GIMO (YC W22) is a Vietnamese fintech startup that provides a mobile financial application allowing underbanked workers to access their earned wages before payday. This service helps workers manage unexpected expenses and reduces reliance on high-interest loans. For businesses, GIMO offers a payroll management system that optimizes HR costs and enhances employee welfare. The target audience includes underbanked workers and corporate employers. The unique selling proposition is offering flexible, instant access to wages, improving financial flexibility for workers while enhancing workforce stability for businesses. GIMO is backed by Y Combinator and has raised significant funding for expansion[2][4][5].