Employee Journey

One simple experience for salary access, app visibility and WhatsApp withdrawals.

Show prospects how employees discover their available limit, understand the cost upfront, use the mobile app for visibility and complete withdrawal requests through a guided journey.

Full visibility before withdrawal Mobile app + WhatsApp journey Clear fee visibility
Journey promise

From app visibility to withdrawal confirmation, without payroll confusion.

Employee-first
LoginOTP / employee ID based access
LimitEarned wage visibility
WithdrawAmount and charges shown upfront
ReportPayroll file visibility
Emerald EWA Salary Flex
Hello, Rahul Your earned wage access is ready.
Available Earned Wage

₹7,500

50% cap
Monthly Salary₹30,000
Days Worked15 days
Withdrawal₹5,000
Fee₹75
Live Simulator

Change the employee profile and watch the EWA limit update.

Useful for HR and payroll teams because it explains exactly how salary, days worked, employer cap, withdrawal amount and fee are connected.

Used to estimate earned salary for the month.
Available limit moves with earned salary.
Maximum allowed cap is 50% of earned salary.
Maximum fee rate is capped at 2.50% for the simulator.
Employee can only withdraw within the employer-approved earned wage cap.
Limit LogicEarned salary × selected cap
Fee LogicWithdrawal × selected fee rate
PayrollReporting file visibility
Journey Walkthrough

Make the employee flow easy for every stakeholder to understand.

01Authenticate

Employee logs in using mobile number or employee ID with OTP verification.

02KYC & Consent

Required identity, consent and eligibility checks are completed before access.

03View Limit

Available earned wage limit is shown based on salary, days worked and policy rules.

04Request Access

Employee selects withdrawal amount and sees charges upfront before confirming.

05Disbursement

Approved request is processed through the configured disbursement workflow.

06Payroll Closure

Transaction is captured in reports and payroll files for clean tracking.

Employee access channels

Mobile app for visibility. WhatsApp for fast guided withdrawals.

For corporates, this makes rollout easier: employees can understand their access in the app and complete withdrawal actions through a familiar WhatsApp journey.

Employee Mobile App
Emerald employee app home screen showing credit limit, transactions, support and brand offers
A clean dashboard for everyday employee confidence

Employees can see their available limit, transaction history, support access and brand benefits without needing HR intervention.

WhatsApp Withdrawal
Emerald WhatsApp withdrawal flow showing amount confirmation and bank transfer

Fast withdrawals through a channel employees already know.

The WhatsApp journey keeps withdrawal requests guided, confirmation-led and easy to follow — helping corporates drive adoption with minimal training.

Request Limit Amount Confirm Transfer
Confirmation-led withdrawal journey
Familiar interface for quick adoption
Designed for instant employee utility
Clear access visibility
Transparent usage history
Lower HR dependency
More daily engagement
A complete employee journey your workforce can understand immediately. Mobile app for visibility. WhatsApp for speed. Emerald keeps the experience simple, transparent and easy to adopt.
Preview on Google Play
Employee benefit message

Position liquidity as a simple, controlled workplace benefit.

For employees, it feels like timely salary flexibility through clear digital channels. For employers, it remains governed by limits, rules, reporting and payroll visibility.

Financial wellnessSupport employees when short-term cashflow pressure appears.
Employee engagementOffer a modern salary benefit without changing payroll dates.
Employer controlKeep eligibility, limits and reporting structured.