Hold business payments separately—virtual wallet for solopreneurs, no entity needed.
Solopreneurs without a formal business entity are rejected by traditional banks for business accounts, forcing them to mix personal and business finances.
PouchBiz gives you unique virtual business account details (IBAN-like) powered by Stripe, where clients pay directly to your 'business pouch'. Track inflows/outflows separately from personal, with auto-transfers and reports. Prove dedicated business revenue to banks without mixing funds or forming an LLC.
Solopreneurs and freelancers without a formal business entity like an LLC
Client-facing virtual payment pouches with Stripe under the hood—focus on revenue isolation for bank pitches, not full banking.
edgy/friendly
Generate branded business payment links/accounts.
One-click client payments to your pouch.
Schedule transfers to personal bank.
Pouch balance, inflows, proof-of-revenue PDFs.
Simple invoicing tied to pouches.
Separate pouches per client/project.
Real-time payment notifications.
Branded checkout pages.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| stripe_id | text | Yes |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| name | text | No |
| virtual_iban | text | No |
| balance | int | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| pouch_id | uuid | No |
| amount | int | No |
| stripe_payment_id | text | No |
| status | text | No |
| date | timestamp | No |
Relationships:
/api/pouches/createSetup new payment pouch
/api/payments/linkGet payment link for pouch
/api/transfersInitiate transfer to personal
/api/reports/revenuePouch revenue proof PDF
/api/stripe/webhookHandle Stripe events
No transfers
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 250 | 2.5% | $281 | $3,372 |
| Month 6 | 2,000 | 6% | $5,400 | $64,800 |
Virtual wallets for client cash—show banks you're legit, sans LLC.
Launch on Product Hunt with Stripe test mode demo, target freelance Discords. Cold DM Upwork top freelancers offering free Pro setup. $100 Twitter ads to 'freelancer payments'.
Business banking
Entity required
No-entity virtual pouches
SaaS billing
Not for services/freelance separation
Finance proof focus
Network effects from shared pouch templates, data on solopreneur revenue patterns.
Freelance payments exploding via Stripe links, banks demanding proof amid fraud rise.
Stripe Connect approval
Pre-apply, fallback to links only
Money transmission rules
Use Stripe compliance
Success: 15/20 interested
Success: $10k volume
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