Secure vault for gig income with zero-fee transfers and smart tax buckets.
Solopreneurs and freelancers face unnecessary fees from traditional banks for business accounts not suited to gig economy needs.
FreelanceVault provides virtual sub-accounts for each client/gig, routing payments fee-free via Stripe transfers. It auto-buckets 30% for taxes, tracks expenses against income, and batches outflows to minimize fees. Freelancers maintain separation without multiple bank accounts.
Solopreneurs and freelancers in the gig economy
Client-specific virtual vaults with auto-tax allocation, built for 1099 compliance unlike generic neobanks.
professional
Create unlimited vaults per client/gig for clean separation.
Stripe-powered instant transfers between vaults and external banks.
Allocate portion of income to tax vault automatically.
Custom links to route client payments to specific vaults.
Real-time profit/loss per gig with charts.
Quick invoice creation linked to vaults.
Set rules for savings/expenses.
Webhook integration for auto-routing.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| stripe_customer_id | text | Yes |
| created_at | timestamp | No |
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| name | text | No |
| balance | int | No |
| tax_rate | int | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| vault_id | uuid | No |
| amount | int | No |
| type | text | No |
| description | text | Yes |
Relationships:
/api/vaults/createCreate new sub-account vault
/api/transfers/internalMove funds between vaults fee-free
/api/transfers/externalPayout to bank via Stripe
/api/dashboard/balancesFetch all vault balances
/api/invoices/generateCreate payment link for vault
$5k/mo volume
No limits
$100k/mo
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 150 | 4% | $174 | $2,088 |
| Month 6 | 900 | 9% | $2,431 | $29,172 |
Separate income per client, batch transfers free, never mix personal again.
Share MVP video on Indie Hackers forum, recruit from Upwork communities. Offer free Pro for 3 months to first referrers. Email 50 freelancers from Hunter.io with 'separate gigs fee-free' hook.
Corporate cards
Not for solos, high min balance
Gig vaults + tax auto
Intl transfers
No sub-accounts or tax tools
Per-client isolation
Network effects from shared vault templates for popular gigs.
IRS 1099 rules tightened; 57M US freelancers need better separation tools.
Stripe transfer fees eat margins
Batch and subsidize via markup
Complex Stripe compliance
Start US-only, use Stripe docs
Success: 70% want auto-tax
Success: $10k total routed
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