Kamai360 links a gig worker's earnings across every platform, app and UPI QR code into one portable financial identity — so credit, savings and income stability stop depending on which single app they happen to be logged into.
India already built the rails: UPI clears roughly 21.7 billion transactions a month, and the RBI's Account Aggregator (AA) framework has over 250 million linked accounts across 450+ institutions, cutting bank-data-based underwriting from days to hours. What's missing isn't data — it's a product that aggregates a worker's income across their gigs, not just within one platform's walled garden.
Earned-wage-access and credit tools today are typically switched on by a single employer or platform, covering only the earnings that flow through that one app.
The majority of India's gig workers work part-time and rotate across apps within the year — so any single platform only ever sees a fragment of their real earning capacity.
Lenders see a partial, noisy picture, so they reject, underprice, or push workers toward informal moneylenders — even when combined income across gigs is steady.
Kamai360 uses consent-based Account Aggregator + UPI history to combine income from every platform a worker uses — plus off-platform UPI receipts — into a single portable Kamai Score. The worker owns it, carries it between gigs, and uses it to unlock smoother income, better credit terms, and structured savings.
Combines UPI + AA data from every gig and payment source into one stability score — not just one platform's slice.
Auto-parks surplus from high-earning days and tops up slow days, turning lumpy daily pay into a steady weekly draw.
Partner NBFCs and banks bid for the worker's business using the Kamai Score — the worker picks the offer, not the other way around.
This is a live, clickable simulation of the worker-facing app — tap through each stage below.
Link your income sources
Choose what to include. You can remove any source later.
Your Kamai Score
Built from 4 linked income sources this month
Smooth your income
Same monthly total, steadier weekly draw
Off: today's draw follows whatever you earned today — feast or famine.
Offers for you
3 partners bidding on your Kamai Score of 712
Savings goal
Round-ups from every payment in, parked automatically
Most existing gig-worker fintech tools are switched on by a single employer or platform. Kamai360 is switched on by the worker.
| Model | Who turns it on | What it sees | Portability |
|---|---|---|---|
| Employer-linked EWA tools | The platform / employer | Earnings from that one platform only | Lost when the worker changes gigs |
| B2B credit-scoring engines | Banks & NBFCs (not the worker) | Whatever data the lender licenses | Score belongs to the lender, not the worker |
| Kamai360 | The worker, via consent | Every linked gig + off-platform UPI income, combined | Follows the worker across gigs, cities, even into salaried work |
A small referral fee from the lending/insurance partner the worker chooses — paid by the partner, never the worker.
A modest, disclosed spread on the smoothing buffer, similar to how EWA platforms price flexibility today.
Optional add-ons — accident/health micro-insurance, vernacular financial coaching — priced per worker who opts in.