Salmon as Paycheck and Remittance Hub

The key move is turning Salmon from a one time checkout lender into the account where money first lands. When salary or remittance cash flows into a Salmon linked account, Salmon can see how often income arrives, how stable it is, and whether balances build or drain quickly. That gives it a cleaner basis for credit decisions, a direct repayment rail, and a reason for customers to keep using Salmon between loans.

• This is how deposit led consumer lending usually gets better. A lender no longer relies only on an application form or bureau file. It can watch real inflows and set up repayment from the same account, which lowers missed payments and supports larger repeat credit lines over time.
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• The Philippines is a strong fit because remittances are already digital and often arrive on wallets or bank linked rails. GCash has built dedicated remittance receiving flows and then layers savings and credit on top, which shows how the receive side of remittance can become a broader financial relationship.
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• Salmon already offers both lending and deposit products, so the pieces are in place. Its deposit flow lets users cash in from e wallets or bank apps into Salmon Bank accounts, which means payroll or remittance linkage can become a practical funding source, not just a marketing feature.
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The next phase is a shift from merchant led origination to cash flow led origination. If Salmon can become the place where paychecks and family transfers arrive, it can underwrite more customers with thin formal credit files, collect more reliably, and compound lending growth from an owned funding and data relationship.