Smart Companies Invest in Their Teams, Literally! alternatives to ESOPs invested compensation

Offer Invested Compensation that grows with your team

How It Works invested compensation model

Easy to launch, effortless to manage, and
built to grow your team’s wealth

Onboarding 1
Onboarding 2
Onboarding 3
Onboarding 4
Onboarding 5
  • 01

    Onboard Dive as Your Financial Wellness Partner

    We set everything up, from onboarding, documentation to product walkthroughs, so you can start offering invested compensation without extra ops overhead.

    Onboarding 1
  • 02

    Define Vesting & Investment Rules

    Decide how much to invest per employee, and set custom vesting timelines. Whether it’s tied to tenure, performance, or milestones — we help structure it for maximum retention and ROI.

    Onboarding 2
  • 03

    Invest Directly from Your Company Account

    You make the contributions from your current account. The money is invested in high-growth, risk-managed mutual funds or digital gold. All returns are tracked and flow back to your account - boosting your working capital.

    Onboarding 3
  • 04

    Employees Track and Grow Wealth

    Each team member gets access to Dive Money to watch their invested compensation grow. Fully compliant and built for long-term value.

    Onboarding 4
  • 05

    Vest, Withdraw, or Reclaim

    When the vesting period is complete, employees can withdraw their invested compensation. If they exit early, the entire amount, along with any returns, stays with your company.

    Onboarding 5
Employees

Why Employees Choose Dive

  • Turn every paycheck into long-term wealth
  • See real wealth growth, not just promises
  • Access your money when you need it
  • Track, invest more, and diversify via Dive Money app
  • Learn while you earn with byte-sized financial insights
Employees

Why Employers Choose Dive

  • Boost retention with vested, growth-linked compensation
  • Attract top talent with a smarter alternative to ESOPs
  • Keep morale high with wealth employees can actually see
  • Drive employee engagement through visible wealth growth
Free To Implement

Free To Implement

Zero integration hassle. No
extra cost to your payroll.

Free To Implement

Boost Cash Flow

Returns flow back to
company's account

Free To Implement

Generate additional revenue

Employers earn a share
of our platform revenue

Why It Matters cost of attrition India,

Talent is expensive. Losing it is costlier.
Investing in your team’s future is the smarter bet.

56%

of employees are less
productive at work due
to financial anxiety

63%

say they'd stay longer
if they see a path to
building wealth

3 in 4

would switch jobs for
better financial
wellness benefits

Security & Support You Can Trust SEBI compliant platform

  • Regulated & Compliant
  • Secure Infrastructure
  • Dedicated Account Managers for Employers. In-App Support For Employees.

Backed By

STRATEGIC ANGEL INVESTORS

Great teams don’t just grow companies...
They grow wealth together!

Get in touch with our sales team to learn more

Frequently Asked Questions

Most financial wellness programs just offer advice or learning modules. Dive actually puts money to work - by turning a part of salary or bonuses into invested, growing compensation that employees can track, access, and withdraw after vesting. Employees don’t just learn finance. They grow real wealth.

Unlike one-time bonuses or illiquid ESOPs, Dive offers liquid, compounding investments that vest over time. No equity dilution. No complex paperwork. Just invested rewards employees can see and trust.

Absolutely. We follow every rule in the book. Dive Money is AMFI-licensed and governed by SEBI. All our portfolios are managed by NISM-certified experts, and we only partner with top-tier AMCs and institutions. When it comes to gold, you're buying 24K 999 pure gold from Augmont - NABL and BIS accredited, and a member of the India Good Delivery standard (NSE, BSE, MCX). It’s fully hallmarked and stored in secure Sequel Vaults, monitored by SEBI-registered IDBI Trusteeship. Your money is in safe hands.

Employers can choose from high-growth mutual funds or digital gold options. All investments are made through regulated partners.

The company owns the investment until it vests. If an employee leaves before vesting, the funds and returns stay with the company.

All gains stay in the employer’s account until vesting. Post-vesting, employees can withdraw or reinvest.

Vesting is fully customizable. Employers set the duration, rules, and triggers.