Giới thiệu
Revolut là neobank UK, thành lập 2015. 35M+ users, $1.8B revenue/năm, valuation $33B. Sản phẩm: multi-currency account, FX at interbank rate, stock/crypto trading, travel insurance, vaults (savings). Mô hình: freemium + Premium £7/month + Metal £13/month. Revenue: interchange fee, FX markup (0.5% weekend), subscriptions.
Case Study
User travel châu Âu: spend 10 currencies, FX at spot rate (save 3-5% vs banks). Revolut Business: 500K SMBs, multi-currency invoicing, corporate cards. Crypto trading: buy Bitcoin in-app, 0.5% fee. Kết quả: 35M users, $1.8B revenue, valuation $33B unicorn.