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美国支付宝”都要上市了,蚂蚁能否东山再起

被高通胀和美联储加息潮压得喘不过气的美国科技股,迎来了久违的好消息。

最像蚂蚁集团的Stripe,要抢先上市了。

被高通胀和美联储加息潮压得喘不过气的美国科技股,迎来了久违的好消息。 

据《华尔街日报》1月28日最新爆料,支付巨头Stripe两位联席创始人Patrick  Collison和John collision已告知员工,公司的目标是在未来12个月内上市,或允许员工在私募市场出售所持股权。另据CNBC等多家媒体报道,Stripe已聘请高盛和摩根大通两家顶级投行评估上市前景,并和潜在投资者磋商新一轮融资。 

过去一年,美股IPO热度暴跌,所有投行、投资者都在等待一个振奋人心的标的出现。Stripe若能顺利上市,对于寒冬中的美国科技股必然是一次鼓舞。反过来讲,距离上市仍有一段距离的蚂蚁集团等竞品,则将感受到更大的压力。 

这家并不算高调的金融独角兽,如何一步步成为硅谷最值得期待的IPO?Stripe的前景真的是一片光明吗?现在真的是上市的好时机吗? 

要解答这些问题,或许我们应该好好回顾一下Stripe的发家史,以及当下的支付行业格局。 

(图片来自UNsplash) 

深得中小企业喜爱,便捷是Stripe最大优点

2010年,来自爱尔兰的Patrick  Collison和John collision兄弟创立Stripe。在谈及自己的创业灵感时,哥哥Patrick谈到了自己在MIT上学期间的一段兼职经历。 

“当时我会帮一些公司开发iPhone APP帮补学费。当时我就意识到,移动互联网的服务器已经相当便利,开发APP是一件很简单的事。既然这样,为什么我们不做一款自己的应用呢?” 

在确定要自主创业之后,Patrick很快拉来了自己的合伙人:他的弟弟John和几个同样具备技术背景的老朋友。接下来,这个小小的初创团队没花多长时间就找到了创业的方向——支付,而且是面向B端的支付应用。 

之所以萌生这个念头,也是来自Patrick对当时的美国和欧洲移动互联生态的观察。 

“在我们这边(欧洲),移动互联网公司几乎所有项目都对准C端消费者,美国很多面向B端开发者的基础设施、服务企业在国内都没有可以对标的公司。在吃喝玩乐之外,我们其实还有别的方向可以尝试。” 

在价值研究所(ID:jiazhiyanjiusuo)看来,这一段创业经历和Patrick本人敏锐触觉,某种程度上已经奠定了Stripe的企业文化和竞争优势: 为客户提供最便捷也最迫切所需的服务,填补市场的缺口。

Patrick曾向媒体表示,十年前的线上支付环境对中小企业十分不友好。除了PayPal之外,市面上虽然还有VISA、Google Pay等一系列支付工具,但各家企业互筑高墙,生态并不相通。此外,消费者的支付渠道是广泛且分散的,一家企业要想接入所有支付入口要付出一笔不菲的费用。 

在Stripe创立之前,PayPal是应用最广泛的支付工具,但其业务重心在C端,B端商家却得不到足够的支持。此时又正值电商、游戏等互联网风口蓬勃发展的阶段,中小型企业线上支付需求一直在增长,B端市场持续扩容——这一系列因素共同作用下,Patrick看到了新的商机。 

和PayPal等老巨头相比,Stripe最大的特点是兼容性强和性价比高。 后者提供的API接口可以支持跨平台交易,对于资金有限、不愿意为支付接口付出太大成本的中小型企业相当友好。此外,Stripe上线后一直维持低至2.9%服务费率和30美分的手续费,最大限度减轻企业负担。 

Patrick在日后阐述Stripe的技术运作理念时,也将便捷视作主要特点——就和他大学兼职时开发的那些APP一样。

“我们希望让企业以最便捷的方式使用线上支付功能。大部分企业只需要在自己的网站中添加简单的几列代码,就可以连接到Stripe的支付系统。” 

某种程度上讲,Stripe不只是一个传统支付应用,还是一个支付行业的SaaS服务商,或者说聚合支付平台。通过低门槛的代码技术为合作商家搭建线上支付系统,Stripe逐渐打造了一个庞大的企业生态,大量中小企业投入其怀抱。 

根据Stripe官方公布的数据,自从2020年疫情爆发以来,欧洲有超过20万家新成立的企业注册了Stripe,其支付系统全年平均每秒处理5000个支付需求。而在积累了一定的实力之后,Stripe也将触角伸向大型企业,逐步蚕食PayPal等老玩家的地盘。 

截止目前,包括亚马逊、Shopify和Instacart等电商平台,还有Salesforce等SaaS服务商,Zoom等移动办公平台和Lyft为代表的出行平台都已经接入了Stripe的服务。 

(图片来自Stripe官网) 

根据Datanyze的统计,截止2022年一季度,Stripe在全球支付市场的份额达到15.39%,继续逼近PayPal,和占有率已不足3%的Square拉开了很大差距。有这些成绩作为基础,融资、上市对Stripe来说自然是顺理成章。 

15轮融资过后,上市是Stripe的唯一选择?

让我们回到最初的话题——现在是Stripe上市的好时机吗? 

虽然Stripe成立以来一直顺风顺水,但现在的情形或许并没有那么乐观。 

一方面,Stripe和其他互联网巨头一样存在过度扩张的问题,也无法逃过席卷硅谷的裁员潮。

去年11月,Stripe被爆将裁员14%,涉及近1000名员工。两位创始人还在内部公开信中表示,2023年的招聘计划也会受到市场环境恶化的影响,预计将进一步收缩招聘名额。 

另一方面,观察其发展还可以发现,在早前几轮融资阶段Stripe估值一直呈高速增长状态。 再联想到该时期科技股极为夸张的市盈率,Stripe难免也会存在估值泡沫——以当前的科技股走势,Stripe若匆忙上市恐怕难以实现最佳估值。

数据显示,在成立次年Stripe估值已达到8200万美元,并在2012年成功破亿。到2014年,其估值一年之内完成三级跳,从年初的17.5亿美元一路涨至年底的36亿美元。 

随后两年Stripe保持低调,等到2019年完成F轮融资时估值已经膨胀至225亿美元,并在两年后以950亿美元的估值成为硅谷最大独角兽,直到后来被马斯克的SpaceX超越。 

不过如今,互联网大环境恶化,Stripe的估值神话也到了破灭的时刻。去年7月,有消息称Stripe通知员工将内部股票价格从40美元/股下调至29美元/股,对应的估值则较H轮融资时期下降28%至740亿美元。 

与此同时,蚂蚁集团、PayPal以及更名后的Square等支付巨头,日子同样不好过。截至发稿时,PayPal的市值约为930亿美元,较高点跌超80%;普信集团和富达投资为蚂蚁集团开出的最新估值分别仅有1120亿和700亿美元,较巅峰期不止砍半;Square甚至成为对冲基金的猎物,面临被恶意收购的威胁。 

乍一看,现在确实不是Stripe最佳上市时机。但在残酷的资本游戏中,是否上市、何时上市,也不是Stripe自己,或者Patrick、John兄弟俩可以决定的事情—— 幕后复杂的资本博弈,正把Stripe推向艰难抉择的分岔路。

不算传闻中的新一轮融资,自成立以来Stripe总计已完成了15轮融资,总融资金额达到22亿美元。从所有公开的融资事件来看,红杉资本、General Catalyst、Andreessen Horowitz三个大鳄都是其忠实支持者。 

其中,红杉资本几乎参与了Stripe包括种子轮在内的所有融资,2011年的种子轮和2012年的A轮融资中都是唯一领投方。此外,General Catalyst和Andressen Horowitz分别参与了Stripe的六轮和四轮融资。在2020年4月,Stripe完成了有史以来规模最大的8.5亿美元G轮融资,这三家机构就全部参与领投。 

由此不难推测,红杉资本、General Catalyst和Andreessen Horowitz在Stripe的股权结构中必然占据重要地位。 Stripe下一阶段的发展规划以及上市时间表,也很大程度上要考虑这几位大股东的意愿和利益。 

值得一提的是,红杉资本在过去一年的投资收益遭遇了不少考验,尤其是受到币圈暴雷的影响。中国基金报的统计就显示,光是FTX的流动性危机就已经导致红杉资本亏损超2亿美元。 

从这个角度讲,在其他领域受挫的资本大鳄需要Stripe提振业绩,Stripe自然也有义务给股东们一个交代。更何况,在连续完成15轮融资之后,一级市场恐怕很难继续为Stripe提供支援,登陆二级市场似乎是没有选择的选择——即便现在并非最佳时机。 

当然,在线支付已经成为市场刚需,即便目前正值互联网寒冬,我们也不必对Stripe的上市前景过于悲观。 往好的方面想,如今PayPal、Square股价暴跌,前者和Stripe的估值差距极小。若能交出一份出色的业绩作为支撑,或许Stripe真有希望成为支付行业的新霸主。 

不过另一个同样在等待上市的支付巨头——蚂蚁集团,可能就会变得更加紧张了。 

整改告一段落,蚂蚁能否重整河山?

在此前很长一段时间,蚂蚁集团都是支付行业最被看好的独角兽。但在冲击IPO失败并进入漫长的整改期之后,蚂蚁深陷泥淖,也失去了资本的厚爱。 

今年1月初,蚂蚁集团发布公告,宣布引入第五名独立董事、调整股东上层结构和投票权,马云所持股票的表决权从53.46%大幅下降到6.208%,退出蚂蚁集团实控人行列。数日之后,央行金融市场司相关负责人在新闻发布会上表示,蚂蚁集团等14家大型平台企业的金融业务整改基本完成。 

这一系列变化背后,蚂蚁集团完成整改、重启上市的猜测再次升温。不过现阶段蚂蚁对上市一事态度暧昧,也没有对外界的热切期盼作出回应。反倒是大洋彼岸的Stripe一路高歌猛进,成为资本市场最为关注的目标。 

不过在价值研究所(ID:jiazhiyanjiusuo)看来,蚂蚁集团不可能一直低调下去—— 特别要注意的是,蚂蚁已经紧随阿里的步伐加速向海外扩张,将来难免会和Stripe、PayPal等产生更多正面冲突。

去年4月,蚂蚁集团宣布战略投资支付平台2C2P。国际业务总裁赵颖表示,这次合作主要目的是蚂蚁集团加速商家数字化转型,在海外市场打造数字生态。其言下之意很明确:蚂蚁将会为海外业务投入更多资源。 

其中,东南亚和欧洲——即Stripe两位创始人的故乡,都是蚂蚁集团重点开发对象。2020年,蚂蚁集团推出了Alipay全球跨境移动支付解决方案,接入了韩国、菲律宾等亚洲国家和地区的数十个支付软件。到2022年,Alipay在欧洲加紧扩张,光是一季度就在德国、奥地利等国家接入了数万家中小商家。 

从经营模式来看,Alipay和Stripe相似度极高,都走聚合支付路线,整合了大量电子钱包、打通支付壁垒。这种跨平台、跨生态的便捷支付通道,是中小商家的不二之选,也让Alipay成为Stripe的劲敌。 

根据蚂蚁集团公布的官方数据,目前Alipay已经覆盖超过100万家企业客户和10亿消费者。 正如当初Stripe以闪电战突袭PayPal一样,蚂蚁集团也在极短的时间内杀入了Stripe的心脏地带。

Stripe的优点,前文已有详细叙述。至于蚂蚁集团,在大规模杀向B端和海外市场的情况下,也有自己的王牌—— 背靠阿里这个电商巨无霸及其背后的丰富商家资源。

有意思的是,Stripe当初的崛起,也和电商的兴起有很大关系,并成功抱上了亚马逊和Shopify这两条大腿。如今的阿里电商,同样一头扎进出海大潮中,将跨境业务作为未来几年的重点。 

阿里官方公布的数据显示,过去三年阿里国际站GMV、支付买家和活跃买家数的同比增速都超过100%。再加上重金押注的Lazada等跨境项目,阿里掌握的商家资源之丰富可见一斑。 

支付和电商一直以来都是相辅相成、互相成就的关系,支付宝和淘系电商如此,未来的Alipay和Lazada、阿里国际站相信也会如此。 

毫无疑问,蚂蚁出海有自己的底气,但Stripe这十多年来积累的经验、资源和市场份额也不容小觑。新的支付战事,正在拉开序幕。 

写在最后

在线支付可以说是移动互联网时代最出色的产物之一,其出现彻底颠覆了自货币诞生以来延续至二十一世纪初,以线下支付为主的支付场景。Stripe、PayPal也好,蚂蚁集团也罢,都是这股支付改革浪潮的缔造者,也是受益者。 

虽然我们不知道这几家巨头日后的竞争孰胜孰负,更无法猜测支付行业还会不会出现新的潮流,但只要它们能秉持一贯的创新精神,为用户、企业创造更便捷和安全的支付环境,就足以令外界满意。 

就像Patrick Collison曾说过的那样,一家优秀的科技企业应该具备三个特质:责任心、善意和人文关怀精神。 

“我对自己的要求就是能成为一个非典型的‘人文型’工程师。这个世界在过去二十多年里发生了‘爆炸式’的改变,我能做的只是确保自己在做对的事情。” 


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