Overview
- The regulation (Decreto Supremo Nº 011-2026-EF), in force since February 6, implements Law Nº 32413 to permit payment of wages and labor benefits through digital wallets and EEDEs authorized by the SBS.
- Use of a wallet requires the worker’s free, prior and recorded agreement, and any employer interference in that choice constitutes a new very-serious labor infraction subject to Sunafil enforcement, with a formal update to the infractions table still pending.
- Procedures set 10 business days from hiring for the worker to designate a financial entity or EEDE and allow provider changes within the first 10 business days of the pay month, with cash payment at a financial institution permitted if no designation is made.
- Payment is accredited by an account deposit confirmation when made through financial entities or EEDEs, or by a signed pay slip or equivalent digital proof when third parties are involved, and employers must integrate these transfers into payroll with full traceability.
- Wallet funds follow existing garnishment limits for remuneration under the Civil Procedure Code—protected up to 5 URP (S/2,750 for 2026), with specified attachable portions—and next steps include SBS operational limits and MTPE updates to the electronic payroll system.