Earned wage access
Withdraw a share of earned wages before payday.
Why · No fees, no interest. Salary-deducted repayment.
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Financial wellness
Financial wellness is a benefits problem We solve it
Earned wage access, BNPL, device leasing, investments, and a global reward network spanning 10M+ products across 150+ countries. Zero balance-sheet exposure for the employer.
TRUSTED BY LEADING BRANDS
What employees get
Two sides of financial wellness, one platform
Everything an employee needs to handle money coming in and money going out, on the same rails the rest of Empuls already runs on.
The money-in side, earn, borrow, invest, and file with better terms.
Money in
Handling finances
Lending via LSP / NBFC
Personal loans for bigger needs, underwritten by a regulated LSP.
Why · Better credit terms than open-market retail lending.
Investments
Exclusive deals with investment partners, SIPs, tax-saver funds, passive portfolios.
Why · Pre-negotiated pricing, no new KYC for existing users.
Tax filing
DIY and CA-assisted filing with live refund estimation during filing.
Why · Know your refund before you hit submit.
Four numbers that frame financial wellness
10M+
Products in the network
Across electronics, lifestyle, travel, experiences, and more.
150+
Countries served
Reward catalog localized by currency and SKUs.
Zero
Employer balance-sheet risk
Tripartite LSP/NBFC model for all lending.
5 to 50%
Partner savings range
Negotiated discounts across lifestyle and services.
Global rewards network
One catalog. Every continent. Local everything
A single rewards network spanning 10M+ products across 150+ countries, each catalog localized by currency, SKU availability, and local tax, so employees see the right items at the right prices for their country.
10M+
Products in the network
Electronics, lifestyle, travel, experiences, and more.
150+
Countries served
Catalog localized by currency and SKUs.
5 to 50%
Partner savings range
Negotiated discounts across lifestyle and services.
The tripartite lending model
Real lending power for employees, zero balance-sheet risk for you
A regulated lending-service partner is the lender of record. The employer only deducts and remits, so no loan ever lands on your books.
01
EmployeeApply
Submits a request in-app. Pre-qualified by the LSP in seconds.
02
LSP / NBFCUnderwrite & disburse
The LSP underwrites and disburses directly, they are the lender of record.
03
Employer (payroll)Deduct
EMIs are collected via salary deduction at each pay cycle.
04
Employer → LSPRemit
The employer transfers deducted EMIs to the LSP. Zero exposure.
Employer is not the lender
The tripartite model keeps every loan on the LSP’s books. No provisioning, no off-balance-sheet liability, no exposure, ever.
FAQs
Frequently asked questions
No. EWA depends on local LSP/NBFC partnerships and jurisdictional regulations, so it rolls out market-by-market. The capabilities that ARE globally available are the rewards network (10M+ products, 150+ countries), partner marketplace deals, investments, and tax filing where applicable.