earned-wage-access

Consumer credit architecture lab exploring deterministic decision engines vs LLM explanation layers - featuring EWA eligibility, credit card economics modeling, and Streamlit interactive workflows.

Quid - a personal money agent on Casper. Advances stablecoin against verified income before payday, repays itself when wages land, and builds on-chain reputation. Casper Agentic Buildathon 2026.

Refyne is an Indian financial wellness platform and the country's first earned wage access (EWA) provider, letting employees draw a portion of their already-earned salary before payday at 0% interest through their employer's payroll.

Minu is Mexico's leading employee benefits and financial wellness platform, serving more than 2,000 companies and over 1 million workers. Its flagship product is Salary On-Demand (earned wage access), which lets employees withdraw wages they have already earned before payday, alongside a high-yield savings account, low-interest payroll loans, food…

Minu Holdings Limited operates minu.mx, Mexico's leading employee benefits and financial wellness platform. Minu provides employers with more than fifty benefits designed to attract, retain, and engage talent, including on-demand salary access (earned wage access), savings accounts, food and gas vouchers, payroll-linked loans, telemedicine…

Earnin (formerly Activehours) is a consumer financial technology company offering earned wage access (EWA) that lets workers tap the pay they have already earned before their scheduled payday.

DailyPay is an on-demand pay (earned wage access) platform that lets employees access wages they have already earned before the scheduled payday. The company sells to employers across healthcare, retail, restaurants, manufacturing, hospitality and the public sector, and integrates with 180+ HCM, payroll and time-management systems.

dopay is a digital payroll platform operating in Egypt that lets employers register employees and disburse salaries in minutes through a single system, including permanent, temporary, and seasonal workers across construction, agriculture, hospitality, retail, healthcare, education, and manufacturing.

Shyft is a mobile-first workforce management platform for hourly and shift-based teams — employees swap shifts, message teammates, set their availability, and manage schedules from their phone, while managers build and publish schedules from a dashboard.

whatiseven (Even, formerly Even Responsible Finance) was an earned-wage-access and personal-finance fintech that let workers access a portion of their pay before payday, budget with "okay to spend" guidance, and automatically save.

Khazna is Egypt's leading financial super app, a Cairo-based fintech building inclusive financial services for the country's underbanked payroll workers and their families. Through its consumer mobile app it offers earned-wage access and salary advances, bill and utility payments, savings, and everyday consumer lending, with the goal of extending…

Sanad Cash was a Saudi Arabia-based fintech startup that operated an on-demand payment platform, giving employees early access to earned wages and providing employers with tools to manage on-demand pay. The company raised a $1.6M seed round in January 2022 with participation from Impact46 and was backed by 500 Global.

Argyle is an employment data connectivity platform offering a REST API for accessing payroll records, employment history, income verification, and gig platform earnings via user-consented direct-source connections.

Salary Hero is a Singapore-headquartered financial wellness and earned wage access (EWA) platform offered to employees through their employers. Its products include Salary on Demand (accessing earned wages before payday), budgeting and spending-tracking tools, savings accounts (a partnership with Dime offering 3% interest), and financial-literacy…

Jify is an India-based financial wellness platform (part of the Moneyview group) that partners with employers to give employees earned wage access: its On-Demand Salary lets workers draw already-earned pay before payday.

Symmetrical.ai is a Polish-British HR and payroll fintech, founded in 2019 in Warsaw with offices in London and Barcelona and backed by Partech. It provides payroll and HR bureau outsourcing plus an HR platform automating wage calculation, digital document management, onboarding, leave and time tracking, and real-time analytics, alongside employee…

NowPay is an employer-integrated financial wellness platform whose core product lets employees access their earned salary early and repay it in installments, positioned as a workplace benefit rather than a consumer lender. It was surfaced as a portfolio company of 500 Global and added to the API Evangelist network.

Gigmile is an African mobility platform and gig-economy fintech that gives riders, drivers, and fleet operators a pathway to financial independence through affordable vehicle financing and operational support.

Onsi is a global technology provider and UK/EU insurance intermediary that delivers flexible, shift-linked worker benefits — on-demand ("Embedded") pay, insurance cover, and a rewards marketplace — to employers and their frontline workers.