IBraai iTsala uMdla oMkhulu we-VC njengeNkqubo yokuSebenza yeMali ePhambili kuQoqosho lweNdawo
Iguquka kwiintengiso zentlalo ezingazinzanga, iBraai ivela njengomzila weSaaS odityaniswe ngokuthe nkqo oqhuba ukuthathwa kwamaziko, ucalulo olungqongqo lweBaaS olunemigangatho emi-6, kunye norhwebo lokuqala olungaxhunywanga kwi-intanethi lweP2P olukufutshane.
EPRETORIA, SA — IBraai (Pty) Ltd, exhaswa yimbali yamashumi amathathu eminyaka yeBuzzGrowth (Pty) Ltd, iHotgroup CC, kunye neKampvuur Safaris (Pty) Ltd, ithimba ngokukhawuleza ingqalelo yeTier-1 FinTech Venture Capital, iPrivate Equity, kunye neEmerging Market Impact Funds. Awunakwakha imveliso eyenzelwe ukuvala umsantsa phakathi kwehlabathi ledijithali nelibonakalayo ngaphandle kokuqonda ngokunzulu ihlabathi elibonakalayo. IKampvuur Safaris isebenza njengendawo esisiseko ebonakalayo apho umbono weBraai wavela khona—ukufaka umoya wokwenene wokuhlanganisana ujikeleze umlilo wokwenene ngokuthe ngqo kwi-DNA yeqonga.
Ukuya ngaphaya kweenethiwekhi zentlalo zakudala, iBraai iyile umzila weshishini weSaaS ogcina kakhulu kunye ne-Ambient Life Engine. Isebenza njengenkqubo yendalo yedijithali edityaniswe ngokuthe nkqo, isebenza njengencwadi yemali esisiseko kunye nomaleko wolungelelwaniso lwezoqoqosho oluncinci lwasekhaya.
Ukuhlangana kwe-O2O kunye nokuThathwa kwamaZiko
Ngelixa imarike igcwele iiprotokholi zemiyalezo ezizimeleyo kunye neebhanki ezintsha, ishishini ngokwembali liye lasilela ukufezekisa ukuhlangana kokwenene kweSuper-App ngenxa yokuqhekeka okugqithisileyo kwemarike kunye neendleko zokufumana abathengi ezingasebenziyo (CAC). IBraai iyawuphepha lo mqobo wesakhiwo ngokuthathwa kwamaziko okungqongqo kwe-B2B2C.
IBraai ayibandakanyeki ekufumaneni i-B2C esasazekileyo, enokungqubana okukhulu. Kunoko, iqonga lifaka kwidijithali imizimba yonke esebenzayo—iMibutho yoLuntu neyaBamelwane, amaZiko aMakhulu, iiNethiwekhi ze-B2B zeNgcali, kunye namaQela oGcinomali oluNcinci (Stokvels). Ngokudlulisela isantya sabo semali esele sikho kunye nokulawula ukuhamba komsebenzi kwimekobume yethu yencwadi yemali, iBraai ifezekisa ukwamkelwa kwenkqubo yendalo kwangoko, ngaxeshanye namazinga okugcina aphezulu ngokwejometri.
AbaQhubi abaPhambili beSantya
Imibhobho yokwenza imali yeBraai iqhutywa kukungqina okukhulu kwentengiselwano ngokusebenzisa:
- Urhwebo oluSekwe kuKusondela: Ukusebenzisa ulwakhiwo lweP2P Mesh lobunini ukulungiselela ukuhlaliswa kwabantu abaninzi, kwindawo enye phakathi kweendawo eziqinisekisiweyo.
- Nondyebo kunye noGcinomali oluNcinci: Ukufakwa kwidijithali kwezithuthi ezingekho sikweni zogcinomali oluncinci kunye nolawulo lukamondyebo woluntu ngokuthe ngqo kwinkqubo yendalo yencwadi yemali.
- Ukuhanjiswa kwaMaxesha onke: Ukusetyenzwa kwezinto eziluncedo zemihla ngemihla kunye nokuhanjiswa kwemali ye-B2B/B2C ngokukhupha amakhadi e-"Braai Embers" abonakalayo nokoqobo, kusetyenziswa ithokhinayizeshini kunye nokubonelela ngokutyhala ukuze kufumaneke isipaji sedijithali ngoko nangoko.
Ukwahlulwa okungqongqo koLwakhiwo kunye nokuThotyelwa kweMigaqo
Ukunciphisa ukuba sesichengeni solawulo kunye nokuqinisekisa ukuthotyelwa kwemigaqo, ulwakhiwo lweBraai lwahlulwe ngokungqongqo kumanqanaba okusebenza awohlukeneyo. IBraai ngokucacileyo ayibambi tyala lemali yabathengi kwiphepha layo lentsalela. Isebenza njengoMboneleli weNtlawulo woMntu weSithathu (TPPP), inkampani ilawula ngokukodwa aMava oMsebenzisi (CX) kunye noLungelelwaniso lweNcwadi yeMali neSipaji (Ember Core) ngokwemveli. Yonke imali efumanekayo igcinwa kwi-escrow, ixhomekeke kumaqabane amaziko anelayisensi kunye nabaxhasi be-Tier-1 BIN ukulungiselela ukusetyenzwa okunyukayo, ukuthembela okukhuselweyo, kunye nokukhutshwa kwamakhadi.
I-KYC eLungelelaniswe kuMhlaba wonke kunye noKhuseleko loFihlo-lwazi
IBraai inyanzelisa iiprotokholi ezingqongqo zamazwe ngamazwe ze-AML/KYC. Ngokubhalisa njengeZiko eliPhendulayo, iqonga lisebenzisa iitshekhi zobomi be-biometric ye-algorithmic kunye nokuQinisekiswa kweSazisi ngobuchwepheshe (eIDV) okujongwe kwiinkcukacha zikarhulumente zolawulo. Onke amaxwebhu esazisi akhuselwe kwi-Cryptographic Vault yobunini, eqinisekisa isakhiwo samanqanaba asekwe kumngcipheko alungelelaniswe neyona migangatho iphezulu yolawulo lwehlabathi.
Ngolwakhiwo lwayo oludityanisiweyo lwe-monolithic, uxolelwaniso lwencwadi yemali oluzenzekelayo, kunye nemingxuma yezoqoqosho ekhuseleke ngokunzulu, iBraai imele utsibo olulandelayo lwendaleko: ukuhlangana kokusetyenziswa okunzulu kwendawo kunye nesikali se-FinTech yebakala leshishini.