Twispi

Twispi is a Mexican fintech company that provides a comprehensive employee benefits platform combining physical, mental, and financial wellness services for businesses and their workers. Founded in 2021 and based in Benito Juárez, Ciudad de México, the company operates as a business-to-business-to-employee (B2B2E) platform targeting human resources departments seeking to improve employee retention and productivity. Twispi's core offering centers on earned wage access (EWA), allowing employees to access their already-earned salaries on-demand through a mobile application for a fixed fee of 39 pesos per transaction. This service aims to reduce employee debt and financial stress. Beyond EWA, the platform provides financial education through Twispi Academy, offering content designed to help employees better manage personal finances. The company also bundles health and wellness benefits including telemedicine services, medical and life insurance, psychological counseling, and mindfulness courses. These services are delivered through a mobile app available on Android and iOS platforms. Twispi markets itself as a social impact company that empowers HR departments with enhanced benefits packages to attract and retain talent while reducing employee turnover. The platform is operated by Incentivos Laborales Ceresa S.A.P.I. de C.V., the legal entity behind the service. The company integrates with existing payroll systems, allowing employees to request salary advances without creating administrative burdens for employers. Twispi serves various sectors and has reported partnerships with companies including Holiday Inn and Petco Mexico. The company positions its solution as addressing Mexico's high employee turnover rates and workplace stress levels while improving organizational productivity.