CashQ

2021年9月20日

CashQ,國際轉賬一樣簡單的發送一個文本與CashQ國際轉賬一樣簡單的發送一個文本這些天,國內轉賬比以往任何時候都更容易。應用Zelle和Venmo啟用用戶發送轉移在美國隻有手指輕按幾下。然而,國外寄錢的過程是無縫的明顯不足。平台如明智和Revolut可以花時間設置,並且轉移常常產生費用。另外,這些初創公司是麵向更多的科技專業客戶。CashQ是早期,邁阿密啟動,提供一個不同的解決方案——將為您的數字工作首先在多米尼加共和國作為technology-challenged頭巾在烏克蘭。“這是一個非常簡單的方法在國際上轉賬,就像我們目前國內轉移,“CashQ聯合創始人兼首席執行官亞曆克斯Voronovich告訴刷新邁阿密。平台集成到您最喜愛的信使服務。(目前在電報工作,公司計劃在本月晚些時候Whatsapp上線)。首先,你基金帳戶鏈接你的美國銀行賬戶。 Then you simply input the credit or debit card number of your friend or family member abroad, and the money is instantly converted to the local currency. “Banks give us the wholesale FX rate,” Voronovich explained. CashQ passes this savings on to customers. But don’t get fooled by the straightforward user experience. Under the hood, the CashQ team has had to flip the script on the traditional cash transfer process. CashQ’s underlying technology enables users to make these instant payments to foreign cards by leveraging ACH transfer technology and the vast networks encompassed by Visa Direct, MasterCard Send, and other localized card issuers. “We truly believe in the idea that our tech can be complicated in the backend. But for customers, it should be as easy as texting,” said Voronovich. CashQ co-founder and CEO Alex Voronovich Co-founder and COO Arina Anapolskaya (pictured at the top of this post) emphasized the idea of inclusion and accessibility as underpinning CashQ’s platform: “Everyone has a phone, and everyone is texting today.” However, not everyone may be comfortable using – or have access to – the more tech-intensive solutions like Wise. And traditional options, like Western Union and Ria can be pricey. “Our technology reduces discrimination in financial services, making the digital product available for all regardless of experience or education level.” At the moment, CashQ is not charging for its service. But they plan to charge a flat rate of $1 for all transfers once the platform is fully rolled out. The team hopes to focus on the Latin American and Caribbean market to start, since they have experience working in that region as contractors on a project for mobile phone network Digicel. But CashQ reports that their total addressable market consists of more than 40 million first or second generation Americans who send money abroad. The four-person team founded CashQ two years ago. A limited, invitation-only version of the service is active at the moment, with about one hundred active users. But Voronovich signaled that he hopes to work through the waiting list and onboard 10,000 customers within the next 12 months. CashQ aims to close its pre-seed round soon. “It has been a full-time job,” said Anapolskaya. But the fundraising process has left her energized: “It is nice to make connections, some of which have already turned into friendships, and to meet and learn from different founders.” Next up for CashQ is to finalize the integrations into each major messaging platform, including Whatsapp, Facebook Messenger, and Viber (a messaging app popular in Russia). Interested in trying CashQ? Join the waiting list here . Read more on Refresh Miami: