EarnIn Fuels the Shift to Real-Time Income with More Than One Million Live Pay Transactions

Breakthrough Innovation Makes Pay Access Streaming and Digital

MOUNTAIN VIEW, Calif.--(BUSINESS WIRE)--EarnIn, the leading earnings management company, today announced that American workers have completed more than one million Live Pay transactions since July 2025, marking a milestone in the broader evolution of pay from a static, scheduled event into a real-time system that operates continuously alongside work itself.

The momentum reflects a growing shift in expectations: not just faster access to money, but a fundamentally different relationship with how income works. That shift is also reflected in demand: more than 600,000 people signed up for the Live Pay waitlist.

Live Pay is the first technology to stream earnings in real time, exclusively through EarnIn Card. As people work, their earnings update continuously — second by second — allowing pay to function as a live system rather than a delayed transaction tied to an outdated pay cycle.

By making available income visible and accessible on a user’s terms, Live Pay is redefining how people interact with their earnings. Since July 2025, Live Pay users log into the EarnIn app more than 50 times per month¹ to monitor earnings, plan spending, track their credit score, and access pay as needed — engagement levels more commonly associated with consumer technology platforms than traditional financial products.

“Paychecks are already digital — they just don’t behave like it,” said Ram Palaniappan, Founder and CEO of EarnIn. “People can see their work and earnings update in real time, yet access to that money is still governed by outdated pay cycles. Live Pay brings pay into the digital age, giving workers real-time visibility and access to their earnings so cash flow aligns with how they actually live and work.”

Early data also suggests that real-time income can drive healthier financial outcomes. After four months of Live Pay usage, customers saw an average credit score increase of 21 points, signaling improved financial behaviors among active users².

The rise of real-time pay reflects a broader disconnect between modern work and legacy payroll infrastructure. While work, earnings tracking, and financial activity now operate digitally and instantly, most payroll systems still rely on fixed schedules designed for a paper-based era. Today, approximately 73% of U.S. workers are paid biweekly, according to the U.S. Bureau of Labor Statistics — a structure increasingly misaligned with how people earn, spend, and manage money in a digital economy.

How it Works:

Live Pay enables people to stream their pay in real time - up to $1,500 per pay period, based on eligibility and usage limits - with no interest on transactions, no hidden fees, and no credit check required³. It makes pay accessible on EarnIn Card, backed by Visa and works anywhere Visa is accepted. Against that backdrop, even the recently proposed 10% APR on credit card cap underscores how different Live Pay is: while capped credit still carries interest, Live Pay gives people access to their own earned income with no interest on transaction and no hidden fees. Live Pay also turns every paycheck into an opportunity to build credit history, making each payday more valuable over time⁴. You can learn more here.

About EarnIn

EarnIn offers an earnings management platform that helps people take control of their money and build momentum. With tools like EarnIn Payroll, on-demand pay, early paycheck access, credit-building, and real-time streaming pay (subject to a customer’s pay period max), EarnIn provides flexible ways to access and manage earnings - all without costly interest, hidden fees, or credit checks. EarnIn is a financial technology company, not a bank. Banking services are provided by our Bank partners. See EarnIn.com for details.

^1	During activation month
^2	Based on an analysis conducted by EarnIn in December 2025 of Live Pay Customers with a Vantage3 of 600 or less.
^3	The EarnIn Card is issued by Evolve Bank & Trust (“Evolve”), pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. All other trademarks, service marks, and other registered marks are the property of their respective owners. To obtain an EarnIn Card you must (i) open a Deposit Account and a Secured Account with one of our bank partners through the EarnIn app; (ii) update your direct deposit routing with your employer so that you receive at least $1,000 per month into your Deposit Account; and (iii) pre-authorize our bank partner to automatically transfer all funds from your Deposit Account to your Secured Account. The funds in your Secured Account will be used to cover the purchases you make with your EarnIn Card (the “Card Balances”). If the funds in your Secured Account are insufficient to fully cover the Card Balances, the remaining amount will be debited from the bank account you linked in the EarnIn app.
	The “Available” amount shown in the EarnIn app reflects the total amount you can spend on the Card. This includes money in your Secured Account plus a portion of your unpaid earnings (up to $1,500 per pay period). You can use up to $1,500 per day for purchases and up to $300 per day for cash advances.
	Applicable fees are listed here. The EarnIn Card is available to eligible EarnIn members in select states. Additional terms and restrictions may apply. For more information, please refer to our FAQs and the Cardholder Agreement and Security Agreements.
^4	EarnIn reports account activity to credit bureaus. On-time payments may help your credit; late payments may hurt it. Credit impact varies, as scores are determined by credit bureaus based on multiple factors.