The smartest way to send, spend, save, and invest.

Getting paid in real-time for your work shouldn’t be a radical idea - We’re here to make it a reality with Pay Stream®. Track your earned wages securely on the app and stream them instantly when you need.

Osko PayID

Take control of your own pay

Nine25's Pay Stream'

We've partnered with leading employers such as yours to give you the freedom to choose when you get paid for work.

Nine25 helps you match income to your expenses, avoid predatory payday loan cycles, high-interest loans and pesky late fees.


Why Nine25?

Nine25 is an employee benefits app that enables access to earned wages in real-time, savings, investing and rewards.

Pay Stream®

Track and access your own earnings long before payday. Your money arrives instantly.

100% Debt-free

It's your money - you earned it. Access your unpaid wages without any risk of debt.

Deals and Discounts

Use your earnings before payday to avoid missing discounts that help you save.

Supercharge Savings

Set savings to auto-pilot. Auto stream your earnings each day to reach your targets.

Balance Shield

Detect and avoid bank overdraft fees plus auto top-up when your balance gets low.

Bills and Payments

Choose how and when you get paid to avoid missing bill payments and late fees.


How to Pay Stream®

How it works

Nine25 gives you a healthy way to access the money you've earned when you need it, and the power to plan — long before payday arrives.

Plug into payroll

Your employer plugs in our advanced technology to payroll to enable the real-time service with security and privacy.

Download the app

Track your earnings and expenses in real-time, withdraw earnings on-demand and plan long before payday.

Stream your earnings

Nine25 deposits funds to your account instantly without any impact to your employers cash flow or regular payroll.

Auto repay on payday

Each time you Pay Stream® your employer deductes amounts from your next pay cheque to reimburse Nine25.

Available on
App Store

Join the waitlist at your workplace.

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