EarnIn

EarnIn is a financial technology company founded in 2013 that provides earned wage access, letting people draw on money they have already earned rather than waiting for a traditional payday. The company describes its product as a first-of-its-kind financial hub and positions itself among the original pioneers of the earned wage access category. It operates in the United States and serves millions of Americans, who have accessed more than $15 billion in earnings through the platform.

The product suite spans several related functions. Cash Out gives members access to earned wages before payday, while Live Pay makes earnings available in real time as work is performed and Early Pay releases paychecks ahead of the standard schedule. Around these sit complementary tools: Balance Shield, which helps protect account balances; Credit Monitoring; and Tip Yourself, a savings feature for setting money aside.

Engineering work sits in fintech, payments technology, mobile financial applications and earned wage access. The company is founder-led, with a stated mission of reimagining how money moves so that people can achieve greater financial confidence and independence, and an emphasis on giving users control over their own money. Security and compliance are handled through bank partnerships.