Layer 2 · Liquidity

Liquidity for employees and employers.

Emerald brings two liquidity solutions into one controlled employer experience: EWA for employees who need earned wage access, and Payroll Funding for companies that want smoother salary-cycle support.

View Employee Journey See Operating Flow

Liquidity promise Support the workforce without losing payroll control. Employees get timely access. Employers get visibility, policy controls and structured recovery.

Earned Wage Access Employees can access a portion of earned wages before payday, based on employer-approved eligibility, limits and payroll rules.

Employee withdrawal journey Optional HR approval Real-time usage visibility Payroll deduction file

Payroll Funding Employer-side liquidity support designed to help companies manage salary-cycle timing and beginning-of-month working-capital pressure.

Payroll-cycle support Working capital bridge Structured repayment Relationship-led deployment

One liquidity layer

Employee liquidity and employer liquidity, positioned together.

For employees, Emerald enables earned wage access. For employers, Emerald can support payroll continuity when salary-cycle timing needs a short-term bridge. Both sit naturally under the Liquidity layer.

01ConfigureEmployer defines eligibility, limits, approval rules and payroll recovery structure.

02AccessEmployees can use EWA, while employers can explore payroll-cycle liquidity support.

03TrackHR and finance see usage, exceptions, approvals and salary-cycle impact.

04RecoverDeduction files and repayment structures keep closure clean and transparent.

Controlled employee accessEWA is governed by employer-approved eligibility, caps and payroll rules.

Fast support when neededEmployees can access earned wages through a clear and transparent journey.

Payroll continuityPayroll Funding helps employers manage timing gaps without weakening salary confidence.

Clean payroll closureDeduction and recovery files keep finance teams aligned.

Real-time visibilityUsage, requests, approvals and exceptions remain visible to HR and finance.

Policy guardrailsLiquidity is delivered through rules, controls and documented workflows.

Payroll Funding

Employer-side liquidity for smoother salary cycles.

Emerald can finance payroll support up to 20% at the beginning of the month, helping companies manage short-term working-capital timing while maintaining employee confidence.

01NeedBeginning-of-month liquidity or working-capital timing gap.

02SupportEmerald structures payroll-cycle support for the employer.

03SalaryEmployees continue receiving salaries on time.

04RepayStructured repayment keeps the cycle predictable.

Proven employer adoption

Trusted by employers building stronger workforce liquidity.

200+ corporate relationships

4,000+ employees supported monthly

        
        ₹10 Cr+
        disbursed every month

Proven employer adoption Active monthly employee usage Payroll-linked execution discipline