Refyne

Refyne is Asia’s largest employee financial wellness platform, enabling workers to access a portion of their earned wages before payday to tackle mid-month cash crunches, emergencies, and unexpected expenses without resorting to high-cost credit. Through its app, Refyne also provides financial literacy content, one-on-one expert sessions, and products like gold savings and other planning tools, helping employees build sustainable financial habits and security over time. The platform integrates directly with employers’ HR and payroll systems, operates at zero cost to organisations, and supports multiple Indian languages to reach a diverse workforce.