# QRails (Issuer)

> Issuer-processor and certified earned-wage-access (EWA) provider; AnyDay on-demand pay white-labeled for HR/payroll platforms.

## Facts
- **Website:** https://www.qrails.com
- **Headquarters:** Denver, Colorado, United States
- **Country:** United States
- **Founder:** Gerard Francis Griffin, Laurence E. Molke, Naseer Nasim
- **Funding stage:** Acquired
- **Categories:** Earned Wage Access

## Overview
QRails Inc. is a prepaid-payments issuer-processor and one of the first vertically integrated providers of certified earned wage access, operating in the US and UK. Its flagship AnyDay product is white-labeled for major HR & payroll providers and integrates with payroll and time-and-attendance systems, enabling employees to access earned wages on demand. Acquired by XTM Inc. in 2023.

## Leadership
- Gerard Francis Griffin — founder ([profile](https://www.dhrmap.com/people/gerard-francis-griffin))
- Laurence E. Molke — founder ([profile](https://www.dhrmap.com/people/laurence-e-molke))
- Naseer Nasim — founder ([profile](https://www.dhrmap.com/people/naseer-nasim))

## Sources
- [CB Insights — QRails](https://www.cbinsights.com/company/qrails) — secondary
- [https://www.electronicpaymentsinternational.com/?p=23925](https://www.electronicpaymentsinternational.com/?p=23925) — secondary

## FAQ
**What does Issuer do?**

Issuer-processor and certified earned-wage-access (EWA) provider; AnyDay on-demand pay white-labeled for HR/payroll platforms.

**Where is Issuer headquartered?**

Issuer is headquartered in Denver, Colorado, United States.

**Who founded Issuer?**

Issuer was founded by Gerard Francis Griffin, Laurence E. Molke, Naseer Nasim.

**What kind of HR technology is Issuer?**

Issuer is categorized under Earned Wage Access on DHRMap.

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