Water drop chip will be on the market! The valuation is as high as $4 billion

category:Finance
 Water drop chip will be on the market! The valuation is as high as $4 billion


According to external analysis, listing can help shuidi company to raise a large amount of capital to compete with Alibaba Groups ant group in the field of Internet insurance.

Shuidi company claims that the number of independent payment users of the whole platform exceeds 250 million, and the mutual insurance of ant, one of its biggest rivals, has 106 million users.

It has only been established for four years, and its fund-raising amount is far more than that of its competitors

Since its establishment, shuidi company has only a short history of 4 years. Shen Peng, the founder and CEO, was born in 1987 and participated in the establishment of meituan takeout in 2013.

According to official website information, besides Tencent, investors of shuidi company also have meituan review, IDG capital, lighting fund, Gaorong capital and Zhenge fund.

The most famous business of shuidi company is water drop financing and water drop public welfare. There are also shuidi insurance mall and shuidi mutual aid. Among them, droplet insurance holds insurance broker license and has online marketing qualification. According to the official website, it has launched more than 80 insurance products to protect more than 12 million users and is the leader of Internet health insurance platform.

Does water drop raise really not make money?

According to shuidiji app, shuidiji does not charge users any fees, and fully subsidizes the third-party identity verification fees, service fees and audit fees. Patients only need to bear the use costs (0.6% of each donation) incurred by using the third-party payment

In other words, suppose that the caring people give 1000 yuan to the patients project through the third-party payment method. After the third-party payment platform collects the channel fee, the amount of the paid in water drop financing platform is 994 yuan.

In addition, the article also cites industry insiders to point out that the flow of donation users is also the profit channel of shuidi company. Among the 250 million caring people, there should be more than a few who turn into users of shuidi insurance mall, because when faced with the case that they cant afford medical expenses, they will be more likely to transform into users of insurance products.

Shen Peng had previously said that many giants rely more on offline channels to gain customers, but we feel that the opportunity for entrepreneurs is online, and we should first grasp the high flow, and then negotiate with the insurance company to obtain higher commission.

Negative news that cant be avoided

As a black horse in the field of public welfare, water drop financing can not avoid negative news.

In December of last year, some media said that water drop fund-raising personnel were stationed in hospitals in more than 40 cities, and patients were guided to start fund-raising through sweeping the building one by one. In addition, the highest Commission of each order is 150 yuan, and the monthly income is more than 10000 yuan, and there is the last elimination mechanism. At that time, the official response of shuidiji said that this was the illegal phenomenon of individual offline personnel in some areas.

In May last year, a donation message of serious illness initiated in the name of the family member of Wu, a cross-talk actor from Deyun society, appeared on the shuidi funding platform, with a fund-raising target of 1 million yuan. After the help information was sent out, the public questioned Wus family members concealment of family economic status. In response, shuiditi once said that the platform is not qualified to review the car property and real estate of the fund-raising sponsor, but can only require the sponsor to publicly explain his familys economic situation; at present, there is a general lack of legal and effective ways to verify the familys economic situation, such as car property, real estate and deposit. In an article published in mid December of last year, Xinhua News Agency China Internet Affairs named shuidiji, claiming that there are many hidden dangers in online activities of several online crowdfunding platforms. As for the amount of donations received by the online crowdfunding platform every day, and how the platform manages and uses the funds that have been received but not yet withdrawn by the recipients, waterdrop said that the amount information is not convenient to disclose, but the funds are separated from the platforms own funds, and special management and use are implemented. Source: Wall Street news editor: Yang Qian_ NF4425

In May last year, a donation message of serious illness initiated in the name of the family member of Wu, a cross-talk actor from Deyun society, appeared on the shuidi funding platform, with a fund-raising target of 1 million yuan. After the help information was sent out, the public questioned Wus family members concealment of family economic status.

In an article published in mid December of last year, Xinhua News Agency China Internet Affairs named shuidiji, claiming that there are many hidden dangers in online activities of several online crowdfunding platforms. As for the amount of donations received by the online crowdfunding platform every day, and how the platform manages and uses the funds that have been received but not yet withdrawn by the recipients, waterdrop said that the amount information is not convenient to disclose, but the funds are separated from the platforms own funds, and special management and use are implemented.