Mula X

The product

Mula X is a Thailand-based fintech company building financial inclusion tools for underserved workers in Southeast Asia: MULA Wallet (instant salary receipt and transfer at onboarding, no bank account needed), Salary Xpress (earned wage access so employees can draw pay before payday), a financial literacy e-learning portal, and benefits cards employers can load for staff.

The problem

Employees paid through informal or delayed channels had no visibility into what they’d earned until payday, and no easy way to access it if a bill came due early.

What I built

Backend services for the wallet and earned-wage-access flows: balance and transaction APIs, the ledger logic that tracks earned-but-unpaid wages against an employer’s payroll cycle, and the React front end employees use to check balance and request a draw.

Decisions and tradeoffs

• Ledger-based balance tracking rather than a simple running total, so every draw against earned wages is auditable back to a specific pay period.
• Redis for balance reads on the employee-facing app, since that’s the highest-traffic, latency-sensitive path, with Postgres as the source of truth underneath.

Outcome

Employees can see and draw against earned wages in real time instead of waiting for a monthly statement.