💡 A new era of financial education 💡 Discover the latest release of our Workplace Finance platform
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💡 A new era of financial education 💡 Discover the latest release of our Workplace Finance platform
2 mins
Aug 21, 2026
Annie Wang and Emily Trant are co-authors of this report. The research and initial drafting were led by Annie Wang.
In a world where 1.4 billion adults are excluded or underserved by traditional financial systems, Stream was built to rewrite the narrative and pave a path to a better financial future for every worker.Â
Our Impact Annual Report 2025 provides an in-depth look at how Stream's holistic financial wellbeing platform is creating positive, measurable outcomes for all workers.
The US penny went out of production. The world got a new Pope. Japan elected its first female prime minister. 2025 was a year of pivotal change around the world, and especially for Stream. In September 2025, Wagestream became Stream, reflecting our evolution from a Flexible Pay (or Earned Wage Access) provider, to a complete Workplace Finance platform.
Our mission — fair financial tools for the everyday worker — is still at the heart of our work. As promised in 2024, we continue tackling the systemic injustices and exclusions faced by these workers. In 2025, we didn't just grow; we built a safety net.
Stream operates across six markets in the UK, Europe, and North America and is available to nearly four million members through our partnerships across over 1,000 global employers. We look to understand the struggles our members encounter day-to-day and the nuances of their roadblocks, so we can reimagine the financial frontier for everyday workers.
We saw all-time high participation in savings this year and increased engagement with credit in the UK as members plan ahead, however, the macro-economic landscape for the year remained challenging in all regions.
99.1 — In the UK, national financial wellbeing saw a decline, with the FinWell Index dropping from a baseline of 100 to 99.1
$183B — In the US, financial stress has become a "silent barrier," with 47% of employees reporting distraction at work due to money worries, costing US businesses an estimated $183 billion annually in lost productivity
In 2025, we sought to understand how this manifests in the workplace and how access to the Stream app can help. This report provides a transparent audit of our impact, our successes, our failures, and our roadmap for 2026.
UK:
In 2025, the UK accounted for around 69% of our revenue. Our app and feature set is more mature in the UK, and therefore we see a wider range of impacts in this market.
US & rest of the world:
In 2025, we partnered with employers in the US, Canada, Ireland, Spain and Portugal. Collectively this group represents around 31% of revenue. It is dominated by the US; throughout this report we report primarily on UK and US impact data.
Talk to us about the positive impact we can have on your teams and your business.
