Activehours
For hourly and salaried employees seeking immediate access to earned income and tools to manage bank balances.
EarnIn: Beyond Cash Advance
Snapshot
Who is Activehours?
Providing hourly and salaried employees with early access to earned wages. The platform helps users manage cash flow and avoid traditional payday loans.
Target audience
Portfolio
Free 2Last updated
EarnIn: Beyond Cash Advance
v16.44
3mo ago
Publisher DNA
What defines Activehours?
Publisher DNA
Primary focus
Financial utility and wage access tools
Scale
indie
Target audience
Hourly and salaried employees seeking immediate access to earned income and tools to manage bank balances.
Signature Patterns
- •Focus on financial utility and cash flow management
- •Monetization via a voluntary tipping model rather than mandatory fees
- •Integration of banking-adjacent features like balance shielding and credit monitoring
- •Targeting the hourly and salaried workforce
Portfolio momentum
Released 12 updates in the last 6 months for their single active application, indicating a high-frequency development cycle.
Portfolio
What does Activehours ship?
Apps
2 apps analysed
Balance Shield retention loop
- Immediate access to emergency cash provides essential financial relief during tight pay cycles
- Aggressive and non-consensual withdrawal practices create significant financial hardship for users
Early payday cash advance up to $150 a day with a max of $1,000 per pay period
Single-market publisher, every app ships only to United States.
Based on 2 of 2 apps with localized market data · last scanned .
Americas (1)
- United States2 / 2
Core markets (2/2 apps)
User Sentiment
How do users feel about their apps?
0
Positive apps
1
Neutral / mixed
0
Negative apps
65/100
Avg sentiment score
Rivals
Who does Activehours compete with?
The rivals identified
Nemeses(1)
Dave maintains the largest user base in the direct cash advance niche with a high-velocity release cadence that consistently outpaces the target.
Contenders(3)
Brigit competes directly on the 'no-interest' cash advance value proposition with a strong focus on financial wellness tools.
Klover targets the same core audience with a focus on data-driven, instant access to earned wages.
Tilt demonstrates the highest release velocity in the category, signaling a highly aggressive product iteration strategy.
Same space(2)
Chime is a broader neobank that captures the same audience through integrated banking and overdraft protection.
Credit Karma dominates the credit monitoring space, serving as a primary destination for the target's audience.
New entrants(2)
Atlas is an emerging threat targeting the intersection of credit building and rewards, appealing to younger demographics.
Kikoff is rapidly gaining traction by focusing specifically on the credit-building segment of the target's user base.
The Analyst's Read
The bottom line on Activehours
Bottom line
EarnIn maintains a strong product-market fit by aligning its revenue model with user-friendly financial access. Their focus on a single, highly-refined utility app allows for rapid iteration and deep penetration within the wage-access category.
Frequently asked questions
How many apps does Activehours publish?
What kind of apps does Activehours make?
What is Activehours's top app?
In how many countries are Activehours's apps available?
What fed this analysis
- Apps analyzed:
- 1
- With full intel:
- 0
- With overview:
- 1
- Website scraped:
- yes
- Social presence:
- yes