世界上充满了各种新的软件创意，其中一些可能会产生强大且积极的影响。然而，许多有抱负的创新者都面临着一个重大障碍：他们缺乏编码技能，也没有资源聘请开发人员来实现自己的构想。

Lovable 正通过其 AI 驱动的平台解决这一障碍，释放非程序员的潜力。通过将应用程序开发交到普通人手中，Lovable 使他们能够以以前从未接触过的方式进行创造。用户只需使用简单的自然语言提示，就可以为自己的软件创意生成代码、用户界面和功能。

“开发软件真的很难，”Lovable 的联合创始人 Anton Osika 说。“世界上有百分之一，甚至更少的人，会写代码。其他 99% 的人可能有很好的创意，但却没有执行能力。这就是我们创建 Lovable 的原因——为这些创作者赋能。”

Osika 称，首次使用 Lovable 的用户通常会经历一次“惊叹时刻”，在这一刻，他们会发现，仅通过与 AI 助手简单对话，就可以在几天内构建出复杂的软件，这一过程被称为“氛围编程”。

在从瑞典总部推出 Lovable 时，Osika 希望他的团队专注于开发平台的突破性功能，让用户体验到“惊叹时刻”，而不是为计费系统、支付处理及其他财务基础设施等技术细节操心。这就是为什么 Lovable 选择 Stripe 来提供关键的财务工具，包括支付处理、账单系统，甚至商家注册服务。这使得 Lovable 在不到一年的时间里成为全球最大的 AI 辅助软件开发平台之一。

从“惊叹时刻”到风靡全球

在 Lovable 全球发布之前，Osika 及其团队需要快速建立美国业务实体。传统的公司注册流程，包括文书工作和长达数周的审批时间，这对于团队紧凑的时间线来说并不可行。Lovable 向 Stripe 求助，希望能找到一个对初创公司友好的解决方案，既易于实施，又可支持快速增长和扩大规模。

利用 Stripe Atlas，Lovable 只需几次点击就能在美国注册成立。借助 Atlas，像 Lovable 这样的全球初创公司可在获得雇主识别号 (EIN) 之前，就接入银行和支付服务，从而在两个工作日内开设银行账户、进行融资并实现收入。

在完成公司架构搭建后，Osika 及其团队计划于 2024 年 11 月推出 Lovable 平台。为了在上线后立即实现盈利，Lovable 团队利用 Stripe Billing 快速推出了一系列订阅计划，包括面向个人用户的免费套餐，以及提供分级月度使用额度和专业功能的付费套餐。团队还充分利用了 Billing 的特殊功能，例如为社区活跃成员提供内置折扣码，从而免去了公司工程师在内部编写复杂定价逻辑的麻烦。

Lovable 在全球推出后不久，用户采用率激增，因此需要扩展支付基础设施，以处理来自多个国家、不同税制和多种支付方式的大量交易。通过使用 Stripe 的结账优化套件，Lovable 利用 Stripe 的专有 AI，在结账时动态显示超过 150 个国家和 125 种本地支付方式。利用预构建的 Stripe Checkout 用户界面，Lovable 启用信用卡、Apple Pay、Google Pay 和 Cash App 支付。对于每笔交易，Optimized Checkout Suite 都会利用 AI 根据多种信号动态决定展示哪些支付方式，这通常会带来 2% 至 3% 的转化率提升。Lovable 还启用了 Link，这是 Stripe 构建的数字钱包，新用户只需点击一下，就可以用自己喜欢的支付方式结账。事实证明，Link 特别受 Lovable 用户的欢迎，目前该平台上 58% 的交易量都是通过 Link 完成的。

随着公司的发展，这个完全集成的账单和支付系统不断减轻 Lovable 运营团队的工作量。Osika 表示：“Stripe 负责整个客户生命周期的管理，包括账单邮件、支付管理和其他后台事务，这样我们就无需亲自处理这些了。”

Osika 及其团队也意识到，在高速发展的 AI 商业环境中，公司有可能因为发展太快而错失潜在的新机遇，或无法及时规避风险。因此，Lovable 为其团队提供了监控关键绩效指标所需的工具。通过 Stripe 管理平台，公司现在可以跟踪重要的收入和客户指标，如每月经常性收入和用户留存率。

这些报表功能为决策提供更大的信心。Osika 表示：“财务、产品和支持部门都能实时查看同一可靠数据源，因此任何异常都会立即显现。”

在推出后的几个月里，Lovable 实现了指数级增长。到 2025 年 7 月，即推出仅 8 个月后，公司的活跃用户已达 230 万，每年经常性收入达 1 亿美元。

Lovable 致力于帮助创始人创造下一个颠覆性产品

数百万 Lovable 用户已经发现，使用 AI 辅助编码创建全堆栈 Web 应用是多么轻松。随着氛围编程趋势持续升温、AI 能力不断提升，Lovable 平台也将持续进化。公司已扩展产品功能，提供带共享工作空间的协作计划、更高的资源上限、集中访问管理及其他功能。

Osika 预计 Stripe 的技术能继续为他的团队节省时间，支持公司的发展。Osika 表示：“添加新产品变得更容易了。过去需要自定义编码的，现在只需快速配置 Stripe 即可。而且 Stripe 提供可靠的测试环境，让我们可以在本地开发并在投入生产前运行所有流程，从而大幅减少后期调试时间。”

AI 的迅速变革，为像 Lovable 这样的公司带来了前所未有的压力，它们必须快速实现盈利并进行全球扩张。Stripe 平台历经 15 年持续建设，旨在满足这些需求——为初创企业提供稳健且灵活的金融基础设施，使其能够跟上业务增长和需求变化的节奏。通过在 Stripe 上构建账单与支付系统，Osika 及其团队拥有了坚实的基础，以支持当前运营和未来发展目标。

When launching Lovable from its base in Sweden, Osika wanted to keep his team focused on developing the platform’s groundbreaking functionality—not worrying about technical details around billing systems, payment processing, and other financial infrastructure needs. That’s why Lovable turned to Stripe to provide key financial tools, including payment processing, billing systems, and even business incorporation services. This has allowed Lovable to become one of the world’s largest AI-powered software development platforms in less than a year.

From product launch to worldwide popularity

In the lead-up to Lovable’s global launch, Osika and his team needed to establish a US business presence quickly. The traditional incorporation process, with its paperwork and weeks-long approval times, wasn’t feasible for the team’s ambitious timeline. Lovable turned to Stripe in need of startup-friendly solutions that would be easy to implement, yet capable of supporting fast growth and massive scale.

Using Stripe Atlas, Lovable incorporated in the US with just a few clicks. Atlas enables global startups such as Lovable to bank, fundraise, and generate revenue within two business days.

With its business structure in place, Osika and his team planned to launch the Lovable platform in November 2024. Motivated to monetize immediately upon launch, the Lovable team used Stripe Billing to quickly spin up a range of subscription plans, including a free tier for individuals and paid tiers that offer graduated levels of monthly usage credits and specialized features.

In 2025, Lovable launched Lovable Cloud, a built‑in backend for apps, and Lovable AI, prompt‑driven AI features powered by Google Gemini. To support the launch, Lovable implemented Stripe’s usage‑based billing features. These enabled the team in just two weeks to define meters and rate cards, ingest real‑time usage from Lovable Cloud, and automatically bill customers for actual consumption—enabling metered pricing, real‑time credit burndown, and transparent spend visibility as subscriptions surged.

To date, Lovable has millions of usage-based billing subscriptions on Stripe, translating to 4.6 million credits granted each month.

Soon after Lovable’s global launch, user adoption surged, and it needed to scale its payments infrastructure to process a large growth of transactions across multiple countries, tax regimes, and payment methods. Using Stripe’s Optimized Checkout Suite, Lovable tapped into more than 150 countries and more than 125 local payment methods, dynamically surfaced at checkout using Stripe’s proprietary AI. Using the prebuilt Stripe Checkout UI, Lovable enabled credit cards, Apple Pay, Google Pay, Cash App, Wechat Pay, Alipay, iDEAL, and Amazon Pay.

For each transaction, the Optimized Checkout Suite uses AI to dynamically determine which payment methods to display based on many signals, which typically results in a conversion boost of 2% to 3%. Lovable also activated Link, a digital wallet built by Stripe, so new users could check out with their preferred payment method in a single click. Link has proven especially popular with Lovable’s users: it’s currently driving 58% of transaction volume on the platform.

This fully integrated billing and payment system has continued to reduce the workload for Lovable’s operations teams as the company has grown. “Stripe handles the entire customer lifecycle—billing emails, payment management, and other back-office tasks—so we don’t have to,” said Osika.

Osika and his team also knew that in the supercharged AI business environment, it’s possible for companies to move so fast that they miss potential new opportunities to seize or risks to avoid. So Lovable gave its team the tools they needed to monitor key performance indicators. The Stripe Dashboard provides a single source of truth for revenue and customer metrics across finance, product, and support.

In the months following its launch, Lovable experienced exponential growth. By July of 2025, just 8 months after launch, Lovable reached $100 million in annual recurring revenue, and has since scaled to $200 million in annual recurring revenue in its first year.

Lovable wants to help founders create the next big thing

Millions of Lovable users have already discovered how effortless it feels to create full-stack web applications with AI-assisted software creation. As the vibe coding trend continues to grow and AI capabilities advance, Lovable’s own platform will continue to evolve. The company has already expanded its offerings to provide plans with shared workspaces for collaboration, higher resource limits, centralized access management, and other features.

Osika expects that Stripe’s technology will continue to save his team time and support the company’s growth. “Adding new products is much easier,” said Osika. “What used to take custom code is now a quick Stripe setup. And Stripe’s solid test environment lets us develop locally and run every flow before production, which cuts down debugging time later.”

By building their billing and payment system on Stripe, Osika and his team have a strong foundation to support their current operations and future goals.