Spenny YC 申请

Winter 2020Active

Spenny 在 Winter 2020 批次的 Y Combinator 中作为一家 Fintech 公司进行过。以下是：公司做什么、谁创立了它，以及其 YC 申请，按照真实 YC 表格逐题重建。

YC 批次: Winter 2020
行业: FintechConsumer Finance
团队规模: 2
状态: Active
已发布: 2020

创始人

Gaurav AroraFounder

Spenny 做什么

Spenny is the Acorns for India. Every time a user make any digital transaction, we round off the amount to the nearest 10 INR and invest it for them into a diversified portfolio, automatically. 400M millennials in India don't invest because they don't have enough time, knowledge or access to large capital. With Spenny, they just connect the card and invest every time they spend. We're growing 67% WoW since launch, with 3,000+ users and $15,000 in AUM. Indians put $500Bn into their bank accounts annually. We charge 1.75% of the AUM for investments. That's a direct ~$9Bn market in India alone. Potentially every time a user makes a transaction, we make money. And in that sense, the timing for Spenny couldn't have been better: 1 Trillion+ transactions are expected in 2021 because of factors like Whatsapp launching its P2P payments in India for its 400M users. And the emergence of UPI means every Indian has a virtual bank account now. More interesting revenue models develop from the transaction data insights of our users. We analyse the rich data to A) up-sell more financial products like insurance etc., and B) create brand loyalty programs & partnerships. We acquire customers at minimal CAC by bank partnerships. We leverage the banks' existing users, by integrating with their mobile app. In turn, we invest into their mutual funds. Our long-term vision is to become a one-stop asset management solution for millennials.

Spenny 的 YC 申请，重建版

Y Combinator 申请

Spenny，Winter 2020 期。来自公开数据的真实申请问题解答。

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Spenny

Describe what your company does in 50 characters or less.

Acorns for India: round-up investing automatically

What is your company going to make? Please describe your product and what it does or will do.

We built Spenny to automatically invest users' spare change from digital transactions in India. Every time a user spends digitally, we round up the transaction to the nearest 10 INR and invest the difference in a diversified portfolio, making investing effortless for millennials who don't have the time or knowledge to manage investing themselves.

Where do you live now, and where would the company be based after YC?

We currently live in Bengaluru, KA, India, and plan to keep the company based there after YC.

Explain your decision regarding location.

India is where the problem exists: 400M millennials don't invest due to barriers like lack of time, knowledge, and access. Bengaluru is our home and a fintech hub. Staying here keeps us close to regulators, banks, and users.

21 更多回答在完整申请中

Founders, Progress, Idea, Equity, Curious, Batch Preference 包含在完整版中。创建免费账户即可在 YC Insights 中打开，紧邻每个其他 YC 批次。

查看完整申请

常见问题解答

这是 Spenny 的真实 YC 申请吗？

不是。Y Combinator 对提交的申请保密。这是重建版：使用 Spenny 的公开数据（发布笔记、创始人背景、产品描述）回答真实的 YC 表格问题。它展示了像 Spenny 这样的公司会如何向 YC 自我介绍，而不是他们提交的文本。

Spenny 是哪个 YC 批次的？

Spenny 是 Y Combinator Winter 2020 批次的成员。

谁创立了 Spenny？

Spenny 由 Gaurav Arora 创立。

Spenny 做什么？

Acorns for India. Every time you swipe you make a digital…

如何阅读完整的重建申请？

创建免费的 Round Funded 账户。YC Insights 中包含 Spenny 的完整 26 个问题的版本，以及其他所有 YC 批次的公司信息。