aid: earnin
name: Earnin
description: >-
  Earnin (formerly Activehours) is a consumer financial technology company offering earned
  wage access (EWA) that lets workers tap the pay they have already earned before their
  scheduled payday. Its mobile app products include Cash Out (access earned wages up to
  $150/day and $1,000/pay period with no mandatory fees), Live Pay and the EarnIn Card,
  Early Pay, Balance Shield overdraft protection, credit monitoring, FDIC-insured Savings
  Jars, and an EarnIn Payroll offering for businesses. Earnin is a consumer app rather than
  an API platform; it publishes no public developer portal or API, but does operate a
  vulnerability-disclosure program (security.txt via Inspectiv) and a trust center. It was
  surfaced as a portfolio company of a16z, Felicis, Matrix Partners, Ribbit Capital, and
  Trinity Ventures and profiled in the API Evangelist network.
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://www.earnin.com/assets/img/share.png
url: https://raw.githubusercontent.com/api-evangelist/earnin/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
- felicis
- matrix-partners
- ribbit-capital
- trinity-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Earned Wage Access
- Consumer Finance
- Payments
- Banking
- Mobile App
- Payroll
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://earnin.com
- type: Blog
  url: https://earnin.com/blog
- type: Support
  url: https://help.earnin.com/hc/en-us
- type: SignUp
  url: https://app2.earnin.com/questionnaire
- type: TermsOfService
  url: https://earnin.com/privacyandterms
- type: PrivacyPolicy
  url: https://earnin.com/privacy
- type: TrustCenter
  url: https://trust.earnin.com
- type: Security
  url: https://earnin.com/.well-known/security.txt
- type: VulnerabilityDisclosure
  url: security/earnin-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/earnin-domain-security.yml
- type: WellKnown
  url: well-known/earnin-well-known.yml
- type: SecurityTxt
  url: well-known/earnin-security.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence