Earned Wage Access, Built for Emerging Markets

Steppe Holdings builds fintech platforms that give employees access to wages they've already earned.

Work. Earn. Access.🇺🇦 Ukraine · 🇵🇱 Poland · 🇹🇷 Turkey

Earned to date

₴ 14,400↑ Day 18 of 30
Day 1Payday

Pay period — September

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Early access — Sep 12Reconciled on payday automatically
+ ₴ 5,200

Fee

₴ 246

Employer cost

₴ 0

Available now

₴ 9,200

Who we are

Closing the paycheck gap

Four smiling colleagues in an office, one holding a phone

“I could pay rent before payday for the first time.”

Olena, warehouse worker · Kyiv

Across emerging markets, employees often face cash-flow gaps between paydays. Steppe Holdings builds fintech platforms that give people access to wages they've already earned, when they need them.

Our model works for both sides of payroll: employees get more control over the timing of earned pay, while employers gain a practical benefit for hiring and retention.

Our first market

Launching in Ukraine with Tempo

We're launching in Ukraine under the brand Tempo.

Tempo integrates with employers' HR and payroll systems to calculate available earned wages and enable access before payday. The accessed amount is reconciled automatically through the employer's regular payroll cycle.

We plan to take the same model to other high-growth markets, including Poland, Turkey, Malaysia, and Indonesia.

  • UkraineLaunching
  • PolandPlanned
  • TurkeyPlanned
  • MalaysiaPlanned
  • IndonesiaPlanned

For employers

Designed for employees and employers

No Cost to Employers

No employer fee

Simple, Flat Fee

One clear, fixed fee per access.

24/7 Access to Earned Wages

Access a portion of wages already earned, anytime.

Risk-Minimized by Design

Built around Payroll controls

How the Model Works

Four steps from HR to pocket

  1. Integration

    Step 1: Connect

    API or file-based integration with existing HR and payroll software — no manual data entry.

  2. Data

    Step 2: Calculate

    Real-time calculation based on days worked, salary, and any deductions already applied.

  3. Access

    Step 3: Enable

    Employee requests a portion of earned wages through the Tempo app — instantly settled.

  4. Close

    Step 4: Reconcile

    The accessed amount is deducted from the next payroll run — zero manual reconciliation.

Contact us

Get in touch

Get in touch — for investment inquiries, partnerships, or general questions.

EMAILcontact@steppeholdings.com
Contact Us