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
Supplier profile · 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.
Founders: Ram Palaniappan
Latest round: Series C
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
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Earnin? This profile opens for claiming as soon as the first company discloses Earnin in its stack — or send us a public customer page and we will add the disclosure.