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[虚拟币交流]
“币圈放贷公司”来了,Figure提交IPO申请,创始人曾是“P2P元老”SoFi CEO
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基于区块链技术的借贷公司Figure Technology Solutions Inc.正式向美国证券交易委员会提交IPO申请,加入加密货币相关企业扎堆上市的浪潮。8月19日,据报道,美国证券交易委员会周一公布的文件显示,Figure在截至6月30日的六个月内实现净利润2910万美元,营收1.906亿美元。这一表现明显好于去年同期1560万美元的净亏损和1.56亿美元的营收。
& R2 o' g' ~+ ]0 `6 p9 Y$ f这一业绩转变反映了公司商业模式的逐步成熟和市场接受度的提升。公司本月早些时候已秘密提交IPO申请,
& e" b9 ], ~& [5 W+ P3 Z: w( B正式公开申请标志着其上市进程的加速) @1 m9 S5 E, c) U! d
。高盛集团、Jefferies金融集团和美国银行将担任此次IPO的主承销商。
0 ~' s3 b* b1 K7 e分析指出,Figure的上市举措反映了加密货币相关企业对传统资本市场的持续渗透,也标志着区块链技术在传统金融服务领域的进一步商业化应用。+ d q# j% e4 }
业务规模与客户质量并重( [' Y9 m. E7 _* [. L: Q: C
IPO申请文件显示,
+ h+ S F9 J5 {9 S+ V2 UFigure已在区块链上促成超过160亿美元的放贷业务,展现出相当不错的业务规模
1 H$ f5 w5 G. c* t7 v。' t6 o- x5 Z! ?7 O9 W
在客户质量方面,2024年由Figure发起或购买的合作伙伴品牌HELOC贷款客户加权平均FICO信用评分为753分,而Figure品牌贷款客户的平均评分为740分。这些数据表明公司服务的客户群体信用状况良好。" M3 w5 |7 n3 M T
在技术应用层面,Figure正在利用人工智能技术优化业务流程。公司使用OpenAI的技术来辅助评估贷款申请,并在网站上部署了由谷歌母公司Alphabet旗下Gemini驱动的聊天机器人。
( j @% |- `- ]Figure的投资者阵容包括Apollo Global Management Inc.、10T Holdings LLC和Ribbit Capital等知名机构。这些投资者的参与为公司提供了资金支持和行业背书。3 u3 G8 ]6 S" }- |$ G% w- `, J
公司在IPO完成后将从目前的FT Intermediate Inc.更名为Figure Technology Solutions。
4 d; V( _6 d) m分析指出,
- ^# ~' O. O3 t- e5 M g. H& UFigure的IPO申请标志着区块链技术在传统金融服务领域商业应用的一个重要里程碑,为投资者提供一个直接参与这一新兴领域的机会
/ _; X# Z: m9 z+ \ ^。
9 |6 }: d. h& h7 ]6 o从SoFi到区块链放贷的转身
! Y% x$ y; o+ o! @/ w) GFigure由Mike Cagney于2018年联合创立。Cagney曾是9 [9 `( L& G# {& C
在线借贷平台SoFi Technologies Inc.的创始团队成员# h+ f2 G: a8 t) ~
,并担任CEO直至2018年离任。
8 y9 \; o' F9 a1 C' i8 {这一背景为Figure带来了深厚的金融科技基因。
% k, _! ]0 z3 F公司在2024年任命Michael Tannenbaum为新任CEO,Cagney则继续在公司发挥重要作用。根据申请文件,
* A( {$ _* f5 {) u w7 CIPO完成后,Cagney预计仍将控制Figure的多数投票权
+ D2 q% S# h- J F+ v。5 b% F% g$ c3 y& |7 m% P5 P
Figure的核心业务是* {" {& r/ _+ W8 c: r8 c
开发区块链技术来促进放贷业务
7 d ~1 m% X6 t( C& g。公司最初专注于房屋净值信贷额度(HELOC)产品,目前业务范围已扩展至6 m( _$ o4 _% Z
加密货币抵押贷款和数字资产交易所等领域
, u G* q% V1 r. p/ `) a。
6 [7 A( ~* g/ Q/ a% K本文来自华尔街见闻,欢迎下载APP查看更多
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这家Figure放贷公司眼看就要IPO了,生意还挺火爆的嘛。 |
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这币圈风起云涌,越来越多公司玩转区块链,Figure IPO意味着生意逐步变大变顺利。 |
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