The Platform

We Automate
Financial Stability

Our AI-powered Financial Stability Automation Platform represents a breakthrough in holistic, dynamic financial wellness tools.

EarnUp Platform

Three bespoke solution suites that deliver
a win-win for the enterprise and for consumers.

Smart Tools   •   Action Automation  •  Insights  

The Smart Tools Suite

Help clients remove the stress from budgeting and debt management. Our hyper-personalized, contextual, and interactive tools simplify and automate complex financial wellness activities.

AI Advisor

The ultimate customer-for-life engagement tool.

66% of consumers will abandon a brand if they don’t get a personalized experience.¹ Our AI Advisor enables exactly the type of hyper-personalized interactions and tailored experiences that lead to increased customer satisfaction and loyalty. 

Our AI Advisor is a personal finance expert, capable of conducting complex tasks, including:

  • Budget development
  • Money management tracking & reporting
  • Financial products recommendation
  • Advice and insight development based on spending habits and account analysis
AI Advisor

Financial Health Score®

The Financial Health Score® is a scientifically developed financial health assessment quiz. 

Give your users the ability to confidentially self-assess and benchmark their financial health to guide their progress. 

  • Trend anonymized data
  • Support homebuyer readiness programs
  • Provide actionable financial wellness advice
laptop with financial score

Student Loan Advisor

Locate open student loans and servicers in just a few clicks, then assess eligibility & apply for Federal student loan savings plans

  • Get paydown scenarios
  • Create a personalized payment plan
  • Put payment plan on autopilot to fast track payoff, and save on interest fees
student loan screens on 3 phones

The Action Automation Suite

A suite of actionable, intuitive tools that put users in control of budgeting and debt pay down.

Pay by Text with ACH or Debit Cards

With the ability to accept ACH or debit cards, you can accommodate text to pay and provide borrowers with modern communication and payment options. 

Launch trigger campaigns at the earliest sign of a late payment to help borrowers avoid late fees.  And, provide one-click ability to opt in for automated digital payments via debit card.

  • Lower cost alternative
  • Increase digital payments
  • Reduce call center volume by ~20%
  • Proactive loss mitigation communication

Automated Savings Builder

Our automated savings builder effortlessly grows savings by transferring manageable amounts to a savings account on a user-defined schedule.

Perfect to support homebuyer readiness programs. 

Automated Debt Paydown

Our automated debt paydown tool provides financially stressed individuals with a structured and manageable way to tackle their debt.

By offering personalized strategies, this tool helps users reduce their debt more efficiently, alleviating stress and improving financial health. 

Automated Expense Reduction

Reduce your monthly expenses and free up cash flow by lowering  certain bills and canceling unwanted or unused subscriptions.

Never pay for an unwanted or unused subscription again. Instantly find and track all your subscriptions.

The Insight Suite

For the Enterprise, a meaningful, differentiated data set that incorporates user intent.  

Real-Time Insights

Data that presents a richer financial profile of borrower, including user intent based on their queries. 

These unique insights elevate everything from marketing and cross-sell and recapture, and portfolio performance activities.

Ready to learn more about Our Platform?

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CNBC
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Tech Crunch
National Mortgage News

¹Twillio State of Customer Engagement survey 

The Financial Stability Automation Platform is not a substitute for financial advice from a professional who is aware of facts and circumstances for a specific situation, and EarnUp Inc. is not providing any financial advice through the Financial Stability Automation Platform.  The Financial Stability Automation platform should not be used to make any credit, lending, or other financial decisions.

AI Advisor is not a substitute for financial advice from a professional who is aware of facts and circumstances for a specific situation, and EarnUp Inc. is not providing any financial advice through AI Advisor.  AI Advisor should not be used to make any credit, lending, or other financial decisions.