Financial Wellness

Their money. Working harder.

Tools that give your remote workers real financial flexibility. Grow their money with rewards. Access earnings before payday. No stress.

Future Fund

Grow their money. With real rewards.

A pocket inside their Global Account where money grows. No external account, no friction.

Future Fund

Flexible. Always on.

Up to

3%APY · variable

Reward
Up to 3% APY
Liquidity
Daily flexibility
Best for
Everyday balance
Future Fund +30Recommended

Locked. Rewarded.

Up to

4.0%APY · up to 4.0%

Reward
✓ Up to 4.0% APY
Liquidity
✓ 30-day lock
Best for
✓ Balance you want to grow faster
Paycheck Advance

Their earnings. Early.

Not a loan. Money they have already earned, available before payday.

In their pocket

One tap. Earnings unlocked.

A flat, transparent fee. No interest, no hidden cost. The total is deducted automatically from their next paycheck — through the same Global Account they already use.

Days worked

Earnings accrue daily

Request in app

Anytime, no paperwork

Auto-repaid

From the next payout

Get your advance flow inside the Ontop app

Peace of mind, not debt

Unexpected expense? Covered — without touching their Future Fund or taking a loan.

Why it's different

It's not a loan.

It's pay they've already earned, made available a little sooner. Zero interest, zero fees.

USD 6.4M

Currently growing in Future Fund · live

USD 184K

Rewards paid out to your team · YTD

3,217

Paycheck Advances used · last 90 days

When your team's finances feel stable, everything else performs better.