EarnIn

Earnin, originally founded as Activehours in 2013 by Ram Palaniappan, is a financial technology company dedicated to building a more equitable financial system. Its core product, Cash Out, provides 'Earned Wage Access' (EWA), allowing workers to access a portion of their earned but unpaid wages before their official payday, without mandatory fees or interest, instead operating on a voluntary tip model. The company also offers other financial wellness tools like Balance Shield, which helps users avoid bank overdraft fees, and EarnIn Express, a feature for receiving paychecks faster via direct deposit. The company's mission is to empower individuals by giving them more control over their financial timelines.