How Advance works
Advance pays you today for money that is already on its way to you. When that money arrives, a small slice pays the advance back by itself.
The problem, in one picture
You finished the work. The money is coming. But not today.
85% of freelancers get paid late at least some of the time. Banks won't lend against money they can't see, and fast options like payday loans cost about 391% a year.
Four steps
That's the whole product. No paperwork, no credit card, no interest that grows.
Sign in with your face
Your passkey (Face ID or fingerprint) is your account. There's no wallet to install and no 12 secret words to write down.
We look at money you already receive
Advance reads the payments sent to your account on Monad: who paid you, how often, and whether those payers are real. You see every reason.
You get an advance in one second
Your first limit is $50. Pick an amount, see the exact cost in dollars, tap once. The money arrives before you put your phone down.
Your next payment repays it
Clients pay your Advance link like any payment link. 20% of each payment goes to repay the advance and 80% comes to you, in the same second.
Try it yourself
A simulator with pretend money. Take an advance, then press the buttons to have clients pay you. Watch the advance pay itself off.
You'll pay back $51: the advance plus a flat 2% fee. That's the whole cost.
Take an advance to start.
Where the money comes from, and goes
Advances are funded by savers. Repayments and fees flow back to them automatically.
Why it's safe to lend this way
The lender doesn't have to trust you to remember to repay. The repayment is built into the payment itself, by code.
Small to start
Everyone starts at $50. Limits grow only after advances are repaid in full.
Fake income is caught
If the people paying you are really you, Advance can tell, and says so in plain words.
Losses are cushioned
If someone never repays, savers who chose higher returns (Boost) absorb it first.