# GIMO

> GIMO is a Vietnamese fintech that lets blue-collar workers draw a portion of their already-earned wages before payday through a mobile app connected to their employer's payroll. Founded in 2019 and part of Y Combinator's Winter 2022 batch, GIMO works with manufacturers and other large employers to give underbanked staff an alternative to predatory informal lenders, and has grown to serve hundreds of thousands of workers across the country.

- **Founded:** 2019
- **Headquarters:** Hanoi, Vietnam
- **Founders:** Quan Nguyen (Co-Founder & CEO), Nguyen Ngoc (Co-Founder & Chief Product Officer)
- **Team size:** Around 44-70 employees, based in Hanoi
- **Products:** On-demand Pay (Earned Wage Access), Instant payment / disbursement, Financial wellness tools
- **Notable:** Selected for Y Combinator Winter 2022 batch, Raised a total of US$17.1M Series A led by TNB Aura in 2023, Grew to serve roughly 600,000 workers across ~100 businesses

## Products & services

- **On-demand Pay (Earned Wage Access)** — A mobile app, integrated with an employer's payroll system, that lets workers draw a portion of their already-earned wages before payday - typically up to around 60% of earned pay - without interest or debt.
- **Instant payment / disbursement** — Wage disbursement to workers in seconds via bank and payment partner integrations.
- **Financial wellness tools** — Salary tracking, spending visibility, and financial planning features aimed at helping blue-collar workers manage cash flow and reduce reliance on informal lenders.

## Achievements

- Selected for Y Combinator Winter 2022 batch
- Raised a total of US$17.1M Series A led by TNB Aura in 2023
- Grew to serve roughly 600,000 workers across ~100 businesses
- 79% of surveyed workers report reduced financial stress; 40% report reduced reliance on informal lenders

## Latest updates

- **2023-07** — Closed US$17.1M Series A led by TNB Aura to fuel expansion across Vietnam.
- **2022-01** — Joined Y Combinator's Winter 2022 batch.

## Links

- Website: https://gimo.vn
- LinkedIn: https://www.linkedin.com/company/gimojsc
- Facebook: https://facebook.com/gimo.vn

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Profile page: https://yespress.io/gimo-yc-w22
Published by YesPress — https://yespress.io
Last updated: 2026-07-31