# Clockout

> Clockout is a fintech company that lets banks and credit unions offer earned wage access (EWA) directly inside their own mobile and online banking apps, so customers can tap a portion of their pay before payday without waiting on their employer. Founded in 2022 by childhood friends from Venezuela, Clockout started as a traditional EWA service for South Florida restaurant groups, then pivoted in 2024 to become the embedded infrastructure layer - often described as the 'Zelle for earned wage access.' The platform connects to more than 1,600 payroll systems and plugs into major core banking providers including Q2, Jack Henry, Alkami and Candescent, letting an institution launch EWA in roughly ten days. Clockout closed a $2 million seed round in June 2025.

- **Founded:** 2022
- **Headquarters:** Miami, Florida & Chattanooga, Tennessee, United States
- **Founders:** Juan Jurado-Blanco (Co-Founder & CEO), Anthony Tardugno (Co-Founder & COO), Vladimir Dumitrean (CTO)
- **Team size:** ~20 employees
- **Products:** Embedded Earned Wage Access (EWA), Payroll & Direct Deposit Connectivity, Core Banking Marketplace Integrations, Configurable Risk & Fee Controls
- **Notable:** Closed a $2M seed round in June 2025 led by Cofounders Capital, Built integrations supporting 1,600+ payroll systems, Partnerships with major core banking providers Q2, Jack Henry, Alkami and Candescent

## Products & services

- **Embedded Earned Wage Access (EWA)** — White-label infrastructure that lets banks and credit unions offer on-demand access to earned wages directly inside their existing mobile and online banking apps.
- **Payroll & Direct Deposit Connectivity** — Integrations with 1,600+ payroll systems plus in-app payroll enrollment and direct-deposit switching, so consumers can advance earnings with no employer involvement.
- **Core Banking Marketplace Integrations** — Plug-and-play deployment through core and digital banking providers including Q2, Jack Henry, Alkami and Candescent, enabling launch in roughly ten days.
- **Configurable Risk & Fee Controls** — Institution-side controls for eligibility, available-balance limits, risk guardrails, and flexible per-advance or subscription fee structures.

## Achievements

- Closed a $2M seed round in June 2025 led by Cofounders Capital
- Built integrations supporting 1,600+ payroll systems
- Partnerships with major core banking providers Q2, Jack Henry, Alkami and Candescent
- Founders honored with the ICBA ThinkTECH Accelerator 'All-Heart' award
- Backed by Techstars and a syndicate of fintech-focused VCs
- Pivoted from restaurant EWA to embedded banking infrastructure - the 'Zelle for earned wage access'

## Latest updates

- **2025-06** — Closed $2 million seed round led by Cofounders Capital to expand embedded EWA for financial institutions.
- **2025-03** — Joined the Jack Henry VIP program to bring earned wage access to Jack Henry's bank customers.
- **2024** — Pivoted from a traditional restaurant EWA service to embedded, bank-integrated EWA infrastructure; completed ICBA ThinkTECH Accelerator.

## Links

- Website: https://www.joinclockout.com
- LinkedIn: https://www.linkedin.com/in/joinclockout

---

Profile page: https://yespress.io/clockout
Published by YesPress — https://yespress.io
Last updated: 2026-07-06