Amela
PayrollLink Inc. — Platform Build Story
ℹ︎For confidentiality, company names, project names, and system images have been replaced with pseudonyms and mockups.

Without waiting for payday,Receive what you have earned, right nowone platform.

PayLead is an Earned Wage Access platform that lets employees receive pay they have already earned from their phone before payday. It unifies four roles — operator, agency, company, and employee — on a single platform.

For workers, “not enough cash until payday”; for companies, “a heavy adoption burden”; and “requests, credit checks, transfers, and billing all fragmented” — the launch story of building it all in-house from scratch, from timesheet integration to instant transfers and billing settlement.

View the build story Try the demo View the overview
Client companies
2,000+ companies
Request → receipt
a few minutes
Request window
24 / 365
Build time
12 months
Available amount
¥48,200
Calculated from this month’s work records
Request now
Request history
¥20,000Transferred
¥15,000Transferred
01
CLIENT
About the client

PayrollLink — eliminating workers’ “money worries.”

PayrollLink Inc. is a financial-services provider that offers salary advances as an employee benefit. Employees can receive pay they have already earned before payday, and companies can adopt it at no cost.

The service reaches companies nationwide through an agency network, connecting all four parties — operator, agency, company, and employee — on a single platform.

2,000+
Client companies
180K+
Registered employees
Nationwide
Agency network
BUSINESS FLOW
STEP 1
Attendance & payroll integration
Companies integrate attendance and payroll data
STEP 2
Calculate the available amount
Auto-calculate the available amount from hours worked
STEP 3
Employee requests
Pick an amount and request from your phone
STEP 4
Instant transfer & settlement
Instant bank transfers; billing settlement to companies and agencies
02
CHALLENGE
Design challenges to solve

Making “I want it now” happen — safely.

Balancing speed and accuracy
Precisely calculate “only what has been worked,” and from request to transfer take at most a few minutes to complete the transfer.
Company adoption burden
For companies to adopt at no cost adoption plus a mechanism to securely integrate attendance and payroll data — that is the requirement.
Financial compliance
Identity verification, terms consent, credit checks, limit management, and other finance-grade requirements must be met.
Division of work across four roles
Operator, agency, company, and employee each have permissions and duties differ, so they must be safely separated on a single platform.
03
ARCHITECTURE
The architecture we built together

Built four domains in-house, from scratch.

Together with PayrollLink, we unified the request, credit-check, transfer, and settlement domains into one platform.

Amela
EXECUTION
12
months
110
person-months
Domain ①
Available-amount calculation
Challenge
Precisely calculate “only what has been worked” from work records
Solution
Auto-calculation via attendance and payroll data integration
Display the available amount in real time
Domain ②
Request & credit check
Challenge
Securely handle identity verification, limits, and terms consent
Solution
A request and credit-check flow completed entirely on your phone
Automate OTP authentication and limit checks
Domain ③
Instant transfer
Challenge
Minimize the time from request to receipt
Solution
Instant remittance via bank-transfer integration
To the employee’s account in as little as a few minutes
Domain ④
Billing, settlement, operations
Challenge
Company billing, agency settlement, and company review are all manual
Solution
Automate billing, settlement, and operations management
An operations console with four-role permission separation
Frontend
ReactReact NativeTypeScript
Backend
LaravelPHPFirebase
Infra
AWSMySQL
04
IMPACT
The value the platform creates

Toward a system that is kind to both workers and companies.

Handle sudden expenses right away
Receive what you need in as little as a few minutes, without waiting for payday.
Companies strengthen benefits at zero cost
Boost your appeal for hiring and retention at no adoption cost.
Request anytime, 24/7
Request and receive anytime, right from your phone.
Operations automation
Automate review, transfers, and billing settlement to scale nationwide.
STAKEHOLDER
Employee
User
Typically
Anxious about running short of cash before payday
With PayLead,
Receive earned pay in as little as a few minutes
Freedom from money worries
STAKEHOLDER
Company (HR)
Client companies
Typically
Running the advance program is burdensome
With PayLead,
Provide benefits at zero cost
Stronger hiring power and retention
STAKEHOLDER
Operator & agency
Platform
Typically
Manual review, transfers, and billing hit a ceiling
With PayLead,
Automate review and settlement, managed in one place
Scalable to 2,000+ companies
DEMO

Experience three perspectives with a live, working demo.

Operate the employee, company, and operator screens directly in your browser.

FLAGSHIP
Employee
Advance-request app
Check your available amount, pick an amount, and apply. Instant fee calculation and transfer status.
Launch demo →
Company (HR)
Company admin dashboard
Utilization and monthly-volume KPIs with trends, employee and request lists, and fee settings.
Launch demo →
Operations
Operations console
Operate company review, transfer management, billing settlement, and the permission matrix.
Launch demo →