ZayZoon vs EarnIn
Three of fourteen models named ZayZoon first on the direct prompt; zero named EarnIn. Both were named by all fourteen models and ZayZoon carries 39 labels and EarnIn 31, so the shares are not directly comparable.
Named in two categories this edition.
Named in three categories this edition.
Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the earned wage access page.
By framing
ZayZoonFirst choices, of fourteen modelsEarnIn
Across every category in the October 2026 Edition, ZayZoon and EarnIn were named in the same answer thirty-six times, of the 133 answers naming ZayZoon and the 89 naming EarnIn. In those answers EarnIn took the first choice one time and ZayZoon thirteen.
Every model, every framing
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | |||||
| GPT-5.4 mini | | | | |||
| Gemini 3.5 Flash | | | | | ||
| Perplexity Sonar | | | ||||
| Grok 4.1 Fast | | | | | | |
| Mistral Small | | | | |||
| DeepSeek V4 Flash | | | | | | |
| Llama 4 Maverick | | | ||||
| Qwen 3.7 Flash | | | | | | |
| Kimi K2 | | | | | ||
| GLM 4.7 FlashX | | | | | ||
| MiniMax M2.5 | | | | |||
| GPT-6 Luna | | | ||||
| Muse Glimmer 30B | | | |
ZayZoon EarnIn first choice named as an alternative argued againstblank: not namedEach cell is one answer, ZayZoon on the left and EarnIn on the right.The direct prompt
ZayZoon first, EarnIn not the choice
3 of 14 modelsEarnIn was named in the answer but not as the choice, or not at all.Neither was the first choice, one was named
8 of 14 modelsThe answer put something else first and named one of the two as an alternative.Neither was named
3 of 14 modelsThe answer made no first choice from these two in this category.Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
ZayZoon50%#1 of 7EarnIn4%#4 of 7What the models said about ZayZoon
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of five in this category shown.
“Fees can be material for frequent users: one ZayZoon employer-support page lists a $5 transaction fee for a payout” GPT-6 Luna · comparative prompt · soft negative
“More suited to SMBs (<200 employees) than mid-sized companies” DeepSeek V4 Flash · paraphrase prompt · soft negative
“The best earned wage access provider for a company with a limited budget is ZayZoon, which is free for employers to offer with a flat employee fee.” Llama 4 Maverick · budget prompt · first choice
“the best earned wage access (EWA) provider for a company with a limited budget is typically ZayZoon” Qwen 3.7 Flash · budget prompt · first choice
“ZayZoon and Rain are widely considered the top choices for mid-market B2B companies” Qwen 3.7 Flash · direct prompt · first choice
What the models said about EarnIn
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.
“Weiser v. Activehours, Inc. d/b/a EarnIn is a Colorado state enforcement action alleging that EarnIn's "Cash Out" product is an unlawful, app-based payday loan” Muse Glimmer 30B · negative prompt · hard negative
“Providers to avoid or use only with extreme caution ... EarnIn (ActiveHours, Inc.) | • Alleged 300 %+ APR” MiniMax M2.5 · negative prompt · hard negative
“the primary provider to be cautious about—and arguably avoid if possible—is Earnin” GLM 4.7 FlashX · negative prompt · hard negative
“EarnIn is the strongest budget-oriented choice because it says it has no cost or risk to the business” GPT-5.4 mini · budget prompt · first choice
“Earnin is the best budget option” Perplexity Sonar · budget prompt · first choice
“Another option is Earnin, which allows employees to download the app and link it to their personal bank account without any employer involvement” Mistral Small · budget prompt · alternative
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.