When the world paused in 2020, two brothers Richard and Alex Kim noticed a troubling trend. Their hardworking team members frequently requested early pay to get by. Without a formal financial assistance program, these employees were often forced into high-interest payday loans or credit card debt. Meanwhile the large major banks would not serve and help those that needed their services the most.  

Drawing on decades of experience at global financial institutions experience, the founders decided to transform the financial system into a more equitable one. They partnered with major banks to build an innovative bridge between employers and their teams. The result was Paywatch: a revolutionary platform offering the best earned wage access on the market.

What started as a mission to help their own staff quickly transformed into a multinational movement. By replacing legacy systems with modern early wage access, Paywatch goes beyond a simple Employee Assistance Program. It delivers comprehensive financial benefits that empower workers and drive genuine financial wellness. Today, backed by top-tier financial institutions across Asia, Paywatch is redefining the future of pay and giving millions of people fair financial access.