Branch is a financial app designed to assist working Americans facing cash flow challenges by providing solutions for unplanned expenses. It collaborates with employers to offer no-cost advances on earned wages, which can be deposited into the Branch Wallet, a zero-fee bank account with an accompanying debit card. In addition to these advances, Branch provides budgeting tools to help users manage their finances between paychecks, aiming to support individuals in achieving better financial health. This service is particularly significant given that over half of Americans live paycheck-to-paycheck, and many lack sufficient savings to cover unexpected costs, such as a $400 emergency. By addressing these financial hurdles, Branch seeks to empower users to improve their financial stability and overcome potential barriers to financial well-being.