We are solving the issues of employees needing daily wages for household needs.

Why American employees need credit - and why they can’t get it EWA emerged as a potential solution to address persistent liquidity challenges faced by households that lack cash or other assets to manage periods of financial stress.

Unfortunately, this is a regular occurrence in American households - over half of Americans have no emergency savings and are living paycheck to paycheck. Not only do they have minimal savings, many are actually indebted: more than 1 in 3 Americans actually have more in credit card debt than emergency funds. 

The solution is Express Wages, an On-Demand Wages company for employees who need their wages instantly without delay.

Employees having the ability to have their wages on their terms is a game changer for the employee and the employer

Our target population is the underserved community who are having issues with getting access to daily wages. We are taking away them going to predatory lending institutions and that charge them high percentages and keeping them in debt. We also introduce them to financial wellness at no charge to increase their knowledge of finances so that will be able to receive current information for budgeting, Finances, and insurance information for their families.

My name is Alfred Milan and I am the CEO and I have a full diverse team that have over 100 years of experience in business and leadership to bring this vison to pass for success. Our teams have been on many successful teams in the past that have delivered results at a high level and we will do the same for this great product Express Wages.

We have built a website and app that is fully functional and applicable. We have beta tested our app and its is ready to launch in Q2 of 2024. Enclosed are some of the key Milestones of our company:

Key Milestones

Convert Health Care Company Q1 2024 (Completed) Meet Forecast of 37,500 Employees Year 1
Hire Great Sales team
One week of training for sales team in Memphis
Develop Website (Completed) Develop App (Completed) Partner with HR firm for growth (Completed) Develop a team and advisors for growth (Completed)

I am applying as the first African American Fintech company in this space to solve a massive issue of many Americans that are living paycheck to paycheck.

Unfortunately, this is a regular occurrence in American households - over half of Americans have no emergency savings and are living paycheck to paycheck. Not only do they have minimal savings, but many are also actually indebted: more than 1 in 3 Americans actually have more in credit card debt than emergency funds. 

Earned Wage Access, also known as On-Demand Pay, represents a major shift in how employees are paid for the work they do. Instead of receiving their pay at pre-agreed, fixed intervals - normally the end of the month or the end of the week - employees accrue pay on a daily basis, in much the same way as they accrue paid leave entitlement.

Then, at any time they wish, employees can withdraw a certain amount of the pay they have accrued, giving them unprecedented flexibility and control over their personal finances. 

The impact that we have is that any employee working for a company can now have instant access to their wages via our app Express Wages. if there was an emergency in their home this will allow them to now take control of their finances and increase financial wellness for their family.

We are measuring our progress by the number of employees who engage on the app and utilize the free resources that are on the application for any employee who needs the services of budgeting, mortgage information, and many other services.

Google Cloud Services contribute to data security:

Data Segregation: Financial data is isolated from other data within Google Cloud Services, limiting access to authorized personnel.

 Audit Logging: Activities related to financial data are closely monitored and logged for 

AWS (Amazon Web Services): AWS serves as a cornerstone of our security infrastructure. It incorporates a range of server security practices:

Identity & Access Managment: Robust access control mechanisms, including Identity and Access Management (IAM), are in place to prevent unauthorized server access. This allows administrators to manage user permissions effectively.

Encryption: AWS ensures encryption at rest and in transit, enhancing the security of stored data. Server-side encryption automatically encrypts data, while client-side encryption gives customers control over encryption keys. 

Network & Application Protection: AWS employs virtual private clouds (VPCs), security groups, and network access control lists (ACLs) to isolate and shield servers from unauthorized network traffic and potential threats.

Firewalls: Security groups within AWS function as built-in firewalls, enabling the definition and enforcement of network traffic rules to filter incoming and outgoing data according to specified criteria.

 Intrusion Detection and Prevention: Intrusion detection and prevention systems (IDPS) are employed to identify and mitigate potential threats by monitoring network traffic patterns and behavior. 

Alfred Milan CEO 901 489 3915

Audrey Milan COO 901 481 8087

Rodney Herenton Advisor 901 270 5424

Stacey Loper VP of Sales 205 761 3557

We started in December of 2022 and have been working continuously to bring this technology to life.

We hire based on abilities not ethnicities. We are serving the underserved communities, and we want to address that need in all communities not just underserved. Being an African American CEO diversity is important for our company to grow and get unique and fresh ideas to solve problems.

Our business model is very simple. We charge a fee for an employee that uses our app and need our services. If the need their wages instantly we charge $4.95. If they need them in 1-2 days we charge $3.95. We also a free version for our service on a debit card with our partner VISA.

Our plan is to raise money for the sustainability of the company. We have raised $500,000 in family and friends and are actively out raising money to grow the company for success in the future. We are looking Angels, VC, and other financial avenues to grow our company.