Earnin
ProviderEmbedded-finance supplier tracked in the Embedded Finance Index — no company has publicly disclosed it yet. Filed under Fintech / Consumer banking.
Buyersnone disclosed yet
HeadquartersPalo Alto / Mountain View, CA
Founded2013
FoundersRam Palaniappan
Raisedunknown
Founders & story · from Earnin’s own dossier
Founded in 2013 as Activehours to give hourly workers early access to earned wages with no mandatory fees. Grew primarily as a consumer EWA app (Cash Out, Balance Shield) before adding credit monitoring, savings (Tip Yourself), and Early Pay. In 2025 made a significant platform pivot by launching EarnIn Payroll — a B2B payroll infrastructure product targeting payroll service bureaus and employers — signaling a move from consumer fintech app toward a vertically integrated payroll + EWA platform serving both ends of the employment relationship.
Recent developments
- 2025-09Cross River Bank extended a $150M senior secured revolving credit facility to EarnIn to fund its Cash Out earned wage access product. source ↗
- 2025-08Updated Terms of Service (effective 08.13.2025) reflecting new subsidiaries and international entities including EarnIn Canada Inc., EarnIn (Thailand) Limited, EarnIn Mexico. source ↗
- 2025-00Launched EarnIn Payroll targeting payroll service bureaus, integrating payroll, HR, benefits, and EWA in one platform. source ↗
Who uses Earnin
No disclosed buyers yet — no dossier in the Index names Earnin in its stack so far
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What Earnin runs on · from its own dossier
The third-party providers Earnin itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Earnin.
Earnin — frequently asked
Who founded Earnin?
Earnin was founded by Ram Palaniappan and is founded in 2013, headquartered in Palo Alto / Mountain View, CA.
How much funding has Earnin raised?
Earnin has raised unknown in total.
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