The Gigaverse
PRActicle™
A Portable Retirement Account built for gig workers. Auto-save from every delivery, grow with low-cost index funds, and qualify for the federal Saver's Match — no employer required.
The Retirement Crisis for Gig Workers
of gig workers have zero retirement savings
employer retirement match for 1099 contractors
gig workers locked out of workplace retirement plans
Traditional employees get 401(k)s with employer matching. Gig workers get nothing. No automatic enrollment, no employer match, no payroll deduction. The result? Nearly half of America's 70 million gig workers have zero saved for retirement. The Gigaverse PRActicle™ changes that.
How the PRActicle™ Works
Reserve Yours Free
Sign up for Gigaverse free to reserve your PRActicle™ Roth IRA. Account opening is rolling out now and includes a quick identity check (SSN, DOB, address) and a few suitability questions. No employer needed, no minimum balance, no credit check.
Auto-Save From Every Gig
Set a percentage (1-15%) of every delivery, ride, or gig and, once your account opens, it's designed to automatically flow into your PRActicle™. You won't even miss it.
Long-Term Growth Potential
Your money grows in a diversified portfolio of low-cost index funds. No day-trading gimmicks — just historical market returns (not guaranteed) and steady, long-term wealth building.
Saver's Match (2027)
Starting 2027, the federal government may deposit up to $1,000/year into your PRActicle™. Contribute $2,000 and qualify for up to $1,000 — an effective 50% federal match on your contribution. The Saver's Match takes effect in 2027 and is subject to final Treasury rulemaking. Eligibility depends on income and contribution rules.
Tax-Free Growth
As a Roth IRA, your contributions grow tax-free and withdrawals in retirement are tax-free. Pay taxes now at your lower gig worker rate, never again.
AI-Optimized Contributions
Gigaverse's AI analyzes your earnings patterns and recommends the optimal savings rate — maximizing your retirement without hurting your cash flow.
🏛️ The Saver's Match: $1,000 Free From the Government
The One Big Beautiful Bill Act (signed into law July 4, 2025) created the Saver's Match — a federal program that deposits up to $1,000/year directly into eligible retirement accounts starting in 2027.
You contribute
Government adds
On your contribution
The PRActicle™ is designed to maximize your Saver's Match eligibility. Gigaverse's AI tracks your contributions and alerts you if you're on pace to miss the full match.
Read the full case studyPRActicle™ vs. Traditional Retirement Options
| Feature | PRActicle™ | 401(k) | SEP IRA |
|---|---|---|---|
| No employer required | — | ||
| Auto-save from gig earnings | — | — | |
| Reserve free, fully online | — | — | |
| Works across all platforms | — | — | |
| Government Saver's Match | |||
| Tax-free withdrawals | — | — | |
| AI contribution optimization | — | — | |
| No minimum balance | — | — | |
| Portable across gig jobs | — |
Get Started in 3 Steps
Sign Up Free
Create your free Gigaverse account and reserve your PRActicle™ Roth IRA. Account opening — including a quick identity and suitability check — is rolling out now.
Set Your Auto-Save
Choose 1-15% of each gig earning to automatically save. Or let AI pick the optimal rate.
Watch It Grow
Grow with diversified index funds. Qualify for the Saver's Match in 2027. Retire comfortably.
Frequently Asked Questions
What is the Gigaverse PRActicle™?+
The PRActicle™ (Portable Retirement Account) is a Roth IRA specifically designed for gig workers. Sign up free for Gigaverse to reserve yours — account opening is rolling out now and includes a quick identity check (SSN, DOB, address) and a few suitability questions. Once open, it's designed to auto-save a percentage of every gig earning, and is fully portable, following you across Uber, DoorDash, Lyft, Instacart, Grubhub, and any other platform.
How is it different from a regular Roth IRA?+
A regular Roth IRA requires you to manually transfer money and manage contributions. The PRActicle™ is designed to automatically capture savings from every gig delivery or ride once your account opens, integrate with all your platforms, and use AI to optimize your contribution rate based on your earnings patterns.
What is the Saver's Match?+
Beginning 2027, the federal Saver's Match may deposit up to $1,000/year into eligible retirement accounts (including the Gigaverse PRActicle™) for savers who contribute up to $2,000 and meet income eligibility. That's an effective 50% federal match on your contribution — not an investment return. The Saver's Match takes effect in 2027 and is subject to final Treasury rulemaking; eligibility depends on income and contribution rules.
How much can I contribute?+
As a Roth IRA, the 2026 contribution limit is $7,500/year ($8,600 if you're 50+). Your PRActicle™ auto-contributions are capped at this limit. Gigaverse tracks your contributions in real-time so you never accidentally over-contribute.
Can I withdraw my money?+
Yes. Roth IRA contributions (not earnings) can be withdrawn at any time, tax-free and penalty-free. This makes the PRActicle™ a dual-purpose tool: retirement savings AND emergency fund. Earnings can be withdrawn tax-free after age 59½.
What does it invest in?+
Your PRActicle™ invests in a diversified portfolio of low-cost index funds (total market, S&P 500, bond index). You can choose from Conservative, Balanced, or Growth allocation — or let Gigaverse's AI recommend the best fit based on your age and goals.
Is my money safe?+
Securities brokerage services are provided by a FINRA/SIPC-member broker-dealer. Your investments are protected by SIPC up to $500,000. Gigaverse never holds your funds directly.
Start Building Your Retirement Today
Join 1,500+ gig workers on the waitlist. Be first to open your PRActicle™ when we launch.
Join the WaitlistImportant Disclosures: All information on this page is for illustrative and educational purposes only and is not indicative of any future returns, savings, or outcomes. Gigaverse makes no promises, guarantees, or representations regarding any legislation, laws, tax benefits, government programs, or financial advice. Laws and regulations, including the Saver's Match provision of the One Big Beautiful Bill Act (P.L. 119-21), may change at any time and are subject to IRS eligibility requirements not fully described here. Investment returns and projections are estimates based on historical market performance and are not guaranteed. Securities brokerage services are provided by a FINRA/SIPC-member broker-dealer. Gigaverse AI, Inc. is not a registered investment adviser, broker-dealer, or bank. All investments involve risk, including possible loss of principal. Past performance does not guarantee future results. Consult a qualified CPA, CFP®, or licensed attorney before making financial, tax, or legal decisions. Full disclosures →