earnin

Founded in 2013 as Activehours, Earnin Inc. is a financial technology company with a mission to build a financial system that works for everyday people. The company's primary service, "Cash Out," provides users with early access to their earned but unpaid wages, functioning as an alternative to high-interest payday loans. The service operates on a voluntary "tip" model rather than mandatory fees or interest for its core product. In addition to wage access, Earnin offers other financial wellness tools, such as Balance Shield, which helps users avoid bank overdraft fees.