Multikrd
“Can a single white-label platform combining earned wage access, prepaid payroll cards, international remittances, and cashback rewards become the financial OS for hourly and underbanked workforces—delivered at no cost to employers?”
HQThe Woodlands, Texas, United States
IndustryFintech / Employee Financial Wellness
The story
Multikrd was founded as an employee financial wellness platform targeting employers seeking no-cost benefit differentiation. The company expanded from earned wage access and discount/cashback programs into a full prepaid payroll card (issued by Central Bank of Kansas City), positioning itself as an all-in-one financial health platform for hourly and underbanked workforces. The company also offers international remittances to 190+ countries and white-label solutions for HR/payroll platform partners.
Product timeline
2021
Multikrd LLC established as a financial services firm focused on employee financial wellness, offering earned wage access and cashback/discount programs.· banking
2025
Launched the Multikrd Payroll Mastercard, a prepaid card issued by Central Bank of Kansas City (Member FDIC), enabling direct payroll deposit for employees.· card
The stack
3 layers disclosed in Multikrd’s embedded-finance stack
Banking / BaaS
Card issuing
in the full report
Sponsor bank
in the full report
Accounting gap: none
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.