Built to power financial services at scale
Most financial products sit alongside the platforms employees use. Clair’s products live inside them.
Embedded architecture
A native feature that lives inside your product
There’s a difference between a product that connects to your platform and one that’s embedded inside it. On-Demand Pay feels like a native feature, not a vendor your customers manage or an app employees need to download.
For your platform
Your brand stays front and center. Clair is the infrastructure underneath.
For your employers
No activation, configuration, or funding liability. On-Demand Pay is there from day one.
For their employees
Access to their earned wages inside the platform they already know and trust.
Clair Atlas
Underwriting based on current data, not the past
What powers our underwriting
Paycheck consistency and stability over time
Work patterns: hours, shifts, regularity
Job tenure and employer reliability signals
Repayment history with Clair
Behavioral signals from platform engagement
Cashflow data from non-payroll partners
Infrastructure
Payment flows owned by Clair
We built our funds disbursement and repayment mechanisms to operate at the scale of the largest workforce platforms.
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Stay on 1-3 business days
Payments
Standard transfers in 1–3 business days. Instant transfers in seconds.*
Checking 0937
Repayments
Automatic through payroll or ACH. No manual intervention required.
Settlements
Handled directly with Pathward®, N.A. Clean, auditable, enterprise-grade.
Real-time data sync
Available balances and underwriting stay current as payroll and other user data.
GenAI-ready
Built for the agentic era
Clair gives partner engineering teams an AI-ready assistant for implementation, with step-by-step guidance tailored to their platform. Whether your team is integrating for the first time or expanding an existing deployment, the assistant walks through every step without requiring a support ticket or a call.
Drop in a markdown file and your LLM starts guiding the integration
Built to support AI-native workflows as the ecosystem evolves
Run Clair AI Setup
I’m your Clair integration assistant. I’ll guide you through connecting your app to Clair step by step.
Type / for commands
.md
Compliance
Structured so your platform stays outside the credit flow
Clair partnered with a national bank as the actual lender. That structure protects your platform and is durable as regulation in this space evolves.
Pathward®, N.A. is the lender
All advances are originated by Pathward, a national bank, from its own balance sheet.
Your platform stays out
You’re in the flow of information, not funds. No involvement in the origination means no liability or repayment risk.
Clair holds the licenses
Clair holds brokering and servicing licenses where required. We facilitate access but don’t issue advances directly.
We monitor the regulation
Clair monitors EWA legislation across all 50 states and federally. When something changes, we handle it for you.
“We evaluated all the major players in the On-Demand Pay space, and Clair stood out as our ideal partner, bringing both the compliance framework and technical capabilities we need to offer advances right inside our existing app.”
Dan Loomis, General Manager, Gusto
