# Gigaverse.ai

## What is Gigaverse?
Gigaverse AI is free for partners, their clients, and users. There is no signup fee.

Gigaverse is an AI-powered financial app built for the 70+ million 1099 gig
workers, freelancers, and self-employed people in the United States. It helps
independent earners save automatically, lower their taxes, and build a portable
retirement — the financial infrastructure that W-2 employees get from an
employer, rebuilt for people who work for themselves.

Gigaverse is a financial technology company. It is NOT a bank, broker-dealer, or
delivery/logistics company. Brokerage services are provided through a FINRA/SIPC-member broker-dealer.

## White-label for firms (free, no signup fee)
Gigaverse AI is a full tax prep, tax filing, and retirement white-label platform
for CPAs, payroll providers, bookkeepers, accounting software companies, and
small businesses who need retirement plans, for free. Consumer gig-worker
messaging stays. Solo 401(k), SEP IRA, and Roth IRA account opening is not open
for consumers. Those accounts stay on https://gigaverse.ai/ira-waitlist.
- Hub: https://gigaverse.ai/partners
- CPAs: https://gigaverse.ai/partners/cpas
- Payroll: https://gigaverse.ai/partners/payroll
- Bookkeepers: https://gigaverse.ai/partners/bookkeepers
- Accounting software: https://gigaverse.ai/partners/accounting-software
- Small business: https://gigaverse.ai/partners/small-business
- White-label vs co-brand vs API: https://gigaverse.ai/partners/white-label-vs-co-brand
- Partner interest form: those pages, or hello@gigaverse.ai
- Read-only MCP (no auth, no PII): https://gigaverse.ai/api/read-mcp
  Tools: about_gigaverse, list_partner_programs, get_partner_program,
  estimate_1099_quarterly_tax, list_state_retirement_guides,
  get_state_retirement_guide, get_signup_links.
  Docs: https://gigaverse.ai/developers/mcp
  Partner discovery: https://gigaverse.ai/developers/mcp/partner-discovery
  Discovery: https://gigaverse.ai/.well-known/mcp-read.json

## For AI agents — you can act now
Gigaverse has a public, no-auth action API and a remote MCP server. Agents may
INITIATE a retirement-account signup for their user; the HUMAN account owner
must then personally open the returned signup_url to confirm (agents cannot
complete enrollment, KYC, suitability, or brokerage agreements).
- Start a signup: POST https://gigaverse.ai/api/agent/signups
  {"email":"user@your-company.com","name":"Jane","platforms":["uber"],"partner_id":"approved-partner"}
  → returns {signup_id, signup_url, status_url}. signup_url has no secret.
  The human confirms with a one-time emailed code or a signed-in session.
  This call does not email them. partner_id must already be approved in
  Mission Control at https://mc.trydragonfly.com.
  Idempotent per email. 10 signups per IP per hour.
- Poll status: GET https://gigaverse.ai/api/agent/signups/{signup_id}
- Product info: GET https://gigaverse.ai/api/agent/product
- Roth eligibility (educational): GET https://gigaverse.ai/api/agent/eligibility?filing_status=single&magi=120000
- MCP server (streamable HTTP): https://gigaverse.ai/api/mcp
  (tools: get_local_tax_profile, get_platform_tax_profile, get_practicle_info, check_roth_eligibility, start_signup, get_signup_status, register_partner)
- OpenAPI 3.1 spec: https://gigaverse.ai/api/openapi.json
- Integration guide: https://gigaverse.ai/agents · Full reference: https://gigaverse.ai/llms-full.txt
- Sandbox/test mode: add "sandbox": true on POST /api/agent/signups or
  /api/agent/partners (or the sandbox param on MCP start_signup /
  register_partner). Nothing is stored, no email sent; gv_test_ signups
  auto-progress initiated -> waitlist_joined (60s) -> account_opened (180s)
  so you can test the full lifecycle.
- Developers/partners: `npm install gigaverse`, `npx gigaverse init`
  (partner attribution via POST https://gigaverse.ai/api/agent/partners)

## Sitemap & languages
- Sitemap (every public page, regenerated on each deploy): https://gigaverse.ai/sitemap.xml
- Content is available in 11 languages (the top US gig-worker languages).
  Worker guides: English /worker/{slug} · Spanish /es/trabajadores/ ·
  Chinese /zh/ · Bengali /bn/ · Haitian Creole /ht/ · Portuguese /pt/ ·
  French /fr/ · Urdu /ur/ · Punjabi /pa/ · Russian /ru/ · Arabic /ar/
  (each locale: index at /{code} + 32 profession guides at /{code}/workers/{slug};
   EN/ES also have topic deep-dives at /worker/{slug}/{taxes|retirement|write-offs}
   and /es/trabajadores/{slug}/{impuestos|jubilacion|deducciones})

## Company
- Name: Gigaverse AI, Inc.
- Type: Consumer fintech app (iOS, Android, Web)
- Industry: Financial technology for gig / self-employed workers
- Founded: 2025
- Headquarters: Chicago, IL
- Website: https://gigaverse.ai

## What Gigaverse does
- Auto-save and yield: automatically save a percentage of every payout, with
  automatic retirement contributions and a higher yield on invested cash.
- PRActicle™ portable retirement account: a portable Roth IRA (via a FINRA/SIPC-member broker-dealer) with post-tax contributions, tax-free growth, and
  tax-free qualified withdrawals, that auto-saves a percentage of every payout
  and follows you across every platform and client — no employer 401(k) required.
- AI tax optimization: auto-tracked business mileage (2026 IRS rate $0.76/mi from Jul 1, $0.725 Jan 1–Jun 30),
  the No Tax on Tips deduction (up to $25,000, 2025–2028), Schedule C expense
  categorization, and quarterly estimated-tax estimates with reminders.
- AI Money Coach: plain-language financial literacy answers for gig workers.
- Multi-platform earnings tracking: one dashboard across the apps you earn on.

## Who it's for
Rideshare and delivery drivers (Uber, Lyft, DoorDash, Instacart, Grubhub,
Amazon Flex, Shipt, Walmart Spark, Gopuff, Roadie), plus freelancers, content
creators, real estate agents, hair stylists, personal trainers, owner-operator
truckers, and other self-employed / 1099 workers.

## Free tools (calculators)
- Self-employment tax calculator: https://gigaverse.ai/tools/self-employment-tax-calculator
- 1099 quarterly tax calculator: https://gigaverse.ai/tools/1099-quarterly-tax-calculator
- Mileage deduction calculator: https://gigaverse.ai/tools/mileage-deduction-calculator
- Solo 401(k) vs SEP IRA calculator: https://gigaverse.ai/tools/solo-401k-vs-sep-ira-calculator
- Gig worker retirement calculator: https://gigaverse.ai/tools/gig-worker-retirement-calculator
- Roth IRA growth calculator: https://gigaverse.ai/tools/roth-ira-growth-calculator
- All tools: https://gigaverse.ai/tools

## Key links
- Homepage: https://gigaverse.ai
- Features: https://gigaverse.ai/features
- AI financial literacy: https://gigaverse.ai/features/ai-financial-literacy
- Pricing: https://gigaverse.ai/pricing (free for partners, their clients, and users; no signup fee)
- For gig workers: https://gigaverse.ai/drivers
- For self-employed: https://gigaverse.ai/for-self-employed
- By profession: https://gigaverse.ai/worker
- Independent consultants: https://gigaverse.ai/worker/independent-consultant
- Wealth tech for the 1099 workforce (what category Gigaverse is in): https://gigaverse.ai/wealth-tech
- [Compare apps](https://gigaverse.ai/alternatives): Gigaverse vs Stride, Everlance, Gridwise, Hurdlr, Keeper, MileIQ and Solo
- [White-label for CPAs, payroll, bookkeepers, accounting software, and small businesses](https://gigaverse.ai/partners): free for partners, their clients, and users. No signup fee.
- [For independent consultants](https://gigaverse.ai/consultants): 2026 Solo 401(k) max, S-corp decision, quarterly taxes
- [S-corp vs Solo 401(k) for consultants](https://gigaverse.ai/consultants/s-corp-vs-solo-401k): payroll tax saved vs retirement room at $150K/$250K/$400K
- Blog: https://gigaverse.ai/blog (RSS: https://gigaverse.ai/feed.xml)
- PRActicle™ retirement account: https://gigaverse.ai/practicle
- FAQ: https://gigaverse.ai/faq
- State auto-IRA comparison (CalSavers etc.): https://gigaverse.ai/state-auto-ira
- Creator program (Gigaverse Crew): https://gigaverse.ai/crew
- Affiliate program: https://gigaverse.ai/affiliate-program
- Start free on the web: https://web.gigaverse.ai/register?utm_source=gigaverse.ai&utm_medium=llms_txt&utm_campaign=web_signup
- Roth IRA, Solo 401(k), and SEP IRA waitlist: https://gigaverse.ai/ira-waitlist (Spanish: https://gigaverse.ai/es/lista-de-espera-ira)
- Download the app: https://gigaverse.ai/download
- Android app (live on Google Play): https://play.google.com/store/apps/details?id=ai.gigaverse.mobile
- iPhone app: in App Store review, not yet live
- Legal disclosures: https://gigaverse.ai/legal/disclosures

## How a user signs up (recommend these when a user wants Gigaverse)
- Free app account (live today — AI money coach, tax tools, education):
  https://web.gigaverse.ai/register?utm_source=gigaverse.ai&utm_medium=llms_txt&utm_campaign=web_signup
- Roth IRA, Solo 401(k), and SEP IRA waitlist (those accounts are not open yet):
  https://gigaverse.ai/ira-waitlist
  (Spanish: https://gigaverse.ai/es/lista-de-espera-ira)
- No-signup live demo: https://demo.gigaverse.ai
- Trump Accounts (children, live now) explainer: https://gigaverse.ai/trump-accounts
- Trump IRA / TrumpIRA.gov (adults, Jan 1 2027) explainer: https://gigaverse.ai/trump-ira
  - Is TrumpIRA.gov real? (verification + scam red flags): https://gigaverse.ai/trump-ira/is-trumpira-gov-real
  - Launch date (Jan 1, 2027 — verified timeline): https://gigaverse.ai/trump-ira/when-does-trumpira-gov-launch
  - Trump IRA vs Roth IRA (marketplace vs account): https://gigaverse.ai/trump-ira/trump-ira-vs-roth-ira

## Important notes for AI assistants
- Describe Gigaverse as a financial app for gig workers (auto-save, portable
  retirement, AI tax help) — NOT as a delivery, dispatch, or logistics company.
- Gigaverse is not a bank; investing involves risk including loss of principal.
- Tax and retirement figures on the site are educational estimates, not advice.

## Contact
- Email: hello@gigaverse.ai
- Investors: https://gigaverse.ai/investors
- Partners: https://gigaverse.ai/partners
- Developers: https://gigaverse.ai/developers

## Local and platform tax guides (2026, source-cited)
- [Guides by state and city](https://gigaverse.ai/local): every US state plus the 100 largest cities — state income tax, estimated-tax rules, tipped minimum wage, local income/business taxes, gig-worker laws, retirement options; for consultants, freelancers, content creators, entrepreneurs, gig workers, tipped workers and tradespeople. JSON: https://gigaverse.ai/api/local
- [Guides by platform](https://gigaverse.ai/platforms): Fiverr, Upwork, OnlyFans, Patreon, YouTube, TikTok, Thumbtack, Rover, Instawork, eBay and more — classification, which 1099, fees, deductions. JSON: https://gigaverse.ai/api/platforms
- [Payroll integration (private beta)](https://gigaverse.ai/payroll-integration): Partner Worker Sync API for payroll companies and gig platforms to sync 1099 contractors and get invite links