The financial app built for gig workers.
Instant pay. A portable retirement account. AI that catches the deductions you've been missing — for the 100M+ Americans the financial system forgot.
No credit check. No setup fees. No monthly cost on the Free plan.
Washington is finally noticing gig workers.
- ›A bipartisan portable-retirement bill passed committee last week — making it easier for gig workers to save.
- ›President Trump's State of the Union called out gig-worker retirement as a national priority.
- ›The Wall Street Journal followed with a feature on portable retirement for the 100M+ Americans without a 401(k).
Gigaverse is the app already built for that moment — instant pay, portable IRA, AI tax help, all in one place.Read the WSJ article
Everything you need. Nothing you don't.
Six tools, one app — built for the way you actually earn.
Get paid in under a minute
Stablecoin-powered settlement straight to your debit card, USDC wallet, or linked external account — 24/7, weekends, holidays. No more 3–7 day waits. Basic ACH is $0.25; instant is 0.75% + $0.25.
A retirement account that follows you
The Gigaverse PRActicle™ — your Roth or SEP IRA. Opens in two minutes, follows you across every platform you earn on. Backed by Alpaca Securities (FINRA / SIPC member).
Auto-save from every gig
Set it once. Every payout — Uber tip, Stripe invoice, Etsy sale — sends a slice (you pick: 1%, 5%, 10%) straight into your PRActicle™. You won't miss it. Future you will be very glad.
Your AI money coach
A real coach in your pocket. Explains a Roth IRA like you're 15. Catches the deductions you've been missing. Calculates your quarterly taxes. Always on, no $300/hour fee.
Reclaim every deduction you're owed
Auto-tracks every business mile (2026 IRS rate: $0.725/mi). Catches phone, parking, tolls, home office, supplies. Many gig workers miss thousands in deductions each year — we help you find what you're owed. Actual savings vary.
Every gig, one screen
Uber, DoorDash, Lyft, Instacart, Upwork, Stripe, Etsy, direct invoices — every dollar from every source on one screen. Clean reports for QuickBooks, your accountant, and tax season.
A real money coach — on every screen, in your language.
The other fintech apps gave you charts. We gave you a teacher. Ask the Gigaverse Money Coach to explain a Roth IRA like you're 15. Ask how the No Tax on Tips deduction works. Ask whether to drive tonight or save tonight. It answers in seconds, in plain English, using your numbers — not a generic essay.
- ✓Explains money concepts in plain English — no jargon
- ✓Catches deductions and deadlines you'd miss
- ✓Knows your gigs, your earnings, your situation
- ✓Never used to train models. Your data stays yours.
Gigaverse Money Coach
Online
For most people at your income, I'd open both: max the Roth for tax-free retirement, use SEP to bring your taxable income down today. Want me to show the math both ways?
Educational only · not investment advice · always check with a qualified professional
$5 a day. One delivery's tip.
Auto-save $5/day (around the average tip on one delivery) into your PRActicle™ from age 25. Here's what compound interest could do next, assuming a 7% historical S&P 500 return.
Saved after year 1
Balance at age 35
Balance at age 65
Illustrative projection only — not guaranteed and not personalized advice. Math assumes a 7% nominal annual return (historical S&P 500 long-run average), reinvested contributions, and no fees, taxes, or inflation. Actual results will vary. Investing involves risk, including possible loss of principal. Past performance does not predict future results. See full disclosures.
If you don't get a W-2, Gigaverse is for you.
From the part-time rideshare driver to the solo consultant to the Etsy seller — all welcome, all served.
Drivers & couriers
Uber, DoorDash, Lyft, Instacart, Grubhub. Auto-saving from every delivery, mileage tracked for you, the new No Tax on Tips deduction captured automatically. Plus instant pay — no more 3-day waits.
Freelancers & consultants
Upwork, Toptal, direct invoices, retainers. SEP IRA up to $69K/year, quarterly tax estimates built in, every client in one dashboard. The tools the financial system never built for you.
Creators & small business owners
Etsy, Shopify, Substack, YouTube, sole proprietors, LLCs. SEP IRA, QBI optimization, multi-revenue dashboard. Your income is real — your retirement plan should be too.
From signup to your first contribution in under ten minutes.
Open your PRActicle™
About two minutes. Roth or SEP IRA, opened through Alpaca Securities LLC (FINRA / SIPC member). No initial contribution required.
Link the apps you work on
Uber, DoorDash, Lyft, Instacart, Upwork — every platform you earn through. We pull your payouts automatically.
Watch it grow
Pick a save rate. Every gig payout sends a slice to your retirement. Compound interest does the rest, quietly, for the next 30 years.
Free to open. Free to contribute.
Upgrade only when the tax savings cover the cost — usually on day one.
Save 20% with annual billing
Free
Open your IRA, start saving
- ✓ PRActicle™ Roth IRA
- ✓ Connect 2 platforms
- ✓ Auto-contribution rules
- ✓ Mileage tracking
- ✓ Tax document storage
Pro
Get the full retirement toolkit
- ✓ Everything in Free
- ✓ Unlimited platform connections
- ✓ Unlimited AI tax help
- ✓ Quarterly tax estimates
- ✓ Saver's Match optimization
Wealth Builder
For the serious saver
- ✓ Everything in Pro
- ✓ SEP IRA + Solo 401(k)
- ✓ Advanced portfolio tools
- ✓ Tax-loss harvesting
- ✓ Priority human support
People who started saving — finally.
Composite scenarios drawn from early users and design partners. Outcomes vary with earnings and contribution rate.
Marcus J.
DoorDash, Uber Eats, Grubhub
“I delivered for three years thinking retirement just wasn't a thing for people like me. Opened my PRActicle™ in five minutes — now $40 a week from tips goes straight in. It actually felt good for once.”
Priya S.
Multi-apper · DoorDash, Uber Eats, Gopuff
“Twenty-four years old, three gig apps, zero idea what an IRA was. Gigaverse opened one for me in minutes and auto-saves a slice of every payout. Future me is going to be so grateful.”
Jennifer L.
Part-time Uber and Lyft driver
“Nursing student who drives nights to pay tuition. Four months in, my PRActicle™ already has $1,200. Tax season was one click. I didn't think any of this was possible at my income level.”
DeAndre W.
Uber, DoorDash
“I'm 52. Zero retirement savings, ever. Gigaverse set up my IRA in ten minutes and now I'm putting $333 a month away automatically. It's not too late — and I needed someone to tell me that.”
Maria G.
Shipt, Instacart
“Single mom doing grocery delivery. Every dollar matters. Gigaverse surfaced $3,200 in tax deductions I'd been missing — and put a chunk of it straight into my retirement.”
Tony R.
Amazon Flex, DoorDash
“Years of driving, no retirement plan. Opened my PRActicle™ on a break between deliveries. Auto-saving 5% of every payout. Watching it compound is honestly addictive.”
Andre P.
DoorDash, Lyft · Houston, TX
“I asked the AI to explain a Roth IRA like I'm five. It actually did. Then it opened one for me. I'd been putting that off for six years out of pure embarrassment.”
Jasmine R.
Etsy seller, freelance designer · Portland, OR
“I asked 'am I overpaying taxes' and it actually looked at my numbers. Told me about the QBI deduction I'd never heard of. Saved $2,800 last year. The bot earned its keep ten times over.”
Coming soon: GigVerse, the game.
Build a virtual gig empire, earn real-world retirement rewards. Our free idle tycoon game (iOS & Android) drops real contributions into your PRActicle™ for hitting in-game milestones. Because saving for retirement should at least be a little fun.
Frequently asked questions
Quick answers, plain English.
What is Gigaverse?+
Gigaverse is the all-in-one financial app built for gig workers, freelancers, and the self-employed. We bundle instant pay, a retirement account that auto-saves from every gig (the PRActicle™), automatic mileage and deduction tracking, multi-platform earnings, and an AI Money Coach — all in one place, all for the 100M+ Americans the financial system was never designed for. Gigaverse is not a bank; brokerage services are provided through Alpaca Securities LLC (FINRA / SIPC member).
What is the Gigaverse PRActicle™?+
The PRActicle™ (Portable Retirement Account) is a Roth or SEP IRA built specifically for people without an employer 401(k). It's a brokerage account opened through Alpaca Securities LLC (FINRA / SIPC member), with auto-investing from every payout you receive from gig platforms or clients. The SEP variant holds up to $69,000/year if you're self-employed.
How fast do I get paid?+
Under a minute. Gigaverse uses stablecoin settlement to deliver your earnings to your debit card, USDC wallet, or linked external account 24/7 — no more 3-to-7-day waits. Basic ACH is $0.25; instant payouts are 0.75% + $0.25.
How much can I save on taxes?+
Many gig workers miss thousands of dollars a year in deductions they're entitled to — industry estimates commonly cite $2,000–$5,000, though your savings depend entirely on your miles, income, and expenses. Gigaverse auto-tracks every business mile (2026 IRS rate: $0.725/mi), captures the new No Tax on Tips deduction (up to $25,000/year through 2028), and calculates your quarterly estimates so April never surprises you. Actual savings vary; we don't guarantee a specific amount.
What is the Saver's Match?+
Starting in 2027, the federal Saver's Match (under SECURE 2.0) will provide a matching contribution of up to $1,000 per year into qualifying retirement accounts — 50% of the first $2,000 contributed, subject to income eligibility and phase-out rules. The Gigaverse PRActicle™ is designed to qualify, so when the match goes live your account is ready. Eligibility depends on your individual circumstances; see the IRS Saver's Match guidance for details.
Do I have to be a full-time gig worker?+
No. If you drive weekends for Lyft, freelance design, run an Etsy shop, consult on the side, or do all four — Gigaverse is for you. Anyone earning income outside a W-2 is welcome.
How much does Gigaverse cost?+
Free forever to open your account and start saving. Pro ($4.99/mo) adds unlimited instant payouts, unlimited AI tax help, and auto-contributions. Wealth Builder ($9.99/mo) unlocks advanced portfolio tools and priority support. No setup fees, no AUM fees, cancel anytime.
You did the work. Now keep more of it.
Open your account today. No credit check, no setup fees, no commitment. The financial app the gig economy should have always had.
Investor? See the opportunity →