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Paywatch lets employees access wages they have earned before payday.
Founded in 2020 and based in Kuala Lumpur, Malaysia, Paywatch provides earned wage access through integrations with employers and banks. Employees can withdraw earned pay before payday, and the service operates in Malaysia, South Korea, Hong Kong, the Philippines, and Indonesia. CEO Richard Kim leads the company. On November 7, 2025, Paywatch raised USD 20 mn in Series A funding co-led by Artem Ventures and Kakaopay to expand its platform and develop micro-insurance and cross-border payments.
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