EarnIn

Earnin is a financial technology company that offers a payroll disbursement platform, allowing employees to access their earned wages in real time without incurring interest or fees. Launched in 2014, the company utilizes mobile technology to empower users by providing the flexibility to receive their pay anytime, directly from their smartphones. The platform tracks an employee's worked hours through electronic timesheets and facilitates direct deposits, enabling individuals to manage their finances more effectively and avoid late payment or overdraft fees. By breaking the traditional biweekly pay cycle, Earnin aims to enhance financial control for users, making it easier to meet their financial obligations as they arise.