Retirement and taxes, finally built for gig workers.
Drive, deliver, or freelance? Gigaverse finds the tax deductions you're missing and puts a slice of every payout into a retirement account that follows you — no employer needed.
Free · Takes 10 seconds · First 1,000 in line get launch perks
Invite friends after you join and move up the line. Early members get up to a year of Pro free at launch.
Curious what it looks like? Preview the app
Everything you need. Nothing you don't.
Powerful tools, one simple 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 portable Roth IRA, designed to follow you across every platform you earn on. Reserve yours when you sign up free, account opening is rolling out now.
Auto-save from every gig
Set it once. Auto-save any percentage (1–15%) of every payout, Uber tip, Stripe invoice, Etsy sale, 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: $0.76/mi (Jul–Dec 2026; $0.725 Jan–Jun)). 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
The big win: you contribute post-tax, and every dollar is designed to grow tax-free, so you'd never owe tax on it again in retirement. Want me to show what $7K/year could grow to by 65?
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 6% average annual 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 6% nominal annual return, 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 solo consultant and the physician in independent practice to the agency owner and the weekend driver, all welcome, all served.
Independent professionals
Consultants, engineers and developers, physicians in independent practice, solo attorneys, designers. $100k+ of 1099, Schedule C or S-corp income and no HR department. Solo 401(k) and SEP IRA applications are open, the contribution math worked for you, a Roth IRA, quarterly taxes, and a clean CPA hand-off.
Built for youAgency, trades & small business owners
Sole proprietors, LLCs and S-corps: agencies, contractors, creators, Etsy and Shopify sellers. Every revenue line on one screen, expenses and QBI tracked, and the retirement contribution room your income actually supports.
For business ownersDrivers & couriers
Uber, DoorDash, Lyft, Instacart, Grubhub. Saving a percentage of every payout, mileage tracked at both 2026 rates, the No Tax on Tips deduction captured. Plus instant pay, no more 3-day waits.
For driversHow early access works
Join the waitlist
Drop your email. Ten seconds, free. You get a spot in line and a personal invite link.
Move up by inviting friends
Every friend who joins with your link moves you up 10 spots and unlocks launch perks — up to a year of Gigaverse Pro free.
Get early access at launch
We open the app to the list first. Link the apps you earn on, and every payout starts sending a slice to your retirement.
Free to open. Free to contribute.
Upgrade only when the tax savings cover the cost, usually on day one.
Save 17% with annual billing
Free
Sign up free, reserve your IRA
- ✓ PRActicle™ Roth IRA (account opening rolling out)
- ✓ 1 linked bank account
- ✓ 1 free ACH payout/mo
- ✓ 3 AI tips/mo
- ✓ Mileage tracking
Pro
Get the full retirement toolkit
- ✓ Everything in Free
- ✓ Unlimited platform connections
- ✓ Unlimited AI Money Coach (deduction-finding + quarterly tax calc)
- ✓ Auto-contributions + micro-investing
- ✓ Saver's Match eligibility checks
Wealth Builder
For the serious saver
- ✓ Everything in Pro
- ✓ PRActicle™ Roth IRA + auto-invest
- ✓ Advanced portfolio tools
- ✓ Tax-loss harvesting
- ✓ Priority human support
We don't have testimonials. We have the math.
Gigaverse hasn't launched, so we have a waitlist, not customers — and no five-star drivers to quote you. What we do have is arithmetic you can check yourself, before you give us an email address.
2026 Solo 401(k) / SEP total limit
A W-2 employee can defer $24,500 into a 401(k) in 2026. A self-employed consultant, physician or engineer with a Solo 401(k) can put in that $24,500 plus roughly 20% of net self-employment income as the employer, up to $72,000 total ($80,000 at 50+). A Roth IRA alone stops at $7,500. Approximations from IRS Notice 2025-67, not tax advice.
See the worked examplesUS independents earning $100k+
MBO Partners' 2025 State of Independence counts 5.6 million Americans earning six figures independently, up 86% since 2020. Yet industry estimates put Solo 401(k) adoption among the self-employed at only about 15 to 18%. Most high-earning independents have the income for a plan and not the plan.
Who this is built forWhat $2,000/mo becomes in 20 years
$2,000 a month is well under the Solo 401(k) room on $150k of net income. Compounded monthly for 20 years at a 6% average annual return, that is about $924,000, before any tax effect. 6% is an assumption, not a promise, returns vary and can be negative.
Run your numbersFrequently 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 a FINRA/SIPC-member broker-dealer.
What is the Gigaverse PRActicle™?+
The PRActicle™ (Portable Retirement Account) is a portable Roth IRA built specifically for people without an employer 401(k). Reserve your PRActicle™ by signing up free today, account opening is rolling out now. Once open, it's designed to auto-invest from every payout you receive from gig platforms or clients. You contribute post-tax dollars (up to $7,500/year, or $8,600 if you're 50+), your money grows tax-free, and qualified withdrawals in retirement are tax-free.
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: $0.76/mi (Jul–Dec 2026; $0.725 Jan–Jun)), 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. Contributions to the Gigaverse PRActicle™ Roth IRA count toward earning the match, but the match payment itself cannot be deposited into a Roth IRA (26 U.S.C. §6433(e)(2)), so it needs a traditional or SEP-IRA to land in. It phases out above $35,500 of income for single filers, so it mainly matters for lower-income savers. 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 Money Coach (deduction-finding + quarterly tax calc), and auto-contributions. Wealth Builder ($9.99/mo) unlocks advanced portfolio tools and priority support. No setup fees, cancel anytime.
Be first in line.
Gigaverse launches soon. Join the waitlist now, invite a few friends, and open the app on day one with launch perks already unlocked.
Free · Takes 10 seconds · First 1,000 in line get launch perks
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