Refyne

Refyne is India's trusted financial wellness platform providing real-time salary on-demand verified by company HR, UPI Scan & Pay, digital gold savings, insurance, and financial advisory services. Employees of partnered companies can access funds up to 1.5x their salary instantly. The app features Refyne Pay for seamless UPI transactions, Money Guru with tax and loan calculators, credit score checks, and a subscription option with unlimited free transactions.

Refyne is compliant with NPCI and RBI guidelines and partners with authorized NBFCs. With secure KYC and device binding for UPI account creation, users enjoy safe, efficient access to financial products. The app supports loans ranging from ₹1,000 to ₹10,00,000 with competitive interest rates and flexible repayment options. Refyne is ideal for Indian employees aiming to improve financial wellness through an integrated, secure platform.