What Rosaly does

Rosaly is a Paris-based B2B financial wellness SaaS provider that enables employers to offer on-demand salary access and complementary financial tools to their workforce. Founded as a European fintech in 2021 and having raised approximately $11.8 million in cumulative funding (a ~$1.8M pre-seed in April 2021 and a $10M seed round in September 2022 led by Fin Capital), the company targets companies with 100 or more employees across two tiers — SMEs/ETI (100–5,000 employees) and Large Enterprises (5,000+). Its core product, Salary on Demand (Acompte sur Salaire), automates paycheck advances with 7–12 second transfer times and integrates with payroll, HRIS, and time management software to remove manual HR processing. Customers — including Carrefour, McDonald's, Burger King, Kuehne+Nagel, Groupe Bertrand, and Super U — access the platform free of charge, with Rosaly monetizing through B2B subscription fees sized by employee count on multi-year contracts.

The platform extends well beyond salary advances. Rosaly bundles a Financial Education Platform (Parcours email series and Radio Rosaly podcast authored by certified social and family economics advisors), a Social Aid Simulator covering 1,000+ French benefits, a Gift Voucher module offering up to 20% extra value at 100–300 partner retailers, a Tips automation module for hospitality with reported 79% adoption, a Mes Experts advisory service, an Overdraft Protection Shield, and an HR Monitoring Dashboard for KPI tracking. Distribution combines direct enterprise field sales (30-minute consultative demos with ROI simulations), inside sales for mid-market, channel partnerships with payroll/HRIS vendors and federations such as UMIH, an employee referral program feeding HR leads, and consumer-facing iOS/Android mobile apps for end users.

The company reports 100,000+ end users across 250–300+ client companies, an NPS of 78, a Trustpilot rating of 4.8, and average client outcomes of 27% turnover reduction, 52 hours of HR time saved monthly per 1,000 employees, and 534 euros saved per user annually in overdraft and bank fees. Rosaly is ISO 27001 certified, was named a Great Place to Work in January 2024, and has received two HR Innovation Awards in 2023. Following its 2022 seed round, the stated strategic priority is geographic expansion into additional European markets alongside continued product breadth.

Name

Rosaly

Legal name

Rosaly

Website

https://rosaly.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Rosaly is a Paris-based B2B financial wellness SaaS platform that lets employers offer on-demand salary access, financial education, social-aid simulation, and gift vouchers to their workforce, serving 250+ European companies and 100,000+ employees through payroll and HRIS integrations.

Ownership category

akta.pro rank

Product category

Employee Financial Wellness Software

akta.pro primary industry

Expense Management & Employee Reimbursements (FSAGAJAE)

akta.pro secondary industry

Benefits Administration & Enrollment Support (BPAAAIAB)

Keywords

• Earned wage access
• Employee financial wellness
• Salary advance platform
• Payroll-integrated benefits
• Workplace financial education

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. B2B Enterprise Subscription: Companies pay a subscription fee to provide Rosaly's financial wellness platform to their employees. The company covers 100% of costs for employees, making it free at the point of use. Pricing is based on company size (number of employees) with separate tiers for SMEs/ETI (100-5,000 employees) and Large Businesses (5,000+ employees).
2. Cash Advance Processing: While employees access salary advances at no cost, Rosaly manages the cash flow advance and working capital optimization for companies, potentially generating fee income from this service.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels10 records

Core offering

Rosaly provides a B2B SaaS financial wellness platform that lets employees access up to 50% of their earned salary on demand (7-second transfers) while delivering employers a suite including financial education, a social aid eligibility simulator for 1,000+ French benefits, gift vouchers with up to 20% bonus value at 100+ retailers, and an HR KPI dashboard. The platform is sold to companies as an employer-funded subscription, with employees accessing all features at no cost.

Product overview

Rosaly is a financial empowerment platform offering a unified suite of products for European employees. The core offering centers on Salary on Demand (paycheck advances with 7-second processing), complemented by a Financial Education Platform (Parcours email series and Radio Rosaly podcasts), Gift Voucher program (up to 20% value at 100+ retailers), Social Aid Simulator (1,000+ benefits eligibility check), Tips automation for hospitality, Mes Experts financial advisory service, and an HR Monitoring Dashboard. The platform targets companies of all sizes (100+ employees) and integrates with payroll and HR software for automated processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Salary on Demand (Acompte sur Salaire)
• Financial Education Platform Provides financial literacy resources for employees including the Parcours weekly educational email series and Radio Rosaly podcast (episodes under 5 minutes). Content covers budgeting, saving, retirement, and credit topics, and is written by certified social and family economics advisors (Conseillers en Économie Sociale et Familiale).
• Gift Voucher (Bons d'Achat) Provides employees with gift vouchers offering up to 20% extra value at over 100 partner retailers (up to 300 partners referenced in some sources). The product is provided to companies at zero cost and serves as an employee benefit and engagement tool.
• Social Aid Simulator Enables employees to check eligibility for over 1,000 social benefits in France and learn how to access available government assistance programs. Targeted at employees who may be missing out on social aid they are entitled to claim.
• Tips (Pourboires Rosaly) Automates redistribution of tips for restaurant and hospitality employees, allowing instant tip payments at the end of each service. Reports a 79% adoption rate in the hospitality sector among Rosaly's restaurant customers.
• Health Card (Carte Santé Rosaly) Health-related employee benefit offering distributed as part of Rosaly's employee benefits portfolio to subscribing companies.

Quantifiable outcome

• 27% average reduction in employee turnover among companies using Rosaly
• +6 more outcomes

Named customers15 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core, strategic and minor.

• Payroll Software ProviderscoreTechnology or IntegrationIntegration partnerships enabling Rosaly to connect with various payroll software systems for seamless implementation of on-demand salary functionality.
• HRIS (Human Resource Information System) VendorscoreTechnology or IntegrationTechnical integrations with HR information systems allowing automated processing of salary advances and synchronized employee data management.
• Time and Activity Management Software ProviderscoreTechnology or IntegrationIntegration partnerships with time tracking and activity management software enabling accurate salary advance calculations.
• 40 Organizational PartnersstrategicChannel Partner/ Reseller/ DistributorOver 40 organizational partners including federations, purchasing groups, and industry associations helping extend Rosaly's market reach across European sectors.
• UMIH (Union des Métiers et des Industries de l'Hôtellerie)strategicChannel Partner/ Reseller/ DistributorOfficial partnership with the French hotel and restaurant industry union, providing distribution channel to hospitality sector members.
• Gift Voucher Retail PartnersminorOthersOver 100 and up to 300 partner retailers offering gift vouchers with up to 20% extra value for Rosaly users. Includes major French retail chains.
• Financial Education Content PartnerscoreStrategic or Co-development PartnerContent created by certified social and family economics advisors and financial education specialists. Content is regularly updated and covers budgeting, saving, retirement, and credit topics.

Scale indicators12 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Even: US earned wage access app offering on-demand pay, budgeting, and savings tools to employees via employer partnerships. Direct product-line competitor with overlapping financial wellness features.
• Hastee: UK and Spain-based earned wage access provider focused on European employers. Direct regional competitor to Rosaly with similar B2B employer-funded on-demand pay model and hospitality/retail vertical focus.
• DailyPay: Major US earned wage access provider integrated with payroll and HRIS systems, selling to enterprise employers. Direct competitor in the on-demand pay category with a similar B2B SaaS subscription model.
• Payactiv: US-based earned wage access and bill-pay platform sold to employers as an employee benefit. Direct competitor in the EWA category with payroll-integrated salary advances and financial wellness tools.
• Wagestream: UK-headquartered earned wage access and financial wellness platform serving European employers. Closest direct competitor to Rosaly with the same B2B employer-funded model, on-demand pay, and financial education features.
• ZayZoon: Canada-based earned wage access platform targeting SMB and mid-market employers. Comparable in product scope and employer-funded pricing model, increasingly expanding into European markets.

Broad incumbents

• SD Worx: European payroll and HR services provider operating across multiple countries. Represents both a channel partner opportunity and a broad incumbent that could compete with bundled employee benefit offerings.

Regional players

• Silae: French payroll and HR software vendor serving SMEs/ETI with deep payroll system integrations. Strategic channel partner or potential competitor if it bundles native EWA features for its installed base.
• PayFit: French cloud payroll and HRIS provider that could embed EWA features or partner with/threaten Rosaly via its deep French SMB payroll footprint. Adjacent rather than direct, but controls the integration rails Rosaly depends on.

Emerging players

• Mintago: UK employee financial benefits platform offering salary advance, financial coaching, and savings tools via employer partnerships. Overlaps with Rosaly's financial education and on-demand pay modules.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/rosaly_app
• LinkedInlinkedin.com/company/rosalyapp
• Instagraminstagram.com/rosaly_app
• Facebookfacebook.com/rosalyapp

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds4 records

Investors20 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rosaly