Health, retirement, and PTO are expected. They're no longer enough.
In 2025, nearly a quarter of employees left or seriously considered leaving a job because their benefits package fell short. Standard benefits packages have become table stakes, and the gap between what employers offer and what employees actually need is widening.
of employees left or seriously considered leaving due to insufficient benefits in 2025
Source: NCUA
Embed credit building. Add a benefit that measurably improves employees' financial lives.
Kikoff plugs into your benefits stack in weeks — credit building, credit monitoring, and rent + bill reporting, white-labeled under your offering.
Three returns in one investment.
A retention lever that works for everyone
Kikoff's credit-building platform meets workers where they are, including hourly, gig, and frontline segments most financial wellness benefits don't reach.
A number HR can report, an outcome employees can feel
Most financial wellness programs deliver content. Kikoff delivers credit growth, averaging +86 pts in year one for users who start under 600 and pay on time.*
A benefits gap your competitors haven't filled yet
Credit building as an employer benefit is still early-market. In workforce segments where compensation packages look similar on paper, it's a genuine differentiator for talent acquisition.
Enterprise-grade credit features, live within weeks.
Integrate
Connect via Kikoff's API. White-glove onboarding, sandbox testing, and compliance infrastructure included.
Reporting goes live
End users opt in inside your platform and their data starts flowing to the credit bureaus.
Kikoff handles the rest
Customer servicing, ongoing payment capture, and bureau partnerships. Your team stays focused on your product.
# Enroll a member in credit building curl https://sandbox.enterprise.kikoff.com/v1/members/enroll \
-H "Authorization: Bearer $API_KEY" \
-d '{
"member_id": "usr_abc123",
"product": "credit_building",
"white_label": true
}' # Response: 201 Created {
"account_id": "acct_xyz789",
"status": "active",
"bureau_reporting": ["equifax", "experian", "transunion"]
}
Help employees grow with Kikoff.
Partnering with us means you focus on what you do best and let us do the building. Full, customizable functionality under your native brand experience.