{"id":49610,"date":"2024-05-19T23:56:00","date_gmt":"2024-05-19T15:56:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=49610"},"modified":"2025-05-16T23:19:29","modified_gmt":"2025-05-16T15:19:29","slug":"nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/","title":{"rendered":"\u5df4\u83f2\u7279\u6301\u6709\u7684Nubank\u5982\u4f55\u8cfa\u9322\uff1f\u512a\u52e2\u70ba\u4f55\uff1f"},"content":{"rendered":"\n<p>\u6211\u5728\u6211\u7684\u300a<a href=\"https:\/\/www.books.com.tw\/products\/0010935641?sloc=main\" target=\"_blank\" rel=\"noreferrer noopener\">10\u500d\u80a1\u6cd5\u5247<\/a>\u300b\u4e00\u66f8\uff0c1-3\u5c0f\u7bc0\u5c31\u63d0\u904e\u9019\u5bb6\u5df4\u83f2\u7279\u6240\u6295\u8cc7\u7684\u516c\u53f8<a href=\"https:\/\/en.wikipedia.org\/wiki\/Nubank\" target=\"_blank\" rel=\"noreferrer noopener\">Nubank\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aNU\uff09<\/a>\u3002<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u986f\u793a\/\u96b1\u85cf\u5167\u5bb9\u76ee\u9304\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ffffff;color:#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ffffff;color:#ffffff\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E5%85%AC%E5%8F%B8%E7%B0%A1%E4%BB%8B\" >\u516c\u53f8\u7c21\u4ecb<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E5%85%AC%E5%8F%B8%E7%9A%84%E5%89%B5%E7%AB%8B\" >\u516c\u53f8\u7684\u5275\u7acb<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E6%AD%A3%E5%BC%8F%E5%89%B5%E7%AB%8B\" >\u6b63\u5f0f\u5275\u7acb<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E6%88%90%E9%95%B7%E6%95%85%E4%BA%8B\" >\u6210\u9577\u6545\u4e8b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E6%88%90%E7%82%BA%E6%8B%89%E4%B8%81%E7%BE%8E%E6%B4%B2%E6%9C%80%E5%A4%A7%E9%87%91%E8%9E%8D%E7%A7%91%E6%8A%80%E7%8D%A8%E8%A7%92%E7%8D%B8\" >\u6210\u70ba\u62c9\u4e01\u7f8e\u6d32\u6700\u5927\u91d1\u878d\u79d1\u6280\u7368\u89d2\u7378<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E9%A6%96%E6%AC%A1%E5%85%AC%E9%96%8B%E7%99%BC%E8%A1%8C\" >\u9996\u6b21\u516c\u958b\u767c\u884c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#NuBank%E4%B8%BB%E8%A6%81%E6%A5%AD%E5%8B%99%E4%BB%8B%E7%B4%B9\" >NuBank\u4e3b\u8981\u696d\u52d9\u4ecb\u7d39<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E6%95%B8%E4%BD%8D%E5%B8%B3%E6%88%B6\" >\u6578\u4f4d\u5e33\u6236<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E9%99%84%E5%8A%A0%E6%9C%8D%E5%8B%99\" >\u9644\u52a0\u670d\u52d9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E4%BF%A1%E7%94%A8%E5%8D%A1\" >\u4fe1\u7528\u5361<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E8%99%9B%E6%93%AC%E4%BF%A1%E7%94%A8%E5%8D%A1\" >\u865b\u64ec\u4fe1\u7528\u5361<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E5%8A%A0%E5%AF%86%E8%B2%A8%E5%B9%A3\" >\u52a0\u5bc6\u8ca8\u5e63<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E6%88%90%E5%8A%9F%E7%9A%84%E9%97%9C%E9%8D%B5\" >\u6210\u529f\u7684\u95dc\u9375<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E7%8D%B2%E5%AE%A2%E5%B9%BE%E4%B9%8E%E6%B2%92%E6%9C%89%E6%88%90%E6%9C%AC\" >\u7372\u5ba2\u5e7e\u4e4e\u6c92\u6709\u6210\u672c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E8%99%9B%E6%93%AC%E4%BF%A1%E7%94%A8%E5%8D%A1-2\" >\u865b\u64ec\u4fe1\u7528\u5361<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E9%A1%9B%E8%A6%86%E8%90%BD%E5%BE%8C%E7%9A%84%E5%B7%B4%E8%A5%BF%E9%8A%80%E8%A1%8C%E6%A5%AD\" >\u985b\u8986\u843d\u5f8c\u7684\u5df4\u897f\u9280\u884c\u696d<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E7%87%9F%E9%81%8B%E7%8B%80%E6%B3%81\" >\u71df\u904b\u72c0\u6cc1<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E6%97%A9%E6%9C%9F%E7%9A%84%E7%87%9F%E9%81%8B%E6%83%85%E5%BD%A2\" >\u65e9\u671f\u7684\u71df\u904b\u60c5\u5f62<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E6%9C%80%E8%BF%91%E7%9A%84%E7%87%9F%E9%81%8B%E7%8B%80%E6%B3%81\" >\u6700\u8fd1\u7684\u71df\u904b\u72c0\u6cc1<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E7%87%9F%E9%81%8B%E6%95%88%E7%8E%87%E5%A6%82%E4%BD%95%EF%BC%9F\" >\u71df\u904b\u6548\u7387\u5982\u4f55\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E9%96%8B%E5%A7%8B%E7%9B%88%E5%88%A9\" >\u958b\u59cb\u76c8\u5229<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E7%87%9F%E9%81%8B%E6%A5%AD%E5%8B%99%E7%9A%84%E6%93%B4%E5%B1%95\" >\u71df\u904b\u696d\u52d9\u7684\u64f4\u5c55<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E6%93%B4%E8%87%B3%E6%8B%89%E4%B8%81%E7%BE%8E%E6%B4%B2%E4%B8%BB%E8%A6%81%E5%9C%8B%E5%AE%B6\" >\u64f4\u81f3\u62c9\u4e01\u7f8e\u6d32\u4e3b\u8981\u570b\u5bb6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E5%AE%A2%E6%88%B6%E8%A6%8F%E6%A8%A1\" >\u5ba2\u6236\u898f\u6a21<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E9%A9%85%E5%8B%95%E6%A5%AD%E5%8B%99%E7%9A%84%E5%9B%A0%E7%B4%A0\" >\u9a45\u52d5\u696d\u52d9\u7684\u56e0\u7d20<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E7%8D%B2%E8%91%97%E5%90%8D%E6%8A%95%E8%B3%87%E4%BA%BA%E6%B3%A8%E8%B3%87\" >\u7372\u8457\u540d\u6295\u8cc7\u4eba\u6ce8\u8cc7<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E7%A7%81%E5%8B%9F%E5%9F%BA%E9%87%91%E6%88%96%E9%A2%A8%E6%8A%95\" >\u79c1\u52df\u57fa\u91d1\u6216\u98a8\u6295<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E5%B7%B4%E8%8F%B2%E7%89%B9%E7%9A%84%E6%B3%A2%E5%85%8B%E5%A4%8F\" >\u5df4\u83f2\u7279\u7684\u6ce2\u514b\u590f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E9%A8%B0%E8%A8%8A\" >\u9a30\u8a0a<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E7%AB%B6%E7%88%AD%E5%B0%8D%E6%89%8B\" >\u7af6\u722d\u5c0d\u624b<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E5%B7%B4%E8%A5%BF%E7%9A%84%E4%BA%94%E5%A4%A7%E9%8A%80%E8%A1%8C\" >\u5df4\u897f\u7684\u4e94\u5927\u9280\u884c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E6%9C%89%E8%A6%8F%E6%A8%A1%E7%9A%84%E9%87%91%E8%9E%8D%E7%A7%91%E6%8A%80%E6%96%B0%E5%89%B5\" >\u6709\u898f\u6a21\u7684\u91d1\u878d\u79d1\u6280\u65b0\u5275<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E5%B0%8F%E5%9E%8B%E7%9A%84%E9%87%91%E8%9E%8D%E7%A7%91%E6%8A%80%E6%96%B0%E5%89%B5%E6%A5%AD%E8%80%85\" >\u5c0f\u578b\u7684\u91d1\u878d\u79d1\u6280\u65b0\u5275\u696d\u8005<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E8%B3%87%E6%9C%AC%E5%B8%82%E5%A0%B4%E7%9A%84%E8%A1%A8%E7%8F%BE\" >\u8cc7\u672c\u5e02\u5834\u7684\u8868\u73fe<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E8%82%A1%E5%83%B9%E8%A1%A8%E7%8F%BE\" >\u80a1\u50f9\u8868\u73fe<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E4%BC%B0%E5%80%BC\" >\u4f30\u503c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E5%85%AC%E5%8F%B8%E4%B8%89%E5%A4%A7%E7%9B%AE%E6%A8%99\" >\u516c\u53f8\u4e09\u5927\u76ee\u6a19<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E8%B2%B8%E6%AC%BE%E5%A2%9E%E5%8A%A0%E4%B8%80%E5%80%8D\" >\u8cb8\u6b3e\u589e\u52a0\u4e00\u500d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E5%8F%96%E4%BB%A3%E5%A4%A7%E5%9E%8B%E5%82%B3%E7%B5%B1%E9%8A%80%E8%A1%8C\" >\u53d6\u4ee3\u5927\u578b\u50b3\u7d71\u9280\u884c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E6%93%B4%E5%A4%A7%E5%B7%B4%E8%A5%BF%EF%BC%8C%E5%A2%A8%E8%A5%BF%E5%93%A5%E5%92%8C%E5%93%A5%E5%80%AB%E6%AF%94%E4%BA%9E%E6%A5%AD%E5%8B%99\" >\u64f4\u5927\u5df4\u897f\uff0c\u58a8\u897f\u54e5\u548c\u54e5\u502b\u6bd4\u4e9e\u696d\u52d9<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E6%8C%91%E6%88%B0%E5%92%8C%E9%A2%A8%E9%9A%AA\" >\u6311\u6230\u548c\u98a8\u96aa<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E6%9C%89%E6%88%90%E7%82%BABlock%E6%88%96%E8%B2%9D%E5%AF%B6%E7%9A%84%E6%BD%9B%E5%8A%9B\" >\u6709\u6210\u70baBlock\u6216\u8c9d\u5bf6\u7684\u6f5b\u529b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E6%8C%91%E6%88%B0\" >\u6311\u6230<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E4%B8%8D%E7%A9%A9%E5%AE%9A%E7%9A%84%E6%8B%89%E4%B8%81%E7%BE%8E%E6%B4%B2\" >\u4e0d\u7a69\u5b9a\u7684\u62c9\u4e01\u7f8e\u6d32<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/#%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\" >\u76f8\u95dc\u6587\u7ae0<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%AC%E5%8F%B8%E7%B0%A1%E4%BB%8B\"><\/span>\u516c\u53f8\u7c21\u4ecb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%AC%E5%8F%B8%E7%9A%84%E5%89%B5%E7%AB%8B\"><\/span>\u516c\u53f8\u7684\u5275\u7acb<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/en.wikipedia.org\/wiki\/Nubank\" target=\"_blank\" rel=\"noreferrer noopener\">Nubank\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aNU\uff09<\/a>\u7684\u6545\u4e8b\uff0c\u59cb\u65bc\u4e00\u6b21\u7cdf\u7cd5\u7684\u9280\u884c\u958b\u6236\u9ad4\u9a57\uff0c\u5275\u8fa6\u4eba\u662f\u54e5\u502b\u6bd4\u4e9e\u4eba\u6234\u7dad\u00b7\u97cb\u96f7\u65af\uff08David V\u00e9lez\uff09\u66fe\u662f\u524d\u7d05\u6749\u8cc7\u672c\u5408\u5925\u4eba\u30022011\u5e74\uff0c\u97cb\u96f7\u65af\u524d\u5f80\u5df4\u897f\u8003\u5bdf\uff0c\u8a08\u5283\u958b\u5c55\u7d05\u6749\u5728\u62c9\u4e01\u7f8e\u6d32\u7684\u6295\u8cc7\u696d\u52d9\u3002\u671f\u9593\uff0c\u4ed6\u5728\u5df4\u897f\u7684\u4e00\u6b21\u958b\u6236\u7d93\u6b77\u8db3\u8db3\u8017\u4e0a\u516d\u500b\u6708\uff0c\u9019\u8b93\u4ed6\u770b\u5230\u4e86\u6a5f\u9047\u3002\u7576\u7d05\u6749\u8cc7\u672c\u95dc\u6389\u4e86\u5df4\u897f\u696d\u52d9\u5f8c\uff0c\u4ed6\u537b\u7559\u4e86\u4e0b\u4f86\u5275\u8fa6\u4e86Nubank\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%AD%A3%E5%BC%8F%E5%89%B5%E7%AB%8B\"><\/span>\u6b63\u5f0f\u5275\u7acb<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nubank\u6210\u7acb\u65bc2013\u5e74\uff0c\u7e3d\u90e8\u4f4d\u65bc\u5df4\u897f\u8056\u4fdd\u7f85\u3002\u806f\u5408\u5275\u59cb\u4eba\u6709\u97cb\u96f7\u65af \u3001Cristina Zingaretti Junqueira \u548cAdam Wible\u4e09\u4eba\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%88%90%E9%95%B7%E6%95%85%E4%BA%8B\"><\/span>\u6210\u9577\u6545\u4e8b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u516c\u53f8\u65bc2014\u5e74\u63a8\u51fa\u4e86\u7b2c\u4e00\u500b\u53ef\u7dda\u4e0a\u8fa6\u7406\u7684\u4fe1\u7528\u5361\u670d\u52d9\uff0c\u96a8\u525b\u6210\u7acb\u7684Nubank\u7387\u5148\u63a8\u51fa\u4e86\u4e00\u5f35\u4fe1\u7528\u5361\u3002\u9019\u5f35\u4fe1\u7528\u5361\u6c92\u6709\u4efb\u4f55\u5e74\u8cbb\uff0c\u4e26\u4e14\u5168\u7a0b\u90fd\u53ef\u4ee5\u7528\u624b\u6a5fApp\u63a7\u5236\uff0c\u6bcf\u6708\u5229\u7387\u57282.75%\u523014%\u4e0d\u7b49\u3002\u5f88\u5feb\uff0cNubank\u7684\u4fe1\u7528\u5361\u6210\u529f\u5728\u9280\u884c\u672a\u8986\u84cb\u7684\u6f5b\u5728\u91d1\u878d\u5ba2\u6236\u4e2d\u6253\u958b\u4e86\u5e02\u5834\u3002\u5728\u53e3\u53e3\u76f8\u50b3\u4e0b\uff0cNubank\u5e7e\u4e4e\u6c92\u82b1\u4ec0\u9ebc\u7372\u5ba2\u6210\u672c\uff0c\u5c31\u5c07\u81ea\u5bb6\u7684\u7d2b\u8272\u4fe1\u7528\u5361\u767c\u5230\u4e86\u5df4\u897f\u7684\u5927\u90e8\u5206\u5730\u5340\u3002<\/p>\n\n\n\n<p>\u5230\u4e862017\u5e74\uff0cNubank\u7684\u4fe1\u7528\u5361\u696d\u52d9\u958b\u59cb\u76c8\u5229\u3002\u540c\u5e745\u6708\uff0c\u8a72\u516c\u53f8\u7372\u5f97\u4e86\u5df4\u897f\u7684\u9280\u884c\u57f7\u7167\uff0c\u53ef\u4ee5\u63d0\u4f9b\u5132\u84c4\u8cec\u6236\uff08\u81ea\u7136\u90fd\u662f\u6578\u4f4d\u5e33\u6236\uff09\u53ca\u652f\u7968\u7b49\u5176\u4ed6\u696d\u52d9\u3002\u6642\u81f3\u4eca\u65e5\uff0cNubank\u5df2\u7d93\u5c07\u89f8\u89d2\u4f38\u5230\u4e86\u54e5\u502b\u6bd4\u4e9e\u3001\u58a8\u897f\u54e5\u3001\u963f\u6839\u5ef7\u7b49\u5e02\u5834\u3001\u696d\u52d9\u7bc4\u570d\u4e5f\u64f4\u5f35\u81f3\u5132\u84c4\u3001\u8cb8\u6b3e\u3001\u4fdd\u96aa\u7b49\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%88%90%E7%82%BA%E6%8B%89%E4%B8%81%E7%BE%8E%E6%B4%B2%E6%9C%80%E5%A4%A7%E9%87%91%E8%9E%8D%E7%A7%91%E6%8A%80%E7%8D%A8%E8%A7%92%E7%8D%B8\"><\/span>\u6210\u70ba\u62c9\u4e01\u7f8e\u6d32\u6700\u5927\u91d1\u878d\u79d1\u6280\u7368\u89d2\u7378<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u6b77\u66428\u5e74\uff0c40\u6b72\u7684\u97cb\u96f7\u65af\u628aNubank\u505a\u6210\u4e86\u62c9\u7f8e\u5730\u5340\u6700\u5927\u91d1\u878d\u79d1\u6280\u7368\u89d2\u7378\u3002\u5f8c\u4ee5\u5e2d\u6372\u4e4b\u52e2\uff0c\u81f32021\u5e74\u6642\uff0c\u5c31\u6709\u8fd15000\u842c\u7528\u6236\uff0c\u582a\u7a31\u5361\u738b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%A6%96%E6%AC%A1%E5%85%AC%E9%96%8B%E7%99%BC%E8%A1%8C\"><\/span>\u9996\u6b21\u516c\u958b\u767c\u884c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2021 \u5e7412\u67089\u65e5\uff0cNubank\u6210\u529f\u767b\u9678\u7d10\u4ea4\u6240\uff0c\u9032\u884c\u9996\u6b21\u516c\u958b\u767c\u884c\uff0c\u5e02\u503c\u9054476\u5104\u7f8e\u5143\u3002<\/p>\n\n\n\n<p>\u8a72\u516c\u53f8\u9084\u8a08\u5283\u5411\u54e1\u5de5\u548c\u6a5f\u69cb\u6295\u8cc7\u8005\u63d0\u4f9b\u7d043220\u842c\u7f8e\u5143\u7684\u5df4\u897f\u5b58\u8a17\u6191\u8b49(BDRs)\uff0c\u540c\u6642\u9084\u5c07\u5176\u4e2d\u4e00\u4e9b\u7528\u65bc\u5ba2\u6236\u5fe0\u8aa0\u5ea6\u8a08\u5283\u3002BDR\u5c07\u5728\u5df4\u897f\u8b49\u5238\u4ea4\u6613\u6240\u4e0a\u5e02\u4ea4\u6613\uff0c\u6bcf\u80a1\u50f9\u503c\u70baA\u985e\u80a1\u7684\u516d\u5206\u4e4b\u4e00\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NuBank%E4%B8%BB%E8%A6%81%E6%A5%AD%E5%8B%99%E4%BB%8B%E7%B4%B9\"><\/span>NuBank\u4e3b\u8981\u696d\u52d9\u4ecb\u7d39<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%95%B8%E4%BD%8D%E5%B8%B3%E6%88%B6\"><\/span>\u6578\u4f4d\u5e33\u6236<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9664\u4e86\u63d0\u4f9b\u4e0d\u6536\u53d6\u5e74\u8cbb\u7684\u570b\u969b\u4fe1\u7528\u5361\uff0cNubank\u9084\u63d0\u4f9b\u514d\u8cbb\u6578\u4f4d\u5e33\u6236NuConta\u548c\u7a4d\u5206\u734e\u52f5\u8a08\u5283Nubank Reward\u7b49\uff0c\u6240\u6709\u670d\u52d9\u90fd\u57fa\u65bc\u4e00\u500b\u61c9\u7528\u7a0b\u5e8f\u9032\u884c\u7ba1\u7406\u3002<\/p>\n\n\n\n<p>Nubank\u5728\u5df4\u897f\u3001\u54e5\u502b\u6bd4\u4e9e\u548c\u58a8\u897f\u54e5\u64c1\u6709\u8d85\u904e4800\u842c\u5ba2\u6236\uff1b\u8a72\u516c\u53f8\u7a31\uff0c\u5176\u57282021\u5e74\u7b2c\u4e09\u5b63\u5ea6\u6bcf\u6708\u5e73\u5747\u65b0\u589e\u5ba2\u6236210\u842c\u3002\u8a72\u516c\u53f82021\u5e74\u524d9\u500b\u6708\u71df\u6536\u9054\u7d041 1\u5104\u7f8e\u5143\uff0c\u8f03\u4e0a\u5e74\u540c\u671f\u589e\u9577\u8fd1\u4e00\u500d\uff0c\u4e0d\u904e\u8667\u640d\u540c\u6a23\u64f4\u592753.9%\u81f39910\u842c\u7f8e\u5143\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%99%84%E5%8A%A0%E6%9C%8D%E5%8B%99\"><\/span>\u9644\u52a0\u670d\u52d9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5b83\u7684\u5176\u7522\u54c1\u5be6\u73fe\u4e86\u591a\u6a23\u5316\uff0c\u73fe\u5728\u9084\u5305\u62ec\u6295\u8cc7\u3001\u500b\u4eba\u8cb8\u6b3e\u3001\u5373\u6642\u652f\u4ed8\u3001\u4eba\u58fd\u4fdd\u96aa\u548c\u570b\u969b\u8f49\u5e33\u7b49\u670d\u52d9\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BF%A1%E7%94%A8%E5%8D%A1\"><\/span>\u4fe1\u7528\u5361<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u56e0\u70ba\u4e0d\u53d7\u724c\u7167\u9650\u5236\uff0c\u767c\u884c\u4fe1\u7528\u5361\u7684\u9580\u6abb\u4e26\u4e0d\u9ad8\uff0c\u56e0\u6b64\u5f9e2014\u5e74Nubank\u958b\u59cb\u767c\u884c\u4fe1\u7528\u5361\uff0c\u9019\u662f\u4e00\u7a2e\u7d2b\u8272\u7684\u842c\u4e8b\u9054\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aMA\uff09\u54c1\u724c\u7684\u4fe1\u7528\u5361\u3002\u76f8\u8f03\u65bc\u50b3\u7d71\u9280\u884c\uff0cNubank\u7684\u4fe1\u7528\u5361\u7c21\u5316\u4e86\u7533\u8acb\u6d41\u7a0b\uff0c\u4e0d\u9700\u8981\u5e74\u8cbb\uff0c\u6bcf\u6708\u5229\u7387\u57282.75%\u523014%\u4e0d\u7b49\uff0c\u4e26\u4e14\u5168\u7a0b\u53ef\u4ee5\u7528\u624b\u6a5f\u63a7\u5236\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%99%9B%E6%93%AC%E4%BF%A1%E7%94%A8%E5%8D%A1\"><\/span>\u865b\u64ec\u4fe1\u7528\u5361<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2014\u5e74Nubank\u63a8\u51fa\u842c\u4e8b\u9054\u865b\u64ec\u4fe1\u7528\u5361\u9032\u5165\u5e02\u5834\u3002\u5df4\u897f\u5927\u591a\u6578\u91d1\u878d\u6a5f\u69cb\u7684\u4fe1\u7528\u5361\u4e0d\u4f46\u7533\u8acb\u6975\u70ba\u7e41\u96dc\uff0c\u800c\u4e14\u5e74\u5229\u7387\u9054\u5230\u4e86400%\u3002\u800cNubank\u7684\u865b\u64ec\u4fe1\u7528\u5361\u7c21\u5316\u4e86\u8fa6\u7406\u4fe1\u7528\u5361\u6d41\u7a0b\uff0c\u4e26\u63d0\u4f9b\u5feb\u901f\uff0c\u900f\u660e\u7684\u9280\u884c\u79fb\u52d5\u670d\u52d9\uff0c\u5982\u9032\u884c\u8f49\u8cec\uff0c\u6d88\u8cbb\u67e5\u8a62\uff0c\u652f\u4ed8\u8cec\u55ae\u7b49\uff0c\u800c\u4e14\u5e74\u5229\u7387\u50c5\u70ba145%\u3002\u9019\u500b\u6578\u5b57\u770b\u8d77\u4f86\u5f88\u9ad8\uff0c\u4f46\u662f\u5df4\u897f\u9280\u884c\u7684\u4fe1\u7528\u5361\u5e74\u5229\u7387\u53ef\u4ee5\u8d85\u904e600%\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%8A%A0%E5%AF%86%E8%B2%A8%E5%B9%A3\"><\/span>\u52a0\u5bc6\u8ca8\u5e63<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nubank \u5c0d\u52a0\u5bc6\u8ca8\u5e63\u7684\u652f\u6301\u5f88\u53cb\u5584\uff0c\u9019\u5bb6\u9280\u2f8f\u5141\u8a31\u52a0\u5bc6\u5e63\u5728\u8a72\u5e73\u53f0\u4ea4\u6613\uff0c\u751a\u2f842023\u5e743\u2f49\u9084\u767c\u2f8f\u2f83\u5bb6\u7684\u539f\u2f63\u4ee3\u5e63\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%88%90%E5%8A%9F%E7%9A%84%E9%97%9C%E9%8D%B5\"><\/span>\u6210\u529f\u7684\u95dc\u9375<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%8D%B2%E5%AE%A2%E5%B9%BE%E4%B9%8E%E6%B2%92%E6%9C%89%E6%88%90%E6%9C%AC\"><\/span>\u7372\u5ba2\u5e7e\u4e4e\u6c92\u6709\u6210\u672c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nubank \u7684\u6210\u529f\u5f88\u5927\u4e00\u90e8\u5206\u53d6\u6c7a\u65bc\u4fe1\u7528\u5361\u696d\u52d9\u7684\u6210\u529f\u3002\u64da\u516c\u53f8\u7576\u6642\u7684\u62db\u80a1\u66f8\u5167\u5bb9\u6240\u8f09\uff0cNubank\u7684\u6bcf\u5e7480%-90%\u7528\u6236\u662f\u901a\u904e\u53e3\u7891\u76f8\u50b3\u3001\u514d\u8cbb\u63a8\u85a6\u800c\u4f86\uff0c\u9019\u4e5f\u4f7f\u5f97Nubank\u5ba2\u6236\u589e\u9577\u8fc5\u901f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%99%9B%E6%93%AC%E4%BF%A1%E7%94%A8%E5%8D%A1-2\"><\/span>\u865b\u64ec\u4fe1\u7528\u5361<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u865b\u64ec\u4fe1\u7528\u5361\u9019\u7a2e\u4fbf\u5b9c\u4e14\u65b9\u4fbf\u7684\u670d\u52d9\u5f88\u5feb\u53d7\u5230\u7528\u6236\u7684\u559c\u611b\uff0cNubank\u5f97\u4ee5\u8f03\u4f4e\u7684\u7528\u6236\u7372\u53d6\u6210\u672c\u8d0f\u4f86\u7528\u6236\u7fa4\u9ad4\u5feb\u901f\u81a8\u8139\u3002\u62db\u80a1\u66f8\u986f\u793a\uff0c\u622a\u81f32021 \u5e74\u524d3 \u5b63\u5ea6\uff0c\u516c\u53f8\u7684CAC\u70ba\u6bcf\u4f4d\u5ba2\u62365.0 \u7f8e\u5143\uff0c\u5176\u4e2d\u4ed8\u8cbb\u71df\u92b7\u7d04\u4f5420%\uff0c\u9019\u4f7f\u5f97\u516c\u53f8CAC\u662f\u5168\u7403\u6d88\u8cbb\u91d1\u878d\u79d1\u6280\u516c\u53f8\u4e2d\u6700\u4f4e\u7684\u4e4b\u4e00\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%A1%9B%E8%A6%86%E8%90%BD%E5%BE%8C%E7%9A%84%E5%B7%B4%E8%A5%BF%E9%8A%80%E8%A1%8C%E6%A5%AD\"><\/span>\u985b\u8986\u843d\u5f8c\u7684\u5df4\u897f\u9280\u884c\u696d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><br>Nubank\u80fd\u7372\u5f97\u5de8\u5927\u6210\u529f\uff0c\u9664\u75ab\u60c5\u6539\u8b8a\u4e86\u5df4\u897f\u4eba\u6c11\u7684\u652f\u4ed8\u65b9\u5f0f\u5916\uff0c\u9084\u548c\u5df4\u897f\u7279\u6b8a\u7684\u91d1\u878d\u7d50\u69cb\u6709\u95dc\u3002\u5f9e\u6b77\u53f2\u4e0a\u770b\uff0c\u5df4\u897f\u7684\u9280\u884c\u696d\u4e00\u76f4\u9ad8\u5ea6\u96c6\u4e2d\uff0c5\u5bb6\u9280\u884c\u63a7\u5236\u8457\u5df4\u897f\u5e02\u5834\u768485%\uff0c\u9577\u671f\u4ee5\u4f86\u5df4\u897f\u7684\u9280\u884c\u696d\u90fd\u662f\u4e16\u754c\u4e0a\u6700\u8cfa\u9322\u7684\u9280\u884c\u696d\u4e4b\u4e00\u3002\u6b63\u56e0\u5982\u6b64\uff0c\u666e\u901a\u5ba2\u6236\u7372\u5f97\u91d1\u878d\u670d\u52d9\u7684\u6210\u672c\u904e\u9ad8\uff0c\u518d\u52a0\u4e0a\u6ef2\u900f\u7387\u56b4\u91cd\u4e0d\u8db3\u7b49\u7279\u9ede\uff0c\u7d66\u4e86\u5f88\u591a\u521d\u5275\u91d1\u878d\u516c\u53f8\u6a5f\u6703\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%87%9F%E9%81%8B%E7%8B%80%E6%B3%81\"><\/span>\u71df\u904b\u72c0\u6cc1<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%97%A9%E6%9C%9F%E7%9A%84%E7%87%9F%E9%81%8B%E6%83%85%E5%BD%A2\"><\/span>\u65e9\u671f\u7684\u71df\u904b\u60c5\u5f62<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nubank\u57282018\u5e74\u30012019\u5e74\u548c2020\u5e74\u7684\u71df\u6536\u5206\u5225\u70ba3.19\u5104\u7f8e\u5143\u30016.12\u5104\u7f8e\u5143\u548c7.37\u5104\u7f8e\u5143\uff0c\u589e\u9577\u5e45\u5ea6\u6301\u7e8c\u653e\u6b3e\uff1b\u9019\u4e09\u500b\u5e74\u5ea6Nubank\u8667\u640d\u5206\u5225\u70ba2860\u842c\u7f8e\u5143\u30019250\u842c\u7f8e\u5143\u3001\u548c1.715\u5104\u7f8e\u5143\u3002<\/p>\n\n\n\n<p>\u57282020\u5e74\uff0cNubank\u7684\u6bdb\u5229\u6f64\u70ba3.269 \u5104\u7f8e\u5143\uff0c\u8f032019\u5e74\u76842.479\u5104\u7f8e\u5143\u589e\u957731.9%\u3002\u57282021\u5e74\u524d\u4e5d\u500b\u6708\uff0cNubank\u6bdb\u5229\u6f64\u70ba5.06\u5104\u7f8e\u5143\uff0c\u8f03\u53bb\u5e74\u540c\u671f\u76842.506\u5104\u7f8e\u5143\u589e\u9577101.9%\u3002<\/p>\n\n\n\n<p>\u8667\u640d\u96d6\u7136\u4e5f\u5728\u653e\u7de9\uff0c\u4f46\u9577\u671f\u6c92\u6709\u5be6\u73fe\u76c8\u5229\uff0c\u4e142021\u5e74\u524d\u4e5d\u500b\u6708Nubank\u5c31\u8667\u640d9910\u842c\u7f8e\u5143\uff0c\u8f032020\u5e74\u540c\u671f\u76846640\u842c\u7f8e\u5143\uff0c\u8667\u640d\u5e45\u5ea6\u64f4\u592749.2%\uff0c\u52a0\u4e0a\u5df4\u897f\u672c\u571f\u5176\u4ed6\u91d1\u878d\u6a5f\u69cb\u7684\u7af6\u722d\u614b\u52e2\uff0cNubank\u9762\u81e8\u7684\u76c8\u5229\u58d3\u529b\u8457\u5be6\u4e0d\u5c0f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%9C%80%E8%BF%91%E7%9A%84%E7%87%9F%E9%81%8B%E7%8B%80%E6%B3%81\"><\/span>\u6700\u8fd1\u7684\u71df\u904b\u72c0\u6cc1<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u904e\u53bb\u5169\u5e74\u71df\u6536\u8907\u5408\u5e74\u589e\u9577\u7387 (CAGR) \u9054 82%\uff0c\u6de8\u5229\u6f64\u5f9e\u53bb\u5e74\u7684 5,800 \u842c\u7f8e\u5143\u589e\u81f3\u4eca\u5e74\u7684 3.61 \u5104\u7f8e\u5143\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%87%9F%E9%81%8B%E6%95%88%E7%8E%87%E5%A6%82%E4%BD%95%EF%BC%9F\"><\/span>\u71df\u904b\u6548\u7387\u5982\u4f55\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u670d\u52d9\u6210\u672c\uff08\u8861\u91cf\u516c\u53f8\u70ba\u666e\u901a\u7528\u6236\u63d0\u4f9b\u670d\u52d9\u7684\u652f\u51fa\u7684\u8861\u91cf\u6a19\u6e96\uff09\u81ea\u53bb\u5e74\u4ee5\u4f86\u4e00\u76f4\u7a69\u5b9a\u5728 0.90 \u7f8e\u5143\uff0c\u800c\u5b58\u6b3e\u6210\u672c\u76f8\u5c0d\u8f03\u4f4e\uff0c\u70ba\u9280\u884c\u540c\u696d\u62c6\u501f\u5229\u7387\u7684 80%\u3002<\/p>\n\n\n\n<p>2023\u5e74\u7b2c\u56db\u5b63\u6de8\u5229\u606f\u6536\u5165\u5e74\u589e85%\uff0c\u6de8\u5229\u5dee\u70ba18.3%\uff0c\u63a5\u8fd1\u6b77\u53f2\u9ad8\u9ede\u3002<\/p>\n\n\n\n<p>\u6bdb\u5229\u8f032022\u5e74\u6210\u957787%\uff0c\u6bdb\u5229\u7387\u64f4\u5927\u81f347.5%\u3002\u9019\u63a8\u52d5\u6de8\u5229\u6f64\u4e0a\u5347\uff0c\u5f9e\u53bb\u5e74\u540c\u671f\u7684 5,800 \u842c\u7f8e\u5143\u589e\u81f3\u7b2c\u56db\u5b63\u7684 3.61 \u5104\u7f8e\u5143\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%96%8B%E5%A7%8B%E7%9B%88%E5%88%A9\"><\/span>\u958b\u59cb\u76c8\u5229<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u7136\u2f7d\uff0c\u8a72\u516c\u53f8\u5728\u71df\u904b\u2f45\u2faf\u6709\u6240\u65ac\u7372\uff0c\u622a\u2f842023\u5e746\u2f49\u7684\u2f00\u5e74\u9593\uff0c\u8a72\u516c\u53f8\u7684\u5ba2\u2f3e\u6578\u91cf\u6210\u2ed128%\u2f848,400\u842c\u2f08\uff0c\u71df\u6536\u2f24\u589e61%\uff0c\u9054\u5230\u7d0419\u5104\u7f8e\u5143\uff0c\u4e26\u626d\u8667\u70ba\u76c8\uff0c\u5f9e\u6de8\u640d3,000\u842c\u7f8e\u5143\u9032\u6b65\u2f84\u6de8\u52292.25\u5104\u7f8e\u5143\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%87%9F%E9%81%8B%E6%A5%AD%E5%8B%99%E7%9A%84%E6%93%B4%E5%B1%95\"><\/span>\u71df\u904b\u696d\u52d9\u7684\u64f4\u5c55<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%93%B4%E8%87%B3%E6%8B%89%E4%B8%81%E7%BE%8E%E6%B4%B2%E4%B8%BB%E8%A6%81%E5%9C%8B%E5%AE%B6\"><\/span>\u64f4\u81f3\u62c9\u4e01\u7f8e\u6d32\u4e3b\u8981\u570b\u5bb6<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u76ee\u524d\u5728\u5728\u5df4\u897f\u3001\u58a8\u897f\u54e5\u548c\u54e5\u502b\u6bd4\u4e9e\u90fd\u6709\u5176\u64da\u9ede\u3002\u81ea2020\u5e74\u521d\u5728\u58a8\u897f\u54e5\u958b\u5c55\u696d\u52d9\u4ee5\u4f86\u4e0d\u5230\u5169\u5e74\u7684\u6642\u9593\u88e1\uff0cNubank\u5df2\u7d93\u6210\u70ba\u8a72\u570b\u6700\u5927\u7684\u4fe1\u7528\u5361\u767c\u5361\u6a5f\u69cb\u3002\u622a\u81f32021\u5e749\u670830\u65e5\uff0cNubank\u64c1\u670976\u842c\u5ba2\u6236\uff0c\u9060\u9060\u9ad8\u65bc\u58a8\u897f\u54e5\u7684\u73fe\u6709\u9280\u884c\u3002\u9019\u4e00\u66fe\u7d93\u652a\u52d5\u5df4\u897f\u9280\u884c\u5e02\u5834\u7684\u9bf0\u9b5a\uff0c\u6709\u671b\u985b\u8986\u62c9\u4e01\u7f8e\u6d32\u7684\u50b3\u7d71\u5e02\u5834\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%AE%A2%E6%88%B6%E8%A6%8F%E6%A8%A1\"><\/span>\u5ba2\u6236\u898f\u6a21<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2018\u5e74\u81f32020\u5e74\u6642\uff0cNubank\u7684\u5ba2\u6236\u6578\u91cf\u5206\u5225\u70ba600\u842c\u30012010\u842c\u548c3330\u842c\uff0c\u5206\u5225\u540c\u6bd4\u589e\u957798%\u3001232%\u548c66%\u3002\u622a\u81f32021\u5e743\u6708\uff0cNubank\u5ba2\u6236\u7e3d\u6578\u5df2\u7d93\u5347\u81f34810\u842c\uff0c\u540c\u6bd4\u589e\u957762%\uff1b\u6708\u6d3b\u7528\u6236\u65b9\u9762\uff0cNubank\u4e09\u5e74\u9593\u7684\u6578\u64da\u5206\u5225\u70ba510\u842c\u30011210\u842c\u548c2180\u842c\uff0c\u540c\u6bd4\u589e\u9577\u7387\u5206\u5225\u70ba84%\u300161%\u548c66%\u3002<\/p>\n\n\n\n<p>\u622a\u81f32021\u5e749\u670830\u65e5\uff0cNubank\u64c1\u67094810\u842c\u7528\u6236\uff0c\u7d04\u4f54\u5df4\u897f15\u6b72\u53ca\u4ee5\u4e0a\u4eba\u53e3\u768428%\u3002\u5176\u4e2d\uff0c\u7d0473%\u70ba\u6708\u5ea6\u6d3b\u8e8d\u7528\u6236\uff0c\u5728\u5df4\u897f\u3001\u58a8\u897f\u54e5\u548c\u54e5\u502b\u6bd4\u4e9e\uff0cNubank\u5e73\u5747\u6bcf\u6708\u65b0\u589e200\u591a\u842c\u6de8\u5ba2\u6236\u3002\u800cNubank\u5e73\u5747\u80fd\u5728\u4e0d\u523012\u500b\u6708\u7684\u6642\u9593\u5167\u6536\u56de\u7372\u5ba2\u6210\u672c\u3002<\/p>\n\n\n\n<p>2023 \u5e74\uff0c\u8a72\u516c\u53f8\u65b0\u589e\u4e86 1,900 \u842c\u500b\u65b0\u5e33\u6236\uff0c\u622a\u81f3\u5e74\u5e95\uff0c\u8a72\u5e33\u6236\u6578\u91cf\u63a5\u8fd1 9,400 \u842c\uff0c\u5176\u4e2d\u5305\u62ec\u5df4\u897f\u6210\u5e74\u4eba\u53e3\u7684 53%\uff0c\u90fd\u5728\u4f7f\u7528Nubank\u6578\u4f4d\u9280\u884c\u5e33\u6236\u7684\u670d\u52d9\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%A9%85%E5%8B%95%E6%A5%AD%E5%8B%99%E7%9A%84%E5%9B%A0%E7%B4%A0\"><\/span>\u9a45\u52d5\u696d\u52d9\u7684\u56e0\u7d20<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5176\u6210\u9577\u7684\u4e3b\u8981\u9a45\u52d5\u529b\u4e4b\u4e00\u662f\u5411\u73fe\u6709\u5ba2\u6236\u4ea4\u53c9\u92b7\u552e\u65b0\u7522\u54c1\uff0c\u5f9e\u800c\u63d0\u9ad8\u6bcf\u500b\u6d3b\u8e8d\u5ba2\u6236\u7684\u5e73\u5747\u6536\u5165 (ARPAC)\u3002\u96a8\u8457\u5df4\u897f\u6578\u4f4d\u4ea4\u6613\u7684\u6210\u9577\uff0c\u5728\u65b0\u5ba2\u6236\u548c\u900f\u904e\u5176\u7522\u54c1\u9032\u884c\u66f4\u591a\u4ea4\u6613\u7684\u63a8\u52d5\u4e0b\uff0c\u5927\u90e8\u5206\u4ea4\u6613\u5c07\u900f\u904e Nubank \u7684\u7ba1\u9053\u6d41\u52d5\u3002<\/p>\n\n\n\n<p>\u4f46\u5e36\u4f86\u66f4\u9ad8\u6536\u5165\u7684\u4e0d\u50c5\u662f\u65b0\u5ba2\u6236\u3002 Nubank \u5df2\u64f4\u5c55\u5230\u63d0\u4f9b\u9280\u884c\u5e33\u6236\u4ee5\u5916\u7684\u4e00\u7cfb\u5217\u5ee3\u6cdb\u7684\u91d1\u878d\u7522\u54c1\uff0c\u4f8b\u5982\u4fe1\u7528\u5361\u548c\u6295\u8cc7\u5de5\u5177\uff0c\u4e26\u4e14\u5b83\u9084\u92b7\u552e\u548c\u4ea4\u53c9\u92b7\u552e\u65b0\u7522\u54c1\u3002\u7528\u6236\u53c3\u8207\u5ea6\u5f88\u9ad8\uff0c\u9054 83%\u3002\u9019\u5c0e\u81f4\u6bcf\u500b\u6d3b\u8e8d\u5ba2\u6236\u7684\u5e73\u5747\u6536\u5165\u589e\u52a0\uff0c\u4e26\u4e14\u96a8\u8457\u6574\u9ad4\u6536\u5165\u7684\u6210\u9577\u800c\u9010\u5e74\u6301\u7e8c\u6210\u9577\u3002<\/p>\n\n\n\n<p>Nubank \u5df2\u5f9e\u4e3b\u8981\u89e3\u6c7a\u793e\u6703\u7d93\u6fdf\u5730\u4f4d\u8f03\u4f4e\u7684\u4eba\u7fa4\u7684\u75db\u9ede\u8f49\u5411\u91dd\u5c0d\u8f03\u5bcc\u88d5\u7684\u4eba\u7fa4\uff0c\u5176\u91dd\u5c0d\u9ad8\u6536\u5165\u4eba\u7fa4\u7684 Ultravioleta \u4fe1\u7528\u5361\u7684\u652f\u4ed8\u984d\u5728 2023 \u5e74\u7b2c\u56db\u5b63\u5ea6\u540c\u6bd4\u589e\u9577\u4e86\u4e00\u500d\u591a\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%8D%B2%E8%91%97%E5%90%8D%E6%8A%95%E8%B3%87%E4%BA%BA%E6%B3%A8%E8%B3%87\"><\/span>\u7372\u8457\u540d\u6295\u8cc7\u4eba\u6ce8\u8cc7<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%A7%81%E5%8B%9F%E5%9F%BA%E9%87%91%E6%88%96%E9%A2%A8%E6%8A%95\"><\/span>\u79c1\u52df\u57fa\u91d1\u6216\u98a8\u6295<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5728\u4e0a\u5e02\u524d\uff0cNubank\u5c31\u7372\u7d05\u6749\u8cc7\u672c\u3001\u7d05\u9ede\u5275\u6295\u3001DST\u3001\u8001\u864e\u74b0\u7403\u57fa\u91d1\u3001GIC\u3001\u7b49\u8457\u540d\u79c1\u52df\u57fa\u91d1\u6216\u98a8\u6295\u6295\u8cc7\u6a5f\u69cb\u7684\u6ce8\u8cc7\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B7%B4%E8%8F%B2%E7%89%B9%E7%9A%84%E6%B3%A2%E5%85%8B%E5%A4%8F\"><\/span>\u5df4\u83f2\u7279\u7684\u6ce2\u514b\u590f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2021\u5e746\u6708\uff0c\u5df4\u83f2\u7279\u7684\u6ce2\u514b\u590f\u5411Nubank\u6295\u8cc75\u5104\u7f8e\u5143\u3002<\/p>\n\n\n\n<p>\u6ce2\u514b\u590f\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aBRK.A\u548cBRK.B\uff09\u2f00\u958b\u59cb\u57282021\u5e746\u2f49\u5411Nubank\u6ce8\u8cc75\u5104\u7f8e\u5143\uff0c\u63a5\u8457\u8a72\u516c\u53f8\u5728\u8a72\u5e7412\u2f49\u4e0a\u5e02\u6642\uff0c\u2f1c\u5c0d\u9019\u5bb6\u9280\u2f8f\u6295\u8cc72.5\u5104\u7f8e\u5143\u5de6\u53f3\u3002\u622a\u2f842023\u5e746\u2f49\uff0c\u6ce2\u514b\u590f\u6301\u6709\u8a72\u516c\u53f8\u7d041.07\u5104\u80a1\uff0c\u6301\u80a1\u6bd4\u7387\u70ba2%\u5de6\u53f3\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%A8%B0%E8%A8%8A\"><\/span>\u9a30\u8a0a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2018\u5e7410\u6708\uff0c\u9a30\u8a0a\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aTCEHY\uff09\u5411Nubank\u6ce8\u8cc71.8\u5104\u7f8e\u5143\uff0c\u8e8b\u8eab\u9019\u4e00\u7368\u89d2\u7378\u7684\u80a1\u6771\u4e4b\u5217\uff0c\u4e26\u70baNubank\u5e36\u4f86\u4e86\u652f\u4ed8\u3001\u6d88\u8cbb\u8cb8\u6b3e\u3001\u5de5\u7a0b\u548c\u6a5f\u5668\u5b78\u7fd2\u7b49\u9818\u57df\u4e0a\u7684\u5e6b\u52a9\uff0c\u9019\u662f\u9a30\u8a0a\u5728\u62c9\u4e01\u7f8e\u6d32\u6700\u5927\u7d93\u6fdf\u9ad4\u7684\u9996\u6b21\u6295\u8cc7\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%AB%B6%E7%88%AD%E5%B0%8D%E6%89%8B\"><\/span>\u7af6\u722d\u5c0d\u624b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B7%B4%E8%A5%BF%E7%9A%84%E4%BA%94%E5%A4%A7%E9%8A%80%E8%A1%8C\"><\/span>\u5df4\u897f\u7684\u4e94\u5927\u9280\u884c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5df4\u897f\u7684\u9280\u884c\u7cfb\u7d71\u662f\u4e16\u754c\u4e0a\u6700\u5b98\u50da\u7684\u7cfb\u7d71\u4e4b\u4e00\uff0c\u8a72\u570b\u7684\u4ee5\u4e0b\u4e94\u5927\u9280\u884c\u58df\u65b7\u4e86\u7576\u5730\u91d1\u878d\u670d\u52d980\uff05\u7684\u5e02\u5834\u4efd\u984d\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f0a\u5854\u70cf\u9280\u884c\uff08It\u00e1u Unibanco\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aITUB\uff09<\/li>\n\n\n\n<li>Banco Santander \uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aSAN\uff09<\/li>\n\n\n\n<li>Banco Bradesco \uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aBBD\uff09<\/li>\n\n\n\n<li>Banco do Brasil\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1a BDORY\uff09<\/li>\n\n\n\n<li>Caixa Econmica<\/li>\n<\/ul>\n\n\n\n<p>\u6b64\u5916\uff0c\u5148\u524d\u88abNubank\u6436\u5148\u4e00\u6b65\u7684\u9280\u884c\u5011\u4e5f\u5728 \u4e00\u500b\u4f8b\u5b50\u662f\uff0c\u65e9\u57282019\u5e74\uff0c\u5df4\u897f\u4e94\u5927\u884c\u4e4b\u4e00\u7684\u4f0a\u5854\u70cf\u9280\u884c\u5c31\u63a8\u51fa\u4e86\u4e8c\u7dad\u78bc\u652f\u4ed8\u5e73\u53f0Iti\uff0c\u529f\u80fd\u63a5\u8fd1\u65bc\u570b\u5167\u7684 \u5176\u4f7f\u7528\u8005\u4e5f\u7121\u9700\u6210\u70ba\u9280\u884c\u5ba2\u6236\uff0c\u9580\u6abb\u540c\u6a23\u8f03\u4f4e\u3002\u5982\u679c\u4f0a\u5854\u70cf\u9280\u884c\u9858\u610f\u5192\u8457\u985b\u8986\u81ea\u8eab\u73fe\u91d1\u725b\u7684\u98a8\u96aa\uff0c\u9577\u671f\u627f\u64d4Iti\u9ad8\u6602\u7684\u904b\u71df\u8cbb\u7528\uff0c\u90a3\u5b83\u5c07\u6709\u4e0d\u5c0f\u6a5f\u6703\u6311\u6230Nubank\u5efa\u7acb\u8d77\u7684\u865b\u64ec\u4fe1\u7528\u5361\u9738\u6b0a\u3002<\/p>\n\n\n\n<p>\u622a\u81f32021\u5e7410\u6708\uff0c\u6709\u8d85\u904e1.1\u5104\u5df4\u897f\u4eba\u6b63\u5728\u4f7f\u7528\u5df4\u897f\u4e2d\u592e\u9280\u884c\uff08Banco Central do Brasil\uff0c\u5df4\u897f\u9280\u884c\u70ba\u5176\u4ee3\u7406\u884c\uff09\u63a8\u51fa\u7684\u5373\u6642\u652f\u4ed8\u5e73\u53f0Pix\uff0c\u5176\u540c\u6a23\u5c6c\u65bc\u96fb\u5b50\u9322\u5305\u985e\u578b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%9C%89%E8%A6%8F%E6%A8%A1%E7%9A%84%E9%87%91%E8%9E%8D%E7%A7%91%E6%8A%80%E6%96%B0%E5%89%B5\"><\/span>\u6709\u898f\u6a21\u7684\u91d1\u878d\u79d1\u6280\u65b0\u5275<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u8fd1\u5e74\u4f86\u4ee5\u4e0b\u7684\u5df4\u897f\u91d1\u878d\u79d1\u6280\u7684\u8fc5\u901f\u767c\u5c55\u67d0\u7a2e\u7a0b\u5ea6\u4e0a\u4e5f\u662f\u5728\u6311\u6230\u9019\u4e9b\u50b3\u7d71\u91d1\u878d\u5de8\u982d\u7684\u5229\u76ca\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>StoneCo\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aSTNE\uff09\u5df4\u897f\u7684\u652f\u4ed8\u91d1\u878d\u79d1\u6280\u696d\u8005\u3002<\/li>\n\n\n\n<li>PagSeguro\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aPAGE\uff09\uff1a\u5df4\u897f\u7684\u652f\u4ed8\u91d1\u878d\u79d1\u6280\u696d\u8005\u3002<\/li>\n\n\n\n<li>Cielo SA\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aCIOXY\uff09\uff1aCielo \u662f\u5df4\u897f\u6700\u5927\u7684\u4fe1\u7528\u5361\u548c\u91d1\u878d\u5361\u71df\u904b\u5546\uff0c\u6210\u7acb\u65bc 1995 \u5e74\uff0c\u662f\u5a01\u58eb\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aV\uff09\u8207 Bradesco\u3001Banco do Brasil\u3001Banco Real\uff08\u73fe\u70ba Banco Santander\uff09\u4ee5\u53ca\u73fe\u5df2\u89e3\u6563\u7684 Banco Nacional \u9280\u884c\u7684\u5408\u8cc7\u4f01\u696d\u3002<\/li>\n\n\n\n<li>MercadoPago\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aMELI\uff09\uff0c\u8a73\u898b\u6211\u4e4b\u524d\u7684\u53e6\u4e00\u7bc7\u8cbc\u6587\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/01\/02\/%e6%8b%89%e4%b8%81%e7%be%8e%e6%b4%b2%e7%9a%84%e9%9b%bb%e5%95%86%e9%9c%b8%e4%b8%bbmercadolibre\/\">\u62c9\u4e01\u7f8e\u6d32\u7684\u96fb\u5546\u9738\u4e3b\u81ea\u7531\u5e02\u5834\uff08\u7f8e\u5361\u591a\uff0cMercadoLibre\uff09<\/a>\u300b<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B0%8F%E5%9E%8B%E7%9A%84%E9%87%91%E8%9E%8D%E7%A7%91%E6%8A%80%E6%96%B0%E5%89%B5%E6%A5%AD%E8%80%85\"><\/span>\u5c0f\u578b\u7684\u91d1\u878d\u79d1\u6280\u65b0\u5275\u696d\u8005<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u6b64\u5916\uff0c\u65b0\u4e00\u6279\u91d1\u878d\u79d1\u6280\u516c\u53f8\u6b63\u5728\u5d1b\u8d77\u3002\u4f8b\u5982\u58a8\u897f\u54e5\u5e02\u5834\uff0c\u5c31\u6709AIbo\u3001Fondeadora\u3001V exi\u3001Stori Card\u7b49\u65b0\u73a9\u5bb6\u51fa\u73fe\uff0c\u5176\u4e2dAIbo\u66f4\u662f\u796d\u51fa\u4e86\u6bd4Nubank\u9580\u6abb\u66f4\u4f4e\u7684\u4e0b\u6c89\u6230\u8853\uff0c\u865f\u7a31\u7121\u4fe1\u7528\u8a18\u9304\u8005\u4e5f\u80fd\u4eab\u53d7\u91d1\u878d\u670d\u52d9\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B3%87%E6%9C%AC%E5%B8%82%E5%A0%B4%E7%9A%84%E8%A1%A8%E7%8F%BE\"><\/span>\u8cc7\u672c\u5e02\u5834\u7684\u8868\u73fe<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%82%A1%E5%83%B9%E8%A1%A8%E7%8F%BE\"><\/span>\u80a1\u50f9\u8868\u73fe<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u622a\u2f842023\u5e746\u2f49\u7684\u2f00\u5e74\u9593\uff0c\u516c\u53f8\u7684\u5ba2\u2f3e\u6578\u91cf\u6210\u2ed128%\uff0c\u71df\u6536\u5e74\u589e61%\uff0c\u800c\u4e14\u626d\u8667\u70ba\u76c8\u958b\u59cb\u8cfa\u9322\uff0c\u6240\u4ee5\u516c\u53f8\u57282023\u5e74\u7684\u2f00\u5e74\u9593\u80a1\u50f9\u5927\u6f32104.67%\u3002<\/p>\n\n\n\n<p>\u800c\u904e\u53bb\u4e00\u5e74\u7684\u8868\u73fe\u4ee4\u4eba\u5370\u8c61\u6df1\u523b\uff0c\u4e0a\u6f32\u4e86 150% \u4ee5\u4e0a\u3002\u4f46\u7531\u65bcIPO\u5f8c\u516c\u53f8\u80a1\u50f9\u4e00\u8def\u4e0b\u8dcc\uff0c\u56e0\u6b64\u622a\u81f32024\u5e745\u6708\u70ba\u6b62\uff0c\u80a1\u50f9\u4e5f\u53ea\u4e0d\u904e\u56de\u5230\u516c\u53f82021\u5e74\u7576\u521d\u4e0a\u5e02\u6642\u7684\u50f9\u4f4d\u800c\u5df2\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BC%B0%E5%80%BC\"><\/span>\u4f30\u503c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2024\u5e745\u6708\u70ba\u6b62\uff0c\u5e02\u503c\u70ba1091.4\u5104\u7f8e\u91d1\uff0c\u672c\u76ca\u6bd4\u70ba44.81\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%AC%E5%8F%B8%E4%B8%89%E5%A4%A7%E7%9B%AE%E6%A8%99\"><\/span>\u516c\u53f8\u4e09\u5927\u76ee\u6a19<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B2%B8%E6%AC%BE%E5%A2%9E%E5%8A%A0%E4%B8%80%E5%80%8D\"><\/span>\u8cb8\u6b3e\u589e\u52a0\u4e00\u500d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2023\u5e74\u500b\u4eba\u8cb8\u6b3e\u589e\u52a0\u4e00\u500d\uff0c\u5be6\u73fe\u7b2c\u4e00\u500b\u76ee\u6a19\u3002\u96a8\u8457\u5b83\u5438\u5f15\u66f4\u591a\u7684\u5b58\u6b3e\uff0c\u9019\u70ba\u5168\u9762\u64f4\u5927\u696d\u52d9\u92ea\u5e73\u4e86\u9053\u8def\uff0c\u589e\u52a0\u4e86\u6de8\u5229\u606f\u6536\u5165\u548c\u8cb8\u6b3e\u7522\u54c1\uff0c\u4e26\u8207\u9019\u4e9b\u5ba2\u6236\u5efa\u7acb\u4e86\u9577\u671f\u5408\u4f5c\u95dc\u4fc2\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%8F%96%E4%BB%A3%E5%A4%A7%E5%9E%8B%E5%82%B3%E7%B5%B1%E9%8A%80%E8%A1%8C\"><\/span>\u53d6\u4ee3\u5927\u578b\u50b3\u7d71\u9280\u884c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u81f3\u65bc\u7b2c\u4e8c\u500b\u76ee\u6a19\uff0cNubank \u6700\u521d\u662f\u5728\u50b3\u7d71\u4e0a\u9280\u884c\u670d\u52d9\u4e0d\u8db3\u7684\u5730\u5340\u53d6\u4ee3\u5927\u578b\u50b3\u7d71\u9280\u884c\u3002\u5176\u4f4e\u8cbb\u7528\u7522\u54c1\u5c0d\u5927\u773e\u5f88\u6709\u5438\u5f15\u529b\uff0c\u4f46\u5b83\u4e5f\u5438\u5f15\u4e86\u5c0b\u6c42\u6613\u65bc\u4f7f\u7528\u7684\u6578\u4f4d\u91d1\u878d\u670d\u52d9\u7684\u66f4\u5ee3\u6cdb\u5e02\u5834\u7684\u6ce8\u610f\uff0c\u4e26\u4e14\u8a72\u516c\u53f8\u6b63\u5728\u64f4\u5927\u5c0d\u66f4\u5bcc\u88d5\u4eba\u7fa4\u7684\u63a7\u5236\u3002 2023 \u5e74\u7b2c\u56db\u5b63\u5ea6\uff0c\u9762\u5411\u8a72\u53d7\u773e\u7684 Ultraviolet \u4fe1\u7528\u5361\u4ea4\u6613\u91cf\u5e74\u589e\u4e86\u4e00\u500d\u591a\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%93%B4%E5%A4%A7%E5%B7%B4%E8%A5%BF%EF%BC%8C%E5%A2%A8%E8%A5%BF%E5%93%A5%E5%92%8C%E5%93%A5%E5%80%AB%E6%AF%94%E4%BA%9E%E6%A5%AD%E5%8B%99\"><\/span>\u64f4\u5927\u5df4\u897f\uff0c\u58a8\u897f\u54e5\u548c\u54e5\u502b\u6bd4\u4e9e\u696d\u52d9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nu \u78ba\u5b9a\u4e86\u9032\u5165 2023 \u5e74\u7684\u4e09\u500b\u76ee\u6a19\uff1a\u64f4\u5927\u5df4\u897f\u7684\u8cb8\u6b3e\u696d\u52d9\u3001\u589e\u52a0\u5c0d\u5df4\u897f\u9ad8\u7aef\u5e02\u5834\u7684\u53c3\u8207\u5ea6\u4ee5\u53ca\u589e\u52a0\u58a8\u897f\u54e5\u548c\u54e5\u502b\u6bd4\u4e9e\u7684\u672c\u5e63\u5b58\u6b3e\u3002<\/p>\n\n\n\n<p>\u70ba\u4e86\u5be6\u73fe\u7b2c\u4e09\u500b\u76ee\u6a19\uff0c\u53bb\u5e745 \u6708\uff0c\u5b83\u5728\u58a8\u897f\u54e5\u958b\u8a2d\u4e86\u5b58\u6b3e\u5e33\u6236\u7684\u65b0\u670d\u52d9\uff0c\u5169\u500b\u6708\u5167\u5b58\u6b3e\u5c31\u7ffb\u4e86\u4e00\u500d\uff0c\u9054\u523010 \u5104\u7f8e\u5143\u4ee5\u4e0a\uff0c\u6bd4\u5728\u5df4\u897f\u5be6\u73fe\u9019\u4e00\u76ee\u6a19\u7684\u901f\u5ea6\u5feb\u4e86\u4e09\u500d\u3002\u8a72\u7522\u54c1\u53bb\u5e74 12 \u6708\u624d\u5728\u54e5\u502b\u6bd4\u4e9e\u7372\u5f97\u76e3\u7ba1\u90e8\u9580\u6279\u51c6\uff0c\u4e26\u65bc 1 \u6708\u63a8\u51fa\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%8C%91%E6%88%B0%E5%92%8C%E9%A2%A8%E9%9A%AA\"><\/span>\u6311\u6230\u548c\u98a8\u96aa<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%9C%89%E6%88%90%E7%82%BABlock%E6%88%96%E8%B2%9D%E5%AF%B6%E7%9A%84%E6%BD%9B%E5%8A%9B\"><\/span>\u6709\u6210\u70baBlock\u6216\u8c9d\u5bf6\u7684\u6f5b\u529b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5982\u679cNubank\u5728\u4e00\u5207\u689d\u4ef6\u914d\uff0c\u516c\u53f8\u6301\u7e8c\u7d93\u71df\u9806\u5229\uff0c\u52a0\u4e0a\u62c9\u4e01\u7f8e\u6d32\u7684\u6574\u9ad4\u74b0\u5883\u6539\u5584\uff0c\u6216\u8a31Nubank\u300c\u6709\u6a5f\u6703\uff08\u4f46\u4e0d\u4e00\u5b9a\u6703\u767c\u751f\uff09\u300d\u6210\u70ba\u62c9\u4e01\u7f8e\u6d32\u7684\u7248\u672c\u7684Block\uff08\u820a\u540dSquare\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aXYZ\uff09\u6216\u8c9d\u5bf6\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aPYPL\uff09\u7684\u6f5b\u529b\u3002<\/p>\n\n\n\n<p>\u95dc\u65bcBlock\u548c\u8c9d\u5bf6\u9019\u5169\u5bb6\u76ee\u524d\u5168\u7403\u898f\u6a21\u6700\u5927\u7684\u91d1\u878d\u79d1\u6280\u696d\u8005\uff0c\u8acb\u53c3\u898b\u6211\u524d\u7684\u5e7e\u7bc7\u8cbc\u6587\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/12\/%e6%82%a8%e6%87%89%e8%a9%b2%e8%aa%8d%e8%ad%98square%e9%80%99%e5%ae%b6%e4%bc%81%e6%a5%ad\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u60a8\u61c9\u8a72\u8a8d\u8b58Square\u9019\u5bb6\u4f01\u696d\uff08\u516c\u53f8\u540d\u7a31\u5df2\u6539\u70baBlock\uff09<\/a>\u300b<\/li>\n\n\n\n<li><a href=\"https:\/\/www.granitefirm.com\/blog\/stocks\/us-stocks\/square%e4%bd%b5%e8%b3%bcafterpay%e7%9a%84%e9%87%8d%e8%a6%81%e6%80%a7\/\">\u300a Block\u70ba\u4f55\u9245\u8cc7\u4f75\u8cfcAfterpay\uff1f\u300b<\/a><\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%E7%9B%AE%E5%89%8D%E6%9C%80%E7%81%AB%E7%B4%85%E7%9A%84%E6%B6%88%E8%B2%BB%E4%BF%A1%E8%B2%B8%E6%96%B9%E5%BC%8Fbnpl\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u76ee\u524d\u6700\u706b\u7d05\u7684\u6d88\u8cbb\u4fe1\u8cb8\u65b9\u5f0fBNPL<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/01\/%E8%B2%9D%E5%AF%B6%EF%BC%88paypal%EF%BC%89%E7%9B%AE%E5%89%8D%E7%9A%84%E7%B6%93%E7%87%9F%E5%9B%B0%E5%A2%83\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u8c9d\u5bf6\uff08PayPal\uff09\u76ee\u524d\u7684\u5371\u6a5f\u548c\u5438\u5f15\u529b<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/22\/%E7%82%BA%E4%BB%80%E9%BA%BC%E8%B2%9D%E5%AF%B6paypal%E8%82%A1%E5%83%B9%E8%87%AA%E9%AB%98%E9%BB%9E%E6%9A%B4%E8%B7%8C%E4%BA%86%E8%BF%9140\/\">\u70ba\u4ec0\u9ebc\u8c9d\u5bf6\uff08PayPal\uff09\u80a1\u50f9\u81ea\u9ad8\u9ede\u66b4\u8dcc42%\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/07\/16\/%E7%82%BA%E4%BB%80%E9%BA%BC%E7%94%A8paypal%E8%B2%B7%E6%AF%94%E7%89%B9%E5%B9%A3%E4%B8%8D%E6%98%AF%E5%80%8B%E5%A5%BD%E4%B8%BB%E6%84%8F\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u70ba\u4ec0\u9ebc\u7528\u8c9d\u5bf6\uff08PayPal\uff09\u8cb7\u6bd4\u7279\u5e63\u4e0d\u662f\u500b\u597d\u4e3b\u610f\uff1f<\/a>\u300b<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%8C%91%E6%88%B0\"><\/span>\u6311\u6230<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5f9e\u76ee\u524d\u64c1\u6709\u7684\u7528\u6236\u6578\u91cf\u800c\u8a00\uff0cNubank\u5df2\u7d93\u8fc5\u901f\u5d1b\u8d77\u6210\u70ba\u4e16\u754c\u6700\u5927\u6578\u4f4d\u9280\u884c\uff0c\u4f46\u96a8\u8457\u696d\u52d9\u7684\u5feb\u901f\u64f4\u5c55\u5e36\u4f86\u7684\u8ca1\u52d9\u8667\u640d\u3001\u7db2\u7d61\u5b89\u5168\u4ee5\u53ca\u50b3\u7d71\u9280\u884c\u548c\u65b0\u578b\u516c\u53f8\u7af6\u722d\u52a0\u5287\u7b49\u554f\u984c\u4e9f\u5f85\u89e3\u6c7a\uff0c\u5982\u4f55\u4fdd\u8b49\u672a\u4f86\u7684\u6301\u7e8c\u76c8\u5229\u80fd\u529b\u4e5f\u662fNubank\u601d\u8003\u7684\u91cd\u9ede\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%B8%8D%E7%A9%A9%E5%AE%9A%E7%9A%84%E6%8B%89%E4%B8%81%E7%BE%8E%E6%B4%B2\"><\/span>\u4e0d\u7a69\u5b9a\u7684\u62c9\u4e01\u7f8e\u6d32<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u62c9\u4e01\u7f8e\u6d32\u7684\u78ba\u63d0\u4f9b\u5f88\u591a\u6a5f\u6703\uff0c\u4f46\u662f\u9019\u500b\u5730\u5340\u4ee5\u4e0d\u7a69\u5b9a\u7684\u793e\u6703\uff0c\u9a5a\u4eba\u7684\u901a\u81a8\uff0c\u9ad8\u7684\u5687\u4eba\u7684\u5931\u696d\u7387\uff0c\u4ee5\u53ca\u4ee4\u4eba\u4e0d\u6562\u9818\u6559\u7684\u532f\u7387\u800c\u805e\u540d\u65bc\u4e16\u3002\u9019\u4e9b\u56e0\u7d20\uff0c\u6bcf\u4e00\u9805\u90fd\u662f\u4f01\u696d\u7d93\u71df\u7684\u91cd\u5927\u4e0d\u5229\u56e0\u7d20\uff0c\u6295\u8cc7\u4eba\u4e0d\u53ef\u4e0d\u614e\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"217\" height=\"120\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2024\/05\/Nubank-Custom.jpg\" alt=\"Nubank\" class=\"wp-image-49704\"\/><figcaption class=\"wp-element-caption\">credit: Wiki<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"block-644fb63a-db84-4f7b-b532-7fcd58ac620c\"><span class=\"ez-toc-section\" id=\"%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\"><\/span>\u76f8\u95dc\u6587\u7ae0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%E5%A6%82%E4%BD%95%E8%B3%BA%E9%8C%A2\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5df4\u83f2\u7279\u6301\u6709\u7684Nubank\u5982\u4f55\u8cfa\u9322\uff1f\u512a\u52e2\u70ba\u4f55\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/03\/%e5%b7%b4%e8%8f%b2%e7%89%b9%e6%8c%81%e6%9c%89%e7%9a%84%e9%9b%aa%e8%8a%b1%e7%a9%b6%e7%ab%9f%e6%98%af%e5%ae%b6%e4%bb%80%e9%ba%bc%e6%a8%a3%e7%9a%84%e7%a7%91%e6%8a%80%e5%85%ac%e5%8f%b8%ef%bc%9f\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5df4\u83f2\u7279\u6301\u6709\u7684\u96ea\u82b1\uff08Snowflake\uff09\u7a76\u7adf\u662f\u5bb6\u4ec0\u9ebc\u6a23\u7684\u79d1\u6280\u516c\u53f8\uff1f\u5b83\u7684\u50f9\u503c\u5728\u90a3\u88e1\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/12\/23\/%e5%86%8d%e8%ab%96%e9%9b%aa%e8%8a%b1%e7%9a%84%e7%ab%b6%e7%88%ad%e5%8a%9b\/\">\u6df1\u5165\u5256\u6790\u96ea\u82b1\uff08Snowflake\uff09\u7684\u7af6\u722d\u529b<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/07\/27\/%E7%9B%B8%E4%BF%A1%E6%88%90%E5%8A%9F%E6%8A%95%E8%B3%87%E4%BA%BA%E6%98%AF%E5%80%96%E5%AD%98%E8%80%85%E5%81%8F%E8%AA%A4%E7%9A%84%E4%BA%BA%E4%B8%8D%E5%8F%AF%E8%83%BD%E6%88%90%E5%8A%9F\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/06\/17\/%E6%9B%BE%E7%B6%93%E5%B7%B4%E8%8F%B2%E7%89%B9%E5%92%8C%E8%92%99%E6%A0%BC%E9%83%BD%E8%AE%9A%E8%AD%BD%E6%9C%89%E4%BD%B3%E7%9A%84%E9%87%8D%E8%A6%81%E6%8C%81%E8%82%A1%E5%AF%8C%E5%9C%8B%E9%8A%80%E8%A1%8C\/\">\u5bcc\u570b\u9280\u884c\u5982\u4f55\u8cfa\u9322\uff1f\u66fe\u7d93\u5df4\u83f2\u7279\u548c\u8499\u683c\u90fd\u8b9a\u8b7d\u6709\u52a0\u7684\u91cd\u8981\u6301\u80a1<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/01\/02\/%e6%8b%89%e4%b8%81%e7%be%8e%e6%b4%b2%e7%9a%84%e9%9b%bb%e5%95%86%e9%9c%b8%e4%b8%bbmercadolibre\/\">\u62c9\u4e01\u7f8e\u6d32\u7684\u96fb\u5546\u9738\u4e3b\u81ea\u7531\u5e02\u5834\uff08\u7f8e\u5361\u591a\uff0cMercadoLibre\uff09<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/09\/12\/%E4%BA%9E%E9%A6%AC%E9%81%9C%E7%84%A1%E6%B3%95%E6%93%8A%E6%95%97%E7%9A%84%E8%87%AA%E7%94%B1%E5%B8%82%E5%A0%B4%E7%BE%8E%E5%8D%A1%E5%A4%9A\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u81ea\u7531\u5e02\u5834\uff08\u7f8e\u5361\u591a\uff0cMercadoLibre\uff09\u662f\u4e9e\u99ac\u905c\u5c11\u6578\u7121\u6cd5\u64ca\u6557\u7684\u96fb\u5546\uff0c\u70ba\u4f55\u6301\u7e8c\u80fd\u4ea4\u51fa\u597d\u6210\u7e3e\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/12\/%e6%82%a8%e6%87%89%e8%a9%b2%e8%aa%8d%e8%ad%98square%e9%80%99%e5%ae%b6%e4%bc%81%e6%a5%ad\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u60a8\u61c9\u8a72\u8a8d\u8b58Square\u9019\u5bb6\u4f01\u696d\uff08\u516c\u53f8\u540d\u7a31\u5df2\u6539\u70baBlock\uff09<\/a>\u300b<\/li>\n\n\n\n<li><a href=\"https:\/\/www.granitefirm.com\/blog\/stocks\/us-stocks\/square%e4%bd%b5%e8%b3%bcafterpay%e7%9a%84%e9%87%8d%e8%a6%81%e6%80%a7\/\">\u300a Block\u70ba\u4f55\u9245\u8cc7\u4f75\u8cfcAfterpay\uff1f\u300b<\/a><\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/02\/10\/sezzle\/\">Sezzle\u5982\u4f55\u8cfa\u9322\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%E7%9B%AE%E5%89%8D%E6%9C%80%E7%81%AB%E7%B4%85%E7%9A%84%E6%B6%88%E8%B2%BB%E4%BF%A1%E8%B2%B8%E6%96%B9%E5%BC%8Fbnpl\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u76ee\u524d\u6700\u706b\u7d05\u7684\u6d88\u8cbb\u4fe1\u8cb8\u65b9\u5f0fBNPL<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/01\/%E8%B2%9D%E5%AF%B6%EF%BC%88paypal%EF%BC%89%E7%9B%AE%E5%89%8D%E7%9A%84%E7%B6%93%E7%87%9F%E5%9B%B0%E5%A2%83\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u8c9d\u5bf6\uff08PayPal\uff09\u76ee\u524d\u7684\u5371\u6a5f\u548c\u5438\u5f15\u529b<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/22\/%E7%82%BA%E4%BB%80%E9%BA%BC%E8%B2%9D%E5%AF%B6paypal%E8%82%A1%E5%83%B9%E8%87%AA%E9%AB%98%E9%BB%9E%E6%9A%B4%E8%B7%8C%E4%BA%86%E8%BF%9140\/\">\u70ba\u4ec0\u9ebc\u8c9d\u5bf6\uff08PayPal\uff09\u80a1\u50f9\u81ea\u9ad8\u9ede\u66b4\u8dcc42%\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/07\/16\/%E7%82%BA%E4%BB%80%E9%BA%BC%E7%94%A8paypal%E8%B2%B7%E6%AF%94%E7%89%B9%E5%B9%A3%E4%B8%8D%E6%98%AF%E5%80%8B%E5%A5%BD%E4%B8%BB%E6%84%8F\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u70ba\u4ec0\u9ebc\u7528\u8c9d\u5bf6\uff08PayPal\uff09\u8cb7\u6bd4\u7279\u5e63\u4e0d\u662f\u500b\u597d\u4e3b\u610f\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/01\/04\/%E5%8A%A0%E5%AF%86%E8%B2%A8%E5%B9%A3etf%E6%8E%A8%E5%8B%95%E7%9B%B8%E9%97%9C%E4%BC%81%E6%A5%AD%E5%A4%A7%E6%BC%B2\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u52a0\u5bc6\u8ca8\u5e63ETF\u63a8\u52d5\u76f8\u95dc\u4f01\u696d\u5927\u6f32<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/03\/12\/%E6%AF%94%E7%89%B9%E5%B9%A3%E5%86%8D%E6%94%80%E9%AB%98%E5%B3%B0%E7%9A%84%E5%8E%9F%E5%9B%A0\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6bd4\u7279\u5e63\u518d\u6500\u9ad8\u5cf0\u7684\u555f\u793a<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/03\/02\/%e7%be%8e%e5%9c%8b%e7%b5%82%e6%96%bc%e9%96%8b%e6%94%be%e6%af%94%e7%89%b9%e5%b9%a3etf%e7%8f%be%e8%b2%a8%e4%ba%a4%e6%98%93\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u7f8e\u570b\u6838\u6dee\u6bd4\u7279\u5e63ETF\u73fe\u8ca8\u4ea4\u6613\u5f71\u97ff\u6df1\u9060<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/12\/28\/coinbase%e5%92%8c%e5%b9%a3%e5%ae%89%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2%e5%84%aa%e5%8b%a2%e7%9a%84%e6%af%94%e8%bc%83\/\" target=\"_blank\" rel=\"noreferrer noopener\">Coinbase\u548c\u5e63\u5b89\uff08Binance\uff09\u5982\u4f55\u8cfa\u9322\uff1f\u96d9\u65b9\u512a\u52e2\u7684\u6bd4\u8f03<\/a>\u300b<\/li>\n<\/ul>\n\n\n\n<p><em><strong>\u91cd\u8981\u8072\u660e<\/strong><\/em><\/p>\n\n\n\n<ul 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