Earnin website screenshot

Earnin

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.

Earnin is profiled on the APIs.io network. Tagged areas include Company, Fintech, Earned Wage Access, Consumer Finance, and Payments.

Earnin’s developer surface includes engineering blog, support, signup flow, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
23.3/100 emerging ▬ flat Agent 7/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyFintechEarned Wage AccessConsumer FinancePaymentsBankingMobile AppPayroll

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 23.3/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 8.4 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 7/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/earnin: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Earnin Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Earnin Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp
SignUp

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown

Access & Security 5

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 Security
Security
 VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 SecurityTxt
SecurityTxt

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
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