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Without a doubt about how exactly Earnin works

At their past business, RushCard, which showcased a prepaid debit card, Palaniappan stated that workers often asked him for an advance to their paycheck. Ultimately this practice was opened by him to other people beyond your business. By 2012, this had morphed into a startup called Activehours, which later rebranded in 2017 as Earnin.

“once I did that,” Palaniappan said of advancing employees their paychecks, “I discovered that their life ended up being plenty easier. These people were having to pay their bills on time, there have been no more overdraft fees and you can forget payday advances. And that’s just exactly just how it began.”

Since 2015, the analysis firm Apptopia estimates that Palaniappan’s software has been downloaded more than 12 million times. Over fifty percent of these packages arrived inside the year that is last.

Earnin users verify their employment by sharing their GPS location and permitting the software to gain access to their banking account, to demonstrate they are working frequently and that paychecks are arriving in.