Beyond Transactions. Powering the Future of Work Payments.
FYLO is Bangladesh's leading nano-fintech platform — enabling instant earned wage access for employees, accelerated settlements for marketplace vendors, and seamless liquidity management for enterprise partners. All in one secure, API-powered infrastructure.
5,000+
Happy Users
৳50M+
Processed
10+
EverydayDigital Partners
99.9%
System Uptime
Corporate Financial Command Centre
A centralized dashboard for managing all financial interactions with partners, vendors, and employees. Real-time transaction tracking, customizable payout rules, bulk onboarding, analytics, and bank-reconciled audit-ready reports.
About FYLO FINTECH
Empowering Employees. Accelerating Businesses. Redefining Fintech in Bangladesh.
FYLO FINTECH is a nano-fintech company built on a singular mission: to simplify and automate financial interactions between businesses, their partners, sellers, and employees — empowering every stakeholder to focus on growth, not payment friction.
Founded and headquartered in Dhaka, Bangladesh, FYLO bridges the gap between earned income and instant liquidity, giving employees real-time access to wages they've already earned, while offering businesses a centralized, transparent, and compliant financial operations platform.
Our Mission
To simplify and automate financial interactions between businesses and their partners, sellers, and employees — empowering them to focus on growth and success.
Our Vision
To be the leading platform for seamless and transparent financial management, fostering trust and efficiency in the digital economy of Bangladesh and beyond.
Our Values
- Transparency First
- Security Without Compromise
- Employee-Centric Innovation
- Partner-Led Growth
Why FYLO
The way businesses pay their people is broken. FYLO fixes it.
Financial Stress
56% of employees report ongoing financial stress (PwC). This directly reduces productivity and retention.
Payment Fragmentation
Businesses use 3–5 disconnected tools to manage partner, vendor, and employee payments — causing errors and delays.
Settlement Delays
Marketplace vendors wait 15–45 days for payment clearance after fulfillment, choking working capital and hampering growth.
Talent Retention Risk
80% of employees cite financial wellness benefits as a key job satisfaction driver (Bank of America). Companies without it lose top talent.
Why Now?
Rise of Digital Commerce
Bangladesh's e-commerce market is valued at $2.5B USD and growing rapidly. FYLO's EWA-linked commerce model turns every paycheck into purchasing power.
73.75M Workforce Ready
Bangladesh has a 73.75 million-strong workforce with avg PCI of $2,793. 41% are in service-sector jobs — FYLO's primary addressable segment — representing a $34B SAM.
Talent War Intensifying
Companies offering financial wellness benefits are 50% more likely to attract top talent. FYLO turns this benefit into a reality within 30 days of integration.
Features
Built for partner organizations.
Enterprise-grade capabilities for B2B clients — from KYB onboarding to audit-ready reporting.
Easy Onboarding
KYB-verified setup in under 48 hours via API or guided wizard.
Smart Insights Dashboard
Behaviour metrics, payout trends, and financial health scores.
Instant Payments Engine
Push payments to bKash, Nagad, Rocket, or any bank — instantly.
Customizable Rules Engine
Define EWA caps, settlement schedules, and compliance triggers per policy.
Comprehensive Reporting
Audit-ready reconciliation reports with transaction-level detail.
Bank-Grade Security
AML compliance, encryption, device binding, and continuous fraud monitoring.
Services
Three B2B service pillars.
FYLO operates across earned wage access, marketplace nano-settlement, and enterprise financial command — all on one secure platform.
Service 1
Early Wage Access (EWA)
For: Corporates, RMG, banks, large employers
FYLO integrates with your payroll system to give employees on-demand access to up to 50% of earned wages — before your standard payroll cycle. Zero changes to your payroll process.
- No float or credit risk to employer
- Automatic deduction on payroll date
- KYB/KYC compliant with Bangladesh Bank
Service 2
Vendor & Marketplace Nano-Settlement
For: E-commerce, gig platforms, logistics, B2B supply chains
Eliminate 15–45 day vendor payment delays. When fulfillment completes, FYLO verifies and instantly pushes payment through banking rails.
Service 3
Corporate Financial Command Centre
For: All enterprise FYLO clients
Centralized dashboard for partners, vendors, and employees — with real-time tracking, customizable payout rules, and audit-ready reconciliation.
- Bulk onboarding via API or CSV in < 24 hours
- Role-based access for HR, Finance, Operations
- Analytics & financial health scoring
Partnership Process
From first conversation to live in 30 days.
A fast, frictionless, and risk-free path for prospective B2B partners.
Initial Discovery Call
30-minute call with FYLO's partnership team. We understand your workforce size, payment structure, and pain points. Zero commitment.
Business Verification (KYB)
KYB verification — trade license, TIN, authorized signatory. Typically completed within 2 business days.
Integration Design
REST API, SFTP payroll sync, or CSV upload. Dedicated integration guide and sandbox access provided.
Bank Linkage & Compliance
Settlement rails and AML parameters configured per Bangladesh Bank guidelines.
Dashboard Activation
Employees and/or vendors loaded onto FYLO with wallet, earnings dashboard, and access entitlements.
Pilot Launch (2 Weeks)
Controlled pilot with dedicated support, real-time monitoring, and feedback loops.
Full Rollout & Support
Full deployment with 24/7 support, monthly performance reviews, and analytics suite access.
Ready to explore a partnership?
Competitive Advantage
FYLO vs. the landscape
| Capability | FYLO | Wageup | Mitro |
|---|---|---|---|
| Operational Status | Active & Scaling | Operating | Halted |
| EWA for Employees | Yes | Yes | N/A |
| Vendor Nano-Settlement | Yes | No | N/A |
| Digital Commerce Integration | 14+ Partners | No | N/A |
| B2B Command Dashboard | Full Suite | Limited | N/A |
| Revenue Model Diversity | 4 Streams | Fees only | N/A |
Deep API integration
FYLO embeds into payroll, HRMS, and marketplace back-ends — creating switching costs competitors cannot easily replicate.
EverydayDigital network
14+ consumer brands create a closed-loop economy where FYLO wages flow directly to purchase.
Infrastructure-first model
FYLO is a financial rails provider, not a lending product — outside credit risk with faster regulatory clearance.
Calculator
Know exactly what you receive.
Instantly model earned wage access or business sales advances with transparent fees.
Instant access amount
৳1,495
What you receive after fee.
Advance payment amount
৳9,880
What you receive after fee.
EverydayDigital Ecosystem
Trusted by Bangladesh's leading digital brands.
FYLO's partner network spans e-commerce, healthcare, education, logistics, travel, and lifestyle — where employees spend earned wages instantly across services they use every day.
Pickaboo
E-Commerce
Shikho
EdTech
Carnival Assure
Insurance
Carnival Internet
ISP
Aarong
Lifestyle Retail
Arogga
Health / Pharma
Shohoz
Mobility
ShareTrip
Travel
Chaldal
Grocery
10 Minute School
EdTech
eCourier
Logistics
Foodpanda
Food Delivery
Apex
Fashion Retail
bSelar
Digital Products
When employees access earned wages through FYLO, they can spend instantly at any EverydayDigital partner — groceries, medicine, travel, education, fashion. FYLO isn't just a payment tool. It's lifestyle financial infrastructure.
Team
Built by operators who understand the Bangladesh market.
Biplob Ghosh Rahul
Founder
Serial entrepreneur and CEO of eCourier Limited — Bangladesh's leading last-mile logistics company. Deep operational and fintech ecosystem expertise.
Mahtab Uddin Ahmed
Co-Founder
Experienced finance and business operations leader. Background in corporate financial management and institutional relationships.
Mustafa Mahmud Hussain
Co-Founder
Technology and product visionary. Leads FYLO's engineering architecture, platform development, and integration strategy.
FAQ
Answers to common questions.
Transparent, straightforward, and always available.
Get Started
Ready to partner with FYLO?
Book a demo, start partnership onboarding, or reach our team in Dhaka.
Go to full contact formHeadquarters
Amanullah Trade Center (9th Floor), Plot-26 Gulshan Circle 2, Dhaka 1212, Bangladesh
Expanding: Nepal · Vietnam