The company offers real-time access to credit for gig workers based on their payroll account, allowing them to pay for key expenditures and manage their consumption patterns. Through partnerships with digital platforms, KarmaLifeAI operates an interest-free subscription model, enabling gig workers to access credit up to one-third of their monthly income. By analyzing alternative data points and payment behavior, the company unlocks higher credit lines for workers. Their smartphone-linked credit-on-tap service is routed through aggregators and employers, providing users with funds to manage day-to-day cash flows and reducing reliance on rigid payout schedules and expensive external loans. With a focus on creating sustainable livelihood opportunities, KarmaLifeAI aims to support the well-being of gig workers and improve the gig economy as a whole.