Launching September 1, 2026— days
Earned wage access for Canadian employees
Available in Canada

Need cash before payday?

Platform goes live on

September 1, 2026

—days
—hours
—min
—sec

312 people waiting of 1,000 early access spots

Emet lets salaried and employed Canadians access a portion of wages they've already earned — before payday. Low fees. No credit checks. Sign up free for our September 1 launch — no commitment, no strings attached.

Join free waitlistSee how it works
Bank-level security
No credit impact
Canada only · Low fees
Earned wage access

Hi, Alex

Income verified · Funds ready

72%Available
Earned this pay period$1,580 / $2,200
Income verifiedAvailable now
Available to access
$1,580 CAD
Of $2,200 earned
Next payday
$620 CAD
In 9 days
Verified
Yes
Instant
Core
Secure
Ready
How Emet works

Your pay, on your schedule.

Earned wage access is simple: you've already worked for the money — Emet helps you use it when you need it. Three clear steps. Transparent fees. Built for employees across Canada.

01

Verify your employment

Connect securely and confirm you're employed with steady income. Direct-to-consumer signup or through your employer's payroll integration — both work.

EmploymentCredit
Income verified
Salary-backed access ready
Learn more
02

See wages you've earned

View how much of your paycheck is already available. You access money you've earned.

Earned$1,580 available
$072%Available
Learn more
03

Transfer when you need it

Move funds to your Canadian bank account in minutes. Small, transparent fees — not payday-lender rates. The rest arrives on payday as usual.

Fast
Clear fees
No credit hit
Learn more
Designed to feel safe

Not a payday loan. Your earned wages.

Emet is earned wage access — a modern alternative to predatory advances. Transparent pricing, no credit score damage, and bank-grade privacy. Sign up costs nothing and commits you to nothing.

How it feels
Salary-backed access
72%Available
$1,580CAD
Only wages you've already earned
transparent pricing
EarnedClear limits, always
Fee
Low
Credit
Safe
Signup
$0
Not a payday loan
Earned wages only
Included
  • Access what you've already worked for
  • No rolling high-interest debt
  • Responsible access limits
Clarity100%
Low, clear fees
No surprises
Included
  • Simple ATM-style transfer fees
  • Pricing shown before you confirm
  • No hidden interest or traps
Clarity100%
No credit impact
Your score stays yours
Included
  • No hard credit checks to get started
  • Doesn't report like a loan
  • Built for financial wellness
Clarity100%
Bank-level security
Private by design
Included
  • Encrypted connections
  • Your data stays private
  • Canada-focused compliance
Clarity100%

What you can count on

Built for trust
Salary verified
Low fees
No credit hit
Instant transfer
Employer option
Free waitlist
Two ways to use Emet

Built for employees and employers.

Use Emet on your own, or offer it as a workplace benefit. Same platform — clearer cash flow for people, stronger retention for companies.

For employees
Fast · Fair · Private

Direct access for workers

Sign up yourself when we launch. Verify income, see what's available, and transfer earned wages when life won't wait for payday.

Access earned pay
Use wages you've already worked for.
Included
Minutes, not weeks
Funds can land in your account fast.
Included
Low transparent fees
Know the cost before you transfer.
Included
No credit damage
Not designed like a payday loan.
Included
Free to join waitlist
No commitment. Cancel anytime mindset.
Included
Employee readiness62%
For employers
Retention · Wellness · Simple

Payroll-integrated benefit

Offer earned wage access through your payroll or HCM stack. Employees get flexibility; you get a modern benefit without rewriting payday.

Easy integration
Connect with modern payroll workflows.
Included
Boost retention
Financial stress is a top reason people leave.
Included
Happier teams
Give control over earned pay timing.
Included
Minimal payroll change
We handle access; you keep your cycle.
Included
Canada-ready
Built for Canadian employers and employees.
Included
Employer fit78%
One platform

Consumer access + employer integration.

Whether someone finds Emet on their own or through work, the promise is the same: access earned wages safely, with low fees and no payday-loan experience.

Employer path
Benefit & retention
62%→48%
Employee path
Direct-to-consumer access
20%→55%
Signing up for the waitlist is free, optional, and commitment-free.
Why Emet exists

Payday shouldn't decide when you're okay.

Unexpected bills don't wait for biweekly pay. Earned wage access helps employed Canadians cover real life without turning to predatory advances.

Before
Stressed

An unexpected expense hits

Car repair. Medical bill. Rent gap. Payday is still days away — and high-cost options feel like the only door open.

Bill due today−$75
Car repair · $650
StressHigh
With Emet
In control

Access what you've earned

See available wages, transfer what you need, and keep the rest of your paycheck on schedule — with clear fees and no credit scare tactics.

Access approved$650 available
Salary verified
CalmStable
After
Steady

Payday stays intact

You handled the moment. Your remaining wages arrive as usual. Financial stress doesn't have to run your week.

Transfer sent+$48.20 CAD
Funds on the way
ControlRestored
A calmer kind of pay flexibility

Financial flexibility, without the trap.

Emet is earned wage access for Canada — for employees who need timing flexibility, and employers who want to offer a benefit that actually helps.

Your income. Your timing.
Wait for payday
Optional
Credit impact
None designed
Signup cost
$0
Launch
Sept 1

Illustrative product framing. Final transfer fees and limits will be shown clearly in-app before you confirm.

For Canadian employees

Built for workers across Canada.

Emet is launching first in Canada — bilingual English and French, priced in CAD, and designed for salaried and employed people who need pay flexibility without payday-loan risk.

Canadian professional — earned wage access

“People shouldn't need a payday loan because their paycheck arrives next Friday. Earned wage access is simply accessing money you've already earned.”

Emet team·Building for Canadian employees

Canada-first from day one

Ontario
Employees & employers
CAD
Quebec
Bilingual EN + FR
CAD
British Columbia
Direct + workplace
CAD
Alberta
Salary-backed access
CAD
Atlantic Canada
Waitlist open
CAD
Prairies
Launching Sept 1
CAD
Availability
Canada only
Languages
EN + FR
Currency
CAD
Launch
September 1, 2026
Clear by design

See what's available, then transfer.

A calm dashboard for earned wage access: verified income, available balance, and transfers you understand before you tap confirm.

Available balance up front

Know exactly how much of your earned wages you can access.

Income verification you can trust

Salary-backed access with a clear verified status.

Transparent transfer fees

See the cost before you move money — no payday-loan surprises.

Employee or employer path

Join directly, or through a workplace integration.

Web first. Mobile apps planned after launch.
9:41
Highlights
Why people choose Emet
Transfer options
Instant transfer
Shown before confirm
Income verified
Low clear fee
No credit hit
Canada only
Recent
Instant transfer$750
Payday repaymentPayday
9:41
Hi, Alex
Available to access
Income verified
OK
$1,580
Of $2,200 earned
Ready now
Next paydayAuto repay on payday
$620 CAD
Yes
Verified
Low
Fee
Fast
Speed
Join before launch

Be ready on September 1.

Employees and employers across Canada are joining the free waitlist — no commitment, no cost, no strings attached.

312
People on the waitlist
$0
Cost to join
None
Commitment required
Sept 1
Launch date

“I just want something that isn't a payday loan. Accessing wages I've already earned — with clear fees — is exactly that.”

Marie L.
Marie L.
Salaried employee · Toronto

“If we can offer this through payroll, it helps our team handle emergencies without the stress spiral.”

Julien D.
Julien D.
Operations manager · Montreal

“Signing up free for September with no commitment made it an easy yes. I'll decide later — for now I just want early access.”

Anika P.
Anika P.
Employed professional · Vancouver
As seen around financial wellness
Financial PostThe Globe and MailBetakitCBCCTV NewsLa PresseFinancial PostThe Globe and MailBetakitCBCCTV NewsLa Presse
Free waitlist · September 1, 2026

Get early access. No commitment.

Join the waitlist for free. We'll email you when Emet goes live on September 1. No payment. No obligation. No strings attached.

Platform goes live on

September 1, 2026

—days
—hours
—min
—sec

312 people waiting of 1,000 early access spots

Free to join · No commitment · Canada only · Bank-level security · Low transparent fees