The first Shariah-compliant earned wage access solution in the UK, empowering Muslim workers with ethical financial flexibility while generating competitive returns for investors.
Million UK Workers
Million UK Muslims
% Financial Stress
Billion Loan Interest
Despite a ÂŖ6.5 billion Islamic finance sector, UK Muslims lack Shariah-compliant financial tools for everyday needs.
Monthly Pay vs. Weekly Expenses
Most workers face cash flow gaps between pay periods
Limited Shariah-Compliant Options
Muslims must choose between faith and financial needs
Interest (Riba) in Conventional Solutions
Traditional credit products violate Islamic principles
| Metric | Current | 2026 |
|---|---|---|
| EWA Users | 1.2M | 4.8M |
| Transaction Vol. | ÂŖ980M | ÂŖ2.2B |
| Muslim Users | 85K | 720K |
| Islamic EWA | ÂŖ42M | ÂŖ330M |
Why Now: Rising living costs, growing Islamic finance awareness, and increasing EWA adoption create the perfect market opportunity for Islamic EWA solutions.
76% of UK Muslims prefer faith-aligned financial solutions.
25% CAGR in global earned wage access market.
67% of UK workers report increasing financial stress.
The UK's first Shariah-compliant EWA platform, allowing instant access to earned wages without interest (riba).
Flat ÂŖ2.50 fee, no interest or percentage-based charges.
Complete Work Shift
Clock in/out with biometric verification to confirm hours worked.
Earnings Verified
Platform verifies earned wages with employer systems.
Request Access
Use app to request up to 90% of earned wages.
Instant Transfer
Funds sent immediately to your bank account for ÂŖ2.50 flat fee.
Payday Reconciliation
On regular payday, employer pays full wages, and platform reconciles previous withdrawals.
| Feature | GPOD Islamic EWA | Conventional EWA | Payday Loans |
|---|---|---|---|
| Shariah-Compliant | |||
| Fee Structure | Flat ÂŖ2.50 | 1-5% of withdrawal | Up to 1500% APR |
| Access Limits | Up to 90% of wages | 30-80% of wages | Fixed loan amounts |
| Transfer Speed | Instant | Same day | 1-3 days |
| Additional Costs | None | Monthly subscription | Late fees, rollovers |
Faith Alignment
100% halal financial solution without riba.
Financial Flexibility
Access wages when needed most.
Reduced Stress
Meet urgent expenses without debt.
Transparent Pricing
Always ÂŖ2.50, no hidden costs.
Operates on a fixed fee model, eliminating the interest element that makes conventional credit haram.
Riba is strictly prohibited in Islamic finance. Our platform charges a fixed service fee (ÂŖ2.50) rather than an amount that increases over time or is calculated as a percentage of the advanced amount.
Scholar Verification:
"The fixed fee model for accessing already earned wages does not constitute riba as it's a service charge, not compensation for the use of money over time."
- Sheikh Dr. Mohammad Abdullah
Acts as an agent (wakil), not a lender, facilitating access to wages that have already been earned.
Our platform operates on the Islamic principle of Wakalah (agency), where GPOD acts as an agent facilitating access to workers' already-earned wages for a fixed fee, rather than lending money.
Key Shariah Features:
Eliminates uncertainty with clear terms, accessing only verified earned wages with transparent fees.
Islamic finance prohibits excessive uncertainty (gharar) in transactions. Our platform eliminates gharar through:
Verified and approved by respected Islamic scholars
Sheikh Dr. Mohammad Abdullah
Oxford Centre for Islamic Studies
Mufti Faraz Adam
Amanah Advisors
Platform built with Islamic principles as foundation
Comprehensive evaluation by Shariah experts
Formal compliance certificate issued
Our Shariah board conducts quarterly audits to ensure continuous compliance with Islamic finance principles as the platform evolves.
Secure, scalable platform for Shariah-compliant services with employer integration.
iOS/Android with biometrics
Cloud microservices
Payroll integrations
End-to-end encryption
Compliance Engine
Validates all transactions against Shariah principles
Halal Tracking
Ensures all money flows remain Shariah-compliant
Seamless connections with payroll systems and financial infrastructure:
Ethical revenue streams fully aligned with Islamic finance principles.
Transaction Fee
ÂŖ2.50 flat fee per withdrawal
ÂŖ2.50 per EWA transaction
Tiered plans: ÂŖ59âÂŖ499/month
Shariah-Compliant Revenue:
All revenue streams are derived from fixed service fees rather than interest (riba), ensuring complete compliance with Islamic finance principles.
| Metric | Y1 | Y3 | Y5 |
|---|---|---|---|
| Employers | 85 | 1,200 | 4,800 |
| Users | 12K | 250K | 850K |
| Monthly Trans. | 28K | 625K | 2.1M |
| Annual Revenue | ÂŖ1.8M | ÂŖ28.2M | ÂŖ62.5M |
Key Growth Drivers:
Ethical, Shariah-compliant returns while supporting financial inclusion.
Return Sources:
Transaction Fee Revenue
Fixed ÂŖ2.50 per EWA withdrawal
Employer Subscriptions
Monthly SaaS revenue from business clients
Platform Growth
Equity value appreciation with user scale
Shariah-Compliant Returns:
All returns are derived from legitimate business activities and service fees rather than interest-based income, ensuring full Shariah compliance.
Revenue Per Transaction
Cost Per Transaction
Gross Margin
Mobile apps, API enhancements, integrations
Customer acquisition, branding, outreach
Team expansion, compliance, infrastructure
Float for EWA transactions and operations
Q3 2025
Platform launch with 50+ employers
Q2 2026
100,000+ active users
Q4 2026
Breakeven with positive cash flow
ÂŖ3M Equity
15% Stake
8-12% Annual
3-5 Year Horizon
First-Mover Advantage
First Shariah-compliant EWA platform in the UK market
Ethical Returns
Strong financial returns while supporting financial inclusion
Scalable Business Model
High margins with network effects and recurring revenue
Join us in building the first Shariah-compliant earned wage access platform that combines ethical financial returns with meaningful social impact.
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