Instant access to the wages you have already earned
Paena is not a lender. We simply advance you cash you have already earned. No interest and no debt.
Backed by Y Combinator Winter 2026
How it works
Verify your earnings
Connect your account, upload a recent paystub, and confirm how much you have already earned.
Get an instant advance
Request early access to a portion of your earned wages funded on chain in stablecoins.
Repay on payday
Repay through your bank account on payday with a transparent flat fee and no interest.
Why Paena
Not a loan
Every advance is tied to verified earned wages. No credit checks, no debt balances, no compounding interest.
Your wages on your schedule
Tap into the money you already earned instead of waiting for a fixed payday cycle.
Simple flat fee
Transparent pricing with a predictable fee per advance. No tips, no subscriptions, no surprise charges.
Built to be cheaper than traditional earned wage access
Paena is designed to take its upside from a small share of the flat fee so that the total cost to workers is targeted around five percent of what they might pay with many traditional earned wage access or payday style products. Our goal is to keep advances affordable, transparent, and aligned with users instead of maximizing fees.
Our value proposition is that Paena only takes a small share of the flat fees so workers keep at least ninety five percent of the economic benefit compared to many legacy providers.
Paena
- •Flat fee on each advance
- •Platform only takes a small share of the fee
Typical providers
- •Higher all-in fees
- •Tips, subscriptions, or hidden costs
Proudly backed by Y Combinator Winter 2026
We will only use your email to share product updates and early access opportunities.