Retirement for the 1099 side of your roster
State auto-IRA mandates now reach W-2 employers of every size, and none of them cover a single 1099 contractor. Gigaverse plugs into your earnings feed and gives contractors a portable Roth IRA under your brand.
The problem
As of January 1, 2026, CalSavers covers California employers of all sizes, and a dozen other states run similar mandates. Every one of them excludes independent contractors. Your W-2 workers have a retirement default; the contractors you pay through the same system have nothing, and no regulator is going to build it for them.
Earnings feed in, contributions out
Push contractor earnings to Gigaverse via API or file and the app handles contribution tracking, Roth room and estimated-tax set-asides. Contributions fund from the contractor's own bank account, so you are never the payer of record.
SSO and white-label
Contractors sign in from your portal. The experience carries your brand; Gigaverse handles the account opening, KYC and custody relationship behind it.
Not a plan, not a mandate
A Roth IRA is the contractor's own account. There is no plan document, no employer contribution and no fiduciary role for you or your clients.
Three ways to embed
Pick the depth that fits your team. Custody, disclosures and account opening are identical in all three; only the surface changes.
| Mode | What changes | Best for | Time to launch |
|---|---|---|---|
| Co-brand | Your logo alongside ours, a dedicated signup link, and a partner landing page. The app stays Gigaverse. | Firms that want to offer something today with near-zero engineering. | Weeks, not quarters |
| White-labelRecommended | Your name, colours and domain on the web and mobile experience. Gigaverse runs the product and the account plumbing behind it. | Platforms whose users should never leave your brand. | Weeks, not quarters |
| API / SDK / MCP | Embed retirement flows, earnings sync and Roth-eligibility checks directly in your own app via REST, SDK or our MCP server. | Product teams building the experience themselves. | Weeks, not quarters |
How partners are paid
Two models, and only two. Both are tied to the software, never to money moving into an account.
Revenue share on paid subscriptions
A percentage of subscription revenue from users who arrive through your integration and pay for the Gigaverse app. It is the same whether or not they ever open or fund a retirement account.
Flat per-seat / SaaS licence fee
You license the platform for your workers or clients at a fixed price per seat (or a flat annual fee) and can offer it to them free or bundled. No money changes hands based on what anyone saves.
We never pay
- Per deposit or per dollar contributed
- Per account opened or funded
- Per enrollee or per rollover
- Basis points or any percentage of assets
- Any share of advisory fees
Why: Compensation that scales with money moving into a securities product, paid to someone who is not registered, is the fact pattern for unregistered broker activity under Exchange Act §15(a) and FINRA Rule 2040. Once Gigaverse is a registered investment adviser it also cannot share advisory fees with unregistered parties, and paid promotion falls under SEC Marketing Rule 206(4)-1 (written agreement and disclosure above $1,000 in any 12 months) plus state solicitor rules. Tying partner pay to software subscriptions and seats keeps every partner on the right side of those lines without needing a securities licence.
See exactly how Gigaverse makes moneyYou are paid for software seats, never for accounts
Payroll platforms sit close to the money, which is exactly why our partner economics stay away from it. Gigaverse pays partners a revenue share on paid app subscriptions or charges a flat seat licence. There is no payment per contractor enrolled, per account opened or per dollar contributed, because compensation tied to securities transactions to an unregistered party is the Exchange Act §15(a) / FINRA 2040 fact pattern, and no payroll company wants a broker-dealer registration question on its cap table.
What Gigaverse provides
- REST API and file-based earnings ingestion
- SSO (OIDC / SAML) and white-label web and mobile experience
- Roth IRA account opening with a FINRA/SIPC-member custodian
- Estimated-tax and Saver's Match tooling for contractors
- Per-seat licence or subscription revenue share, your choice
What you provide
- An earnings feed (API or scheduled file) for participating contractors
- SSO configuration and a launch point in your contractor portal
- Brand assets for white-label
- A product and compliance contact for the integration
Common questions
Are 1099 contractors really excluded from state auto-IRA mandates?
Yes. CalSavers, OregonSaves, Illinois Secure Choice and the other state programs are employer mandates that cover W-2 employees. Independent contractors are not eligible participants through an employer under any of them, though individuals can sometimes enrol on their own.
Does offering this make our clients plan sponsors or ERISA fiduciaries?
A Roth IRA is an individual account, not an employer plan. There is no plan document, no employer contribution and no ERISA plan. That said, this is educational information, not legal advice, and your clients should confirm with their own counsel.
How do contributions move?
From the contractor's own linked bank account to their Roth IRA at the custodian. Your platform never holds or moves retirement money.
Who is the custodian?
A FINRA/SIPC-member broker-dealer. Gigaverse does not take custody of funds.
How long does an integration take?
Co-brand launches are measured in weeks, not quarters. API and SSO integrations depend on your team's bandwidth; we provide the spec, sandbox and a named engineer.
Request a partner conversation
Tell us about your payroll platforms use case. A person reads every request and replies within 2 business days.
Related
Partner compensation, where any is paid, is a revenue share on paid subscriptions to the Gigaverse app or a flat per-seat software licence fee. It is not compensation for referrals to, or investment in, any securities product, and nothing is paid on deposits, accounts opened, enrollees, account balances or assets. Gigaverse AI, Inc. is pursuing SEC registration as an investment adviser and is not yet a registered investment adviser; until registration is effective the app provides educational tools and account access only. Retirement accounts are held with a FINRA/SIPC-member broker-dealer acting as custodian; Gigaverse does not take custody of customer funds. Educational information only, not tax, legal or investment advice. Program terms may change and participation is at our discretion. All partner programs.