Asia's largest
Earned Wage Access
provider
Refyne is the gold standard of EWA in Asia. Your one-stop solution for the financial wellness of employees.
Refyne is the gold standard of EWA in Asia. Your one-stop solution for the financial wellness of employees.
leading partner enterprises
employee base
growth in transacting users
improvement in retention with EWA
HELP YOUR TEAM BREAK AWAY FROM PAYCHECK-TO-PAYCHECK LIVING
Indian employees have faced a financial shortfall between pay periods
Resorted to alternate finance options to access liquid cash
Expect their employers to secure their financial well-being
Source: EY Research - Earned Wage Access in India -
The Final Frontier of Employee well-being
Read the full report
A no-cost long-term employee financial wellness solution
Working capital stays unchanged, we manage salary withdrawals
Highly compatible with any existing payroll, HRMS or ERP
Get analytics on employee productivity and hidden attrition costs
AN EFFORTLESS WAY TO ELIMINATE FINANCIAL STRESS
Refyne's earned wage access (EWA) app enables your employees, both salaried and contractors, to track and access a portion of their real-time pay any time before payday.
Our flexible financial solution liberates employees from relying on exploitative short-term borrowings that often push them into debt traps.
Refyne's low-touch technology comes at zero-cost to employers, seamlessly integrates with your existing payroll processes, and shows your employees you care about their well-being.
For EmployeesONE PLATFORM, MANY USES
A financial wellness super app to track, spend and plan finances better
Instant access to earned salary for on-demand liquidity anytime
Build credit profile and access financial products at affordable prices
Zero-cost and hassle-free integration for fully automated solution
Get real-time analytics on employee usage; total transparency
Single platform for operating and monitoring workforce financial offerings
Tested and secured by top VPAT agencies, WeSecureApp
Compliant with Reserve Bank of India guidelines
ISO 27001-certified for highest data security
An intuitive all-in-one plug and play platform for employers to ensure workforce financial well-being
Simplifies attendance tracking across locations and shift timings
All types of employees can access financial products
Easy compatibility with any HRMS or payroll system
Integrated platform for wide range of offerings for employees
Empowers employees with real-time access to their earned salary before payday.
Instantly transfer money to any bank account.
Challenges conventional monthly pay model.
Access your salary instantly
Set your own limits and spend only what you have
Manage all transactions in one place
Refyne's in-house salary advance lending software
Zero-interest, EMI-driven and hassle-free credit for employees
No additional documentation and verification required
A proprietary scoring model that looks beyond financial history; based on 200+ data points
Rewards employees for their diligent work, prudent financial choices, and career progression
Helps employees participate in the formal credit ecosystem and access financial products at lower prices
Empower employees to make better financial decisions with Refyne's Financial Coaching
One-on-one sessions with SEBI-certified consultants
Available in 12 languages, can be accessed anytime, anywhere
Single and fully customisable solution for unconventional risks
Short-term coverage with policy premiums as low as ₹15
Coverage for minor uncertainties of life like job losses due to business downsizing or mass layoffs, cyber frauds, events like damage to home, and more
Refyne helps employees build healthy financial habits
Autosave a portion of earned salary
Set a Daily Saving Target and earn rewards when targets are met
MAKING HEADLINES IN INDIA'S FINANCE ECOSYSTEM
WE HELP OUR PARTNER COMPANIES ENSURE THEIR EMPLOYEES FINANCIAL WELL-BEING
BACKED BY BIGGEST LEADERS IN FINTECH
