EarnUp provides a white‑label AI‑driven platform that embeds a financial advisor into lenders’ digital channels, analyzing real‑time banking and credit data to generate personalized debt‑paydown and savings recommendations. The platform automatically executes payments through integrated rails and offers a dashboard for institutions to track engagement, repayment outcomes, and home‑buyer readiness.
Funding
$31M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Lenders, mortgage servicers, and credit unions often struggle to keep borrowers actively engaged in financial wellness activities, leading to low retention, missed opportunities for debt reduction, and limited pathways to homeownership. Traditional outreach methods lack automation and personalization, making it difficult to deliver timely savings or debt‑paydown guidance at scale.
Solution
EarnUp delivers a financial stability automation platform that embeds an AI‑driven Advisor into the institution’s digital experience. The Advisor continuously ingests real‑time banking and credit data to generate personalized, actionable recommendations for debt repayment, savings, and product selection. These recommendations are executed automatically through integrated payment rails, turning advice into measurable financial actions without manual intervention. Institutions access a unified dashboard that tracks engagement metrics, repayment outcomes, and homebuyer readiness indicators, enabling data‑driven decision making. The platform is offered as a white‑label solution, allowing lenders, servicers, and credit unions to extend modern fintech capabilities under their own brand while meeting compliance and security standards.
Target Audience
Primary customers are mortgage lenders, loan servicers, and credit unions seeking to automate consumer financial wellness and improve borrower retention; the platform also serves employers, unions, benefits brokers, and financial advisors who want to embed the solution for their members or clients.
Features
- AI Advisor that analyzes live banking and credit data to produce individualized debt‑paydown and savings plans
- Automated transaction engine that routes payments to loan servicers or savings accounts on behalf of the consumer
- API and SDK integrations for seamless embedding into existing lender, servicer, or credit‑union portals (including MyEarnUp consumer app)
- Real‑time engagement analytics and reporting dashboard for institutions to monitor retention, repayment velocity, and homebuyer readiness metrics
- Role‑based access controls and end‑to‑end encryption to satisfy regulatory and data‑privacy requirements (e.g., GDPR, CCPA)
- White‑label branding toolkit enabling institutions to present the platform as their own fintech offering
- Scalable cloud infrastructure that supports high‑volume transaction processing and AI inference workloads