Mula-X is a BOI-promoted company that operates through its flagship MULA mobile application with a commitment to social and economic impact. Founded in 2020 by a group of visionary bankers, Mula-X was established with a mission to make financial services accessible and to enhance financial literacy, particularly among the underserved and unbanked communities. With a strong belief in financial inclusion, the company aims to empower individuals who have traditionally been left out of the formal financial system.

Headquartered in Thailand, Mula-X focuses on serving underserved populations across the Southeast Asian region. The company has grown rapidly, currently supporting 50 companies and managing nearly 10,000 digital wallets. Its innovative suite of products includes:
SalaryX (Earned Wage Access) – Allowing users to access their earned wages before payday, offering greater financial flexibility.
MULA Wallet – A secure digital wallet designed to support salary payment, particularly for those who do not have access to a bank account.
MULA Benefits Card – Providing access to tailored financial and lifestyle needs as a part of employee benefits.
Micro Services – A set of micro-financial tools and services designed for everyday needs.
MULA Learning Portal – A hub for financial education with gamified learning modules, budgeting tools, debt calculators, a digital library, and more.

Mula-X’s impactful work has earned it notable recognition, including the Impact Awards from the American Chamber of Commerce in 2023 and 2024, as well as the 2022 Global Economics Award for the Most Innovative Digital Ecosystem for the Underserved. By combining financial technology with a deep commitment to social impact, Mula-X continues to lead the way in promoting financial wellness and empowerment for underserved communities throughout Southeast Asia.