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💸 EWA

💰 Fees

📄 Terms

🔒 Privacy

👋 Welcome to Abhi Oman!

Ask me anything about Earned Wage Access, fees, terms, or privacy.

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Earned Wage Access

💸 What is EWA?

Access up to 50% of your earned salary anytime before payday. Not a loan — no interest, no credit check. Funds arrive in 30 seconds.

👷 For Employees

No hidden fees · Instant 30s transfer · Debt-free · Support loved ones before payday

🏢 For Employers

Zero cost · Higher productivity · Better retention · No signup fees

📱 How It Works

1. Login with National ID
2. Check earned balance
3. Enter amount
4. Money in bank in 30 seconds

🖥️ Employer Portal

View transactions · Set limits · Manage employees · Define incentive schemes · Repay Abhi post-payroll

Fees & Limits

💳 Per Transaction Fee

Amount	Fee
R.O 0 – 50	R.O 3
R.O 51 – 125	R.O 6
R.O 126 – 250	R.O 9

Excl. applicable taxes. Max per transaction: R.O 250

📊 Limits

Max/tx: R.O 250 · Monthly salary: 50% cap · Monthly cap: 20 tx or R.O 5,000 · Tenor: 30 days · Cooldown: None

🏢 Employer Cost

Zero. No signup or subscription fees.

Terms & Conditions

✅ Eligibility

Employer must be partnered with Abhi. Subject to CBO regulations and Oman laws. Employer decides which employees can access.

🔄 Repayment

Repayment happens in one of two ways, depending on the company: Option 1 — deducted directly from your bank account at end of salary cycle; or Option 2 — employer receives an invoice payable within 7 calendar days via cheque, IBFT, RTGS, or Bank Transfer. Our team will guide you on which applies. Non-repayment may be reported to Mala'a and may result in legal action.

❌ Cancellation

Cancel anytime via official channels. All outstanding advances become immediately repayable on cancellation.

📝 Term Changes

Immediate if required by law; otherwise 30 days' notice. Continued use = acceptance.

🏛️ Regulation

ABHI LLC operates under CBO Fintech Regulatory Sandbox.

📥 Data Collected

Name, National ID, salary & employment data, bank account, device info, usage logs, support records.

🎯 Purpose

Provide EWA, verify identity, process transfers & repayments, comply with CBO & Oman law.

📤 Third Parties

Employer (payroll), CBO, Mala'a (if breach), banks — only as needed.

✏️ Your Rights

Access, update, or delete data via care@abhi.om or +968 9660 5150.

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