2022年10月25日

在今年推出以來,集團積累了大約5億美元的管理資產,首席執行官伊桑阿加瓦爾在接受采訪時表示。總部位於舊金山的公司背後的想法是當Agarwal——然後健身應用Aaptiv的創始人兼首席執行官——放棄他的薪水後麵臨的挑戰獲得抵押貸款。“事實上,一個大,傳統金融機構無法概念化,有一個更好的方法評估風險給我一個機會,”阿加沃說。“空間這樣成熟的破壞。“圈內人”向用戶——大部分創業者獲得風險投資基金管理公司包括Coatue管理,Andreessen Horowitz,部落資本和初始資本,以及私人公司SpaceX和條紋。啟動表示,它的目標是提供基於個人的資產,而不是薪水或信用評分。公司是指用戶為“誤解。”阿加沃說他們是一群25-to-45-year-old創始人和早期的創業公司員工淨值100萬美元到5000萬美元,他們正努力實現業務多元化,突破流動性蛞蝓的非上市公司的股權。他估計1到300萬之間有這樣的人在美國投資是有史以來最大的一個係列檢查Andreessen Horowitz,普通合夥人西班牙Acharya說:加入圈子的董事會。他預計科技創業者可能會吹噓他們的賭注在引人注目的風險基金。 “The Coterie gives you social status plus financial diversification,” Acharya said. “We like that it’s about access rather than advice.” To be sure, if a user stops repaying interest on a loan amid factors including market tumult or crumbling valuations, The Coterie can reclaim ownership of the collateral that the loan is against — for instance, holdings in the venture funds on the platform. The startup, co-founded by Agarwal, Jeson Patel and Christopher Boies, recently began offering tax and estate-planning tools , and may add other lending products. Its minimum investment is $5,000 in an individual company or $10,000 in a fund, Agarwal said. “We’re a software company — we’re not trying to be a financial adviser or a bank,” he said. DoorDash co-founder Stanley Tang and AngelList co-founder Naval Ravikant also participated in the funding round, as did Initialized, Pear VC and Google’s artificial intelligence-focused Gradient Ventures. “The Coterie provides greater financial opportunities to a new generation through broadened access to investing, lending and estate planning,” said Initialized general partner Alda Leu Dennis.