菲律宾第一个数字化新银行Tonik筹集了12M元, 以扩大其AI驱动的贷款业务。 Tonik, the Philippines' first digital-only neobank, raised $12M to expand its AI-driven lending operations.

菲律宾首家拥有全额银行许可证的数字化新银行Tonik在Diligent Capital Partners领导的C轮预期融资中筹集了1200万美元, Tonik, the Philippines' first digital-only neobank with a full banking license, has raised $12 million in a Pre-Series C round led by Diligent Capital Partners to expand its capital-efficient lending operations. 该公司盈利3年,其贷款组合增至8 300万美元,年化收入超过4 000万美元,风险调整后回报率超过25%,利润率提高。 The company, profitable for three years, has grown its loan portfolio to $83 million and annualized revenue to over $40 million, achieving risk-adjusted returns above 25% and improving margins. 由400个雇主和500个零售伙伴组成的独立承保、自动化流程和网络使实时借贷和稳定的风险管理成为可能。 AI-powered underwriting, automated processes, and a network of 400 employers and 500 retail partners enable real-time lending and stable risk management. Tonik的目标是到2026年年中实现现金流量平衡,并计划在今后二至三年内扩大10倍,同时保持负责任的借贷做法。 Tonik aims for cash-flow breakeven by mid-2026 and plans to scale 10 times over the next two to three years while maintaining responsible lending practices.