Earnin

EarnIn is a financial technology company that provides earned wage access (EWA) and financial wellness tools, allowing users to access their earned income before payday with no mandatory fees, interest, or credit checks. Founded in 2013 as Activehours by Ram Palaniappan, it has expanded beyond pay access to include credit monitoring, balance alerts, bill reminders, automated savings accounts, and low-balance protection. It serves individuals — particularly those living paycheck to paycheck — seeking greater control over their finances.