About
Community banks deserve fintech-grade tools — without becoming fintechs
SoloStream exists to close one specific gap: the self-employed toolkit your customers are leaving you for. We deliver it inside your accounts, under your brand, on the core you already run.
Why we built it
The deposits were walking out — so we built the way to keep them
Self-employed and 1099 customers are the highest-churn segment a community bank holds. They leave for Found, Lili, and Relay — not because those are better banks, but because they solve the tax-and-1099 problem a checking account doesn’t. When they go, the deposit, the relationship, the payment volume, and the future lending all go with them.
Building that toolkit in-house is a multi-year specialist project most institutions can’t absorb — so most do nothing, and keep losing deposits. SoloStream is the third option: license the embedded layer, brand it as your own, and ship in weeks, because it rides your hosted core’s existing rails instead of your IT backlog.
Our job isn’t to out-fintech the fintechs. It’s to neutralize the feature gap so your real advantages — trust, human support, local relationships — finally win the self-employed customer too.
Who's behind it
Built and backed by Horizon Two Labs
Real engineering behind the product
SoloStream is built and backed by Horizon Two Labs (H2L) — the engineering and operating team behind the product. That backing is what lets a focused product move at the pace this market needs: real integrations, shipped and maintained.
Staying power a regulated buyer expects
A community institution is trusting a vendor with its customers and its core connections. The H2L backing is the difference between a feature and a partner that will still be here at renewal.
Who you’ll talk to
A person, not a portal
Community bankers buy from people. From the first demo through go-live, Rick is your point of contact — he runs the walkthrough, brings your market data, and stays with the relationship. No hand-off to an anonymous queue.
Let's keep your deposits home
Bring your market and your questions. We'll show you exactly where SoloStream fits — and what it could be worth to your institution.
A 30-minute demo with Rick. No commitment.