Tenpay Collective

Tenpay gives gig and shift workers their money the moment a job is done, plus a banking account built for income that never looks the same two weeks running. No more waiting on a Friday deposit when rent is due Wednesday.

We partnered with Tenpay back when instant payout was still a nice-to-have, because we believed it would become table stakes, and it did. The team built the rails carefully, so the unit economics held up as they scaled, which is where most consumer fintech falls apart.

The unfair edge is the employer partnerships. Tenpay sits inside the platforms where the work happens, so acquisition is nearly free while everyone else burns cash on ads. By growth stage the cohorts were deep and sticky, and that is what carried our conviction from the early days all the way through.