YC-backed $17M+
60% adoption

The Only EWA Platform That
Pays Employers

Revolutionary revenue-sharing model disrupting Vietnam's $2B payroll market

Invest in Qyubi

Investment Highlights

Raising $750K
10% APR vs 120-500%

Dramatically undercuts predatory lenders

$1.08B TAM

With 60% adoption in similar markets

First-Mover in Vietnam

Regulatory support with 2023 fintech framework

32% Worker Retention

Proven benefit for employers using the platform

Funds will be used for product development, idea validation, and achieving product-market fit in Vietnam.

9:41
5G
Qyubi

Available Balance

₫2,450,000 VND
50% of wages
Access with 10% APR
Approval in seconds
Fair Rate
Access Now
Next Payday
15 days
Total Earned
₫4,900,000

Quick Actions

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Card
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Recent Activity

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Salary Advance
Yesterday
₫500,000
Paycheck
May 01
₫4,900,000
Added to savings
Apr 28
₫200,000
Home
Wallet
Activity
Profile
79% unbanked

The Crisis is Real

"I work 12 hours a day in a factory, but when my daughter got sick, I had to borrow money at 40% monthly interest. By payday, half my salary was gone to the loan shark."
— Nguyen Thi Mai, Factory Worker, Ho Chi Minh City

Monthly Payment Trap

Workers earn daily but get paid monthly, creating artificial scarcity

Banking Desert

79% lack access to formal financial services or credit

Predatory Lending

Emergency loans at 300-500% APR trap families in debt cycles

• 69% of Vietnamese are unbanked, forcing reliance on informal lending

• "Black credit" loan sharks charge up to 30% interest per month

• 25% of workers have taken payday loans with exorbitant rates

• Online P2P lending apps have become the new face of predatory lending

Sources
World Bank Financial Inclusion Report 2023 | Vietnamese Ministry of Public Security 2022 | Int'l Journal of Criminology "Loan Sharks in P2P Lending" 2021

The 30-Day Paycheck Gap

30
Days Without Access to Earned Wages
Day 1
Start work
Emergency occurs
Day 30
Payday
Workers earn money but can't access it when emergencies happen
Emergency
Medical bills
62% of workers borrow for health emergencies
VN Ministry of Health 2023
Loan Sharks
500% APR
27,000+ pawnshops operate in Vietnam's "black credit" market
VN News Economy Report 2023
Cash Flow
No savings
85% of workers have insufficient emergency funds
ADB Financial Inclusion 2022
Unbanked
No credit
40+ predatory P2P lending apps target vulnerable workers
JRFM Vietnam Study 2022

How Qyubi Works

A simple 3-step process that benefits everyone in the ecosystem

1

Employee Requests

Worker opens app, sees available earned wages, requests instant access

Up to 50% of earned wages
2

Instant Verification

Our system verifies employment and calculates available balance in real-time

Automated & secure
3

Money Delivered

Funds sent instantly to worker's e-wallet, deducted from next payroll

10% simple annual rate
Qyubi's earned wage access platform will disrupt Vietnam's payroll market by creating a win-win-win model for workers, employers, and ourselves.

The Opportunity is Massive

Vietnam's rapid digitization creates the perfect environment for financial innovation

$1.08B
TAM
Total Addressable Market
54M workers with 88% smartphone adoption
Source: Vietnam Ministry of Labor, 2023
$500M
SAM
Serviceable Available Market
25M urban manufacturing & service workers
Source: Vietnam General Statistics Office, 2023
$120M
SOM
Serviceable Obtainable Market
6M workers in our initial target markets
Source: Qyubi Market Analysis, 2023

Vietnam Fintech Growth

Annual growth in fintech adoption
24%
24%
Repeat usage in similar EWA markets
83%
83%
ROI multiple for businesses
3.7x
3.7x
Source
EY Fintech Adoption Index, Vietnam 2023

APR Comparison

Predatory Lending APR
500%
Traditional Bank APR
24%
Qyubi
10% APR

• 79% of workers cannot access formal banking services

• 60% adoption rate in similar earned wage access markets

• 3.2x higher employee retention with financial wellness programs

Sources
State Bank of Vietnam, 2023 | Financial Inclusion Report 2023 | SHRM Employee Retention Study 2022
Market Analysis

Vietnam Market Timing is Perfect

A confluence of digital, regulatory, and economic factors create an unprecedented opportunity

Digital Adoption
77%
Smartphone penetration rate
Growing 12% annually
GSMA Vietnam 2023
Regulatory Support
Decree 31/2023/ND-CP
New framework for fintech
Effective Q3 2023
Ministry of Finance, 2023
E-wallet Growth
60M+
Active e-wallet users
MoMo & ZaloPay integration ready
Vietnam E-Commerce Report, 2023
Proven Model
$1.2B
APAC fintech investments
With 24% annual growth
CB Insights Fintech Report, 2023

Competitive Landscape

Traditional Banks

24-36% APR
  • •
    Only 31% of adults have bank accounts
  • •
    Extensive documentation & credit history required
  • •
    5-7 day approval process
Market Share: 5% of target demographic

P2P Lenders & Loan Sharks

120-500% APR
  • •
    Hidden fees and predatory terms
  • •
    Exploitative collection practices
  • •
    No connection to actual earned wages
Market Share: 27% of target demographic

Qyubi

10% APR
  • Instant access to earned wages
  • Automated repayment at payday
  • Transparent, simple fee structure
  • Proven 32% worker retention benefit
Target Market Share: 60% of addressable market
Sources
State Bank of Vietnam 2023 • World Bank Financial Inclusion Report 2023 • Vietnam Ministry of Labor 2022

Meet the Founders

We've been best friends for 18 years—from breakdancing as kids to building startups today. We're both technical, but with different strengths: Anthony has the product vision and conviction from working with dozens of early-stage founders, while PJ brings deep technical expertise from scaling financial infrastructure at an early-stage company.

As children of Vietnamese refugees who came to America to start businesses, we grew up seeing the entrepreneurial spirit in our families—and the financial barriers they faced. We watched our parents navigate broken systems and knew there had to be better tools built specifically for Vietnamese workers and business owners, not just generic solutions that don't fit how people actually live and work.

We're not just another founding team. We're two friends who've been grinding together since we were teenagers, connected by our shared story and now using our startup experience to solve problems that matter to our community.

Anthony Tran

Anthony Tran

Co-CEO & Co-Founder (Product)

Full stack developer and designer who founded Cognify, providing technical teams to early-stage startups. Working with dozens of founders taught him what separates successful products from failed ones. His strength is having conviction and turning vision into reality.

LinkedIn
PJ Huynh

PJ Huynh

Co-CEO & Co-Founder (Technical)

Repeat founding engineer who has built and scaled multiple engineering organizations from the ground up. Currently at Reset, where he developed earned wage access infrastructure. His experience with fintech systems and track record of scaling technical teams give him unique insights into the challenges we're solving.

LinkedIn

Ready to Transform Vietnam?

Join us in building the financial infrastructure that will liberate 54 million Vietnamese workers from the monthly payroll trap.

Raising $750K Pre-Seed

Your investment will help us launch Vietnam's first earned wage access platform, bringing financial freedom to millions of workers.

Invest in Qyubi