> For the complete documentation index, see [llms.txt](https://payana-saas.gitbook.io/payana-saas-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://payana-saas.gitbook.io/payana-saas-docs/produk/earned-wage-access.md).

# Earned Wage Access (Tarik Gaji Real-Time)

Earned Wage Access (EWA) adalah fitur inti Payana: karyawan bisa menarik bagian gaji yang **sudah mereka hasilkan** kapan saja, tanpa menunggu tanggal gajian.

## Bagaimana cara kerjanya

Saat HR memulai stream gaji untuk seorang karyawan (`startStream` di `CompanyVault`), kontrak mencatat `flowRate` (gaji per detik) dan `startTs` (kapan stream dimulai). Dari titik itu, saldo yang bisa ditarik karyawan bertambah terus secara linear:

```
saldo_tersedia = (waktu_sekarang - waktu_klaim_terakhir) × flowRate
```

Tidak ada "gaji bulanan" yang menumpuk lalu dicairkan sekaligus — setiap detik kerja langsung menjadi saldo yang bisa diakses.

```mermaid
sequenceDiagram
    participant K as Karyawan
    participant F as Frontend
    participant B as Backend
    participant CV as CompanyVault
    participant P as Ponder Indexer

    Note over CV: Stream berjalan terus sejak startStream()
    K->>F: Buka halaman EWA
    F->>P: Ambil flowRate & saldo terakumulasi
    P-->>F: Data stream real-time
    F-->>K: Tampilkan saldo yang bisa ditarik
    K->>F: Klik "Tarik Gaji"
    F->>B: Minta relay UserOperation (gasless)
    B->>CV: claimSalary() via bundler
    CV->>CV: Hitung & transfer IDRX ke Smart Account
    CV-->>P: Emit event SalaryClaimed
    P-->>F: Update saldo & riwayat klaim
    F-->>K: Konfirmasi gaji cair
```

## Yang membuatnya berbeda dari payroll biasa

* **Bukan pinjaman.** EWA menarik uang yang sudah menjadi hak karyawan — bukan uang muka yang harus dilunasi dengan bunga (itu fungsi [Kasbon](/payana-saas-docs/produk/kasbon.md), fitur terpisah).
* **Real-time, bukan batch.** Saldo bertambah tiap detik, bisa dicek dan ditarik kapan saja — tidak ada siklus "tutup buku" bulanan yang menahan akses.
* **Gasless.** Setiap `CompanyVault` bertindak sebagai Paymaster ERC-4337 untuk perusahaannya sendiri — karyawan tidak pernah membayar gas untuk menarik gaji mereka.
* **Transparan.** Setiap klaim tercatat sebagai event on-chain (`SalaryClaimed`), diindeks oleh `payana-indexer`, dan bisa dilihat riwayatnya kapan saja oleh karyawan maupun HR.

## Panduan penggunaan

* Karyawan: [Menarik Gaji (EWA)](/payana-saas-docs/panduan-karyawan/tarik-gaji-ewa.md)
* HR: proses stream dikelola dari halaman [Mengelola Karyawan](/payana-saas-docs/panduan-hr-and-legal/kelola-karyawan.md)


---

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