Building a Better Financial System Together

Team Kaarva
Oct 9 · 3 min read
Your Salary Your Right

One of our foundational principles is a pledge to help all salaried employees have a better place financially.

We are a company built to combat unfairness, we constantly seek to fix problems in the financial world by considering alternatives to the tired, age-old system that has trapped many of us in a cycle of late fees, and late charges.

We know income isn’t always consistent or predictable — some days you have a little extra to spend, and others you could use a little extra. We don’t think anyone should have to struggle or pay a penalty to use your own hard-earned money.

Read here on how we are impacting on the penalty fee

We believe that if you’ve worked today, money that you have earned for the work is yours and you should be able to use it whenever and wherever you want, especially when you need it the most.

The fee that you like

Forcing people to pay a fee for our services would make it harder for them to get to a better place financially.

We’re building the way we think a financial system should work for everyone, not just the people who can afford it. This belief drives our very existence and our model.

While onboarding our B2B users, we give the decision-maker a choice on how they want to choose the fee for our services.

How much does it cost? What’s a Cash-Out Max based on? How many cash outs in a month? How much is the fair price for our services? We have all the answers to your anxiety! We have been a trusted partner for over hundreds of thousands of users. We are here to help you in your financial well-being, no exploitation in the name of fees, interest, or hidden costs to use any of the products.

The Way Forward with Kaarva

Our goal is not only to provide great products at little or no cost to the people who need them but also to inspire fairness across the financial world and eventually across all industries.

We operate on a tipping model, a radical change from the way the current financial system works. Every tip helps us to improve our services and create more financial fairness for our users.

Cashout Limits:

Your individual cash out limit per day is tied to your overall financial health, which includes details like how often a positive bank balance is maintained and whether you spend less money than you make. Each pay period, your Cash-Out limit is reevaluated, so you can see your good financial habits impact your Max over time.

These limits are judiciously calculated considering your expenses so that at the end of the month, you have enough salary left to meet your other needs.

The amount you tip (or don’t tip) doesn’t directly affect your individual Cash Out Max. It’s your money, you should have access to it when you need it. At the end of the day, Kaarva is here to solve problems by supporting your wellbeing rather than to maximize profit. Working together, we can all achieve financial freedom.

Our Partners

Kaarva has already enabled employees from more than 200+ companies to live a financially free life outside the constraints of their pay-cycle. They have no hidden fees and employ a unique ‘pay-what-you-like’ interest model that rewards the best borrowers.

Currently, we working with firms operating in the transport, hospital management, healthcare, IT, & garment factory sectors. Blackbuck, Cloudnine group of hospitals, Silvercrest are among the top-tier employers partnered with Kaarva in this journey of financial liberation through better digital tools.

To know more:

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