Early Wage
EWAOn-demand access to earned wages before payroll.
Beyond transactions. Powering work payments.
৳50M+
Processed
10+
EverydayDigital Partners
73.75M
Addressable Workforce
30 days
Partner Onboarding
10+ partners
Full product suite
Vendor Settlement
InstantNano-settlement the moment fulfillment is verified.
Send Now Pay Later
SNPLSend payments now, settle on flexible terms.
Buy Now Pay Later
BNPLEmbedded checkout financing for partner merchants.
Invoice Factoring
LiquidityTurn outstanding invoices into immediate cash flow.
Wage to Insurance
BenefitsAuto-deduct insurance premiums from earned wages.
Payroll Sync
EnterpriseSeamless payroll integration with zero process change.
Micro Lending
CreditShort-term credit lines backed by earned income.
About
Redefining fintech in Bangladesh
Bridging earned income and instant liquidity for employees and enterprises.
3-5
tools
Payroll friction
Employees wait weeks for wages they've already earned — hurting retention and productivity.
15-45
days delay
Payment fragmentation
Businesses juggle 3–5 disconnected tools for partner, vendor, and employee payments.
73.75M
workforce
Settlement delays
Marketplace vendors wait 15–45 days for clearance, choking working capital.
Services
Explore platformThree B2B pillars
50%
earned wages
Early Wage Access
On-demand access to up to 50% of earned wages before payroll — with zero changes to your existing payroll process.
Learn more
Instant
vendor payout
Vendor Nano-Settlement
Eliminate 15–45 day vendor payment delays.
Learn more
99.9%
compliance
Financial Command Centre
Centralized dashboard for partners, vendors, and employees with real-time tracking and audit-ready reconciliation.
Learn more
Features
Built for partners
KYB onboarding to audit-ready reporting — enterprise-grade, API-powered.
Easy Onboarding
KYB-verified setup in under 48 hours via API or guided wizard.
Smart Insights
Behaviour metrics, payout trends, and financial health scores.
Instant Payments
Push payments to bKash, Nagad, Rocket, or any bank — instantly.
Rules Engine
Define EWA caps, settlement schedules, and compliance triggers.
Audit Reporting
Reconciliation reports with transaction-level detail.
Bank-Grade Security
AML compliance, encryption, and continuous fraud monitoring.
EWA disbursements
+24.8%
Vendor settlements
+18.2%
Active partners
10+
Compliance score
99.9%
Growth
Enhance your business in 30 days
Four steps that unlock faster payouts, stronger retention, and enterprise-grade financial control.
01
Discovery Call
30-minute call to understand workforce size, payment structure, and pain points.
02
KYB Verification
Trade license, TIN, and authorized signatory verified within 2 business days.
03
Integration Design
REST API, SFTP payroll sync, or CSV upload with sandbox access.
04
Full Rollout
Live deployment with 24/7 support, analytics suite, and monthly reviews.
Partners
EverydayDigital ecosystem
14+ brands where employees spend earned wages instantly.
Pickaboo
E-Commerce
Shikho
EdTech
Carnival Assure
Insurance
Carnival Internet
ISP
Aarong
Lifestyle
Arogga
Health
Shohoz
Mobility
ShareTrip
Travel
Chaldal
Grocery
10 Minute School
EdTech
eCourier
Logistics
Foodpanda
Food
Apex
Fashion
bSelar
Digital
Pickaboo
E-Commerce
Shikho
EdTech
Carnival Assure
Insurance
Carnival Internet
ISP
Aarong
Lifestyle
Arogga
Health
Shohoz
Mobility
ShareTrip
Travel
Chaldal
Grocery
10 Minute School
EdTech
eCourier
Logistics
Foodpanda
Food
Apex
Fashion
bSelar
Digital
Team
Market operators
Founders with deep fintech, logistics, and engineering expertise.
Biplob Ghosh Rahul
Founder
Serial entrepreneur and CEO of eCourier Limited.
Mahtab Uddin Ahmed
Co-Founder
Finance and business operations leader with institutional relationship experience.
Mustafa Mahmud Hussain
Co-Founder
Technology visionary leading FYLO's engineering architecture and integration strategy.
Fin-Factoring
Redefining Fin-Factoring
Turning earned income into instant liquidity — with real-time data across every payment rail.
Disbursement volume
+24.8%JanMarMayJulSepNov
Payment mix
৳50M+processed
EWA42%
Vendor35%
Enterprise23%
EWA disbursements
+24.8%
Vendor settlements
+18.2%
Active partners
10+
Compliance score
99.9%
For partners
Benefits across the ecosystem
How FYLO creates value for businesses, merchants, and employees — in one connected platform.
Partner value
Partner value
Businesses
10+
active partners
Merchants
14+
ecosystem brands
Employees
73.75M
addressable
Business
Retain talent without touching payroll.
30%
lower attrition
Zero employer float100%
Payroll unchanged95%
Compliance ready99%
Merchant
Get paid the moment you deliver.
Instant
vendor payout
Settlement speed92%
Working capital freed78%
Ecosystem reach85%
Employees
Access earned income, spend instantly.
50%
wages on demand
Financial wellness88%
Instant MFS payout95%
14+ partner brands80%
10+
active partners
14+
ecosystem brands
73.75M
addressable