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Sure, here are five top-earning apps that have a reputation for actually paying users:

1. **Swagbucks**: Swagbucks allows users to earn money by completing surveys, watching videos, playing games, and shopping online. Users can redeem their earnings for gift cards or cash via PayPal.

2. **Survey Junkie**: This app offers users the chance to earn money by participating in surveys on various topics. Once users accumulate enough points, they can redeem them for cash or gift cards.

3. **Ibotta**: Ibotta is a cashback app that allows users to earn money by purchasing specific products at participating retailers. Users can upload their receipts to the app and receive cashback rewards, which can be withdrawn via PayPal or Venmo.

4. **Acorns**: Acorns is an investment app that allows users to invest their spare change by rounding up purchases to the nearest dollar and investing the difference. Over time, these small investments can grow into significant savings.

5. **Robinhood**: Robinhood is a commission-free stock trading app that allows users to buy and sell stocks, ETFs, options, and cryptocurrencies without paying any fees. While it's primarily a trading platform, users can potentially earn money through successful investments.

These apps offer various ways for users to earn money, whether it's through completing tasks, participating in surveys, cashback rewards, or investing. However, it's essential to do your research and read reviews to ensure that any app you use is legitimate and safe.