> 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/produk.md).

# Ringkasan Fitur

Enam fitur inti Payana, masing-masing dibahas mendetail di halaman tersendiri.

<table data-view="cards"><thead><tr><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><strong>Earned Wage Access</strong></td><td>Tarik gaji yang sudah dihasilkan, kapan saja, real-time.</td><td><a href="/payana-saas-docs/produk/earned-wage-access.md">Earned Wage Access (Tarik Gaji Real-Time)</a></td></tr><tr><td><strong>Payroll &#x26; Pajak On-Chain</strong></td><td>Potongan BPJS/PPh21 otomatis, laporan compliance siap ekspor.</td><td><a href="/payana-saas-docs/produk/payroll-on-chain.md">Payroll &amp; Pajak On-Chain</a></td></tr><tr><td><strong>Kasbon</strong></td><td>Uang muka dari gaji sendiri, tanpa bunga pihak ketiga.</td><td><a href="/payana-saas-docs/produk/kasbon.md">Kasbon — Uang Muka Gaji</a></td></tr><tr><td><strong>Identitas SBT</strong></td><td>Sertifikat kerja on-chain yang bisa diverifikasi publik.</td><td><a href="/payana-saas-docs/produk/identitas-sbt.md">Identitas Ketenagakerjaan (SBT)</a></td></tr><tr><td><strong>Bounty &#x26; Tip</strong></td><td>Penghargaan dan apresiasi antar karyawan, dicatat on-chain.</td><td><a href="/payana-saas-docs/produk/bounty-dan-tip.md">Bounty &amp; Tip Antar Karyawan</a></td></tr><tr><td><strong>PHK Multi-Sig</strong></td><td>Pemutusan hubungan kerja dengan dua lapis persetujuan dan pesangon otomatis.</td><td><a href="/payana-saas-docs/produk/phk-multi-sig.md">PHK Multi-Sig On-Chain</a></td></tr></tbody></table>

## Peta fitur ke peran pengguna

| Fitur              |           Karyawan           |               HR              |    Legal   |
| ------------------ | :--------------------------: | :---------------------------: | :--------: |
| Earned Wage Access |            Menarik           |         Mengonfigurasi        |      —     |
| Payroll & Pajak    |         Melihat slip         |   Mengelola & ekspor laporan  |      —     |
| Kasbon             | Mengajukan & melihat riwayat |            Memantau           |      —     |
| Identitas SBT      |     Memiliki & membagikan    | Menerbitkan (via pendaftaran) |      —     |
| Bounty & Tip       |      Memberi & menerima      |            Memantau           |      —     |
| PHK                |  Menerima notifikasi & surat |   Mengajukan & mengeksekusi   | Menyetujui |


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