鎮ㄧ殑浣嶇疆锛?a href="/">棣栭〉 >璐㈢粡 > 瑕侀椈 >

纭畾缁欐偍鐨勫叧閿憳宸ュ灏戣偂鏉?/h1>
2020-01-10 08:28:12 [鏉ユ簮]锛?

绠$悊鎮ㄧ殑澶╀娇鎶曡祫鑰咃紝鍚﹀垯浠栦滑灏嗙鐞嗘偍

Anu Shukla鎵惧埌浜嗗畬缇庣殑宸ョ▼鍓€昏锛屼互甯姪濂瑰缓绔嬭嚜宸辩殑鏂板叕鍙革紝鍗砇ewardsPay鍏徃銆傚埌閭f椂锛屽ス宸茬粡鍒涚珛鎴栧叡鍚屽垱绔嬩簡鍑犲鐢遍闄╂姇璧勬敮鎸佺殑鍒濆垱鍏徃(濂圭洰鍓嶅彧鏈?瀹?銆傚ス鐭ラ亾锛屾爣鍑嗘槸楂樼灞傚叧閿泧鍛樼害1.5%鑷?%鐨勮偂浠姐€?/p>

浣嗘槸鑸掑厠鎷?Shukla)鐭ラ亾鏈夋椂鍊欐偍闇€瑕佹斁寮冩洿澶氭墠鑳芥壘鍒板悎閫傜殑浜恒€傝垝鍏嬫媺鍦ㄨ皥鍒癛ewardsPay鏃惰锛?ldquo;褰撴椂锛屽叕鍙告病鏈夊灏戠幇閲戙€?rdquo;濂逛簬2010骞村垱绔嬩簡RewardsPay锛岃鍏徃鏃ㄥ湪甯姪娑堣垂鑰呭皢濂栧姳绉垎杞崲涓哄彲浠ュ湪鍏朵粬鍦版柟娑堣垂鐨勫晢鍝併€傚ス琛ュ厖璇达細“杩欐槸鎴戜滑瑕佽繘鍏ョ殑浜猴紝浠栦滑瑕佸缓绔嬫妧鏈苟寤虹珛鎴戜滑鐨勬妧鏈洟闃熴€?rdquo;浠栬繕鏄竴浣嶇粡楠屼赴瀵岀殑浜猴紝鍙互浠庝竴瀹惰緝鑰佺殑鍏徃閭i噷鑾峰緱鍙鐨勮柂姘淬€?/p>

鑸掑厠鎷夋渶缁堢粰浜嗕粬3%鐨勮偂浠姐€傝垝鍏嬫媺瑙i噴璇达紝浠栭渶瑕佷繚鎸侀暱鏈熺殑鍔ㄥ姏锛?ldquo;鑰屼笖鎴戜滑涔熺煡閬擄紝鍦ㄩ殢鍚庣殑鍑犺疆铻嶈祫涓紝浠栧皢琚█閲娿€?rdquo;

绉戞妧鐨勪富瑕佽揣甯佸缓绔嬪湪澶氱鍥犵礌鐨勫熀纭€涓?/p>

鑲$エ閫氬父浠ヨ偂绁ㄦ湡鏉冪殑褰㈠紡鍑虹幇锛屾槸绉戞妧鐣屽拰鍒涗笟鐣岀殑璐у竵銆傚湪灏嗘渶鍒濈殑鑲′唤鍒嗛厤鍑哄幓涔嬪悗锛屽垱濮嬩汉浣跨敤瀹冩潵鍚稿紩浜烘墠骞惰ˉ鍋块泧鍛樺姞鍏ュ垵鍒涘叕鍙告椂鍑犱箮涓嶅彲閬垮厤鍦拌杩涜鐨勫噺钖€傚綋鍏徃琚嚭鍞垨涓婂競鏃讹紝瀹冩湁鍔╀簬浣垮憳宸ュ璇变汉鐨勫ぇ钖按鍓嶆櫙鍏呮弧鍔ㄥ姏銆?/p>

浣嗘槸锛屽垱濮嬩汉搴旇涓洪浣嶈鑱樼敤鐨勫伐绋嬪笀鎻愪緵澶氬皯鑲℃潈锛屼互甯姪浠栦滑寮€鍙戜骇鍝佷互鍙婇殢鍚庣殑鏂板憳宸?涓€鏃﹀叕鍙告嫢鏈夎閿€鍞殑浜у搧锛岄偅浠や汉鍨傛稁鐨勯攢鍞壇鎬昏鍙堜細濡備綍鍛?涓€瀹跺勾杞荤殑鍒濆垱鍏徃甯屾湜浜夊彇鍏朵粬浜哄弬涓庡叾涓紝鍖呮嫭鍏抽敭椤鹃棶锛屼粬浠殑瑙佽瘑鍜屼汉鑴夊叧绯诲彲鑳戒細澧炲姞鍏舵垚鍔熺殑鏈轰細锛屾垨鑰呬篃璁告槸涓€浣嶅叿澶囬€傚綋涓撲笟鐭ヨ瘑鐨勫閮ㄨ懀浜嬪姞鍏ユ柊鐢熻懀浜嬩細?

閫傚綋鍒嗛厤鑲℃潈瀵瑰垵娆″垱寤鸿€呮潵璇存槸涓€涓寫鎴樸€傚憳宸ュ簲寰楃殑鑲′唤鍙栧喅浜庡绉嶅洜绱狅紝浠庢妧鑳藉埌骞磋祫浠ュ強鍛樺伐璇佷欢鍙风爜銆?/p>

“鎴戜滑姝e湪璋堣鐨勬槸5鍙峰憳宸ヨ繕鏄?5鍙峰憳宸?”杩炵幆浼佷笟瀹朵箶·璐濆凹绾虫墭闂亾锛屼粬鍒涘姙鎴栧叡鍚屽垱绔嬩簡鍥涘鍒濆垱鍏徃锛屽苟鍦ㄥ彟澶栧洓瀹跺叕鍙稿伐浣溿€?ldquo;杩欎釜浜鸿繃鏉ョ殑缁忓巻鏄粈涔?鎮ㄥ繀椤诲垎鍒煡鐪嬫瘡绉嶆儏鍐点€?rdquo;

1%鎴?05%?杩欏彇鍐充簬鑱屼綅鍜岃祫鍘?/p>

鐒惰€岋紝灏界澶嶆潅锛屼絾涓€浜涘湪绾挎寚鍗楁彁渚涗簡钖叕鍩哄噯锛屼互甯姪鍒涘浜鸿€冭檻鍦ㄦ嫑鑱樹汉鎵嶆椂鑰冭檻缁欎簣鐨勫叕鍙告瘡涓€閮ㄥ垎鐨勮妯°€備緥濡傦紝Index Ventures宸插嚭鐗堜簡涓€鏈墜鍐岋紝鏃ㄥ湪甯姪浼佷笟瀹朵粠绉嶅瓙灞傞潰鎵惧嚭鏈熸潈璧犳銆傝鎵嬪唽寤鸿锛屽湪鍏徃鎴愮珛鐨勬渶鍒濋樁娈碉紝鏈熸湜缁欓珮绾у伐绋嬪笀鐨勮柂閰珮杈惧叕鍙哥殑1%锛屼絾鏄粡楠屼赴瀵岀殑涓氬姟寮€鍙戝憳宸ラ€氬父浼氳幏寰?.35%鐨勫噺钖€備腑绾у伐绋嬪笀鐨勬湡鏈涘€间负0.45%锛岃€屽垵绾у伐绋嬪笀鐨勬湡鏈涘€间负.15%銆傚垵绾у晢鍔″紑鍙戜汉鍛樼殑鏈熸湜鍊兼槸0.05%锛岃繖涓庝綔涓鸿璁″笀鎴栧競鍦鸿惀閿€鐨勫垵绾т汉鍛樼殑鏈熸湜鍊肩浉鍚屻€?/p>

鑰屼笖锛屼粎鍥犱负鏌愪汉鑾峰緱浜嗕竴涓ぇ澶磋锛屽苟涓嶆剰鍛崇潃鎮ㄥ簲璇ユ斁寮冨晢搴椼€?ldquo;鎴戜滑鍙戠幇锛屽湪绉嶅瓙闃舵浼氬彂鐢熷緢澶氳鑹插拰鑱岀О鑶ㄨ儉锛屾渶濂介伩鍏嶈繖绉嶆儏鍐碉紝”銆婄储寮曘€嬫墜鍐屽紩鐢ㄧ殑娆ф床绉嶅瓙鍩洪噾Seedcamp鐨勮仈鍚堝垱濮嬩汉鍏兼櫘閫氬悎浼欎汉Reshma Sohoni璀﹀憡璇淬€?ldquo;鍦ㄨ繖涓樁娈碉紝鎮ㄤ笉纭畾璋佸皢缁х画涓庢偍涓€璧峰啋闄┿€?rdquo;

鏃堕棿鑳滆繃璧勫巻鍜岀粡楠?/p>

Shukla鍦≧ewardsPay寤虹珛濂圭殑鍥㈤槦鏃讹紝鏍规嵁缁忛獙鍜屼竴涓汉鐨勮柂姘磋姹傦紝濂圭粰鍔犲叆鍥㈤槦鐨勬渶鏃╃殑宸ョ▼甯堟彁渚涗簡0.5%鑷?%鐨勮偂鏉冦€傛湁浜涗汉鎰挎剰骞朵笖鑳藉浠ユ渶浣庣殑宸ヨ祫鍜屾洿楂樼殑鏉冪泭鏉ュ伐浣滐紝鑰屽彟涓€浜涗汉鍒欏洜涓汉鎯呭喌瑕佹眰鏇撮珮鐨勭幇閲戣ˉ鍋裤€傛棤璁哄浣曪紝鑸掑皵鍗¤锛?ldquo;鎮ㄧ粍鎴愮殑鏃╂湡鍥㈤槦鑲畾姣斿悗鏉ョ殑鍛樺伐鎷ユ湁鏇村鐨勫簱瀛樸€?rdquo;

纭疄锛屽湪璁稿鎯呭喌涓嬶紝鍛樺伐鍐冲畾鍔犲叆鍏徃鐨勬椂鏈哄鎻愪緵澶氬皯鑲℃潈鐨勫奖鍝嶄笉鎴愭瘮渚嬨€傝繖鏄湁閬撶悊鐨勶細鏈変汉瓒婃棭瀵规偍鐨勫垵鍒涘叕鍙镐綔鍑烘壙璇猴紝鑱樿鑰呮壙鎷呯殑椋庨櫓灏辫秺澶с€?/p>

濡傛灉鍏抽敭浜哄憳鏄姞鍏ヤ袱浜哄洟闃熺殑绗笁浜猴紝閭d箞浠栨垨濂瑰嚑涔庡彲浠ヨ瑙嗕负鍏卞悓鍒涘浜猴紝骞跺彲鑳借幏寰楄鍏徃澶氳揪10%鐨勮偂浠姐€備絾鏄紝濡傛灉涓€瀹跺垵鍒涘叕鍙告嫢鏈夎閿€鍞拰鎺ㄥ箍鐨勪骇鍝侊紝鍒欓攢鍞富绠℃垨甯傚満鍓€昏浼氬姞鍏ワ紝鏍规嵁缁忛獙锛屼粬浠彲鑳戒細鑾峰緱1%鍒?%鐨勬敹鐩娿€?/p>

璐濈撼绾虫墭璇达細“鐧惧垎姣旂‘瀹炴湁寰堝ぇ鐨勪笉鍚屻€?rdquo;“鎴戜笉鎯宠杩欏氨鍍忎竴涓“鍑忕殑鎸囨暟锛屼絾瀹冨氨鏄偅鏍枫€傛渶鍒濈殑浜轰滑浼氬緱鍒版洿澶氾紝骞朵笖闅忕潃鏃堕棿鐨勬祦閫濊€屼笅闄嶃€?rdquo;

鍛樺伐鏈熸潈姹犵殑鏃堕棿

鏈€缁堬紝鍒涘浜洪渶瑕佽€冭檻鍒涘缓鍛樺伐鏈熸潈姹狅紝杩欐槸涓€绉嶆洿涓ユ牸鐨勫鍔辫偂鏉冪殑鏂规硶锛岃€屼笉鏄瘡澧炲姞涓€鍚嶆柊鍛樺伐灏卞墛鍑忔洿澶氳偂浠姐€?ldquo;鍦ㄧ瀛愯疆涔嬪悗锛屾偍甯屾湜璇ュ憳宸ユ睜鐨勪笂涓嬫诞鍔ㄧ害涓?0%鎴?2%锛?rdquo;James Currier璇达紝浠栨槸鍥涗綅鍒涘浜猴紝鐜板湪鏄棭鏈熼闄╂姇璧勫叕鍙窷FX鐨勬墽琛屽悎浼欎汉銆侰urrier鍜屽叾浠栦汉璇达紝瑕佹牎鍑嗚鏈熸潈姹犵殑纭垏瑙勬ā锛屽彇鍐充簬鍏徃鍦ㄦ湭鏉?2鍒?8涓湀鍐?閫氳繃涓嬩竴涓瀺璧勫懆鏈?鐨勬嫑鑱樺織鍚戙€?/p>

鍚屾牱锛屽湪绾挎寚鍗椾篃鍙互鎻愪緵甯姪銆備緥濡傦紝銆婇湇娲涢煢鑲℃潈琛ュ伩鎸囧崡銆嬫槸涓€鏈暱杈?0椤电殑鎵嬪唽锛屽叾涓В閲婁簡浠讳綍浼佷笟瀹堕兘蹇呴』鐭ラ亾鐨?ldquo;鎮礀”锛?ldquo;鐖儗”锛?ldquo;鍗曡Е鍙?rdquo;鍜?ldquo;鍙岃Е鍙?rdquo;涔嬬被鐨勫ゥ绉樻湳璇紝鐢氳嚦鏃犳硶鐞嗚В浠栦滑鐨勭煡璇嗐€傚緥甯堝拰椤鹃棶鍛婅瘔浠栦滑銆傝鎸囧崡杩樼‘瀹氫簡瑕侀伩鍏嶇殑鍦伴浄锛屽苟鍒嗚В浜嗕袱瀹舵牱鏈叕鍙哥殑鑲℃潈锛岃繖涓ゅ鍏徃鐨勫憳宸ヤ汉鏁板湪9%鑷?0%涔嬮棿銆?/p>

闅忕潃鏃堕棿鐨勬祦閫濓紝鍒涘浜哄皢闇€瑕佷慨琛ユ湡鏉冩睜锛屽洜涓烘瘡涓€杞闄╅兘绋€閲婁簡鎵€鏈変汉鐨勮偂浠姐€侰urrier璇达細“ A涔嬪悗锛屾偍甯屾湜灏嗗叾鎭㈠鍒?0%鍒?5%锛屽叿浣撳彇鍐充簬鎮ㄩ渶瑕佸灏戠鐞嗕汉鍛樸€?rdquo;闃垮姫·鑸掑厠鎷?Anu Shukla)琛ュ厖璇达細“閫氬父锛岄闄╂姇璧勫浼氳姹備竴涓彲渚涙瘡涓叡浜娇鐢ㄧ殑瀹屽叏绌虹殑鏈熸潈姹犮€?rdquo;

鍑嗗璋堝垽

鏈熸潈姹犵殑澶у皬蹇呴』鏄笌浠讳綍椋庨櫓璧勬湰瀹惰繘琛岃皥鍒ょ殑涓€閮ㄥ垎-鍒涘浜哄湪鍧愬湪椋庨櫓鎶曡祫鍏徃鐨勪細璁涔嬪墠鑰冭檻涓€涓嬭繖涓棶棰樺皢鏄槑鏅虹殑銆侭rad Feld鍜孞ason Mendelson鍦ㄤ粬浠殑钁椾綔銆婇闄╀氦鏄擄細姣斿緥甯堝拰椋庨櫓鎶曡祫瀹舵洿鑱槑銆嬩腑璀﹀憡璇达細“椋庨櫓鎶曡祫浜洪€氬父浼氶€氳繃鍦ㄤ簨鍓嶈瀺璧勭殑鍩虹涓婂鍔犳湡鏉冩睜鐨勬暟閲忔潵鑷繁鍋峰伔鎽告懜鍦拌禋閽便€?rdquo;閭f椂锛屾湡鏉冩睜鏉ヨ嚜鍒涘浜哄強鍏舵渶鏃╂姇璧勮€呯殑鑲′唤锛屽洜姝eld鍜孧endelson榧撳姳鍒涘浜哄湪璁や负椋庨櫓鎶曡祫浜鸿姹傜殑鏈熸潈姹犺繃澶х殑鎯呭喌涓嬫帹杩熸姇璧勩€?/p>

“浼佷笟瀹跺彲浠ヨ锛?#39;鐪嬶紝鎴戝潥淇℃垜浠湁瓒冲鐨勯€夋嫨鏉ユ弧瓒虫垜浠殑闇€姹傦紝” Feld鍜孧endelson寤鸿銆備粬浠锛屼负浜嗕繚鎶ら闄╂姇璧勪汉锛屽湪鍒涘浜洪敊璇殑鎯呭喌涓嬫彁渚涘叏闈㈢殑鍙嶇█閲婁繚鎶わ紝骞朵笖浠栦滑闇€瑕佸湪涓嬩竴娆¤瀺璧勪箣鍓嶆墿澶ф湡鏉冩睜銆?/p>

娌℃湁浜轰竴娆″緱鍒版墍鏈?/p>

鑲℃潈濂栧姳锛屾棤璁哄叾褰㈠紡濡備綍锛屽潎鍙栧喅浜庢棦寰楁椂闂磋〃銆備紶缁熶笂锛屽垵鍒涘叕鍙镐娇鐢ㄤ簡鍥涘勾鍩哄噯鍜屼竴骞寸殑鎮礀锛氬湪鍛樺伐宸ヤ綔鍗佷簩涓湀涔嬪墠娌℃湁鎵€鏈夋潈锛岀劧鍚庢瘡骞村伐浣?5%(鎴栬€呮瘡涓伐浣滄湀澧炲姞1/48)銆傜劧鑰岋紝浜轰滑涔熻秺鏉ヨ秺璁よ瘑鍒帮紝寤虹珛涓€涓垚鍔熺殑鍏徃閫氬父闇€瑕佽姳璐硅秴杩囧洓骞寸殑鏃堕棿锛岃€屼笖閫夋嫨鏄鐣欎綇浜烘墠鏉ュ缓绔嬩紵澶х殑鍏徃銆傜粨鏋滐紝鏇撮暱鐨勫綊灞炴椂闂磋〃鍙樺緱瓒婃潵瓒婃櫘閬嶃€?/p>

鍏徃涓婂競鎴栬鏀惰喘鎵€鑺辫垂鐨勬椂闂磋秺鏉ヨ秺闀匡紝杩欎篃褰卞搷浜嗗叾浠栬偂绁ㄦ湡鏉冩潯娆俱€傞€氬父锛屽憳宸ョ寮€鍏徃鍚庢渶澶氭湁90澶╃殑鏃堕棿鏉ヨ浣夸粬浠殑閫夋嫨鏉冿紝杩欏彲鑳芥垚鏈珮鏄傦紝鑰屼笖绋庤垂宸ㄥぇ銆傜幇鍦紝鍏徃鏈夋椂浼氬皢杩欎竴鏈熼檺寤堕暱鍒拌秴杩?0澶╋紝杩欐牱涓€鏉ワ紝濡傛灉鍛樺伐绂诲紑寰堥暱鏃堕棿鎵嶈兘灏嗗叾鏉冪泭杞崲涓虹幇閲戯紝浠栦滑灏嗕竴鏃犳墍鏈夈€?/p>

椤鹃棶濮斿憳浼氬拰钁d簨

鑲℃潈杩橀€傚悎涓哄叕鍙稿惛寮曚笉鍚岀被鍨嬬殑浜烘墠锛氳棰嗗煙鐨勭粡楠屼赴瀵岀殑浜哄憳涓嶄細鍏ㄨ亴涓烘偍宸ヤ綔锛屼絾濡傛灉浠栦滑鐨勫叴瓒d笌鎮ㄧ殑鍒╃泭淇濇寔涓€鑷达紝鍒欏彲浠ュ厖褰撻【闂紝澧炲姞鎮ㄧ殑鏈轰細鎴愬姛銆?鍦ㄥ叕鍙哥幇闃舵锛岄潪鍒涘浜鸿懀浜嬩細鎴愬憳寰堝彲鑳芥槸鍏舵姇璧勮€咃紝鍥犳鍏惰偂鏉冨皢涓庡叾鎶曡祫瑙勬ā鐩哥О銆?

杩炵画浼佷笟瀹惰浆鍙樹负椋庨櫓璧勬湰瀹剁殑搴撻噷灏?Currier)璇达紝浠栭€氬父鎰挎剰鎻愪緵鍏徃0.1%鑷?3%鐨勮祫閲戯紝浠ュ惛寮曞叾涓竴浣嶅叕鍙哥殑椤鹃棶銆備粬璇达細“鎮ㄦ墍甯屾湜鐨勬槸涓€浣嶉【闂紝浠栦細鍛婅瘔鎮ㄤ竴浜涗娇鍏徃浠峰€肩炕涓夌暘鐨勪笢瑗裤€?rdquo;“闂鏄紝鎮ㄤ笉鐭ラ亾浣滀负椤鹃棶甯﹀叆鐨勪簲鍏釜浜轰腑鐨勫摢涓細鏄偅涓汉銆傚洜姝わ紝鎮ㄦ敮浠樺叏閮?.2%鐨勮垂鐢紝骞跺笇鏈涙湁浜鸿兘缁欐偍甯︽潵杩欐牱鐨勬兂娉曪紝閭e氨鏄笉浠呬粎涓鸿嚜宸变粯鍑轰唬浠枫€?rdquo;

瑕佺偣锛氱幇閲戞湁闄愶紝鏉冪泭涔熸湁闄?/p>

鏀惧純鍏钩鍙兘浼氭劅鍒版棤鐥涖€傛瘯绔燂紝杩欐槸鍦ㄩ€氳繃涓€娴佺殑鍛樺伐涓哄垵鍒涘叕鍙搁厤澶囧憳宸ユ椂淇濈暀鐜伴噾鐨勪竴绉嶇畝渚挎柟娉曪紝鍙互鏄剧潃澧炲姞鎴愬姛鐨勬満浼氥€備絾鏄紝璇疯姳浜涙椂闂翠簡瑙f偍鎵€浠樺嚭鐨勪环鍊硷紝骞堕€氳繃鍒涘缓鍛樺伐姹犳潵灏芥棭灏嗙邯寰嬬撼鍏ユ祦绋嬨€傜劧鍚庯紝濡傛灉鎮ㄥ繀椤昏姳涓€浜涢澶栫殑閽辨墠鑳藉緱鍒颁竴涓湡姝f澃鍑虹殑浜?濡傝垝鍏嬫媺鐨凴ewardsPay蹇呴』瑕佸仛鐨勯偅鏍?锛屾偍灏变細鐭ラ亾鑷繁鐨勭珛鍦恒€?/p>