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

澳洲金融科技创企Xinja获限制性银行牌照

本周,澳大利亚新兴银行Xinja宣布获得澳大利亚审慎管理局颁发的限制性银行牌照。

Xinja由一位前NAB高管发起并建立,主要通过移动应用程序和感应式预付卡提供金融服务,目前已经有大约2.2万人注册了该公司的服务。通过这一平台,用户可以跟踪自己的日常开支,与朋友分摊费用或账单,并进行账户充值。

自成立以来,Xinja已经累计完成1700多万美元的A轮和B轮融资,其中包括来自1200名散户投资者的270万美元股权众筹投资。

据悉,Xinja计划在2019年1月进行第二次众筹,计划融资目标500万美元,为期总额1000-2000万美元的第三轮融资做准备。

 

Budding Australian neobank Xinja has been granted a restricted banking licence by the country Prudential Regulatory Authority.

Launched by a former NAB executive, the aspirant challenger says 22,000 people have so far signed up for its app and tap-and-go prepaid card.

The restricted licence means Xinja can hold up to $2 million in deposits of less than  $250,000 each. Banking authority Apra also imposes strict rules around Xinja’s tier one capital, assets  and liabilities, and the assets it holds on its balance sheet.

The company, one a clutch of digital banking startups seeking to usurp Australia's incumbent banks, has so far raised over $17 million in Series A and Series B capital raisings,  including $2.7 million from 1,200 retail investors in Australia's first equity crowdfund. It is currently preparing for a second crowdfund in  January 2019 in a bid to raise a further $5 million from individual investors, contributing to a target range of between $10-$20 million for its third capital raise.

The Xinja app lets people track their daily spend, split costs or bills with friends  and top up their account instantly. The card can be frozen with a swipe, users can  check their balance from outside the app, and access customer service via chat.

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