最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务投融资

简化全球货币兑换流程,iBanFirst获1700万美元融资

国际资讯基于互联网平台的金融业务投融资

简化全球货币兑换流程,iBanFirst获1700万美元融资

近日,法国金融创企iBanFirst获得了1700万美元(1500万欧元)融资,由Serena Capital、Breega Capital和Xavier Niel领投。

iBanFirst解决了一个非常特殊的问题。如果你经营的公司与世界各地的供应商合作,你很可能会浪费大量的钱来进行货币交易。iBanFirst希望能使货币兑换变得像把钱从储蓄账户转到经常账户一样方便。

首先,把钱从你的公司银行账户转到你的iBanFirst账户。然后你就可以兑换和持有28种货币。iBanFirst会向你说明银行间的汇率以及你需支付的手续费。相比于使用传统的银行账户,你所需支付的费用可能会更少。

有着100名员工和2000名客户的iBanFirst,将目光锁定在了那些转账量每年至少十万欧元的客户身上。iBanFirst的创始人兼首席执行官Pierre-Antoine Dusoulier表示,他们已经完成了5000万欧元的转账记录。

在此之后,你可以把钱寄给客户、供应商、合作伙伴等等。这样看起来就像是当地转账一样,从而节省手续费。

虽然许多公司都已经做到了,但iBanFirst却依旧领先一步,它能给你提供每种货币的银行信息。只要你是iBanFirst的客户,就可以使用一个土耳其的国际银行账户号码(IBAN),一个美国账号或者中国的银行信息。这样一来就能更容易地从所有的客户那里得到报酬。

iBanFirst正在通过客户的法国IBAN做一些特别的事情。Dusoulier表示,他们发现一些IBAN到处都有信件。在联系环球银行金融电信协会后,协会表示只要10个字符,他们就能添加任何iBanFirst想要的东西。

iBanFirst利用这一点为IBAN创建了一种域名。客户可以按需将其公司名加入在其银行信息中。

iBanFirst希望增加更多货币种类,并推出更多的新功能。由于即将出台的欧洲法规,用户将可以从iBanFirst界面跳转到其常规的公司账户来进行转账。这比先将钱转到iBanFirst再使用要简单多了。

French startup iBanFirst is raising another $17 million (€15 million) from Serena Capital and Breega Capital, with existing investor Xavier Niel putting in more money, as well.

iBanFirst  solves a very specific problem. If you operate a company that works with suppliers all over the world, chances are you waste a ton of money exchanging and sending money. iBanFirst wants to make currency conversion as easy as transferring money from your savings account to your current account.

You first send money from your corporate bank account to your iBanFirst account. You can then convert and hold money in 28 currencies. iBanFirst shows you the interbank exchange rate and how many fees you’ll pay. But you’ll likely pay way less than using your traditional bank account.

With 100 employees and 2,000 clients, iBanFirst now focuses on clients who transfer at least €100,000 per year. “We’ve already done a €50 million transfer,” iBanFirst founder and CEO Pierre-Antoine Dusoulier told me.

After that, you can send money to a client, a supplier, a partner, etc. It’ll look like a local transfer and you’ll save money on fees.

Many companies already do that. But iBanFirst goes one step further by giving you banking information for each currency. If you’re an iBanFirst customer, you can share a Turkish IBAN, an American account number or Chinese banking details. It’s easier to get paid from all your clients.

With your French IBAN, the startup is doing something special. “We realized that some IBANs had a letter here and there,” Dusoulier said. “We called SWIFT, and they told us that we could put whatever we wanted for 10 characters.”

iBanFirst took advantage of that to create a sort of domain names for IBANs. If you want, you can put your company name in your banking information.

The company wants to add more currencies and more features. Thanks to the upcoming European regulation, you could imagine connecting to your regular corporate account from the iBanFirst interface to initiate a transfer. That would be much more straightforward than transferring money to iBanFirst before using it.

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