{"id":3071,"date":"2026-08-20T19:13:07","date_gmt":"2026-08-20T11:13:07","guid":{"rendered":"https:\/\/www.yqcsfz.com\/?p=3071"},"modified":"2026-08-20T19:13:07","modified_gmt":"2026-08-20T11:13:07","slug":"%e6%89%80%e6%9c%89%e7%9a%84%e8%b4%a2%e5%af%8c%e7%a5%9e%e8%af%9d%ef%bc%8c%e9%83%bd%e6%98%af%e9%9d%9e%e5%85%b1%e8%af%86%e4%b8%8e%e6%97%b6%e9%97%b4%e5%a4%8d%e5%88%a9%e7%9a%84%e5%90%88%e8%b0%8b","status":"publish","type":"post","link":"https:\/\/www.zaixinjiang.com\/?p=3071","title":{"rendered":"\u6240\u6709\u7684\u8d22\u5bcc\u795e\u8bdd\uff0c\u90fd\u662f\u975e\u5171\u8bc6\u4e0e\u65f6\u95f4\u590d\u5229\u7684\u5408\u8c0b &#8211;"},"content":{"rendered":"<p>\u539f\u6587\u4f5c\u8005\uff1aSleepy.txt , \u52a8\u5bdfBeating<\/p>\n<p>2017 \u5e74\uff0c\u9ed1\u8681\u8d44\u672c\u9996\u6b21\u6295\u8d44\u6ce1\u6ce1\u739b\u7279\uff0c\u5e76\u5728\u968f\u540e\u7684\u51e0\u5e74\u91cc\u8fde\u7eed\u52a0\u6ce8\u30022020 \u5e74 12 \u6708\uff0c\u6ce1\u6ce1\u739b\u7279\u5728\u9999\u6e2f\u4e0a\u5e02\uff0c\u9996\u65e5\u5e02\u503c\u7a81\u7834\u5343\u4ebf\u6e2f\u5143\u3002\u9ed1\u8681\u8d44\u672c\u5b9e\u73b0\u4e86\u8d85\u8fc7\u767e\u500d\u7684\u8d26\u9762\u56de\u62a5\uff0c\u6210\u4e3a\u4e2d\u56fd\u6d88\u8d39\u6295\u8d44\u9886\u57df\u7684\u7ecf\u5178\u6848\u4f8b\u3002<\/p>\n<p>2010 \u5e74\uff0c\u7ea2\u6749\u8d44\u672c\u4e2d\u56fd\u57fa\u91d1\u6295\u8d44\u7f8e\u56e2\uff0c\u7ecf\u8fc7\u591a\u8f6e\u8ddf\u6295\uff0c\u6700\u7ec8\u5728\u7f8e\u56e2\u4e0a\u5e02\u65f6\u83b7\u5f97\u4e86\u8d85\u8fc7 100 \u500d\u7684\u56de\u62a5\u3002\u8fd9\u7b14\u6295\u8d44\u8ba9\u7ea2\u6749\u4e2d\u56fd\u6210\u4e3a\u4e2d\u56fd\u4e92\u8054\u7f51\u6295\u8d44\u53f2\u4e0a\u6700\u6210\u529f\u7684\u673a\u6784\u4e4b\u4e00\u3002<\/p>\n<p>\u5728\u98ce\u9669\u6295\u8d44\u7684\u4e16\u754c\u91cc\uff0c10 \u500d\u56de\u62a5\u5df2\u662f\u4f18\u79c0\uff0c100 \u500d\u56de\u62a5\u582a\u79f0\u4f20\u5947\u3002<\/p>\n<p>\u7136\u800c\uff0c\u5728\u6b27\u6d32\uff0c\u6709\u4e00\u5bb6\u98ce\u6295\u673a\u6784\u5728\u4e00\u7b14\u6295\u8d44\u4e0a\u83b7\u5f97\u4e86\u8fd1 1400 \u500d\u7684\u56de\u62a5\u3002<\/p>\n<p>\u8fd9\u5bb6\u673a\u6784\u53eb Balderton Capital\u30022015 \u5e74\uff0c\u4ed6\u4eec\u9886\u6295\u4e86\u300c\u6b27\u6d32\u652f\u4ed8\u5b9d\u300dRevolut \u7684\u79cd\u5b50\u8f6e\uff0c\u6295\u8d44 100 \u4e07\u82f1\u9551\u3002\u968f\u540e\u7684 10 \u5e74\u91cc\uff0c\u4ed6\u4eec\u6301\u7eed\u8ddf\u6295\u591a\u8f6e\uff0c\u603b\u6295\u8d44\u7ea6 300 \u4e07\u82f1\u9551\u3002<\/p>\n<p>11 \u5e74\u65f6\u95f4\uff0cRevolut \u4ece\u4e00\u4e2a\u88ab Y Combinator \u62d2\u7edd\u7684\u8349\u6839\u9879\u76ee\uff0c\u6210\u957f\u4e3a\u4e00\u5bb6\u4f30\u503c 750 \u4ebf\u7f8e\u5143\u7684\u91d1\u878d\u79d1\u6280\u5de8\u5934\uff0c\u88ab\u79f0\u4f5c\u6b27\u6d32\u6700\u6709\u4ef7\u503c\u7684\u91d1\u878d\u79d1\u6280\u516c\u53f8\u3002\u5982\u4eca\uff0cRevolut \u5728\u5168\u7403\u62e5\u6709\u8d85\u8fc7 6500 \u4e07\u7528\u6237\uff0c\u5e74\u6536\u5165\u8d85\u8fc7 40 \u4ebf\u7f8e\u5143\uff0c\u5e74\u5229\u6da6\u8d85\u8fc7 10 \u4ebf\u7f8e\u5143\uff0c\u6bcf\u5929\u5904\u7406\u7740\u6570\u5341\u4ebf\u7f8e\u5143\u7684\u4ea4\u6613\u3002<\/p>\n<p>2025 \u5e74\uff0cBalderton Capital \u901a\u8fc7\u6301\u7eed\u51fa\u552e\u5176\u5728 Revolut \u7684\u90e8\u5206\u80a1\u4efd\uff0c\u7d2f\u8ba1\u5957\u73b0\u7ea6 20 \u4ebf\u7f8e\u5143\u3002\u800c\u4ed6\u4eec\u624b\u4e2d\u5269\u4f59\u7684\u80a1\u4efd\uff0c\u6309\u6700\u65b0\u4f30\u503c\u8ba1\u7b97\uff0c\u4ef7\u503c\u4ecd\u8d85\u8fc7 40 \u4ebf\u7f8e\u5143\u3002\u8fd9\u610f\u5473\u7740\uff0cBalderton \u5728 Revolut \u4e0a\u7684\u603b\u56de\u62a5\u8d85\u8fc7 60 \u4ebf\u7f8e\u5143\uff0c\u662f\u5176\u6295\u8d44\u989d\u7684\u8fd1 1400 \u500d\u3002<\/p>\n<p>\u66f4\u4ee4\u4eba\u9707\u64bc\u7684\u662f\uff0cBalderton \u6301\u6709 Revolut \u80a1\u4efd\u7684\u57fa\u91d1\u2014\u2014\u6210\u7acb\u4e8e 2014 \u5e74\u7684 Balderton Capital Fund V\uff0c\u603b\u52df\u8d44\u89c4\u6a21\u4ec5\u4e3a 3.05 \u4ebf\u7f8e\u5143\u30022025 \u5e74\uff0c\u8fd9\u53ea\u57fa\u91d1\u901a\u8fc7\u51fa\u552e Revolut \u90e8\u5206\u80a1\u4efd\uff0c\u5df2\u7ecf\u5411\u6295\u8d44\u4eba\u8fd4\u8fd8\u4e86\u8d85\u8fc7 20 \u500d\u7684\u56de\u62a5\u3002\u8fd9\u610f\u5473\u7740\uff0c\u5373\u4f7f\u8fd9\u53ea\u57fa\u91d1\u6295\u8d44\u7684\u5176\u4ed6\u6240\u6709\u9879\u76ee\u5168\u90e8\u5f52\u96f6\uff0c\u5b83\u7684\u56de\u62a5\u500d\u6570\u4ecd\u7136\u8fdc\u8d85\u884c\u4e1a\u9876\u7ea7\u57fa\u91d1\u5e73\u5747\u6c34\u5e73\u7684 3\uff5e5 \u500d\u3002<\/p>\n<p>\u8fd9\u4e2a\u6545\u4e8b\u8bb2\u8ff0\u7684\u662f\u98ce\u9669\u6295\u8d44\u7684\u672c\u8d28\u3002\u5728\u786e\u5b9a\u6027\u65e9\u5df2\u6d88\u5931\u7684\u5546\u4e1a\u4e16\u754c\u91cc\uff0c\u6211\u4eec\u8be5\u5982\u4f55\u9762\u5bf9\u4e0d\u786e\u5b9a\u6027\uff1f\u5f53\u6240\u6709\u4eba\u90fd\u770b\u5230\u98ce\u9669\u65f6\uff0c\u673a\u4f1a\u53c8\u6f5c\u85cf\u5728\u4f55\u5904\uff1f<\/p>\n<h2>\u4e24\u4e2a\u4e16\u754c\u7684\u4eba<\/h2>\n<p>\u8fd9\u4e2a\u6545\u4e8b\u7684\u8d77\u70b9\uff0c\u662f\u4e24\u4e2a\u622a\u7136\u4e0d\u540c\u7684\u4eba\u5728 2015 \u5e74\u521d\u7684\u76f8\u9047\u3002<\/p>\n<p>\u7b2c\u4e00\u4e2a\u4eba\u53eb\u5c3c\u53e4\u62c9\u00b7\u65af\u6258\u9f99\u65af\u57fa\uff08Nikolay Storonsky\uff09\uff0c\u4e00\u4e2a\u4ece\u9aa8\u5b50\u91cc\u5c31\u5199\u6ee1\u4e86\u4e0d\u5b89\u5206\u7684\u4fc4\u7f57\u65af\u4eba\u3002\u4ed6\u7684\u7236\u4eb2\u662f\u4fc4\u7f57\u65af\u5929\u7136\u6c14\u5de5\u4e1a\u80a1\u4efd\u516c\u53f8\u7684\u9ad8\u7ba1\uff0c\u5bb6\u5883\u4f18\u6e25\u3002\u4ed6\u62e5\u6709\u83ab\u65af\u79d1\u7269\u7406\u6280\u672f\u5b66\u9662\u7684\u7269\u7406\u5b66\u548c\u65b0\u7ecf\u6d4e\u5b66\u9662\u7684\u7ecf\u6d4e\u5b66\u53cc\u7855\u58eb\u5b66\u4f4d\uff0c\u540c\u65f6\u8fd8\u662f\u4e2a\u8fd0\u52a8\u72c2\u4eba\uff0c\u66fe\u662f\u56fd\u5bb6\u7ea7\u7684\u6e38\u6cf3\u51a0\u519b\uff0c\u8fd8\u70ed\u8877\u4e8e\u62f3\u51fb\u548c\u51b2\u6d6a\u3002<\/p>\n<p>2006 \u5e74\uff0c\u4ed6\u6765\u5230\u4f26\u6566\uff0c\u5728\u96f7\u66fc\u5144\u5f1f\u6210\u4e3a\u4e00\u540d\u884d\u751f\u54c1\u4ea4\u6613\u5458\uff0c\u6bcf\u5929\u4e0e\u6570\u5341\u4ebf\u7f8e\u5143\u7684\u4ea4\u6613\u6253\u4ea4\u9053\u30022008 \u5e74\uff0c\u96f7\u66fc\u5144\u5f1f\u66b4\u96f7\u540e\uff0c\u4ed6\u8df3\u69fd\u5230\u4e86\u745e\u58eb\u4fe1\u8d37\u3002\u5728\u9891\u7e41\u7684\u5168\u7403\u5dee\u65c5\u4e2d\uff0c\u6bcf\u5e74\u4ed6\u90fd\u8981\u82b1\u8d39\u6389\u6570\u5343\u7f8e\u5143\u7684\u6362\u6c47\u635f\u8017\u3002\u4ed6\u89c9\u5f97\u8fd9\u4e0d\u5408\u7406\uff0c\u4e5f\u4e0d\u516c\u5e73\u3002<\/p>\n<p>\u4e8e\u662f\uff0c\u4ed6\u627e\u5230\u4e86\u5728\u745e\u4fe1\u548c\u5fb7\u610f\u5fd7\u94f6\u884c\u5de5\u4f5c\u4e86 10 \u5e74\u7684\u8f6f\u4ef6\u5de5\u7a0b\u5e08\u5f17\u62c9\u5fb7\u00b7\u96c5\u7434\u79d1\uff08Vlad Yatsenko\uff09\uff0c\u51b3\u5b9a\u81ea\u5df1\u52a8\u624b\u89e3\u51b3\u8fd9\u4e2a\u95ee\u9898\u3002<\/p>\n<p>2014 \u5e74\uff0c\u4ed6\u4eec\u5728\u4f26\u6566\u91d1\u4e1d\u96c0\u7801\u5934\u7684 Level39 \u5b75\u5316\u5668\u521b\u529e\u4e86 Revolut\u3002\u65af\u6258\u9f99\u65af\u57fa\u62ff\u51fa\u4e86\u81ea\u5df1\u5168\u90e8\u7684\u79ef\u84c4\uff0c30 \u4e07\u82f1\u9551\uff0c\u8d4c\u4e0a\u4e86\u81ea\u5df1\u7684\u672a\u6765\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/static.aicoin.com\/attachment\/article\/20260126\/176943242046533.jpg\" title=\"\u6240\u6709\u7684\u8d22\u5bcc\u795e\u8bdd\uff0c\u90fd\u662f\u975e\u5171\u8bc6\u4e0e\u65f6\u95f4\u590d\u5229\u7684\u5408\u8c0b &#8211;\u63d2\u56fe\" alt=\"\u6240\u6709\u7684\u8d22\u5bcc\u795e\u8bdd\uff0c\u90fd\u662f\u975e\u5171\u8bc6\u4e0e\u65f6\u95f4\u590d\u5229\u7684\u5408\u8c0b &#8211;\u63d2\u56fe\" \/><\/p>\n<p>\u800c\u5373\u5c06\u4e0e\u4ed6\u4f1a\u9762\u7684\u7b2c\u4e8c\u4e2a\u4eba\uff0c\u8482\u59c6\u00b7\u90a6\u5ef7\uff08Tim Bunting\uff09\uff0c\u5219\u6765\u81ea\u53e6\u4e00\u4e2a\u4e16\u754c\u3002<\/p>\n<p>2007 \u5e74\uff0c43 \u5c81\u7684\u90a6\u5ef7\u51b3\u5b9a\u79bb\u5f00\u9ad8\u76db\u3002<\/p>\n<p>\u4ed6\u5728\u9ad8\u76db\u5de5\u4f5c\u4e86 18 \u5e74\uff0c\u4e00\u8def\u505a\u5230\u4e86\u5168\u7403\u80a1\u6743\u8d44\u672c\u5e02\u573a\u4e3b\u7ba1\u548c\u56fd\u9645\u526f\u4e3b\u5e2d\uff0c\u662f\u9ad8\u76db\u7684\u5408\u4f19\u4eba\u4e4b\u4e00\u3002\u4ed6\u7ad9\u5728\u4e86\u786e\u5b9a\u6027\u4e16\u754c\u7684\u9876\u7aef\uff0c\u5728\u8fd9\u91cc\uff0c\u6bcf\u7b14\u4ea4\u6613\u90fd\u6709\u7cbe\u786e\u7684\u6a21\u578b\uff0c\u6bcf\u4e2a\u51b3\u7b56\u90fd\u6709\u6d77\u91cf\u7684\u6570\u636e\u652f\u6491\uff0c\u98ce\u9669\u88ab\u91cf\u5316\uff0c\u672a\u6765\u88ab\u9884\u6d4b\u3002<\/p>\n<p>\u4f46\u4ed6\u5374\u9009\u62e9\u79bb\u5f00\uff0c\u8df3\u5165\u4e86\u4e00\u4e2a\u622a\u7136\u4e0d\u540c\u7684\u4e16\u754c\u2014\u2014\u98ce\u9669\u6295\u8d44\u3002<\/p>\n<p>\u4ed6\u52a0\u5165\u4e86 Balderton Capital\u3002\u98ce\u9669\u6295\u8d44\u7684\u672c\u8d28\uff0c\u662f\u5728\u4e0d\u786e\u5b9a\u6027\u4e2d\u5bfb\u627e\u53ef\u80fd\u6027\u3002\u8fd9\u91cc\u6ca1\u6709\u5b8c\u7f8e\u7684\u6a21\u578b\uff0c\u53ea\u6709\u6a21\u7cca\u7684\u8fdc\u89c1\u548c\u5bf9\u4eba\u7684\u5224\u65ad\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/static.aicoin.com\/attachment\/article\/20260126\/176943242326601.jpg\" title=\"\u6240\u6709\u7684\u8d22\u5bcc\u795e\u8bdd\uff0c\u90fd\u662f\u975e\u5171\u8bc6\u4e0e\u65f6\u95f4\u590d\u5229\u7684\u5408\u8c0b &#8211;\u63d2\u56fe1\" alt=\"\u6240\u6709\u7684\u8d22\u5bcc\u795e\u8bdd\uff0c\u90fd\u662f\u975e\u5171\u8bc6\u4e0e\u65f6\u95f4\u590d\u5229\u7684\u5408\u8c0b &#8211;\u63d2\u56fe1\" \/><\/p>\n<p>\u4ed6\u4eec\u5728 2015 \u5e74 2 \u6708\u76f8\u9047\u65f6\uff0cRevolut \u7684\u72b6\u51b5\u5341\u5206\u60e8\u6de1\u3002\u4ed6\u4eec\u7684\u4ea7\u54c1 demo \u5728\u90a3\u65f6\u8fd8\u65e0\u6cd5\u6b63\u5e38\u8fd0\u884c\uff0c\u5e76\u4e14\u521a\u521a\u88ab\u7845\u8c37\u6700\u8457\u540d\u7684\u5b75\u5316\u5668 Y Combinator \u62d2\u7edd\u3002\u5728\u4efb\u4f55\u4e00\u4e2a\u6b63\u5e38\u7684\u6295\u8d44\u51b3\u7b56\u6d41\u7a0b\u91cc\uff0c\u8fd9\u90fd\u662f\u4e00\u4e2a\u4f1a\u88ab\u7acb\u523b\u5426\u51b3\u7684\u9879\u76ee\u3002<\/p>\n<p>\u4f46\u90a6\u5ef7\u770b\u5230\u4e86\u4e00\u4e9b\u4e0d\u4e00\u6837\u7684\u4e1c\u897f\u3002<\/p>\n<p>\u4ed6\u540e\u6765\u56de\u5fc6\uff0c\u4ed6\u5728\u65af\u6258\u9f99\u65af\u57fa\u7684\u773c\u775b\u91cc\uff0c\u770b\u5230\u4e86\u4e00\u79cd\u8981\u6380\u7ffb\u6574\u4e2a\u6b27\u6d32\u94f6\u884c\u4e1a\u7684\u91ce\u5fc3\u548c\u6c14\u52bf\u3002\u540c\u65f6\uff0c\u4ed6\u53c8\u5728\u6280\u672f\u5408\u4f19\u4eba\u96c5\u7434\u79d1\u8eab\u4e0a\uff0c\u770b\u5230\u4e86\u6c89\u7a33\u548c\u53ef\u9760\u3002\u4e00\u4e2a\u61c2\u91d1\u878d\uff0c\u4e00\u4e2a\u61c2\u6280\u672f\uff0c\u4e00\u4e2a\u6709\u51b2\u52b2\uff0c\u4e00\u4e2a\u6709\u5b9a\u529b\uff0c\u8fd9\u662f\u5b8c\u7f8e\u7684\u521b\u59cb\u4eba\u7ec4\u5408\u3002<\/p>\n<p>\u5728\u6240\u6709\u4eba\u90fd\u770b\u5230\u98ce\u9669\u7684\u65f6\u5019\uff0c\u4f1f\u5927\u7684\u6295\u8d44\u4eba\u80fd\u770b\u5230\u673a\u4f1a\u3002\u5171\u8bc6\u5f80\u5f80\u53ea\u80fd\u5e26\u6765\u5e73\u5eb8\u7684\u56de\u62a5\uff0c\u53ea\u6709\u975e\u5171\u8bc6\uff0c\u624d\u6709\u53ef\u80fd\u5e26\u6765\u8d85\u989d\u56de\u62a5\u3002<\/p>\n<p>2015 \u5e74 7 \u6708\uff0cBalderton \u6b63\u5f0f\u9886\u6295\u4e86 Revolut \u7684\u79cd\u5b50\u8f6e\uff0c\u6295\u8d44 100 \u4e07\u82f1\u9551\uff0c\u516c\u53f8\u6295\u540e\u4f30\u503c\u4e3a 670 \u4e07\u82f1\u9551\u3002<\/p>\n<p>\u7136\u800c\uff0c\u4ec5\u4ec5\u6709\u4f18\u79c0\u7684\u521b\u59cb\u4eba\u548c\u52c7\u6562\u7684\u6295\u8d44\u4eba\u5c31\u8db3\u591f\u4e86\u5417\uff1f\u4e00\u4e2a 1400 \u500d\u56de\u62a5\u7684\u5947\u8ff9\uff0c\u80cc\u540e\u662f\u5426\u8fd8\u6709\u66f4\u5b8f\u5927\u7684\u529b\u91cf\u5728\u63a8\u52a8\uff1f<\/p>\n<h2>\u5929\u65f6\u3001\u5730\u5229\u3001\u4eba\u548c<\/h2>\n<p>Revolut \u6210\u529f\u7684\u80cc\u540e\uff0c\u662f\u5929\u65f6\u3001\u5730\u5229\u3001\u4eba\u548c\u3002<\/p>\n<p>\u9996\u5148\uff0c\u662f 2008 \u5e74\u91d1\u878d\u5371\u673a\u7684\u4f59\u9707\uff0c\u8fd9\u573a\u5371\u673a\u51e0\u4e4e\u6467\u6bc1\u4e86\u516c\u4f17\u5bf9\u4f20\u7edf\u94f6\u884c\u7684\u4fe1\u4efb\u3002<\/p>\n<p>\u6839\u636e Eurobarometer \u7684\u8c03\u67e5\uff0c\u5371\u673a\u540e\u6b27\u6d32\u6c11\u4f17\u5bf9\u94f6\u884c\u7684\u4fe1\u4efb\u5ea6\u964d\u81f3\u5386\u53f2\u51b0\u70b9\u3002\u94f6\u884c\u81ea\u8eab\u4e5f\u6df1\u9677\u6ce5\u6f6d\uff0c\u76c8\u5229\u80fd\u529b\u4e00\u843d\u5343\u4e08\u3002\u6570\u636e\u663e\u793a\uff0c\u6b27\u6d32\u94f6\u884c\u4e1a\u7684\u5e73\u5747\u80a1\u672c\u56de\u62a5\u7387\uff08ROE\uff09\u4ece\u5371\u673a\u524d\u7684\u7ea6 11% \u66b4\u8dcc\u81f3 2015 \u5e74\u524d\u540e\u7684 4%-5%\uff0c\u8fdc\u4f4e\u4e8e\u7f8e\u56fd\u540c\u884c\u3002<\/p>\n<p>\u4e3a\u4e86\u751f\u5b58\uff0c\u94f6\u884c\u5f00\u59cb\u4e86\u5927\u89c4\u6a21\u7684\u88c1\u5458\u3002\u4ece 2012 \u5e74\u5230 2015 \u5e74\uff0c\u6b27\u6d32\u7684\u94f6\u884c\u5173\u95ed\u4e86\u8d85\u8fc7 1 \u4e07\u5bb6\u5206\u652f\u673a\u6784\uff0c\u88c1\u51cf\u4e86\u6570\u4e07\u540d\u5458\u5de5\u3002\u8fd9\u5bfc\u81f4\u94f6\u884c\u670d\u52a1\u8d28\u91cf\u6025\u5267\u4e0b\u964d\uff0c\u5ba2\u6237\u4f53\u9a8c\u7cdf\u7cd5\u900f\u9876\uff0c\u4e3a\u65b0\u7684\u6311\u6218\u8005\u7559\u51fa\u4e86\u5de8\u5927\u7684\u5e02\u573a\u771f\u7a7a\u3002<\/p>\n<p>\u4e0e\u6b64\u540c\u65f6\uff0c\u6280\u672f\u7684\u6d6a\u6f6e\u6b63\u5728\u91cd\u5851\u5e02\u573a\u30022015 \u5e74\uff0c\u6b27\u6d32\u7684\u667a\u80fd\u624b\u673a\u666e\u53ca\u7387\u5f00\u59cb\u5927\u5e45\u63d0\u5347\uff0c\u624b\u673a\u94f6\u884c\u7684\u91c7\u7528\u7387\u4e5f\u5feb\u901f\u589e\u957f\u3002\u91d1\u878d\u670d\u52a1\u4ece\u7ebf\u4e0b\u7f51\u70b9\u8f6c\u79fb\u5230\u79fb\u52a8 App \u6210\u4e3a\u4e86\u4e0d\u53ef\u9006\u8f6c\u7684\u8d8b\u52bf\u3002<\/p>\n<p>\u800c\u76d1\u7ba1\u7684\u4e1c\u98ce\u4e5f\u6070\u9022\u5176\u65f6\u3002\u6b27\u76df\u5728 2015 \u5e74\u5e95\u901a\u8fc7\u4e86\u7b2c\u4e8c\u7248\u300a\u652f\u4ed8\u670d\u52a1\u6307\u4ee4\u300b\uff08PSD2\uff09\uff0c\u8fd9\u4e00\u6cd5\u6848\u7684\u6838\u5fc3\u662f\u300c\u5f00\u653e\u94f6\u884c\u300d\uff0c\u5b83\u6253\u7834\u4e86\u94f6\u884c\u5bf9\u5ba2\u6237\u6570\u636e\u7684\u5784\u65ad\uff0c\u5141\u8bb8\u7b2c\u4e09\u65b9\u91d1\u878d\u79d1\u6280\u516c\u53f8\u5728\u7528\u6237\u6388\u6743\u7684\u60c5\u51b5\u4e0b\uff0c\u8bbf\u95ee\u5176\u94f6\u884c\u8d26\u6237\u6570\u636e\uff0c\u63d0\u4f9b\u521b\u65b0\u7684\u91d1\u878d\u670d\u52a1\u3002\u8fd9\u4e3a\u6574\u4e2a\u91d1\u878d\u79d1\u6280\u884c\u4e1a\u7684\u53d1\u5c55\u94fa\u5e73\u4e86\u9053\u8def\u3002<\/p>\n<p>\u65b0\u4e00\u4ee3\u7684\u6d88\u8d39\u8005\u4e5f\u5728\u5feb\u901f\u6210\u957f\u3002\u4f5c\u4e3a\u6570\u5b57\u65f6\u4ee3\u7684\u539f\u4f4f\u6c11\uff0c\u4ed6\u4eec\u975e\u5e38\u8ba8\u538c\u4f20\u7edf\u94f6\u884c\u7e41\u7410\u7684\u6d41\u7a0b\u548c\u7cdf\u7cd5\u7684\u4f53\u9a8c\u30022015 \u5e74\u7684\u4e00\u9879\u8c03\u67e5\u663e\u793a\uff0c80% \u7684 45 \u5c81\u4ee5\u4e0b\u6d88\u8d39\u8005\u8ba4\u4e3a\uff0c\u4ed6\u4eec\u5e94\u8be5\u80fd\u901a\u8fc7\u624b\u673a App \u5b8c\u6210\u4efb\u4f55\u91d1\u878d\u4e1a\u52a1\u3002<\/p>\n<p>\u800c\u6b27\u6d32\u5e02\u573a\u672c\u8eab\u788e\u7247\u5316\u7684\u7279\u8d28\uff0c\u4e5f\u6210\u4e3a\u4e86 Revolut \u7684\u52a9\u63a8\u5668\u3002\u6b27\u6d32\u7531\u6570\u5341\u4e2a\u56fd\u5bb6\u3001\u8bed\u8a00\u548c\u8d27\u5e01\u7ec4\u6210\uff0c\u8de8\u5883\u4ea4\u6613\u7684\u4e0d\u4fbf\u548c\u9ad8\u6602\u7684\u6210\u672c\uff0c\u4e00\u76f4\u662f\u4e00\u4e2a\u5de8\u5927\u7684\u75db\u70b9\u3002<\/p>\n<p>\u6b63\u662f\u5728\u8fd9\u6837\u7684\u80cc\u666f\u4e0b\uff0c2015 \u5e74\u524d\u540e\uff0c\u6b27\u6d32\u7684\u91d1\u878d\u79d1\u6280\u8d5b\u9053\u4e0a\uff0c\u67aa\u58f0\u9f50\u9e23\u3002\u5fb7\u56fd\u7684 N26\u3001\u82f1\u56fd\u7684 Monzo \u548c Starling\u3001\u4e3b\u6253\u8de8\u5883\u6c47\u6b3e\u7684 TransferWise\uff08\u5982\u4eca\u7684 Wise\uff09\u51e0\u4e4e\u5728\u540c\u4e00\u65f6\u95f4\u6d8c\u73b0\u3002\u4ed6\u4eec\u5404\u81ea\u5360\u636e\u4e00\u4e2a\u5c71\u5934\uff0cN26 \u4e3b\u6253\u8bbe\u8ba1\uff0cMonzo \u5f3a\u8c03\u793e\u4ea4\u3002\u5f53\u65f6\u7684\u884c\u4e1a\u5171\u8bc6\u662f\uff1a\u4e00\u6b21\u62ff\u4e0b\u4e00\u4e2a\u5e02\u573a\u6216\u4e00\u4e2a\u4ea7\u54c1\u7c7b\u522b\u3002<\/p>\n<p>\u4f46 Revolut \u4ece\u4e00\u5f00\u59cb\u5c31\u662f\u4e2a\u5f02\u7c7b\u3002<\/p>\n<p>\u5b83\u7684\u6838\u5fc3\u6d1e\u5bdf\u662f\uff0c\u94f6\u884c\u4e1a\u53ef\u4ee5\u50cf\u4e00\u4e2a\u5168\u7403\u8f6f\u4ef6\u4ea7\u54c1\u4e00\u6837\u88ab\u6253\u9020\uff0c\u4ece\u7b2c\u4e00\u5929\u8d77\u5c31\u662f\u5168\u6808\u548c\u65e0\u56fd\u754c\u7684\u3002\u5f53\u7ade\u4e89\u5bf9\u624b\u8fd8\u5728\u7cbe\u8015\u7ec6\u4f5c\u67d0\u4e00\u5757\u8bd5\u9a8c\u7530\u65f6\uff0cRevolut \u5df2\u7ecf\u5728\u5168\u7403\u8303\u56f4\u6269\u5f20\u3002\u8fd9\u79cd\u5728\u5f53\u65f6\u770b\u6765\u6781\u5177\u4e89\u8bae\u6027\u7684\u5927\u80c6\u7b56\u7565\uff0c\u6700\u7ec8\u8ba9\u5b83\u7529\u5f00\u4e86\u6240\u6709\u5bf9\u624b\u3002<\/p>\n<p>\u7136\u800c\uff0c\u4ece\u4e00\u4e2a\u5b8f\u5927\u7684\u613f\u666f\u5230\u4e00\u4e2a\u4f1f\u5927\u7684\u516c\u53f8\uff0c\u4e2d\u95f4\u9694\u7740\u4e5d\u6b7b\u4e00\u751f\uff0cRevolut \u5e76\u975e\u4e00\u5e06\u98ce\u987a\u3002<\/p>\n<h2>\u5728\u4e89\u8bae\u4e2d\u72c2\u5954<\/h2>\n<p>Revolut \u7684\u516c\u53f8\u4ef7\u503c\u89c2\u4e2d\uff0c\u6709\u4e00\u6761\u662f\u300cNever Settle\u300d\uff08\u6c38\u4e0d\u6ee1\u8db3\uff09\u3002\u8fd9\u6761\u4ef7\u503c\u89c2\uff0c\u6df1\u523b\u5730\u70d9\u5370\u5728\u8fd9\u5bb6\u516c\u53f8\u7684 DNA \u91cc\uff0c\u9a71\u52a8\u7740\u5b83\u5728\u8fc7\u53bb 11 \u5e74\u91cc\u4e00\u76f4\u5728\u4e89\u8bae\u4e2d\u72c2\u5954\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/static.aicoin.com\/attachment\/article\/20260126\/176943242386304.jpg\" title=\"\u6240\u6709\u7684\u8d22\u5bcc\u795e\u8bdd\uff0c\u90fd\u662f\u975e\u5171\u8bc6\u4e0e\u65f6\u95f4\u590d\u5229\u7684\u5408\u8c0b &#8211;\u63d2\u56fe2\" alt=\"\u6240\u6709\u7684\u8d22\u5bcc\u795e\u8bdd\uff0c\u90fd\u662f\u975e\u5171\u8bc6\u4e0e\u65f6\u95f4\u590d\u5229\u7684\u5408\u8c0b &#8211;\u63d2\u56fe2\" \/><\/p>\n<p>\u8fd9\u79cd\u6c38\u4e0d\u6ee1\u8db3\u9996\u5148\u4f53\u73b0\u5728\u4ea7\u54c1\u6269\u5f20\u7684\u901f\u5ea6\u4e0a\u3002<\/p>\n<p>2015 \u5e74 7 \u6708\uff0cRevolut \u6b63\u5f0f\u63a8\u51fa\u4ea7\u54c1\uff0c\u9996\u5e74\u5c31\u5904\u7406\u4e86\u8d85\u8fc7 5 \u4ebf\u7f8e\u5143\u7684\u4ea4\u6613\u3002\u5230 2016 \u5e74\u5e95\uff0c\u7528\u6237\u6570\u7a81\u7834 30 \u4e07\uff0c\u5904\u7406\u4e86\u8fd1 10 \u4ebf\u82f1\u9551\u7684\u4ea4\u6613\u989d\u30022017 \u5e74 11 \u6708\uff0cRevolut \u5ba3\u5e03\u7528\u6237\u6570\u7a81\u7834 100 \u4e07\uff0c\u4ec5\u7528\u4e86\u4e24\u5e74\u591a\u65f6\u95f4\u5c31\u8fbe\u5230\u4e86\u8fd9\u4e2a\u91cc\u7a0b\u7891\u3002<\/p>\n<p>\u65af\u6258\u9f99\u65af\u57fa\u7684\u4fe1\u6761\u662f\u300c\u66f4\u5feb\u5730\u53d1\u5e03\u548c\u8fed\u4ee3\uff0c\u624d\u80fd\u7ed9\u4f60\u5e26\u6765\u66f4\u591a\u8d62\u7684\u673a\u4f1a\u3002\u300d\u5728\u63a8\u51fa\u6838\u5fc3\u4ea7\u54c1\u4f4e\u8d39\u7387\u6362\u6c47\u5361\u4e4b\u540e\uff0cRevolut \u53c8\u5f88\u5feb\u63a8\u51fa\u4e86\u8bb8\u591a\u65b0\u529f\u80fd\uff1a2017 \u5e74\u4e0a\u7ebf\u52a0\u5bc6\u8d27\u5e01\u4ea4\u6613\uff0c\u968f\u540e\u662f\u80a1\u7968\u4ea4\u6613\u3001\u50a8\u84c4\u91d1\u5e93\u3001\u9884\u7b97\u5de5\u5177\u3001\u4fdd\u9669\u3001P2P \u652f\u4ed8\u3001\u5546\u4e1a\u8d26\u6237\u2026\u2026\u5b83\u5c06\u81ea\u5df1\u6253\u9020\u6210\u4e86\u4e00\u4e2a\u65e0\u6240\u4e0d\u5305\u7684\u91d1\u878d\u8d85\u7ea7\u5e94\u7528\uff0c\u800c\u5b83\u7684\u7ade\u4e89\u5bf9\u624b\u4eec\uff0c\u8fd8\u5728\u5c0f\u5fc3\u7ffc\u7ffc\u5730\u5b88\u62a4\u7740\u81ea\u5df1\u7684\u4e00\u4ea9\u4e09\u5206\u5730\u3002<\/p>\n<p>\u8fd9\u79cd\u6fc0\u8fdb\u7684\u6269\u5f20\u7b56\u7565\u5e26\u6765\u4e86\u60ca\u4eba\u7684\u589e\u957f\u30022017 \u5e74\uff0cRevolut \u7684\u7528\u6237\u6570\u589e\u957f\u4e86 3 \u500d\uff0c\u6536\u5165\u589e\u957f\u4e86\u8fd1 5 \u500d\u30022018 \u5e74\uff0c\u7528\u6237\u6570\u4ece 150 \u4e07\u589e\u957f\u5230 350 \u4e07\uff0c\u6536\u5165\u589e\u957f\u4e86 354%\u3002\u5230 2018 \u5e74 4 \u6708\uff0cRevolut \u5b8c\u6210\u4e86 2.5 \u4ebf\u7f8e\u5143\u7684 Series C \u878d\u8d44\uff0c\u6295\u540e\u4f30\u503c\u8fbe\u5230 17 \u4ebf\u7f8e\u5143\uff0c\u6b63\u5f0f\u6210\u4e3a\u4e86\u4e00\u53ea\u72ec\u89d2\u517d\u3002<\/p>\n<p>Revolut \u4e4b\u6240\u4ee5\u80fd\u591f\u5feb\u901f\u63a8\u51fa\u65b0\u529f\u80fd\uff0c\u662f\u56e0\u4e3a\u4ed6\u4eec\u516c\u53f8\u5185\u90e8\u91c7\u7528\u4e86 VC \u5316\u7684\u4ea7\u54c1\u7b56\u7565\u3002<\/p>\n<p>\u4ed6\u4eec\u5e76\u4e0d\u8ff7\u4fe1\u7cbe\u82f1\u5f0f\u7684\u300c\u9876\u5c42\u8bbe\u8ba1\u300d\uff0c\u5185\u90e8\u901a\u5e38\u90fd\u4f1a\u6709\u975e\u5e38\u591a\u7684\u65b0\u4ea7\u54c1\u548c\u65b0\u529f\u80fd\u5728\u540c\u6b65\u8fdb\u884c\u6d4b\u8bd5\u3002\u4f46\u5b83\u4eec\u4e4b\u4e2d\u53ea\u6709\u4e00\u5c0f\u90e8\u5206\u80fd\u6700\u7ec8\u300c\u6bd5\u4e1a\u300d\u6210\u4e3a\u771f\u6b63\u7684\u4e1a\u52a1\u7ebf\u3002\u6ca1\u8dd1\u8d77\u6765\u7684\u4f1a\u88ab\u780d\u6389\uff0c\u800c\u90a3\u4e9b\u6210\u529f\u5f97\u5230\u9a8c\u8bc1\u7684\u5219\u4f1a\u83b7\u5f97\u516c\u53f8\u52a0\u500d\u7684\u8d44\u6e90\u6295\u5165\u3002<\/p>\n<p>\u4eca\u5929 Revolut \u7684\u6838\u5fc3\u6536\u5165\u4ea7\u54c1\uff0c\u6ca1\u6709\u4e00\u4e2a\u6765\u81ea\u9876\u5c42\u7684\u6218\u7565\u89c4\u5212\uff0c\u5168\u90e8\u90fd\u662f\u4ece\u8fd9\u79cd\u5185\u90e8\u8d5b\u9a6c\u548c\u8bd5\u9519\u7684\u6587\u5316\u4e2d\u751f\u957f\u51fa\u6765\u7684\u3002<\/p>\n<p>\u4f46\u8fd9\u4e5f\u5e26\u6765\u4e86\u5de8\u5927\u7684\u4ee3\u4ef7\u3002\u5728\u8fd9 11 \u5e74\u91cc\uff0cRevolut \u81f3\u5c11\u7ecf\u5386\u4e86\u4e09\u6b21\u5173\u4e4e\u751f\u6b7b\u5b58\u4ea1\u7684\u8003\u9a8c\u3002<\/p>\n<p>\u7b2c\u4e00\u6b21\u8003\u9a8c\uff0c\u6765\u81ea\u4fe1\u4efb\u3002<\/p>\n<p>2016 \u5e74\uff0c\u516c\u53f8\u9700\u8981\u66f4\u591a\u8d44\u91d1\u8fdb\u884c\u6269\u5f20\uff0c\u4f46\u4f20\u7edf\u7684\u878d\u8d44\u6e20\u9053\u5e76\u4e0d\u987a\u7545\u3002\u65af\u6258\u9f99\u65af\u57fa\u63d0\u51fa\u4e86\u4e00\u4e2a\u5927\u80c6\u7684\u60f3\u6cd5\uff1a\u901a\u8fc7\u4f17\u7b79\u5e73\u53f0 Crowdcube \u5411\u516c\u4f17\u52df\u8d44\u3002\u8fd9\u5728\u5f53\u65f6\u662f\u4e00\u4e2a\u975e\u5e38\u89c4\u7684\u4e3e\u52a8\uff0c\u5f88\u591a\u6295\u8d44\u4eba\u90fd\u8868\u793a\u53cd\u5bf9\u3002<\/p>\n<p>\u4f46 Balderton \u5374\u529b\u6392\u4f17\u8bae\uff0c\u652f\u6301\u4e86\u8fd9\u4e2a\u51b3\u5b9a\u3002\u4ed6\u4eec\u8ba4\u4e3a\uff0c\u8fd9\u4e0d\u4ec5\u80fd\u89e3\u51b3\u8d44\u91d1\u95ee\u9898\uff0c\u66f4\u662f\u4e00\u6b21\u7edd\u4f73\u7684\u5e02\u573a\u8425\u9500\uff0c\u53ef\u4ee5\u68c0\u9a8c\u516c\u4f17\u5bf9 Revolut \u7684\u4fe1\u4efb\u5ea6\u3002\u6700\u7ec8\uff0c433 \u4e2a\u666e\u901a\u4eba\u53c2\u4e0e\u4e86\u8fd9\u6b21\u4f17\u7b79\uff0c\u5e73\u5747\u6bcf\u4eba\u6295\u8d44\u4e86\u7ea6 2152 \u82f1\u9551\u3002\u4ed6\u4eec\u76f8\u4fe1 Revolut \u7684\u613f\u666f\uff0c\u7528\u771f\u91d1\u767d\u94f6\u4e3a\u8fd9\u4e2a\u521d\u521b\u516c\u53f8\u6295\u4e86\u7968\u3002<\/p>\n<p>\u800c\u73b0\u5728\uff0c\u8fd9\u4e9b\u65e9\u671f\u7684\u652f\u6301\u8005\u4e5f\u83b7\u5f97\u4e86\u60ca\u4eba\u7684\u56de\u62a5\u3002\u5f53\u521d\u4e00\u53f0 iPhone \u7684\u4ef7\u683c\uff0c\u5728 10 \u5e74\u540e\uff0c\u53d8\u6210\u4e86\u4f26\u6566\u90ca\u533a\u4e00\u5957\u623f\u5b50\u7684\u9996\u4ed8\u3002\u5f53\u521d 2152 \u82f1\u9551\u7684\u6295\u8d44\uff0c\u4ef7\u503c\u8d85\u8fc7\u4e86 38 \u4e07\u82f1\u9551\uff0c\u56de\u62a5\u8d85\u8fc7 170 \u500d\u3002<\/p>\n<p>\u7b2c\u4e8c\u6b21\u8003\u9a8c\uff0c\u6765\u81ea\u6587\u5316\u3002<\/p>\n<p>2019 \u5e74 2 \u6708\uff0c\u82f1\u56fd\u300a\u8fde\u7ebf\u300b\u6742\u5fd7\u53d1\u8868\u4e86\u4e00\u7bc7\u91cd\u78c5\u62a5\u9053\uff0c\u63ed\u9732 Revolut \u7684\u4f01\u4e1a\u6587\u5316\u6709\u4e25\u91cd\u7684\u95ee\u9898\u3002\u62a5\u9053\u6307\u8d23\u516c\u53f8\u4e3a\u4e86\u589e\u957f\u4e0d\u62e9\u624b\u6bb5\uff0c\u75af\u72c2\u538b\u69a8\u5458\u5de5\uff0c\u5bfc\u81f4\u4e86\u6781\u9ad8\u7684\u5458\u5de5\u79bb\u804c\u7387\u3002\u4e00\u65f6\u95f4\uff0c\u516c\u53f8\u9677\u5165\u4e86\u5de8\u5927\u7684\u8206\u8bba\u5371\u673a\u3002<\/p>\n<p>\u6b64\u65f6\u7684 Revolut \u6b63\u5904\u4e8e\u9ad8\u901f\u589e\u957f\u671f\u30022019 \u5e74\uff0c\u516c\u53f8\u7528\u6237\u6570\u7a81\u7834 1000 \u4e07\uff0c\u5e76\u5f00\u59cb\u5411\u6fb3\u5927\u5229\u4e9a\u548c\u65b0\u52a0\u5761\u6269\u5f20\u3002\u4f46\u8fd9\u6b21\u5371\u673a\u7684\u7206\u53d1\uff0c\u8ba9\u516c\u53f8\u7684\u58f0\u8a89\u906d\u53d7\u91cd\u521b\u3002<\/p>\n<p>\u4f5c\u4e3a\u8463\u4e8b\u4f1a\u6210\u5458\uff0c\u90a6\u5ef7\u7b2c\u4e00\u65f6\u95f4\u4e0e\u65af\u6258\u9f99\u65af\u57fa\u8fdb\u884c\u4e86\u6df1\u5165\u6c9f\u901a\u3002\u4ed6\u5206\u4eab\u4e86\u81ea\u5df1\u5f53\u5e74\u5728\u9ad8\u76db\u7ba1\u7406\u6570\u5343\u4eba\u56e2\u961f\u7684\u7ecf\u9a8c\uff0c\u5e2e\u52a9\u65af\u6258\u9f99\u65af\u57fa\u610f\u8bc6\u5230\uff0c\u516c\u53f8\u53d1\u5c55\u5230\u4e00\u5b9a\u9636\u6bb5\uff0c\u5fc5\u987b\u5efa\u7acb\u66f4\u6210\u719f\u3001\u66f4\u4eba\u6027\u5316\u7684\u7ba1\u7406\u4f53\u7cfb\u3002\u5728 Balderton \u7684\u5e2e\u52a9\u4e0b\uff0cRevolut \u5f15\u5165\u4e86\u66f4\u6709\u7ecf\u9a8c\u7684\u7ba1\u7406\u8005\uff0c\u5f00\u59cb\u7cfb\u7edf\u6027\u5730\u6539\u5584\u4f01\u4e1a\u6587\u5316\u3002<\/p>\n<p>\u7b2c\u4e09\u6b21\u8003\u9a8c\uff0c\u6765\u81ea\u5408\u89c4\u3002<\/p>\n<p>\u4ece 2021 \u5e74\u5f00\u59cb\uff0cRevolut \u5411\u82f1\u56fd\u91d1\u878d\u884c\u4e3a\u76d1\u7ba1\u5c40\uff08FCA\uff09\u7533\u8bf7\u94f6\u884c\u724c\u7167\uff0c\u4f46\u6574\u6574\u4e09\u5e74\u90fd\u6ca1\u6709\u83b7\u6279\u3002\u76d1\u7ba1\u673a\u6784\u5bf9\u5176\u53cd\u6d17\u94b1\u7cfb\u7edf\u548c\u516c\u53f8\u6cbb\u7406\u63d0\u51fa\u4e86\u4e25\u91cd\u8d28\u7591\u3002\u8fd9\u5bf9\u4e8e\u4e00\u5bb6\u91d1\u878d\u79d1\u6280\u516c\u53f8\u6765\u8bf4\u662f\u81f4\u547d\u7684\u6253\u51fb\u3002<\/p>\n<p>\u5728\u7b49\u5f85\u82f1\u56fd\u724c\u7167\u7684\u540c\u65f6\uff0cRevolut \u5e76\u6ca1\u6709\u505c\u4e0b\u6269\u5f20\u7684\u6b65\u4f10\u30022020 \u5e74\uff0c\u516c\u53f8\u5b8c\u6210\u4e86 5.8 \u4ebf\u7f8e\u5143\u7684 Series D \u878d\u8d44\uff0c\u7528\u6237\u6570\u8fbe\u5230 1450 \u4e07\uff0c\u5e76\u8fdb\u5165\u4e86\u7f8e\u56fd\u548c\u65e5\u672c\u5e02\u573a\u30022021 \u5e74\uff0c\u516c\u53f8\u53c8\u5b8c\u6210\u4e86 8 \u4ebf\u7f8e\u5143\u7684 Series E \u878d\u8d44\uff0c\u4f30\u503c\u8fbe\u5230 330 \u4ebf\u7f8e\u5143\u3002\u5230 2022 \u5e74\uff0c\u7528\u6237\u6570\u5df2\u7ecf\u589e\u957f\u5230 2600 \u4e07\u3002<\/p>\n<p>\u5173\u952e\u65f6\u523b\uff0c\u53c8\u662f\u90a6\u5ef7\u52a8\u7528\u4e86\u81ea\u5df1\u7684\u884c\u4e1a\u7f51\u7edc\u3002\u4ed6\u4eb2\u81ea\u51fa\u9762\uff0c\u9080\u8bf7\u4e86\u82f1\u56fd\u6295\u8d44\u754c\u6cf0\u6597\u3001\u5b89\u672c\u6807\u51c6\u6295\u8d44\u516c\u53f8\u8463\u4e8b\u957f\u9a6c\u4e01\u00b7\u5409\u5c14\u4f2f\u7279\uff08Martin Gilbert\uff09\u51fa\u4efb Revolut \u7684\u8463\u4e8b\u957f\u3002\u8fd9\u4e00\u4e3e\u52a8\uff0c\u6781\u5927\u5730\u589e\u5f3a\u4e86\u76d1\u7ba1\u673a\u6784\u5bf9 Revolut \u7684\u4fe1\u4efb\u30022024 \u5e74 7 \u6708\uff0cRevolut \u7ec8\u4e8e\u83b7\u5f97\u4e86\u5b9d\u8d35\u7684\u82f1\u56fd\u94f6\u884c\u724c\u7167\u3002<\/p>\n<p>\u83b7\u5f97\u82f1\u56fd\u724c\u7167\u7684\u540c\u65f6\uff0cRevolut \u4e5f\u4ea4\u51fa\u4e86\u4e00\u4efd\u4eae\u773c\u7684\u6210\u7ee9\u5355\u30022024 \u5e74\uff0c\u516c\u53f8\u7528\u6237\u6570\u7a81\u7834 5000 \u4e07\uff0c\u5e74\u6536\u5165\u8fbe\u5230 40 \u4ebf\u7f8e\u5143\uff0c\u589e\u957f 72%\uff0c\u5e74\u5229\u6da6\u9996\u6b21\u7a81\u7834 10 \u4ebf\u7f8e\u5143\uff0c\u5904\u7406\u7684\u5ba2\u6237\u4ea4\u6613\u603b\u989d\u8d85\u8fc7 1 \u4e07\u4ebf\u7f8e\u5143\u3002\u516c\u53f8\u6210\u4e3a 19 \u4e2a\u56fd\u5bb6\u4e0b\u8f7d\u91cf\u6700\u9ad8\u7684\u91d1\u878d\u5e94\u7528\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/static.aicoin.com\/attachment\/article\/20260126\/176943242481315.jpg\" title=\"\u6240\u6709\u7684\u8d22\u5bcc\u795e\u8bdd\uff0c\u90fd\u662f\u975e\u5171\u8bc6\u4e0e\u65f6\u95f4\u590d\u5229\u7684\u5408\u8c0b &#8211;\u63d2\u56fe3\" alt=\"\u6240\u6709\u7684\u8d22\u5bcc\u795e\u8bdd\uff0c\u90fd\u662f\u975e\u5171\u8bc6\u4e0e\u65f6\u95f4\u590d\u5229\u7684\u5408\u8c0b &#8211;\u63d2\u56fe3\" \/><\/p>\n<p>\u5728\u8fd9 11 \u5e74\u7684\u98ce\u96e8\u517c\u7a0b\u4e2d\uff0cBalderton Capital \u59cb\u7ec8\u575a\u5b9a\u5730\u7ad9\u5728 Revolut \u7684\u8eab\u540e\u3002\u90a6\u5ef7\u4e00\u76f4\u62c5\u4efb Revolut \u7684\u8463\u4e8b\u4f1a\u6210\u5458\uff0c\u5728 Revolut \u53d1\u5c55\u7684\u6bcf\u4e00\u4e2a\u5173\u952e\u8282\u70b9\uff0c\u90fd\u63d0\u4f9b\u4e86\u4e0d\u53ef\u6216\u7f3a\u7684\u652f\u6301\uff0c\u5e76\u6301\u7eed\u8ddf\u6295\u4e86\u540e\u7eed\u7684\u6bcf\u4e00\u8f6e\u878d\u8d44\u3002<\/p>\n<h2>\u6b27\u6d32 VC \u7684\u300c\u7f8e\u56fd\u68a6\u300d<\/h2>\n<p>Revolut \u7684\u5c01\u795e\u4e00\u6218\uff0c\u8ba9\u6b64\u524d\u957f\u671f\u9690\u4e8e\u5e55\u540e\u7684 Balderton \u5f7b\u5e95\u8d70\u5230\u4e86\u805a\u5149\u706f\u4e0b\u3002\u8fd9\u5bb6\u4f26\u6566 VC \u6355\u6349\u5947\u8ff9\u7684\u5e95\u5c42\u903b\u8f91\uff0c\u5e76\u975e\u6e90\u4e8e\u5076\u7136\u7684\u8fd0\u6c14\uff0c\u800c\u662f\u6e90\u81ea\u5b83\u4f53\u5185\u6d41\u6dcc\u7740\u7684\u3001\u5c5e\u4e8e\u7845\u8c37\u8c6a\u95e8 Benchmark Capital \u7684\u8840\u8109\u3002<\/p>\n<p>1999 \u5e74\uff0cBenchmark \u7684\u5408\u4f19\u4eba\u4eec\u51b3\u5b9a\u5728\u4f26\u6566\u8bbe\u7acb\u6b27\u6d32\u5206\u652f\u673a\u6784 Benchmark Capital Europe\u3002\u4ed6\u4eec\u4e0d\u4ec5\u5e26\u6765\u4e86\u8d44\u91d1\uff0c\u66f4\u5e26\u6765\u4e86\u4e00\u79cd\u72ec\u7279\u7684\u7ec4\u7ec7\u67b6\u6784\u2014\u2014\u5e73\u7b49\u5408\u4f19\u5236\uff08Equal Partnership\uff09\u3002<\/p>\n<p>\u5728\u4f20\u7edf\u7684 VC \u57fa\u91d1\u91cc\uff0c\u901a\u5e38\u6709\u51e0\u4e2a\u7ba1\u7406\u5408\u4f19\u4eba\uff08General Partner\uff09\u638c\u63e1\u7740\u7edd\u5927\u90e8\u5206\u6743\u529b\u548c\u6536\u76ca\uff0c\u800c\u5176\u4ed6\u5408\u4f19\u4eba\u5219\u5904\u4e8e\u76f8\u5bf9\u6b21\u8981\u7684\u5730\u4f4d\u3002\u8fd9\u79cd\u91d1\u5b57\u5854\u7ed3\u6784\uff0c\u5f88\u5bb9\u6613\u5bfc\u81f4\u5185\u90e8\u7ade\u4e89\u548c\u5229\u76ca\u51b2\u7a81\u3002<\/p>\n<p>\u800c\u5e73\u7b49\u5408\u4f19\u5236\u5219\u5b8c\u5168\u4e0d\u540c\u3002\u5728 Balderton\uff0c\u6240\u6709\u5408\u4f19\u4eba\u5e73\u7b49\u5730\u62e5\u6709\u516c\u53f8\uff0c\u5728\u4efb\u4f55\u51b3\u7b56\u4e2d\u90fd\u62e5\u6709\u540c\u7b49\u7684\u53d1\u8a00\u6743\uff0c\u5e76\u4e14\u6d4e\u56de\u62a5\uff0c\u65e0\u8bba\u662f\u8c01\u627e\u5230\u6216\u4e3b\u5bfc\u4e86\u8fd9\u7b14\u4ea4\u6613\uff0c\u5927\u5bb6\u90fd\u4f1a\u4eab\u53d7\u76f8\u540c\u7684\u7ecf\u6d4e\u56de\u62a5\u3002\u8fd9\u79cd\u5236\u5ea6\uff0c\u786e\u4fdd\u4e86\u6240\u6709\u5408\u4f19\u4eba\u7684\u5229\u76ca\u9ad8\u5ea6\u4e00\u81f4\uff0c\u80fd\u591f\u50cf\u4e00\u7fa4\u72fc\u4e00\u6837\u534f\u540c\u4f5c\u6218\u3002<\/p>\n<p>\u8fd9\u79cd\u5236\u5ea6\u7684\u4f18\u52bf\uff0c\u5728\u6295\u8d44 Revolut \u7684\u8fc7\u7a0b\u4e2d\u4f53\u73b0\u5f97\u6dcb\u6f13\u5c3d\u81f4\u3002<\/p>\n<p>\u9996\u5148\u662f\u66f4\u597d\u7684\u5c3d\u804c\u8c03\u67e5\u3002\u5f53\u90a6\u5ef7\u7b2c\u4e00\u6b21\u89c1\u5230\u65af\u6258\u9f99\u65af\u57fa\u65f6\uff0c\u4ed6\u867d\u7136\u5bf9\u91d1\u878d\u5e02\u573a\u4e86\u5982\u6307\u638c\uff0c\u4f46\u5bf9\u80cc\u540e\u7684\u6280\u672f\u5b9e\u73b0\u5e76\u4e0d\u5b8c\u5168\u4e86\u89e3\u3002\u4e8e\u662f\uff0c\u4ed6\u7acb\u5373\u5f15\u5165\u4e86\u6709\u5de5\u7a0b\u80cc\u666f\u7684\u5408\u4f19\u4eba\u82cf\u5170\u52a0\u00b7\u94b1\u5fb7\u62c9\u8482\u62c9\u514b\uff08Suranga Chandratillake\uff09\u4e00\u8d77\u8bc4\u4f30\u3002\u5408\u4f19\u4eba\u4e4b\u95f4\u6ca1\u6709\u62a2\u529f\u52b3\u7684\u987e\u8651\uff0c\u53ea\u6709\u4e00\u4e2a\u5171\u540c\u7684\u76ee\u6807\uff0c\u90a3\u5c31\u662f\u6295\u51fa\u6700\u597d\u7684\u516c\u53f8\u3002<\/p>\n<p>\u5176\u6b21\uff0c\u56e0\u4e3a\u6240\u6709\u5408\u4f19\u4eba\u7684\u5229\u76ca\u5b8c\u5168\u6346\u7ed1\uff0c\u6240\u4ee5\u4ed6\u4eec\u80fd\u591f\u771f\u6b63\u4ece\u516c\u53f8\u7684\u89d2\u5ea6\u51fa\u53d1\uff0c\u505a\u51fa\u6700\u6709\u5229\u7684\u51b3\u7b56\u3002\u5728 Revolut \u7684\u591a\u6b21\u878d\u8d44\u4e2d\uff0cBalderton \u90fd\u7ed9\u4e88\u4e86\u575a\u5b9a\u7684\u652f\u6301\uff0c\u4ece\u672a\u56e0\u4e3a\u5185\u90e8\u5229\u76ca\u7eb7\u4e89\u800c\u72b9\u8c6b\u3002<\/p>\n<p>\u6700\u540e\u662f\u66f4\u5168\u9762\u7684\u6295\u540e\u652f\u6301\u3002\u521b\u4e1a\u516c\u53f8\u5728\u4e0d\u540c\u9636\u6bb5\u4f1a\u9047\u5230\u4e0d\u540c\u7684\u95ee\u9898\u3002\u5e73\u7b49\u5408\u4f19\u5236\u610f\u5473\u7740\uff0c\u521b\u4e1a\u8005\u53ef\u4ee5\u968f\u65f6\u8c03\u7528\u6574\u4e2a\u5408\u4f19\u4eba\u56e2\u961f\u7684\u8d44\u6e90\u3002<\/p>\n<p>2007 \u5e74\uff0c\u6b27\u6d32\u56e2\u961f\u4ece Benchmark \u72ec\u7acb\u51fa\u6765\uff0c\u6b63\u5f0f\u66f4\u540d\u4e3a Balderton Capital\uff0c\u4ee5\u4ed6\u4eec\u7b2c\u4e00\u4e2a\u529e\u516c\u5ba4\u6240\u5728\u7684\u8857\u9053\u547d\u540d\u3002\u5e73\u7b49\u5408\u4f19\u5236\u8fd9\u4e2a\u6838\u5fc3\u5236\u5ea6\uff0c\u4e5f\u88ab\u5b8c\u6574\u5730\u4fdd\u7559\u4e86\u4e0b\u6765\uff0c\u5e76\u6210\u4e3a Balderton \u5728\u6b27\u6d32 VC \u4e1b\u6797\u4e2d\u8131\u9896\u800c\u51fa\u7684\u5173\u952e\u3002<\/p>\n<p>\u7136\u800c\uff0c\u4e00\u4e2a\u597d\u7684\u5236\u5ea6\uff0c\u5e76\u4e0d\u80fd\u4fdd\u8bc1\u6bcf\u4e00\u7b14\u6295\u8d44\u90fd\u6210\u529f\u3002\u5728\u98ce\u9669\u6295\u8d44\u7684\u4e16\u754c\u91cc\uff0c\u6700\u7ec8\u51b3\u5b9a\u80dc\u8d1f\u7684\uff0c\u53c8\u662f\u4ec0\u4e48\uff1f<\/p>\n<h2>\u5e42\u5f8b\u6cd5\u5219<\/h2>\n<p>\u8fd9\u4e2a\u6cd5\u5219\u7b80\u5355\u6765\u8bf4\uff0c\u5c31\u662f\u4e8c\u516b\u5b9a\u5f8b\u7684\u6781\u7aef\u7248\u672c\u3002<\/p>\n<p>\u5728\u98ce\u9669\u6295\u8d44\u7684\u4e16\u754c\u91cc\uff0c\u5b83\u610f\u5473\u7740\u4e00\u5c0f\u90e8\u5206\u7684\u6295\u8d44\uff0c\u5c06\u8d21\u732e\u6574\u4e2a\u57fa\u91d1\u7edd\u5927\u90e8\u5206\u7684\u56de\u62a5\u3002\u800c\u7edd\u5927\u591a\u6570\u7684\u6295\u8d44\uff0c\u6700\u7ec8\u90fd\u5f52\u4e8e\u5e73\u5eb8\u751a\u81f3\u8840\u672c\u65e0\u5f52\u3002<\/p>\n<p>\u6839\u636e PitchBook \u7684\u6570\u636e\uff0c\u98ce\u9669\u6295\u8d44\u884c\u4e1a\u4e2d\uff0c\u6700\u9876\u5c16\u7684 10% \u7684\u6295\u8d44\uff0c\u8d21\u732e\u4e86\u5168\u884c\u4e1a 60% \u5230 80% \u7684\u56de\u62a5\u3002VC \u7684\u65e5\u5e38\u5de5\u4f5c\uff0c\u5c31\u662f\u5728\u65e0\u6570\u4e2a\u770b\u4f3c\u4e0d\u9760\u8c31\u7684\u9879\u76ee\u4e2d\uff0c\u53bb\u5bfb\u627e\u90a3 1% \u7684\u53ef\u80fd\u6027\u3002\u4ed6\u4eec\u9700\u8981\u5e7f\u6492\u7f51\uff0c\u4f46\u66f4\u9700\u8981\u5728\u5173\u952e\u65f6\u523b\uff0c\u5bf9\u6781\u5c11\u6570\u6709\u6f5c\u529b\u6210\u4e3a\u8d85\u7ea7\u8d62\u5bb6\u7684\u9879\u76ee\u4e0b\u91cd\u6ce8\u3002<\/p>\n<p>\u5728 Balderton Capital 25 \u5e74\u7684\u5386\u53f2\u4e2d\uff0c\u5b83\u6295\u8d44\u4e86\u8d85\u8fc7 275 \u5bb6\u516c\u53f8\uff0c\u4e5f\u6295\u51fa\u4e86 Darktrace\u3001Depop\u3001GoCardless \u7b49\u4e00\u6279\u660e\u661f\u4f01\u4e1a\u3002\u5982\u679c\u6ca1\u6709 Revolut\uff0cBalderton \u6216\u8bb8\u4ecd\u7136\u662f\u4e00\u5bb6\u4f18\u79c0\u7684\u6b27\u6d32 VC\uff0c\u4f46\u7edd\u4e0d\u4f1a\u662f\u4eca\u5929\u7684\u4f20\u5947\u3002<\/p>\n<p>\u8fd9\u4e5f\u51b3\u5b9a\u4e86\u98ce\u9669\u6295\u8d44\u7684\u672c\u8d28\u662f\u4e00\u573a\u5173\u4e8e\u975e\u5171\u8bc6\u7684\u535a\u5f08\u3002\u5982\u679c\u4e00\u4e2a\u9879\u76ee\u7684\u524d\u666f\u5df2\u7ecf\u6210\u4e3a\u6240\u6709\u4eba\u7684\u5171\u8bc6\uff0c\u90a3\u4e48\u5b83\u7684\u4f30\u503c\u4e5f\u5fc5\u7136\u6c34\u6da8\u8239\u9ad8\uff0c\u672a\u6765\u7684\u56de\u62a5\u7a7a\u95f4\u4e5f\u5c31\u6781\u5176\u6709\u9650\u3002\u53ea\u6709\u90a3\u4e9b\u5728\u65e9\u671f\u4e0d\u88ab\u770b\u597d\u3001\u5145\u6ee1\u4e89\u8bae\u7684\u975e\u5171\u8bc6\u9879\u76ee\uff0c\u624d\u6709\u53ef\u80fd\u5e26\u6765\u98a0\u8986\u6027\u7684\u8d85\u989d\u56de\u62a5\u3002<\/p>\n<p>\u5bf9\u4e8e\u98ce\u9669\u6295\u8d44\u6765\u8bf4\uff0c\u6210\u529f\u4e0d\u662f\u547d\u4e2d\u7387\u7684\u95ee\u9898\uff0c\u800c\u662f\u56de\u62a5\u91cf\u7ea7\u7684\u95ee\u9898\u3002\u6295\u9519\u4e5d\u4e2a\u9879\u76ee\u4e0d\u8981\u7d27\uff0c\u53ea\u8981\u6295\u4e2d\u4e00\u4e2a\u80fd\u7ffb 1000 \u500d\u7684\uff0c\u5c31\u8db3\u4ee5\u529f\u6210\u540d\u5c31\u3002\u8fd9\u542c\u8d77\u6765\u50cf\u662f\u8d4c\u535a\uff0c\u4f46\u9876\u7ea7\u7684 VC\uff0c\u4f1a\u7528\u4e00\u5957\u4e25\u8c28\u7684\u54f2\u5b66\u548c\u7eaa\u5f8b\uff0c\u6765\u63d0\u9ad8\u8d4c\u8d62\u7684\u6982\u7387\u3002<\/p>\n<p>\u90a3\u4e48\uff0c\u8fd9\u4e2a 1400 \u500d\u56de\u62a5\u7684\u5947\u8ff9\u80cc\u540e\uff0c\u662f\u5426\u5b58\u5728\u4e00\u4e2a\u53ef\u4ee5\u590d\u5236\u7684\u516c\u5f0f\uff1f<\/p>\n<h2>\u5343\u500d\u56de\u62a5\u7684\u516c\u5f0f<\/h2>\n<p>\u8d85\u989d\u56de\u62a5 = (\u975e\u5171\u8bc6\u7684\u521b\u59cb\u4eba x \u7ed3\u6784\u6027\u7684\u65f6\u4ee3\u673a\u9047) ^ 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