- Specialization
- Not classified
- Business
Financial Servicesand 1 more business valuesLess
- Software Applications
- Market
- Financial Services
- Ecosystem
- Not applicable
- Customers
Enterprisesand 1 more customers valuesLess
- Consumers
More details
- Organization type
- Commercial Company
- Ecosystem
- Not applicable
- Business
- Financial Services, Software Applications
- Specialization
- Not classified
- Market
- Financial Services
- Customers
- Enterprises, Consumers
- Delivery models
- Hosted Software
- Revenue models
- Not classified
- Listing status
- Not classified
- Latest equity round
- Not classified
- Reported funding amount
- Not classified
About
GIMO is a Vietnam-based fintech building an employee-benefits platform with on-demand pay, flexible payroll, expense tracking, and welfare benefits such as financial education, healthcare, and shopping utilities. It sells through corporate employers to blue-collar and underbanked workers, differentiating itself by integrating with employers’ management systems and combining earned-wage access with broader financial-wellness support.
Market
GIMO competes in Vietnam’s emerging earned-wage-access, payroll, and employee-financial-wellness market, serving underbanked workers through corporate employers. It positions itself as a comprehensive employee-benefits platform rather than only a salary-advance product, combining on-demand pay with phone top-ups and shopping/BNPL benefits. Its differentiation is its Vietnam and Southeast Asia focus, employer/payroll partnerships, local scale, and specialization in underbanked blue-collar and gig workforces versus global EWA providers.
GIMO primarily serves Vietnamese corporate employers with large hourly, shift-based, blue-collar, or gig-worker populations that want to offer earned-wage access and broader financial benefits. The likely buying audience is HR, payroll, and employee-benefits leadership, while the end users are underbanked workers receiving the benefit through their employers.
At a Glance
Problem
GIMO addresses the cash-flow gap faced by Vietnam’s underbanked and predominantly blue-collar workers who may have earned wages but still need to wait for a fixed payday. Rising urban living costs of roughly 10–15% per year can leave workers living paycheck to paycheck, forcing them toward informal or predatory credit when unexpected expenses arise. The clearest use case is an urgent bill—such as a child’s school fee—before payday; GIMO’s own cited research says 40% of surveyed workers subsequently stopped using or relied less on informal financial services, while 80% reported lower financial anxiety.
Product / Service
GIMO is an employer-enabled earned-wage-access and employee-benefits platform. It integrates with a company’s management systems and lets employees use a mobile app to access up to 60% of wages they have already earned, rather than taking a conventional payday loan. Geofencing and self check-in are used to verify work and ensure that only legitimately earned wages are available. The platform also extends beyond on-demand pay into benefits such as salary advances, expense tracking, fee-free phone top-ups, and Pay Later or other exclusive deals, giving employers a financial-wellness benefit while helping employees manage short-term needs.
Market
GIMO competes in Vietnam’s emerging earned wage access, flexible-payroll, financial-inclusion, and employee-benefits fintech market. The category began appearing in Vietnam around 2019 and remains early-stage, with Vui App and Ekko identified as other key players. GIMO has differentiated itself by selling through medium-to-large employers and manufacturing businesses rather than operating only as a consumer lending app.
The company shows substantial operating traction rather than a pre-revenue or pre-launch profile. Its August 2025 company information says it served more than 150 enterprises and 700,000-plus workers, while an earlier Series A announcement reported funding of up to US$17.1 million and approximately 500,000 workers across nearly 100 businesses. The available evidence does not report revenue, but it does establish a sizable employer distribution base, a large active-worker reach, and significant institutional funding.
Founders & Leadership
Funding History
ThinkZone Ventures, BK Fund
Integra Partners
TNB Aura
TNB Aura
Recent News
The article names GIMO among Vietnamese startups that participated in Google programs and says these startups have made significant progress, including expansion into new markets.
The article reports that EVF partnered with Gimo in 2025 to provide earned-wage access, enhance employee benefits, and improve employers’ recruitment advantages.
GIMO, a fintech startup providing flexible pay and wage-receipt solutions for frontline workers, raised US$1.9 million in a subsequent funding round.
GIMO announced a US$17.1 million raise intended to support expansion and help close Vietnam’s financial-inclusion gap.
Gimo announced a cooperation with EVNFinance to expand its financial-welfare ecosystem for workers.
Gimo launched an exclusive member-benefits program offering members monthly gifts and varied discounts and promotions.
Active Roles
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Get notified when they postBusiness Model
GIMO appears to use a B2B2C model: it partners with corporate employers, integrates with their management and payroll systems, and delivers on-demand pay and employee-benefit services to employees. The corpus does not disclose a public price list or whether transfer fees are charged to employers, workers, or both, so the best-supported revenue characterization is employer-side platform and service income rather than a documented consumer-fee schedule.