KarmaLifeAI is India's largest Earned Wage Access (EWA) platform, focused on providing financial solutions for blue-collar and gig workers. Founded in 2020 and based in Bangalore, Karnataka, the company aims to empower these workers with earnings-linked, affordable credit solutions to enhance their financial resilience. KarmaLifeAI offers a variety of services tailored to its users' needs, including digitally integrated credit for real-time access to funds, payments and insurance solutions, and an AI-powered scoring system called KarmaScore to assess creditworthiness. The platform also features a UPI-linked credit stack for instant loans and pay-out advances, facilitating better cash flow management. By 2023, KarmaLifeAI had grown to serve over 2 million users and partnered with more than 40 digital gig platforms, including a pilot with Flipkart. The company's solutions have positively impacted both workers and businesses, leading to improved credit scores for workers and increased productivity for businesses. KarmaLifeAI has attracted funding from various investors, securing a notable seed round of $2.2 million in February 2022.