<prompt> Human: Ive heard some folks talking recently about an app called Active Hours. The premise is that you get paid kind of as you work instead of on a 2wk cycle. You have to give them your banking login info, they scan to see your payroll amount, and then at the end of each day you can send them a photo of your timesheet to show the hours you worked. Theyll then pay you for those hours immediately up to 100day and 500pay period and when you get paid, debit it back out. Sounds like a payday loan or SALO, right? Heres where its interesting, theres no interest rate. You can choose to tip 2-14 when they debit the money out of your account.I think that this cannot be the only way theyre making money, so I figure that with that unfettered account access, theyre scraping your transaction history, mining your data, and selling that. Anyone else have any other thoughts on this?EDIT: Just want to clarify, Im not looking to use this service personally. I work at a FI and it came up and we were all curious about it from more of a financial perspective because we do offer PaydaySALO type products but we notice our userscustomersclientsmembers use this so it got us curious and doing some research.  <response>: Yeah, I saw it on a FB add. Why not just budget your money better instead of filtering your money through an app? 