Refyne is an innovative financial wellness provider based in India that offers a unique solution to combat financial insecurity among employees. The startup operates in the financial technology (fintech) market, serving businesses of all sizes. Its primary service is providing employees with access to their earned salary on-demand, rather than waiting for the traditional end-of-month payday. This service is designed to reduce financial stress, increase productivity, and decrease employee turnover.

Refyne's business model is a plug-and-play solution, meaning it can be easily integrated with any Human Resources Management System (HRMS) or rewards tool a company already uses. This makes it a flexible and convenient solution for businesses looking to improve their employees' financial wellness.

In addition to providing on-demand salary access, Refyne also offers financial education to help employees make sound financial decisions. It also provides financial coverage plans to protect employees from unexpected expenses, and even offers a service for employees to own gold in small amounts as a form of savings.

Refyne makes money by charging businesses a fee for its services. However, it's important to note that the company's services do not affect a business's cash flow, as the funds provided to employees are from their already-earned salary.

Refyne is ISO 27001 certified, ensuring it meets international standards for information security management, and is compliant with Indian labour laws.

Keywords: Financial Wellness, On-Demand Salary, Employee Productivity, Financial Education, Financial Coverage Plans, Fintech, HRMS Integration, Direct Payments, Gold Ownership, ISO 27001 Certified.