Refyne Soonicorn

Employees can withdraw a portion of earned wages with no interest charged, repaid via salary deduction.

Employers integrate the benefit at no cost or liability to the organisation.

In-app financial education product for employees.

Companies that partner with Refyne to offer earned-wage access as an employee benefit.

Salaried employees seeking access to earned-but-unpaid wages before payday.

Employees can access earned wages and financial services anytime through the Refyne app without waiting for approvals or dealing with typical banking bureaucracy.

Refyne pairs its plug-and-play employer integration with round-the-clock customer support for users.

Employees can get personalised 1-1 sessions and group interactions with SEBI-certified financial advisors through Refyne's Money Guru product.

Primary consumer-facing channel where employees check earned wages and withdraw.

Integrates with employers' HR systems so any organisation can plug in the benefit.

Reaches employees by first partnering with their employer.

Refyne's plug-and-play platform integrates directly with an employer's attendance and payroll management systems (and more broadly ERPs/HRMS/accounting software) to track real-time salary accrual for withdrawals.

Refyne operates a real-time KYC system that uses AI/ML-enhanced OCR to capture and validate data from identity documents such as Aadhaar, PAN, DL, and Voter ID.

Refyne scores users for credit eligibility using its proprietary Refyne Score, based on career progression and work diligence rather than only traditional financial/credit history.

Refyne maintains ISO 27001 and SOC-2 certification and complies with RBI ordinances, DPDP, VAPT, and labour laws as part of its ongoing operations.

Refyne's own NBFC licence underpins its ability to extend earned-wage and payday credit.

Co-branded RuPay credit card partner offered on the Refyne app.

Co-branded RuPay credit card partner offered on the Refyne app.

Refyne holds its own NBFC licence and has also tied up with other NBFCs to originate credit.

Employees are charged a small convenience fee, tiered by transaction amount, for each earned-wage withdrawal.

Refyne also offers personal/payday loans and charges interest plus handling and documentation fees on utilised credit.