The infrastructure to offer employee financial services
Clair helps payroll and workforce platforms deliver embedded On-Demand Pay directly inside the systems employees already use.
Workers don’t need another financial app. They need financial services built into the platforms they already rely on every day.
Why now?
Embedded vs. marketplace
Embedded On-Demand Pay can drive better business outcomes
Most providers call themselves embedded. Few actually are. Here’s what the difference looks like in practice.
Who it’s for
Clair’s On-Demand Pay works wherever you sit in the workforce ecosystem
Platform infrastructure
Purpose-built for scale, risk, and reliability
Clair’s infrastructure provides the compliance framework, underwriting engine, and embedded architecture to power financial services responsibly.
Clair Atlas
Our proprietary AI underwriting engine uses real-time employment and cashflow data (not credit scores) to approve advances and expand access while managing risk.
Compliance
Advances are originated by Pathward N.A., a national bank. Clair holds the appropriate brokering and servicing licenses. Your platform stays completely outside the credit flow.
Infrastructure
We built our funds disbursement and repayment mechanisms to operate at the scale of the largest workforce platforms.
Embedded delivery
Native integration that lives inside your product. No separate app, no employer activation, no disruption to how payroll runs.
GenAI-ready
Clair gives partner engineering teams an AI-ready assistant for implementation, with step-by-step guidance tailored to their language and platform.
