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EarnIn: Why Wait for Payday? icon

EarnIn Cash Out data API

Activehours, Inc. · Lending

Open on Google Play

EarnIn: Why Wait for Payday? is Activehours, Inc.'s Android client for U.S. hourly and salaried workers who want wages they have already earned before payday. Members sign in with a U.S. phone number, connect a checking account through Plaid and related aggregators, and Cash Out a portion of hours already worked to a linked debit card or an EarnIn deposit account. Lightning Speed can land the transfer in minutes for a fee; standard ACH takes longer. The same home stack covers Balance Shield low-balance alerts and auto-transfers, Tip Yourself savings jars, an EarnIn Card and deposit account with paycheck routing and Early Pay, credit monitoring, and optional rent reporting. EarnIn is a financial technology company, not a bank — Cash Out Link banking is provided by Lead Bank, Member FDIC, and some deposit products have sat at Evolve Bank & Trust. The app competes with Dave, Brigit, MoneyLion and Albert in the U.S. earned-wage and cash-advance niche; Cash Out Link is not available in all states.

Cash Out headroom is stamped as maxAvailableInCents against dailyLimitInCents and periodLimitInCents, while the linked checking snapshot carries bankBalanceInCents and bankAccountLastFour. A posted transfer records cashoutCashAmountCents, tipCents, feeCents and publicActivationGuid; Lightning Speed quotes actualFeeInCents on pull-forward eligibility. Tip Yourself jars expose availableTotalCents and per-jar balanceCents, paycheck routing uses routingAmountCents versus estimatedPaycheckCents, and credit monitoring returns bureau score with factor tiles. Lending-ops, overdraft-warning and payroll-routing tools consume that member ledger; openData Studio turns it into callable open data.

Screenshots

  • EarnIn: Why Wait for Payday? screenshot 1
  • EarnIn: Why Wait for Payday? screenshot 2
  • EarnIn: Why Wait for Payday? screenshot 3
  • EarnIn: Why Wait for Payday? screenshot 4
  • EarnIn: Why Wait for Payday? screenshot 5
  • EarnIn: Why Wait for Payday? screenshot 6
  • EarnIn: Why Wait for Payday? screenshot 7
  • EarnIn: Why Wait for Payday? screenshot 8

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

  • Sign in with contact and credential

    POST /v1/members/sign-in osint

    Starts the member session from the sign-in screen and returns sessionId plus nonce for the subsequent token exchange.

    Auth: Unauthenticated PKCE sign-in. Body carries clientId, contact, credential, credentialType, codeChallenge and codeChallengeMethod. The response sessionId, nonce and confirmationId feed the token exchange.

    • clientId
    • contact
    • credential
    • credentialType
    • codeChallenge
    • codeChallengeMethod
    • resultCode
    • sessionId
    • nonce
    • confirmationId
    POST /v1/members/sign-in HTTP/1.1
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
Content-Type: application/json

{
  "clientId": "<clientId>",
  "contact": "+15555550114",
  "credential": "<pin>",
  "credentialType": "Pin",
  "codeChallenge": "<pkceChallenge>",
  "codeChallengeMethod": "S256"
}
    {
  "resultCode": "RequiresOtp",
  "sessionId": "ses_8f21c0ab",
  "nonce": "n-4e7c1a90",
  "confirmationId": "cfm_12ab"
}

  • Exchange session for access token

    POST /v1/members/sign-in/token osint

    Trades the login session and PKCE verifier for a short-lived accessToken used as Bearer on Cash Out, bank and savings calls.

    Auth: Unauthenticated token exchange after sign-in/OTP. Body carries sessionId, nonce and the PKCE codeVerifier. The response accessToken is sent as Authorization: Bearer on later calls; the refreshToken rotates through a session-refresh call.

    • sessionId
    • nonce
    • codeVerifier
    • resultCode
    • accessToken
    • refreshToken
    • expiresAt
    POST /v1/members/sign-in/token HTTP/1.1
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
Content-Type: application/json

{
  "sessionId": "ses_8f21c0ab",
  "nonce": "n-4e7c1a90",
  "codeVerifier": "<pkceVerifier>"
}
    {
  "resultCode": "Success",
  "accessToken": "<jwt>",
  "refreshToken": "rt_9c31e2",
  "expiresAt": "2026-10-20T18:12:00.000-0700"
}

  • Read Cash Out limits and usage

    GET /v1/wages/limits openfinance

    Loads the home Cash Out tile: remaining maxAvailableInCents against daily and pay-period caps, plus Tip Max Boost eligibility.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • maxAvailableInCents
    • dailyLimitInCents
    • dailyUsedInCents
    • periodLimitInCents
    • hasMaxDecreasedDueToRestoreFailure
    • tipMaxBoostEligibility
    GET /v1/wages/limits HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
    {
  "maxAvailableInCents": 12500,
  "dailyLimitInCents": 15000,
  "dailyUsedInCents": 2500,
  "periodLimitInCents": 75000,
  "hasMaxDecreasedDueToRestoreFailure": false,
  "tipMaxBoostEligibility": {
    "allowTipMaxBoostCreation": true,
    "allowTipMaxBoostConsumption": true
  }
}

  • Read linked bank snapshot

    GET /v1/linked-accounts/primary openbanking

    Returns the linked checking account shown on home: bankName, last four, live bankBalanceInCents and whether routing/account numbers are missing.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • bankName
    • bankAccountLastFour
    • displayBankAccountLastFour
    • bankBalanceInCents
    • bankBalanceTimeElapsed
    • accountOrRoutingNumberMissing
    GET /v1/linked-accounts/primary HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
    {
  "bankName": "Chase",
  "bankAccountLastFour": "4412",
  "displayBankAccountLastFour": "4412",
  "bankBalanceInCents": 18640,
  "bankBalanceTimeElapsed": "12 min ago",
  "accountOrRoutingNumberMissing": false
}

  • Create a Cash Out

    POST /v1/advances openfinance

    Posts a Cash Out from the confirm screen: cash and earnings amounts, optional tip, Lightning Speed fee and the resulting publicActivationGuid.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • mobileCashoutGuid
    • cashoutCashAmountCents
    • cashoutEarningsAmountCents
    • tipCents
    • feeCents
    • userTransferSpeedPreference
    • publicActivationGuid
    • fulfillmentDate
    • committedCashoutCount
    • attemptedCashoutCount
    POST /v1/advances HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
Content-Type: application/json

{
  "mobileCashoutGuid": "csh_01J8GUID",
  "cashoutCashAmountCents": 10000,
  "cashoutEarningsAmountCents": 10000,
  "tipCents": 99,
  "feeCents": 399,
  "userTransferSpeedPreference": "Instant"
}
    {
  "cashoutData": {
    "publicActivationGuid": "act_44c1",
    "cashoutCashAmountCents": 10000,
    "cashoutEarningsAmountCents": 10000,
    "tipCents": 99,
    "feeCents": 399,
    "fulfillmentDate": 1760986860000
  },
  "committedCashoutCount": 3,
  "attemptedCashoutCount": 3
}

  • Quote Lightning Speed pull-forward

    GET /v1/advances/speed-quote openfinance

    Reads Lightning Speed eligibility and the tiered actualFeeInCents schedule before the member upgrades an ACH Cash Out.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • isEligible
    • maxAvailableInCents
    • pullForwardType
    • inCashoutE69
    • lightningSpeedFeeInfo
    • type
    • discountedLsReason
    • standardFeeInCents
    • actualFeeInCents
    • feeSchema
    • tiers
    GET /v1/advances/speed-quote HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
    {
  "isEligible": true,
  "maxAvailableInCents": 12500,
  "pullForwardType": "USE_NEXT_DAY_LIMIT",
  "inCashoutE69": false,
  "lightningSpeedFeeInfo": {
    "type": "Tiered",
    "discountedLsReason": null,
    "standardFeeInCents": 399,
    "actualFeeInCents": 399,
    "feeSchema": "Tiered",
    "tiers": [
      {
        "start": 0,
        "end": 2500,
        "standardFeeInCents": 299,
        "actualFeeInCents": 299
      },
      {
        "start": 2501,
        "end": 15000,
        "standardFeeInCents": 399,
        "actualFeeInCents": 399
      }
    ]
  }
}

  • Read earnings recognition method

    GET /v1/income/method openfinance

    Tells the Cash Out calculator whether payroll earnings are AccruingEarnings and which preselectedEarningsMethod (WEV work-email versus GPS) to use.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • payrollEarningsStatus
    • preselectedEarningsMethod
    GET /v1/income/method HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
    {
  "payrollEarningsStatus": "AccruingEarnings",
  "preselectedEarningsMethod": "WEV"
}

  • Read supplemental unpaid earnings

    GET /v1/income/unpaid-window openfinance

    Returns hours-already-worked earningsInCents for the unpaid window, the next calendar payday and Instant Earnings enrollment.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • earningsInCents
    • unpaidDaysStartDate
    • unpaidDaysEndDate
    • nextCalendarPayDate
    • workLocation
    • isEnrolledInInstantEarnings
    GET /v1/income/unpaid-window HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
    {
  "earningsInCents": 18400,
  "unpaidDaysStartDate": "2026-10-13",
  "unpaidDaysEndDate": "2026-10-19",
  "nextCalendarPayDate": "2026-10-24",
  "workLocation": "Store 4412",
  "isEnrolledInInstantEarnings": true
}

  • Read Tip Yourself total balances

    GET /v1/savings/balances openfinance

    Loads Tip Yourself vault totals: availableTotalCents versus pending deposits and withdrawals across all jars.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • savingsUserBalanceTotals
    • pendingDepositTotalCents
    • pendingWithdrawalTotalCents
    • availableTotalCents
    • presentTotalCents
    • nonCancellableTotalCents
    • cancellableDepositsTotalCents
    GET /v1/savings/balances HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
    {
  "savingsUserBalanceTotals": {
    "pendingDepositTotalCents": 2500,
    "pendingWithdrawalTotalCents": 0,
    "availableTotalCents": 48000,
    "presentTotalCents": 50500,
    "nonCancellableTotalCents": 1200,
    "cancellableDepositsTotalCents": 2500
  }
}

  • List Tip Yourself jars

    GET /v1/savings/jars openfinance

    Lists each Tip Yourself jar with goalCents, balanceCents and the two quick-tip amounts used on the save screen.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • tipJars
    • tipJarId
    • tipJarType
    • name
    • goalCents
    • balanceCents
    • standardTipJarSettings
    • quickTipAmountCents1
    • quickTipAmountCents2
    • balanceTotals
    GET /v1/savings/jars HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
    {
  "tipJars": [
    {
      "tipJarId": 4412,
      "tipJarType": "StandardTipJar",
      "name": "Rainy day",
      "goalCents": 100000,
      "balanceCents": 48000,
      "standardTipJarSettings": {
        "standardTipJarSettingsId": 88,
        "tipJarId": 4412,
        "quickTipAmountCents1": 500,
        "quickTipAmountCents2": 1000
      }
    }
  ],
  "balanceTotals": {
    "availableTotalCents": 48000,
    "presentTotalCents": 48000,
    "pendingDepositTotalCents": 0,
    "pendingWithdrawalTotalCents": 0,
    "nonCancellableTotalCents": 0,
    "cancellableDepositsTotalCents": 0
  }
}

  • Read credit-monitoring dashboard

    GET /v1/credit/overview openfinance

    Loads the credit-monitoring home: current score.value and ratingTier inside score.current, factor tiles (paymentHistory, creditUsage) and scoreHistory.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • score
    • current
    • previous
    • range
    • value
    • date
    • ratingTier
    • scoreFactors
    • paymentHistory
    • creditUsage
    • creditStartDate
    • scoreHistory
    • alerts
    • nextUpdateDate
    GET /v1/credit/overview HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
    {
  "score": {
    "current": {
      "value": 718,
      "date": "2026-10-15",
      "ratingTier": "GOOD"
    },
    "previous": {
      "value": 705,
      "date": "2026-07-15",
      "ratingTier": "GOOD"
    },
    "range": {
      "min": 300,
      "max": 850
    }
  },
  "scoreFactors": {
    "paymentHistory": 97,
    "paymentHistoryTier": "EXCELLENT",
    "creditUsage": 22,
    "creditUsageTier": "GOOD",
    "creditStartDate": "2014-03-01",
    "creditStartDateTier": "GOOD"
  },
  "scoreHistory": {
    "scores": [
      {"value": 705, "date": "2026-07-15", "ratingTier": "GOOD"},
      {"value": 718, "date": "2026-10-15", "ratingTier": "GOOD"}
    ],
    "range": {"min": 300, "max": 850}
  },
  "alerts": {},
  "nextUpdateDate": "2026-11-15"
}

  • Connect a bank account

    POST /v1/linked-accounts openbanking

    Completes the Plaid (or other aggregator) handoff from the bank-link screen and returns the new connection's id, bankName and status.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • provider
    • providerInstitutionId
    • authorizationCode
    • initializer
    • id
    • bankId
    • bankName
    • active
    • status
    • created
    POST /v1/linked-accounts HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
Content-Type: application/json

{
  "provider": "Plaid",
  "providerInstitutionId": "ins_3",
  "authorizationCode": "public-sandbox-link-token",
  "initializer": "cash_out_onboarding"
}
    {
  "id": "bcn_88c1",
  "bankId": "ins_3",
  "bankName": "Chase",
  "active": true,
  "status": "Healthy",
  "created": "2026-10-20T11:02:00.000-0700"
}

  • Read paycheck-routing settings

    GET /v1/deposit-account/routing openfinance

    Loads Early Pay / paycheck-router amounts: how many cents of the estimated paycheck are routed to the EarnIn account versus the pay-period max.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • routingAmountCents
    • existingRoutingAmountCents
    • estimatedPaycheckCents
    • payPeriodMaxCents
    • recommendedRoutingAmountCents
    • estimatedStartDate
    GET /v1/deposit-account/routing HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
    {
  "routingAmountCents": 40000,
  "existingRoutingAmountCents": 25000,
  "estimatedPaycheckCents": 125000,
  "payPeriodMaxCents": 75000,
  "recommendedRoutingAmountCents": 45000,
  "estimatedStartDate": "2026-10-24"
}

  • Page EarnIn account activity and balances

    POST /v1/deposit-account/activity openbanking

    Pages the EarnIn Card / deposit-account ledger (activityType, activityStatus, amountCents) together with ccCBalances.availableBalanceAmountCents and totalEarningsAmountCents.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • filterByType
    • includeBalances
    • pageSize
    • deviceDateTime
    • nextPageKey
    • activityStream
    • activityDate
    • activityId
    • activityStatus
    • activityType
    • amountCents
    • description
    • isLastPage
    • balances
    • totalEarningsAmountCents
    • earningsAccuralStartDate
    • ccCBalances
    • availableBalanceAmountCents
    • cashAmountCents
    POST /v1/deposit-account/activity HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
Content-Type: application/json

{
  "filterByType": null,
  "includeBalances": true,
  "pageSize": 20,
  "deviceDateTime": "2026-10-20T12:00:00.000-0700",
  "nextPageKey": null
}
    {
  "activityStream": [
    {
      "activityDate": "2026-10-20T09:14:00.000-0700",
      "activityId": "acty_991",
      "activityStatus": "POSTED",
      "activityType": "TRANSFER_OUT",
      "amountCents": 10399,
      "description": "Cash Out to Chase •4412"
    }
  ],
  "isLastPage": false,
  "nextPageKey": "pg_2",
  "balances": {
    "totalEarningsAmountCents": 4150,
    "earningsAccuralStartDate": "2026-10-13",
    "ccCBalances": {
      "availableBalanceAmountCents": 22150,
      "cashAmountCents": 18000,
      "availableOnCardAmountCents": 18000,
      "cardBalanceAmountCents": 18000,
      "depositAccountBalanceAmountCents": 4150,
      "earningsSinceAmountCents": 4150
    }
  }
}

  • Read EarnIn Card homescreen

    GET /v1/cards/overview openbanking

    Loads the EarnIn Card home: currentBalanceCents, streamed earnings on the card, monthlyFeeCents and each cardToken / last four.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • currentBalanceCents
    • securedAccountCents
    • streamedEarningsCents
    • monthlyFeeCents
    • featureStatus
    • cards
    • cardLastFour
    • cardStatus
    • cardToken
    • pinSet
    • isCardReplacement
    GET /v1/cards/overview HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
    {
  "currentBalanceCents": 18000,
  "securedAccountCents": 0,
  "streamedEarningsCents": 4150,
  "monthlyFeeCents": 0,
  "featureStatus": "ACTIVE",
  "cards": [
    {
      "cardLastFour": "8821",
      "cardStatus": "ACTIVE",
      "cardToken": "ctok_7e21",
      "pinSet": true,
      "isCardReplacement": false
    }
  ]
}

  • Read card spend and ATM limits

    GET /v1/cards/{cardToken}/limits openbanking

    Returns per-card finance details used on the card-controls screen: dailySpendLimitCents, ATM cash-advance cap and nameOnCard.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • nameOnCard
    • last4
    • dailySpendLimitCents
    • atmCashAdvanceDailyLimitCents
    • interestPercentage
    • cashAdvancePercentage
    GET /v1/cards/ctok_7e21/limits HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
    {
  "nameOnCard": "ALEX RIVERA",
  "last4": "8821",
  "dailySpendLimitCents": 200000,
  "atmCashAdvanceDailyLimitCents": 50000,
  "interestPercentage": 0.0,
  "cashAdvancePercentage": 0.0
}

  • Enroll Balance Shield auto-transfer

    PUT /v1/low-balance-transfers/enrollment openfinance

    Turns on Balance Shield auto Cash Out when the linked balance falls below selectedAutoTransferThresholdInCents, capturing the Lightning Speed fee and enrollmentStatus.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • selectedAutoTransferThresholdInCents
    • automaticTransferOption
    • tipInCents
    • bashProductType
    • enrollmentStatus
    • cashoutInCents
    • maxAutoTransferThresholdsInCents
    • feeAmountInCents
    PUT /v1/low-balance-transfers/enrollment HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
Content-Type: application/json

{
  "selectedAutoTransferThresholdInCents": 5000,
  "automaticTransferOption": "LS",
  "tipInCents": 99,
  "bashProductType": "BASH"
}
    {
  "selectedAutoTransferThresholdInCents": 5000,
  "enrollmentStatus": "ENROLLED",
  "tipInCents": 99,
  "cashoutInCents": 0,
  "maxAutoTransferThresholdsInCents": [2500, 5000, 10000],
  "feeAmountInCents": 399
}

  • List pending Cash Out restores

    GET /v1/advances/pending-recoveries openfinance

    Lists ACH restores still waiting to debit the linked bank after payday: restoreInfos with bankAccountId, fundsTransferId and amountInCents, plus totalOutstandingAmountInCents.

    Auth: Authorization: Bearer accessToken issued by POST /v1/members/sign-in/token. Device id, platform and client-version headers accompany every call.

    • restoreInfos
    • bankAccountId
    • fundsTransferId
    • amountInCents
    • totalOutstandingAmountInCents
    • next
    • previous
    GET /v1/advances/pending-recoveries HTTP/1.1
Authorization: Bearer <accessToken>
X-Device-Id: <deviceId>
X-Client-Platform: android
X-Client-Version: <appVersion>
    {
  "restoreInfos": [
    {
      "bankAccountId": "ba_88c1",
      "fundsTransferId": "ft_restore_12",
      "amountInCents": 10399
    }
  ],
  "totalOutstandingAmountInCents": 10399,
  "next": null,
  "previous": null
}

Data categories

  • earned wages
  • cash outs
  • bank balances
  • savings jars
  • credit scores
  • paycheck routing
  • card balances
  • identity

Where teams use this data

  • Earned-wage limit monitor

    A lending-ops bot reads maxAvailableInCents against dailyLimitInCents and periodLimitInCents, plus earningsInCents for the unpaid window, and alerts when headroom drops after a restore failure (hasMaxDecreasedDueToRestoreFailure).

  • Overdraft auto-transfer trigger

    A cash-flow tool combines bankBalanceInCents with Balance Shield selectedAutoTransferThresholdInCents and Lightning Speed actualFeeInCents so an auto Cash Out fires before the linked checking account goes NSF.

  • Paycheck-routing planner

    Payroll and Early Pay tooling compares routingAmountCents to estimatedPaycheckCents and payPeriodMaxCents, then pages activityStream rows (activityType, activityStatus) against availableBalanceAmountCents on the EarnIn account.

  • Credit and savings sidecar

    A household-finance dashboard overlays credit-monitoring score.value and creditUsage with Tip Yourself availableTotalCents / per-jar balanceCents so members see bureau health next to rainy-day savings.

Frequently asked questions

What Cash Out fields does EarnIn expose?

The limits call (GET /v1/wages/limits) returns maxAvailableInCents against dailyLimitInCents, dailyUsedInCents and periodLimitInCents. Creating an advance (POST /v1/advances) posts cashoutCashAmountCents, tipCents, feeCents and userTransferSpeedPreference, and returns publicActivationGuid plus fulfillmentDate.

Can I read the linked bank balance and payday earnings?

Yes. GET /v1/linked-accounts/primary returns bankName, bankAccountLastFour and bankBalanceInCents. GET /v1/income/unpaid-window adds earningsInCents for the unpaid window, nextCalendarPayDate and isEnrolledInInstantEarnings.

How does EarnIn authenticate members?

Sign-in posts contact, credential and a PKCE codeChallenge to POST /v1/members/sign-in. POST /v1/members/sign-in/token then trades sessionId, nonce and codeVerifier for accessToken and refreshToken. Later calls send Authorization: Bearer plus device, platform and client-version headers.

Is there savings, card or credit data beyond Cash Out?

Yes. Tip Yourself totals sit at GET /v1/savings/balances (availableTotalCents), with per-jar goalCents and balanceCents from GET /v1/savings/jars. The EarnIn Card overview returns currentBalanceCents and streamedEarningsCents. GET /v1/credit/overview returns score.value, ratingTier and creditUsage.

Apps similar to EarnIn: Why Wait for Payday?

  • Dave — Dave ExtraCash advances $25–$500 with no credit check, interest, or late fees, typically authorized within five minutes after linking a bank, next to a Dave checking account that can receive pay up to two days early.
  • Brigit — Brigit Instant Cash advances $25–$500 with no credit check, interest, late fees, or tips, depositing in minutes after a bank link, and pairs the advance with a Credit Builder that reports payments to Experian, Equifax and TransUnion.
  • Tilt — Tilt Cash Advance (the former Empower app) sends $10–$500 with no interest, no late fees and no credit check, with optional instant delivery that may carry a fee, plus a FinWise Bank line of credit and WebBank credit cards.
  • MoneyLion — MoneyLion Instacash advances up to $500 with no interest, no credit check and no mandatory fees, arriving in 1–5 business days for free or instantly for an optional Turbo fee, with a path to $1,000 for qualifying MoneyLion Spend direct deposits.
  • Current — Current Paycheck Advance lets eligible members who add payroll draw up to $1,000 with no credit check, with free delivery in about three days or optional Instant Access that may take up to an hour for a fee.
  • FloatMe — FloatMe is a $6.99/month US membership that offers interest-free cash advances of up to $200 with no credit check and no late fees, repaid on the next payday, plus low-balance alerts and in-app credit monitoring.
  • Klover — Klover is a US cash-advance app that lets users access money before payday with no interest and no late fees after linking a bank, advertising advances of up to $750 plus optional points from surveys and ads that can raise the amount.
  • Possible Finance — Possible Finance offers a paycheck Advance of up to $300 available right away and a Loan of up to $500 that can be repaid over time.

More Lending apps

Topics

  • EarnIn API
  • Cash Out data
  • maxAvailableInCents
  • bankBalanceInCents
  • Lightning Speed
  • Tip Yourself
  • Balance Shield
  • Activehours

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