Automated Tax Savings
Real-time deposit monitoring with an SMS prompt to set aside the right tax % the moment money lands.
Banker note
Daily engagement and stickier deposits.
Built for community banks & credit unions on hosted cores
Your self-employed customers are banking with fintech apps. Bring them home.
SoloStream gives your institution the same self-employed toolkit — automated tax savings, Schedule C tracking, invoicing — inside your existing accounts. Live in weeks on your hosted core. Every deposit stays with you.
- No core conversion
- Rides your provider's marketplace
- Live on Fiserv AppMarket
9:41SoloStream
SoloStream
A $4,200 deposit just landed. Set aside 25% (about $1,050) for taxes?
Yes, save it
Illustrative · placeholder UI
The threat, named
The deposits are already walking out
Your self-employed and 1099 customers don't want a different bank — they want tools that understand self-employment. When you don't offer them, they open an account at Found, Lili, Relay, or Novo and let the income that used to land with you settle there instead.
- Found
- Lili
- Relay
- Novo
- Bluevine
They’re not better banks. They’re not banks at all — and the deposits leave your institution to sit with theirs.
The toolkit
Fintech-grade tools, delivered as yours
Expense Tracking & Schedule C
Auto-categorizes debits into IRS Schedule C buckets, ready well before tax time.
Banker note
Closes the #1 reason customers leave for Found.
Business Goal Pockets
Virtual envelopes for an operating reserve, profit, and equipment — all inside their account.
Banker note
A second or third deposit account per customer.
Invoicing & Payment Matching
Send invoices, auto-match the incoming deposit, and auto-trigger tax savings.
Banker note
Payment volume and reconciliation stay in-house.
Why it's easy
No core conversion. No IT backlog. Live in weeks.
Rides your hosted core
If your core runs with Fiserv, Jack Henry, or FIS in their environment, we connect through the provider's marketplace and APIs — not your data center.
Works alongside your digital banking
Sits next to your existing online and mobile channels.
Minimal bank lift
Your team's effort is measured in meetings, not sprints.
The business case
The case for bringing them home
Keep & grow deposits
Every self-employed dollar stays with you instead of funding a fintech.
Non-interest fee income
Premium tiers add fee revenue without adding risk.
Competitive differentiation
Own an underserved segment your national and local rivals ignore.
Deeper, stickier relationships
Daily tax and expense engagement keeps you in the customer's financial life.
SoloStates
See the self-employed opportunity in your own footprint
SoloStates maps IRS county-level Schedule C / SE data so you can see how many self-employed filers — and how much deposit potential — sit around every branch.
3,143
U.S. counties of IRS Schedule C / SE data
Search any FDIC bank or NCUA credit union
Integrations
Live fastest on hosted cores
- Fiserv PremierLive
Available via AppMarket from Fiserv.
- Fiserv DNALive
Live core integration.
- Jack HenryComing soon
Banno Digital Toolkit + Vendor Integration Program.
More cores on the roadmap.
See all integrationsRoadmap
A platform, not a feature
Here's where it's going — honest Now / Next / Later.
Now
Automated tax savings + SMS prompts
Why your bank cares: Daily engagement that makes deposits sticky.
Expense tracking & Schedule C
Why your bank cares: Closes the top reason customers leave.
Fiserv Premier & DNA, live
Why your bank cares: Fast deployment on hosted cores.
Next
Jack Henry integration (Banno / VIP)
Why your bank cares: Expands the banks you can serve.
Quarterly estimated-tax sweeps
Why your bank cares: Turns a tax-time pain into a trusted service.
CPA / accountant share portal
Why your bank cares: Embeds you in the customer's tax relationships.
Later
Working-capital underwriting on cash-flow data
Why your bank cares: New fee and lending income.
Full white-label theming
Why your bank cares: Your customers never see SoloStream.
FIS + cloud-core integrations
Why your bank cares: Future-proofs your core choice.
Proof
Where we stand today
Built by Horizon Two Labs. Pilot underway with a New England community institution.