What Worked does

Worked (워크드) is a Seoul-based B2E financial welfare SaaS platform operated by Salarify 주식회사, founded in 2022. Its flagship offering is a full-lifecycle 사내대출 (internal employee loan) management system that handles counseling, application, electronic contract, SGI guarantee insurance binding, disbursement, repayment deduction, and collection for Korean employers. The platform is differentiated by its SGI Seoul Guarantee Insurance license (손해보험협회 20231221201003호) and Financial Services Commission testbed completion, making it — per the company — the only purpose-built 사내대출 system of its kind in Korea, with annual loan flow exceeding KRW 500 billion across clients including 현대자동차, GS, 벽산, 교보생명, 헤이딜러, and 랩지노믹스.

The platform has evolved from a single-product loan system into a multi-product suite. The Worked Enterprise tier adds broader cash-based benefit administration (rent support, tuition funds, medical stipends) with ERP/HRIS connectors for SAP, Workday, and 더존, plus AES-256 encryption and SSO. Adjacent products include the Builder no-code form module, the DeskOn multi-channel helpdesk sub-brand, the 사내근로복지기금 GPT regulatory Q&A tool, a free employment certificate auto-issuance system, and a health/disease management EAP program distributed via 교보다솜케어.

The business model combines quote-based enterprise SaaS subscriptions with optional custom development and consulting. A free Starter tier targets 1-3 employee startups unable to qualify for SGI guarantee insurance, serving as a top-of-funnel for enterprise conversion. GTM is sales-led direct enterprise engagement supported by 152+ pieces of blog content for inbound lead generation, with distribution partnerships (교보다솜케어, 교보생명) extending reach into financial wellness and EAP channels. Pricing is not publicly disclosed.

Name

Worked

Legal name

Salarify 주식회사

Website

https://worked.im

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Worked (워크드) is a Seoul-based B2E financial welfare SaaS platform that runs Korea's only purpose-built 사내대출 (internal employee loan) management system, processing over KRW 500 billion annually for Korean enterprises with SGI guarantee insurance backing and integrated ERP/HRIS connectors.

Ownership category

akta.pro rank

Product category

Employee Financial Welfare Management Software

NAICS

Payroll Services (541214), Professional Employer Organizations (561330), Employment Services (5613), Health and Welfare Funds (525120)

SIC

Services-Computer Programming Services (7371), Finance Services (6199), Services-Employment Agencies (7361)

akta.pro primary industry

Benefits Administration (BPACAPAC)

akta.pro secondary industries

Employer-Sponsored / Payroll-Linked Personal Loans (Unsecured Installment) (FSAKAAAM), Human Capital Management (HCM) & Payroll Platforms (HDAEAEAJ), Payroll Software & Payroll-as-a-Service (SaaS) (BPACAIAB), Worksite Financial Wellness & Employee Assistance Programs (EAP) (FSAIAMAN)

Keywords

• Employee loan management
• Corporate welfare platform
• Financial benefits SaaS
• HR benefits administration
• Internal loan system

Headquarters

HQ city

Seoul

HQ country

South Korea

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS 구독료: Cloud-based software subscription model where companies pay recurring fees to use the Worked platform for employee financial welfare management including in-company loans, rent subsidies, education funds, and other cash-based benefits. Subscription tiers include Starter (free for small businesses unable to obtain guarantee insurance), and paid enterprise tiers with varying account limits and features.
2. 맞춤 개발 및 컨설팅: Custom development and consulting services for enterprises requiring tailored workflows, company-specific process integration, and implementation support beyond standard platform configuration.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Worked is a cloud-based B2E financial welfare SaaS platform that digitizes the full lifecycle of in-house employee loans (사내대출) and cash-based corporate benefits for South Korean companies. Its flagship offering, Worked Loan, covers counseling, application, electronic contract, SGI guarantee insurance integration, disbursement, repayment tracking, and collection management. The broader Enterprise platform extends to housing funds, medical expense subsidies, rent support, and interest subsidies, with ERP/HRIS integrations, dedicated account management, and modular add-ons such as Builder, DeskOn helpdesk, and an AI labor welfare regulation assistant.

Product overview

Worked (워크드) is a Korean financial welfare platform operated by Salarify 주식회사 샐러리파이. The core offering is the 사내대출 (internal employee loan) platform, which processes over KRW 500 billion annually across startups and large enterprises. It is structured as a platform-plus-modules architecture: the Worked Loan product serves as the flagship, while the Enterprise platform provides a broader suite of cash-based benefit operations (학자금, 의료비, 월세, 이자지원) with ERP/HRIS integration. Additional modules include Builder (custom form creation), DeskOn (multi-channel helpdesk), 사내근로복지기금 GPT (AI knowledge retrieval), and a free employment certificate auto-issuance tool. The platform manages the full benefit lifecycle including counseling, application, electronic contracts, SGI guarantee insurance, disbursement, automated notifications (KakaoTalk), and repayment monitoring.

Differentiator

Problem solved

Functional benefit

Brands

• DeskOn (데스크온): Multi-channel helpdesk solution enabling ticket management, web widget inquiry intake, and customer communication via phone, messenger, email, and SMS.

Products and services

• Worked Loan (워크드 사내대출) Full-service internal employee loan (사내대출) management platform covering the complete loan lifecycle: counseling, application, electronic contract, SGI guarantee insurance, disbursement, repayment, and collection management for mid-term/early repayment and termination scenarios.
• Worked Enterprise (워크드 엔터프라이즈) Enterprise-grade employee benefits operations and management platform supporting cash-based welfare programs (housing fund, medical expenses, rent, interest subsidies, etc.) with system customization to match company-specific policies, ERP/HRIS integration (SAP, Workday, Daejon), financial-grade security (AES-256 encryption), SSO, and dedicated account management.
• DeskOn (데스크온) Multi-channel helpdesk (헬프데스크) solution for employee/customer inquiry management, supporting ticket submission via web widget, SMS, and email without login; includes category management, ticket assignee features, and integrated reply-by-channel functionality.
• Worked Builder (워크드 빌더) Form builder enabling HR administrators to create custom welfare application forms without coding, using 6 modules (consent, multiple choice, text, number/amount, date/time, file attach); supports three form types: payment management, information submission, and announcement.
• 사내근로복지기금 GPT AI-powered knowledge tool for 사내근로복지기금 (internal labor welfare fund) operations, providing real-time Q&A based on current labor welfare laws, enforcement rules, and practical case studies to assist practitioners with regulatory guidance and decision-making.
• 재직증명서 자동 발급 시스템 Free self-service tool enabling employees to instantly issue employment certificate PDFs via mobile or PC, with anti-forgery document numbering and verification, full audit logging, and no approval required.

Quantifiable outcome

• 교보생명 사례: 분기/월별 수백 명 복지 건 처리 시 업무 60% 단축
• +1 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature7 records

Partnerships

Three partnerships are on record, tiered minor and core.

• 교보생명minorStrategic or Co-development Partner · 1 January 2025교보생명 본사와 정식 업무 계약을 맺고, 교보 본사의 CS컨설턴트를 통해 법정의무교육을 제공하는 업무 협업. 'DA-Win' 서비스명을 통해 2만개 기업, 112만 임직원에 교육 제공実績.
• SGI 서울보증보험coreStrategic or Co-development Partner · 1 January 2023SGI 서울보증보험과 업무 협약을 통해 사내대출 전용 보증보험(생활안정자금보증보험)을 제공합니다. 이는 사내대출 미상환 발생 시 회사의 손해를 보장하는 핵심 상품으로, Worked는 SGI 라이센스를 보유하고 있습니다 (손해보험협회 20231221201003호).
• 교보다솜케어minorChannel Partner/ Reseller/ DistributorWorked의 EAP(임직원 지원 프로그램) 헬스케어 서비스를 100만 고객이 선택한 교보다솜케어를 통해 제공합니다. 건강/질병관리 특화 EAP 프로그램으로 전문 의료진 상담, 병원 예약, 간병인 연계 등을 지원합니다.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Personio: European HCM/SaaS incumbent offering benefits administration, payroll and HR workflows — overlaps with Worked Enterprise's broader cash-based benefits management scope but serves a broader HR suite use case.
• HiBob: Mid-market global HCM/HRIS platform; while not a lending product, it competes for the same HR decision-maker budget Worked targets via benefits and welfare modules.
• Toss: Korean super-app financial platform owned by Viva Republica with broad payroll, lending and employee payment features — domestic incumbent that could encroach on Worked's enterprise payroll-linked lending niche.
• Kakao Enterprise Work (카카오워크): Korean workplace/communication/HR platform by Kakao; competes for the same enterprise communication and welfare workflow budget and could expand into benefits administration.

Direct peers

• DailyPay: US-based earned wage access platform with deep employer integrations; competes on the same employer-billed, payroll-anchored employee liquidity and benefits proposition.
• PayActiv: US-based Earned Wage Access and payroll-linked financial wellness platform serving enterprise employers, comparable to Worked's payroll-linked employee loan business with similar HR-tech integrations and employer billing model.
• Salary Finance: UK-founded employer-sponsored employee loan and financial wellbeing platform, partnering with employers to deduct repayments via payroll. Closest global analog to Worked's core in-company loan product and B2E go-to-market.
• Even: US earned wage access and budgeting app delivered through employer partnerships — direct competitor to Worked's payroll-linked lending value proposition.
• ZayZoon: Canadian earned wage access / payroll deduction employee financial wellness provider focused on SMB and enterprise HR buyers; directly comparable in product and audience to Worked's in-house loan offering.

Emerging players

• Humanio (휴머니오) / WorkforceId: Korean HR/employee benefits administration SaaS startup offering welfare, vacation and benefits management for Korean enterprises — direct overlap on the cash-based welfare administration surface where Worked Enterprise competes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

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 Worked