EarnIn’s business model is focused on allowing anyone with a job and a bank account to get paid the minute they leave work — right from their smartphone with no fees, no interest, and no hidden costs. How does that work exactly? The service is supported by voluntary tips from the community — yes, really.

EarnIn CEO Ram Palaniappan believes you should be able to access your pay instantly. Payday should be every dang day, and he has built a platform to make it a reality. He has also fought to make sure no fees or interest is attached to the money you've already earned