Cappy is the new, and modern, way to manage pay. Together with empoyers we give employees access to their earned wages. With a clear overview of hours worked, earned wage, and the possibility for an employee to determine when to withdraw their earned income, thereby providing them freedom and security, in addition to motivation and loyalty towards their employer. Employers find it easier to recruit and retain personnel, while productivity increases in their existing workforce. All without impacting the payroll process or the company's liquidity.