Instant Tips: turning tip earnings into instant pay
Tipping is broken for workers who can't wait two weeks to see their money.
I led the design of a daily early wage access product — end-to-end, across seller onboarding, payout automation, Cash App linking, and real-time earnings visibility. Onboarded 100+ sellers in closed beta and processed ~$500K in tip volume within six months.
The problems we needed to solve:
Getting employees to create or link a Cash App account to their Square profile
Supporting sellers with payout preferences ranging from manual control to full automation
Allowing manual reconciliation while keeping payouts accurately tracked
Delivered an experience that works across every surface — wherever tips are earned, tracked, or paid out.
Link at the right moment — Surface Cash App setup at clock-out, when employees are most likely to act.
See what you've earned — Give employees clarity and control over how and when they get paid.
Configure how payouts work — Let sellers set timing, preview settlement, and choose distribution modes.
