Your Money.
Instantly.
Hermesia gives people and businesses flexible access to earnings, real-rate FX, shared wallets and effortless savings—built for everyday money moments.
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Instant Pay Access
Built for everyday money
From shift work to salaried roles, from family budgets to travel—Hermesia is designed to be fair, secure and simple.
Pay As You Earn
Access a safe portion of wages as you earn. No more waiting for payday—ideal for shift workers, salaried staff and freelancers.
Real-Rate FX
Spend abroad at interbank rates with no hidden markup—made for holidays, work trips and studying overseas.
Auto-Savings
Round-ups and smart rules move spare change into your Vault automatically. Save without thinking.
Shared Wallets
Split bills, manage group funds and settle instantly—perfect for households, partners and teams.
Security First
Freeze cards, set limits, use single-use virtual cards and get instant alerts—bank-grade protections as standard.
Perks & Rewards
Useful discounts across travel, fitness, learning and tools—benefits that work for everyday life.
How Hermesia works
Connect payroll
Securely link your employer, platform or upload timesheets for pilots.
Track earnings live
See what you’ve earned today and this week—transparently.
Tap to access
Withdraw a safe portion instantly to your card with clear fees.
What could you access today?
Move the sliders to estimate instant access based on your work so far.
Illustrative only. Exact limits depend on integrations and risk policies.
Compliance & safeguarding
- KYC & AML checks on all users.
- Customer funds safeguarded with regulated institutions.
- Real-time fraud monitoring, device binding and step-up authentication.
- Data encrypted in transit and at rest; strict access controls and audits.
Fair pricing & limits
- Transparent fee shown upfront per access. No compounding, no late fees.
- Healthy caps (e.g. 30–70% of accrued wages) and daily/weekly ceilings.
- Free card, instant notifications, virtual cards and budgeting tools.
- Optional extras later: travel cover, advanced FX, premium materials.
Roadmap
Q1: Company & compliance
Incorporation, policies, vendor selection, employer outreach.
Q2: MVP & pilots
Payroll integrations, issuing, early pilots with partner employers.
Q3: UK roll-out
Scale integrations, premium tier, expand perks & FX.
Q4: EU entry
Passporting plan, localisation, additional markets.
For Investors
Market
UK workers across hospitality, retail, logistics, care and more; strong demand for flexible access to earnings.
Moat
Direct payroll integrations, brand trust and network effects from shared money features.
Business model
Fixed access fees, interchange, FX spread at real rates, premium tiers and employer plans.
Traction goals
Employer pilots, DAU/WAU ratio, CAC < ARPU, and 90-day retention milestones.
Join the waitlist
Drop your email below and we’ll confirm by email.
Questions or partnerships?
Employers and investors—talk to us. We’ll reply within one working day.