions.
渠道：怎么接触到客户？
App and web; partner program for mutual fund distributors with extra and trail commissions.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2024 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.