NiYO is a fintech company that offers digital banking solutions. Its products include NiYO Payroll Card, NiYO Global Card and NiYO Taxsaver Card. NiYO Payroll Card is a zero balance account with facilities like instant account opening, salary advance and free accidental death insurance. NiYO Global Card facilitates international transactions with features like zero foreign currency exchange premium, instant set-up, expedient loading on the go from any account via NEFT/IMPS. NiYO Taxsaver Card aims to maximize the take-home salary of the employees as it enables them to track, manage and claim numerous employee benefits like food, gift, fuel, travel, phone.