Earned Wage Access · WageTech Platform
Your employees have
earned it. Let them
access it.
75% of workers in emerging markets live paycheck to paycheck. Emergency expenses before payday lead to predatory lending, absenteeism, and productivity loss. CIXOR PayDay solves this at the employer level — zero cost to the employer, zero debt for the employee.
200 +
Employers Onboarded
4
Regions
LKR 14M
Y1 Gross Fee Revenue
1-3%
Wage Access Fee
Who CIXOR PayDay Serves
Three Audiences. One Platform.
A single infrastructure layer connecting employers, their workforce, and the capital markets that fund on-demand wage access.
01 / 03
For Employers
Reduce attrition. Improve productivity. Zero cost to you.
0%
Cost to employer
Fee paid by employee
Fee paid by employee
- Reduce employee absenteeism caused by financial stress
- Improve talent retention with a meaningful benefit
- Simple HR integration — onboarded in days
- Full compliance with labour and data protection frameworks
02 / 03
For Employees
Access up to 50% of what you've already earned — any day.
50%
Of earned wages
Available on demand
Available on demand
- Pay bills, handle emergencies, avoid loan sharks
- No debt, no interest — it's money you already earned
- Simple mobile app with instant transfer
- Available wherever your employer is onboarded
03 / 03
For Liquidity Partners
18% guaranteed annual return on short-duration deployed capital.
18%
Guaranteed annual return
Self-liquidating positions
Self-liquidating positions
- Trust liquidity account — externally audited
- Promissory note secured against wage receivables
- Staged tranche commitment — minimum LKR 10Mn
- Short-duration, self-liquidating positions
Expansion Roadmap
CIXOR PayDay is Going Global
Market Status
🇱🇰 Sri LankaLive · Y1 Deployed
🇧🇭 BahrainIn Pipeline
🇲🇾 MalaysiaIn Pipeline
🇵🇭 PhilippinesIn Pipeline
🇮🇩 IndonesiaIn Pipeline
🇻🇳 VietnamIn Pipeline
Market Opportunity
USD 12Bn
Global EWA market by 2027 · Allied Market Research
400M+
Underserved workers across ASEAN alone
18%
Guaranteed return for liquidity partners
Coming Next
CIXOR SMETech
Invoice liquidity for SME suppliers. Working capital on the invoices they've already issued — no bank relationship required.