Refyne

Refyne is India’s first & largest Earned Wage Access (EWA) platform. We partner with organizations to enable their employees to retrieve their earned but unpaid salary whenever they need it. Quite simply, we’re reducing the month-long wait to get your salary to mere seconds. We started Refyne with the mission to empower the Indian workforce to adopt financial wellness and model their lifestyle around it. Attaining real-life financial inclusion lies at the heart of our goal, fuelled by the drive to achieve positive social impact. We aim to enable people by bringing transparent, accessible & affordable means to finance right in the palm of their hands. We’re not a loan app. Refyne’s app lets users track, spend and save their real-time earned pay anytime, any day, driven purely by their needs. We believe this access is every employee’s right. Refyne helps users understand their spending patterns, make wise choices with money, keep their debt in check, all while using the most sophisticated yet simple technology to keep them on top of their finances. Refyne helps users avoid high-interest payday loans & micro-lenders, debt traps and build financial resilience. Our highly scalable platform enables employers to proactively ensure their workforce’s financial wellbeing and puts employees in the driver’s seat to control their financial position. Refyne is building a sustainable financial future, encouraging everyone’s participation in the formal financial ecosystem. Refyne is backed by marquee global investors who have successfully implemented EWA in other countries, including the UK, the US & Latin America.