At its core, we can only ever do four things in financial services: we can transact, borrow, save (invest), or protect (insurance). Every flashy financial product, shiny fintech app, or Instagram ad that you scroll past ultimately serves one of those four functions. Since the 1700s, banks and providers have competed hard for control of one thing: your current account. That’s because it’s the first time you touch your salary, and is therefore the gateway to the rest of your financial life.
We think it's time for a fresh approach. Instead of starting with your bank account, we start with your job. By plugging directly into payroll, we can deliver those same four financial functions, faster, cheaper, more efficiently and crucially, more fairly. So you get more value from your pay and the hard work that you do.
The future of financial services isn’t a new app. It’s payroll-embedded infrastructure that works for people, not against them.
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