Virtual business vault separates your freelance money like a real bank account
Freelancers get rejected by banks for business accounts due to no employees or revenue history, forcing them to mix personal and business finances.
GigVault creates virtual sub-accounts for business vs personal, integrates Stripe for virtual cards, and generates business-style statements exportable to banks. Track expenses separately with auto-categorization and projections to build revenue history. Apply to banks with pro-looking finance proofs without waiting for approval.
Solo freelancers without employees or established revenue history
Virtual cards + statements mimic enterprise banking, integrable with any bank app
friendly
Separate business/personal envelopes
Virtual business cards for expenses
Monthly business bank-like PDFs
Real-time balance, categorizer
Profit/loss reports for banks
AI tags transactions business/personal
Set up business subscriptions
Forecast revenue graphs
Support international gigs
| 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 |
| type | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| account_id | uuid | No |
| amount | int | No |
| category | text | Yes |
| timestamp | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| period_start | timestamp | No |
| pdf_url | text | Yes |
Relationships:
/api/accountsCreate sub-account
/api/transactionsLog transaction
/api/statements/generateCreate statement
/api/dashboard/balancesGet account balances
/api/cards/issueIssue virtual card
/api/webhooks/stripeSync Stripe events
No cards
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 180 | 3.5% | $63 | $756 |
| Month 6 | 1,800 | 5.5% | $990 | $11,880 |
Separate finances with virtual accounts & cards banks will respect.
Target Stripe users via Twitter ads 'freelancer stripe banking'. Beta invite via r/gigeconomy. Personal outreach to 20 Upwork pros.
Corporate cards
Revenue min $100k
Zero-revenue solo focus
Expense mgmt
Team-oriented
Solo vault simplicity
Transaction data trains better categorization/AI over time
Rise of virtual cards APIs + gig workers hitting 50M US needing separation
Stripe issuing compliance
Follow docs, KYC flows
Webhook sync fails
Retries + manual import
Success: 200 responses, 70% interest
Success: 500 users week 1
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