# Earnin

**Canonical:** https://apis.io/providers/earnin/  
**Website:** https://earnin.com  
**APIs profiled:** 0

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.

## Kin Score — 14.1 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 13.0).

| Facet | Score |
|---|---|
| Discoverability | 61.1 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Banking & Open Finance**: 31.6 (matched via tags).

## Agent readiness — 2.6 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (2)

- **Earnin Domain Security** — TLSv1.3 · HSTS · DMARC
- **Earnin Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Fintech, Earned Wage Access, Consumer Finance, Payments, Banking, Mobile App, Payroll

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/earnin/). Scores are computed from the provider's own public artifacts under a published rubric.