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Cirrus is a worldwide interbank network that provides cash to Mastercard cardholders. As a subsidiary of Mastercard, it connects all Mastercard's credit, debit, and prepaid cards, as well as ATM cards issued by various banks worldwide bearing the Mastercard/Maestro logo.
The apps extend small short-term loans to workers in between paychecks so they can pay bills and meet everyday needs. On payday, the user repays the money out of their wages.