PULPI

Pulpi, formerly known as PagoDiario, is a Mexican fintech platform that provides earned wage access (EWA) solutions to employees through a salary on-demand model. The company operates as a B2B2C platform, partnering with employers to offer their workers the ability to access wages they have already earned before their scheduled payday. Employees can withdraw earned income through the Pulpi mobile application available on iOS and Android, paying only a fixed commission per transaction rather than interest charges associated with traditional credit products. The platform positions itself as an alternative to credit cards and personal loans for managing short-term cash flow needs. Based in Miguel Hidalgo, Mexico City, Pulpi targets the Mexican corporate market, working with companies across various sectors including pharmaceutical firms like Genomma Lab. The company emphasizes financial wellness as an employee benefit, aiming to reduce financial stress, improve productivity, and decrease employee turnover for client organizations. Beyond earned wage access, Pulpi has expanded its offering to include additional modules such as credit products and bill payment services, allowing employees to schedule automatic payments for utilities and other services at over 9,000 establishments. The platform markets itself as a zero-cost solution for employers while charging employees a minimal transaction fee. Founded by CEO Carlos Ramírez de Aguilar, Pulpi employs approximately 45 people and received debt financing in June 2022. The company's approach reflects the growing earned wage access trend in Latin America, synchronizing employee income with daily expenses rather than biweekly or monthly pay cycles.