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Earnin is a financial technology company that provides an alternative to traditional payday loans. It offers its users access to their earned wages before their actual payday, allowing them to have more control over their finances and avoid costly overdraft fees or high-interest loans.Earnin works by connecting to the user's bank account and tracking their earnings. It then allows users to withdraw up to $100 per day from their upcoming paycheck. There are no fees for using Earnin, but users have the option to tip the company if they choose.To use Earnin, individuals need to meet certain eligibility criteria, such as having a regular paycheck deposited into a checking account and providing proof of income. The app also offers other features such as a balance shield that notifies users when their bank balance is low and the ability to cash out for free if they refer friends to sign up for Earnin.While Earnin can be a helpful tool for managing cash flow and avoiding predatory lending practices, critics argue that it may encourage some users to rely on their future wages too heavily and could potentially lead them into a cycle of debt. Additionally, there have been concerns about data privacy and security since Earnin requires access to the user's bank account information.Overall, Earnin aims to provide individuals with greater financial flexibility and control over their money by offering early access to earned wages, but it's important for users to carefully consider its potential implications and use it responsibly.

Earnin's main product is a mobile app that allows users to access their earned wages before their payday.