# GIMO

**Source:** https://geo.sig.ai/brands/gimo  
**Vertical:** Finance  
**Subcategory:** General  
**Tier:** Emerging  
**Website:** gimo.vn  
**Last Updated:** 2026-04-14

## Summary

Vietnam YC W22 earned wage access fintech at $6.5M revenue 2024 with 500K workers served; $17.1M Series A Jul 2023 ThinkZone/BK Fund targeting 2.5M underbanked employees competing with MoMo for Vietnam financial inclusion.

## Company Overview

GIMO is a Ho Chi Minh City, Vietnam-based earned wage access and payroll fintech platform — backed by Y Combinator (W22) with $17.1 million in Series A funding in July 2023 in equity and debt from ThinkZone Ventures and BK Fund — providing Vietnam's underbanked workforce with financial services including earned wage access (EWA), payroll processing, and working capital management, reaching 500,000 Vietnamese workers and generating $6.5 million in revenue in 2024 with a 44-person team. Founded in 2019, GIMO targets 2.5 million underbanked employees by 2025, offering an alternative to predatory payday lending for workers in Vietnam's manufacturing, retail, and services sectors who need access to earned wages before their monthly salary payment date.

GIMO's earned wage access platform addresses the liquidity gap that creates dependency on informal lending for Vietnamese workers: Vietnam's standard payroll cycle pays workers monthly, but unexpected expenses (medical bills, home repair, school fees) create cash flow crises in the weeks between paydays. Without access to formal short-term credit, workers turn to informal lenders charging 50-100% annual interest rates for week-long loans. GIMO's EWA service (integrating with employer payroll systems to calculate the wages an employee has already earned but not yet received, then allowing withdrawals against that earned balance for a small flat fee) provides the financial bridge that eliminates the need for predatory loans — at a cost to the employee of less than 1% of the advanced amount versus the 2-5% weekly charged by informal lenders.

In 2025, GIMO competes in the Vietnam earned wage access, payroll fintech, and financial inclusion market with Fundiin (Vietnam BNPL, $3M raised), MoMo (Vietnam's leading e-wallet, $300M+ raised at $2.2B valuation), and Kredivo (Southeast Asia digital credit, $270M raised) for Vietnamese employer-sponsored earned wage access and worker financial wellness platform adoption. ThinkZone Ventures' and BK Fund's Series A leadership reflects Vietnam and Southeast Asia fintech investment conviction. Y Combinator W22 backing connects GIMO with the emerging market fintech investor community. The 500,000-worker reach at 15% revenue growth during Vietnam's economic slowdown demonstrates resilient demand for worker financial services. The 2025 strategy focuses on expanding the employer partnership base in manufacturing and retail (Vietnam's largest sectors by workforce), building the GIMO wallet for accumulated savings and insurance products, and growing to neighboring markets with similar underbanked workforce challenges (Indonesia, Philippines).

## Frequently Asked Questions

### What is GIMO?
GIMO is a Vietnam-based fintech company founded in 2019 that provides a financial platform helping underbanked workers access their earned wages and payroll services. The company offers Earned Wage Access (EWA) as an alternative to payday lending for Vietnam's underbanked workforce.

### What products and services does GIMO offer?
GIMO offers an Earned Wage Access (EWA) platform that allows workers to get paid as they earn, along with comprehensive payroll services. The company provides a complete financial services platform designed for underbanked employees.

### Who is GIMO's target customer?
GIMO serves underbanked workers in Vietnam who need access to their earned wages before traditional payday. The platform currently reaches 500,000 Vietnamese workers and aims to serve 2.5 million underbanked employees by 2025.

### When was GIMO founded?
GIMO was founded in 2019 and participated in Y Combinator's W22 batch.

### Where is GIMO located?
GIMO is based in Vietnam, where it serves the local underbanked workforce.

### What is GIMO's recent funding history?
GIMO raised $17.1M in Series A funding in July 2023, comprised of equity and debt financing. The round was led by ThinkZone Ventures and BK Fund, with participation from Y Combinator.

### What are GIMO's key financial metrics and achievements?
GIMO achieved $6.5M in revenue in 2024 and has demonstrated consistent revenue growth since its 2019 launch. The company maintains a 15% growth rate despite economic slowdown in 2023 and currently serves 500,000 Vietnamese workers with a 44-person team.

### What is GIMO's approach to serving underbanked workers?
GIMO provides Earned Wage Access (EWA) technology that allows workers to access their wages as they earn them, offering an alternative to traditional payday lending. This comprehensive financial platform addresses the needs of Vietnam's underbanked workforce through payroll integration.

### How many employees does GIMO have?
GIMO currently has a team of 44 employees supporting its operations and growth across Vietnam.

### What are GIMO's recent developments and growth projections?
GIMO raised $17.1M in Series A funding in July 2023 and achieved $6.5M in revenue in 2024. The company projects to reach 2.5 million underbanked employees by 2025, expanding from its current base of 500,000 workers.

## Tags

b2b, fintech, payment-processing, asia-pacific, startup

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*Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*