At FVYY, we’re reimagining Buy Now, Pay Later (BNPL) as more than a retail trend — we’re transforming it into an enterprise-grade solution for employee health and wellness. Our next generation fintech platform extends zero-interest financing to essential care, enabling employers to offer more affordable, accessible benefits while improving team performance and well-being.

Why It Matters: The True Cost of Deferred Care

Across the U.S., employees are delaying critical health and wellness services—not out of choice, but necessity. Whether it’s skipping a doctor’s visit, putting off therapy, or avoiding prescriptions, the cost of inaction adds up:

A minor cavity becomes a costly root canal

Missed mental health appointments escalate into crises

Chronic conditions go unmanaged and spiral into serious complications

The impact?

Increased long-term claims

More sick days and reduced productivity

Higher employee turnover

Declining workforce morale

Financial Wellness Is Health Imperative

According to the TIAA Financial Wellness Survey, over 51% of employees believe employers should help support their financial wellness. For Gen Z, that number rises to 65%.

At FVYY, we understand: Financial anxiety = Health stress

Our platform offers employees a zero-interest Wellness Card with flexible repayment terms, up to 12 months — allowing them to seek care when they need it, without worry.

The results speak for themselves:

Typical employees average 4.7 sick days/year, compared to 8 days for others

Just one less sick day per employee across a 500-person team delivers a meaningful ROI

Reducing Turnover, Boosting Retention

Replacing a single employee costs an average of 6–9 months of salary. For a $65,000 role, that’s $32,500 per exit.

Let’s break that down:

In a 500-person company with a 13.5% turnover rate, that’s 67.5 annual exits

Improving retention by just 1.5% saves 7.5 employees

Annual savings: $243,750

Making HDHPs Work — Without Financial Trade-Offs

High-Deductible Health Plans (HDHPs) can offer major cost savings — but often leave employees feeling vulnerable. FVYY solves that.

Let’s break that down:

Employees save $167–$300/month on HDHP family plan premiums

Employers save $4,000–$5,000/year per enrolled family

Deductibles are manageable thanks to interest-free repayment, enabling smarter plan adoption without compromising care

The FVYY Advantage: Real Results, Real Impact

FVYY is more than a benefit — it’s a strategic investment.

Our platform delivers:

Immediate access to care for employees

Lower absenteeism and turnover

Organizational ROI

Stronger recruitment and retention tools for HR

A benefit that aligns with the expectations of today’s modern workforce

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Colin McDonnell

Founder & CEO, FVYY