Everyday financial services for the people supporting two homes.
Chhaya brings protection, credit and everyday savings together on one platform — built into the journeys migrant employees already take.
A different kind of financial platform.
Migrant employees keep two households running. Chhaya builds financial services that work as hard as they do.
Embedded, not standalone
Protection, credit and savings delivered inside remittance, payroll and healthcare journeys — at the moment they're actually needed.
One platform, many rails
Banks, insurers, employers and service partners connect to a single platform instead of building these capabilities from scratch.
Proven operating model
The platform runs at scale across multiple countries, serving more than 100K customers.
More than cover
Customers save every day at partner healthcare providers, groceries, restaurants and on air tickets — value they feel weekly, not only in emergencies.
Where financial services meet everyday life.
The journeys our platform connects — each one an entry point where financial services are embedded rather than sold.
Remittances
Cover designed for the UAE's expat majority — protecting the sender here and the family the money supports back home.
Lending & Credit
Small, salary-linked credit through partner institutions — so a tight month doesn't become a crisis back home.
Health & Healthcare
Hospitalisation and family cover connected to digital consultations, partner clinics, labs and pharmacies — protection and care in one journey.
Everyday Savings
Discounts at partner groceries, restaurants, pharmacies and on air tickets home — real savings on the things customers already buy.
One platform. Four sides. Shared value.
For financial institutions
Banks, remittance providers and fintechs embed protection, credit and savings into their products through our platform — new revenue, deeper engagement, nothing to build.
For insurers
Licensed underwriters plug into embedded distribution — reaching customers inside financial journeys that traditional channels can't.
For service partners
Healthcare providers, groceries, restaurants and travel partners reach 100K+ loyal customers through the platform's everyday savings network.
For customers
Migrant employees get protection for their family, credit against the salary they earn, and savings on the essentials they buy — all in one place.
Value on both sides of the platform.
For people
Protection for two homes
One plan that covers the earner here and the family they support back home.
Access to credit when it counts
Small, salary-linked loans through partner institutions — without collateral, paperwork marathons or predatory rates.
Everyday savings through partner networks
Discounts at partner clinics, groceries, restaurants and on air tickets — value on the things customers already spend on.
For institutions
API-first integration
Connect protection, credit and savings capability to existing apps and journeys without rebuilding them.
New embedded revenue streams
Protection, credit and savings become additional lines of income inside products you already run.
Higher customer engagement and retention
Customers return to products that protect them, not only products that move money.
One platform. Two homes. Every day.
Chhaya gives migrant employees the financial services their lives actually need — protection for the family they support, credit against the salary they earn, and savings on the essentials they buy. For the banks, insurers, employers and service partners who serve them, it's all delivered through one platform.