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成立不足三年,数字银行Revolut首次实现收支平衡

去年12月,金融科技公司Revolut首次实现了收支平衡。

据了解,Revolut数字银行在过去12个月里的月交易总量增加了700%,达到15亿美元(约合11亿英镑)。而用户总量也实现了大跨越,过去两个月平台用户总量已经从100万增加到了150万,每日新增用户数高达6000到8000人次。

然而,Revolut创始人Nikolay Storonsky表示,平台目前优先考虑的仍然是扩张而非盈利。

该公司于2015年在伦敦成立,目前已经计划登陆美国、新加坡和澳大利亚市场,同时也在评估入驻印度、巴西、南非和阿联酋等国的可能。

通过Revolut应用程序,用户可以在短短60秒内就创建出一个账户。借助这个账户,用户不仅可以接收即时支出分析,同时也能持有或与交易所进行多达25种货币的交易,享受免手续费的国际汇款。此外,平台最近还推出了地理定位旅游保险、即时贷款和加密货币交易产品。

自推出以来,Revolut已从Index Ventures和Ribbit Capital等投资者手中获得了9000万美元的资金。

Fintech firm Revolut broke even for the first time in December, after rapidly growing customer numbers and launching new products.

The challenger bank has increased its monthly transaction volume by more than 700 per cent over the last 12 months, to $1.5bn (£1.1bn).

However, Revolut’s founder Nikolay Storonsky said that expansion, rather than profitability, was the current priority.

“Instead of becoming a bank from day one, we chose to focus our time and resources on product development and customer acquisition,” he said.

“This strategy is clearly paying off as we are have now firmly positioned ourselves as the market leader in Europe and soon the world.”

Revolut, which has seen its customer numbers expand from one million to 1.5m in the past two months, said it is now signing between 6,000 and 8,000 new customers per day.

The firm was founded in London in 2015, and its app is "almost ready to go" in the US, Singapore and Australia. Revolut is also sounding out India, Brazil, South Africa and the UAE.

The app allows customers to set up an account in 60 seconds, receive instant spending analytics, hold and exchange 25 currencies with the real exchange and send free international money transfers. Its more recent features include geolocation travel insurance, instant credit and a cryptocurrency buy and sell offering.

Since its launch, Revolut has raised $90m from investors including Index Ventures and Ribbit Capital.


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