2023年6月21日

速彙金和Zirtue宣布合作服務方式,非銀行用戶特性借款人的貸款程序和轉賬公司旨在“放棄人的手,而不是施舍。”聯合創始人兼首席執行官丹尼斯Cail Zirtue兩達拉斯fintechs聯手擴大無銀行和非銀行用戶借款人。特性Zirtue,創業貸款,周三說,它與轉賬強國速彙金國際讓這些消費者親人借錢。在夥伴關係下,無銀行和非銀行用戶消費者可以用Zirtue向朋友和家人借錢,然後訪問這些基金的現金在參與整個美國速彙金的位置,或非銀行用戶借款人與銀行賬戶或借記卡card-via Zirtue應用程序,啟動說。以前,所有Zirtue借款人必須聯係他們的銀行賬戶或借記卡到他們的個人資料之前請求貸款或獲得資金。Zirtue,成立於2018年,稱自己第一個特性,對等貸款應用程序直接支付給債權人。公司促進新家庭成員和朋友之間的低息貸款,提供可控的付款時間表,貸款跟蹤、自動轉帳功能,重複支付提醒借款人。“我們的全球影響集體目標與速彙金是幫助社區重新想像他們的生活給人一隻手,而不是施舍,”丹尼斯·Cail Zirtue的聯合創始人和首席執行官,在一份聲明中說。“現在,數百萬的人自己可以得到他們所需要的經濟生命線terms-ultimately創建更大的金融股票和包容。“發薪日貸款的替代品,支票兌現服務估計有4.5%的美國家庭或大約590萬家庭被認為是既無2021年,一項調查顯示,美國聯邦存款保險公司(fdic)既無利率更高的低收入和教育家庭和黑人,西班牙人,單身母親家庭,該機構說。缺乏訪問檢查或在銀行或信用社儲蓄賬戶,無頻繁轉向昂貴的選項而不是像發薪日貸款和兌現支票的服務,經常創造更多的經濟困難。 MoneyGram said in a statement that the Zirtue partnership is a way to enhance the financial system for global consumers. Luther Maday, MoneyGram’s head of fintech strategy and innovation, called Zirtue “a forward-looking company that shares our mission to drive financial inclusion for all.” MoneyGram, the second-largest money-transfer company behind Western Union, according to U.S. News & World Report, has more than 430,000 locations around the world, including more than 20,000 in the U.S. Zirtue, with more than 20 employees, says that it’s raised $6.6 million in VC funding, and that more than $50 million in loans for bills and personalized IOUs have been processed on its platform so far. User growth and loans are up 113% from 2022 to 2023, Cail says. Get on the list. Dallas Innovates, every day. Sign up to keep your eye on what’s new and next in Dallas-Fort Worth, every day. One quick signup, and you’re done. The startup aimed at formalizing lending among family and friends adds a feature to ensure “paper-napkin IOUs” are less likely to damage relationships. “There are a lot of lenders out there that have multiple people that they’ve loaned money to,” says CEO and co-founder Dennis Cail. “And they’re like, ‘Look, if I have a chance of getting one of those loans paid back, it’s worth it.’" A subsidiary of Boston-based Bain Capital Credit is backing the launch of Legacy Corporate Lending, a new asset-based lending company headquartered in Plano that will serve middle market companies that might not be able to readily access traditional forms of lending. “We are excited to establish this well-capitalized platform in partnership with Bain Capital Credit at a time when lending provides an essential solution to many companies,” Legacy Corporate Lending CEO Clark Griffith said in a statement. “We see a significant opportunity to leverage our combined credit investment and industry expertise to provide borrowers with flexible, solutions-oriented capital. We look… In the preview for Season 5 of Dennis' podcast "Remarkable Retail: How to Win and Keep Customers in the Age of Disruption," he tells us to buckle up—and buckle up good. "Things are only going to get tougher as retailers face escalating competition and increasing macroeconomic headwinds," Dennis predicts. Quiltt Connector launched on Product Hunt this week. The fintech startup, which emerged from stealth in 2022, said that with a single line of code, its Connector helps businesses "go live" with leading account aggregation, transaction enrichment, and other financial APIs — no upfront engineering required.