Lucky的赌注：返现拉人进来，信贷做成生意

做的是什么生意

Lucky is an Egyptian consumer fintech that started as an app for offers, discounts and cashback usable in person and online across more than 20,000 local and global brands, then added consumer credit: instalments and flexible financing, a payments card, and infrastructure being prepared for PSP licensing and neo-banking.

启动资金：$25M Series A announced March 2022, led by Nclude Fintech Fund by Global Ventures with PayU, Endeavor Catalyst, Venture Souq, OTF Jasoor Ventures, Arzan Capital and Disruptech Ventures. A $23M Series B closed April 2026, mixing equity and debt, led by Disruptech Ventures and DPI Venture Capital via Nclude, with Suez Canal Bank and OneStop as strategic participants.

起因

Momtaz Moussa and Ayman Essawy founded Lucky in 2018, betting that a young, largely unbanked population in a cash-dominated economy would adopt an app that paid them back: cashback, offers and discounts across brands they already shopped. By the March 2022 Series A, the founders described MENA's unbanked youth and cash economy as the market opportunity the round was built to capture.

经过

Lucky grew to more than eight million registered users and Egypt's largest merchant network, with 250% year-on-year GMV growth by early 2022, and expanded into Morocco. The $25M Series A led by Nclude was earmarked to build out credit capabilities and market share; through 2025 the company reported 3x annual growth and reached profitability by the end of the year.

结果

In April 2026 Lucky closed a $23M Series B combining equity and debt, led by Disruptech Ventures and DPI Venture Capital via Nclude, with Suez Canal Bank and OneStop joining; tech investor Mohamed Farouk was appointed chairman. The round funds scaling credit across North Africa plus infrastructure and PSP-licensing work toward a neo-banking-ready platform, as Egypt's central bank pushes digital onboarding and financial inclusion.

可借鉴之处

先让自己成为日常习惯：Lucky的奖励网络是获客引擎，当公司转向信贷时，它产生的交易数据成了风控优势。