What it sells
Abhi is Pakistan's 1st financial wellness platform focusing on…
Business model breakdown
Buyer: who owns the budget?
UnverifiedHR / finance heads at employers (payroll, EWA) and SME owners (Kaarobar financing).
Trigger: what makes them buy now?
Employees want salary before payday; SMEs and Daraz/foodpanda merchants need quick working capital.
Workflow: what inputs become what output?
Earned wage access via app or SMS in about 30 seconds, payroll software (upload data and run), and business financing; white-label fintech.
Economics: what it saves and how it charges
Financial services plus payroll software; employer partnerships (e.g. Fast Cables, Riphah University); claims 5,000+ companies.
Distribution: how it reaches customers
Employer partnerships and press-announced corporate deals; Abhi Microfinance Bank.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Summer 2021 | — | Y Combinator | ycombinator.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.