The bodies meant to protect people have grown too big, too slow and too expensive to do the one thing that matters: get money to a person who needs it. So we route around them. The kaucja is not taxed, so it goes straight to the service user.
A returned deposit is not income, so it is not subject to income tax. That single fact is the whole design. We funnel it straight to the person who did the work, in full, the moment it clears.
Every service user gets a prepaid Mastercard. No bank, no branch, no credit check, no PESEL required to start.
As deposits are reclaimed, our platform tops the card up in real time over a payments API. What you earn today is on the card today.
An app to run your account on your own phone, and banking kiosks at every hub for anyone without a device. Financial inclusion, built in.
For every złoty that reaches someone's pocket, the state takes a large share in tax and ZUS before they even start. That wedge makes the hardest-to-employ uneconomic to hire, the exact people who most need a first job back. The result is a system that prices out the people it claims to serve.
CAN IT! pays a 100% take-home wage from the kaucja, tax and ZUS-exempt under the charity's status, so none of that wedge applies. The person keeps every grosz.
This is our view, plainly put. Three bodies are meant to protect work and the vulnerable. In practice they do double damage: failing the people they exist for, while making it harder for anyone to hire.
A social-insurance model widely seen as strained and inefficient, funded by heavy contributions on every job. It underserves the unemployed and, at the same time, deters employers from taking anyone on. A model paying the price of its own inefficiency.
The fund for the employment of disabled people leans on complex rules and levies. Too often firms simply pay the charge rather than hire, and disabled people are left outside work all the same.
The labour inspectorate spends its energy policing paperwork, not creating routes into work. For someone with no formal history, it is another closed door, not an open one.
| Body | What it is for | The problem, as we see it | Who pays the price |
|---|---|---|---|
| ZUS | Social insurance and pensions | A strained, inefficient model funded by heavy contributions on every job | The unemployed it underserves, and the employers it deters from hiring |
| PFRON | Employment of disabled people | Complex levies that firms pay instead of hiring | Disabled people left outside work |
| PIP | Labour inspectorate | Polices paperwork more than it creates work | The informally employed with no route into formal work |
| Income tax | Fund public services | A wedge on wages that makes low-paid, first-step work uneconomic | The hardest-to-employ, priced out of a job |
This page sets out CAN IT!'s view. Figures and characterisations are illustrative.
Take an untaxed deposit and put it straight onto a card, in full, the moment the work is done. No contributions to withhold, no office to visit, no form to fail. The person is paid, banked and included, all at once.
We are quietly doing the job these bodies exist to do, getting money and dignity to people who need it, because the system has not.
This is not charity red tape. It is a wage, a card and an app, delivered with less friction than a single ZUS form.
A tax-free deposit, straight to a card, for anyone ready to work. That is the whole idea.