Credit and earned wage access
Save your workers from loan sharks · Reduce worker churn
FORMAL CREDIT Employment data backed loans, 48 hour disbursal
9:41● ◒ ▰
Formal Credit EMPLOYER PARTNERSHIP Credit, ready to offer
The employer joins once, with no hidden cost or lending liability.
₹0employer liability
✓One-time setup✓No balance-sheet exposure
STEP 01 OF 04 WHATSAPP REQUEST A simple guided request
Workers choose an amount and share their need through a familiar chat flow.
2 mintypical request
✓No branch visit✓Plain-language prompts
STEP 02 OF 04 EMPLOYMENT CHECK Eligibility verified
Employment and payout history confirm affordability without paperwork loops.
✓employment matched
✓Income signals checked✓Consent-led verification
STEP 03 OF 04 FAST DISBURSAL Loan approved
Approved funds are transferred directly to the worker’s bank account.
<48hto disbursal
✓Clear repayment plan✓Bank transfer confirmed
STEP 04 OF 04 ⌂▤₹◎
EARNED WAGE ACCESS Reduce worker churn
Enables workers to withdraw a portion of their earned income 24/7 for unexpected medical, household, or emergency expenses.
9:41● ◒ ▰
Earned Wage Access QUICK KYC Identity verified once
A short KYC flow securely activates earned wage access for the worker.
1×one-time KYC
✓Mobile-first flow✓Secure consent
STEP 01 OF 05 AVAILABLE EARNINGS See pay already earned
The worker sees the portion of completed-shift earnings available today.
60%available to access
✓Live earnings view✓No new loan
STEP 02 OF 05 WHATSAPP REQUEST Choose an amount
A guided WhatsApp flow lets the worker request only what they need.
₹2,500example withdrawal
✓Amount confirmed✓Fee shown upfront
STEP 03 OF 05 BANK SETTLEMENT Money reaches the bank
The approved amount is settled to the worker’s bank account within hours.
<4hsettlement time
✓Instant status update✓Bank transfer tracked
STEP 04 OF 05 AUTOMATIC DEDUCTION Balanced on payout day
The accessed amount is automatically adjusted against the next platform payout.
₹0manual follow-up
✓Automatic reconciliation✓Clear payout summary
STEP 05 OF 05 ⌂▤₹◎
01 ₹100Cr+ LOANS 02 <3% DEFAULT RATE 03 1M+ WORKERS IMPACTED FOR PLATFORM PARTNERSBetter worker outcomes
56%HIGHER WORKFORCE RETENTION45%PRODUCTIVITY INCREASE1.9×HIRING POOL EXPANSION