Earnin is a financial technology company that offers a convenient solution for those needing early access to their earned wages. By using the Earnin app, users can access the money they've already earned without waiting for their payday, helping them manage cash flow and avoid overdraft fees or payday loans. The amount that can be accessed depends on the user’s earnings and work hours, tracked through timesheets or GPS. Earnin operates on a pay-what-you-think-is-fair model, where users can provide optional tips instead of paying fees or interest.