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SoloStream
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Platform

A self-employed banking product line — without building one

SoloStream is an embedded toolkit your institution offers as its own: automated tax savings, Schedule C expense tracking, business goal pockets, and invoicing — inside the accounts your customers already have.

Think of it less as an app you install and more as a product line you can offer the self-employed customers you already bank. It runs alongside your digital banking on the core you already have, so your customers get fintech-grade tools while their deposits, payments, and relationship stay with you.

It’s the same set of tools pulling 1099 workers and small businesses toward Found and Lili — delivered under your name, by the institution they already trust.

Request a DemoExplore the modules

  • 4

    Live modules today

    Tax savings, expenses, pockets, invoicing

  • Weeks

    From discovery to live

    On your hosted core — no conversion

  • 100%

    Your customers, your deposits

    Nothing leaves your institution

The modules

Four live modules, one embedded toolkit

Each solves a problem that's costing you self-employed deposits today — and each gives your customer a reason to stay and your bank a reason to care.

Automated Tax Savings

The problem

Self-employed customers have no tax withheld. They spend money that belongs to the IRS, then face an April bill they didn't save for — and quietly blame the bank that let it happen.

How it works

SoloStream monitors deposits in real time. The moment income lands, it sends an SMS prompt to set aside the right tax percentage — one tap moves it into a dedicated tax pocket, ready for tax time.

For your customer

No April surprise. The tax money is set aside automatically, the day it's earned.

For your bank

A reason to open your app every time they get paid — daily engagement, and deposits that stay with you instead of leaving for a fintech.
Automated Tax Savings

SoloStream

A $4,200 deposit just landed. Set aside 25% (about $1,050) for taxes?

Yes, save it
Tax pocket$8,450
Illustrative · placeholder UI

Expense Tracking & Schedule C

The problem

Sorting a year of business spending into tax categories is the chore self-employed customers dread most — and the #1 reason they leave for Found.

How it works

SoloStream auto-categorizes debits into IRS Schedule C buckets as they happen, so the year's deductions are organized well before tax season — not reconstructed from a shoebox in April.

For your customer

Expenses sorted into Schedule C lines automatically, ready to hand to a CPA or file.

For your bank

Closes the #1 reason customers leave for Found — without you building a tax product.
Expense Tracking & Schedule C

Auto-categorized · Schedule C

Shell #482

Car & truck · Line 9

$64.10

Adobe

Supplies · Line 22

$54.99

Verizon

Utilities · Line 25

$89.00
Illustrative · placeholder UI

Business Goal Pockets

The problem

One checking balance hides what's really spoken for. Owners can't tell their operating float from next quarter's taxes or the equipment fund — so they under-save and over-spend.

How it works

Virtual envelopes inside the account — an operating reserve, profit, equipment, anything they choose — let customers allocate every deposit on purpose, with balances and targets they can see.

For your customer

Money organized by job, not guesswork — what's for bills, profit, and what's safe to spend.

For your bank

More deposit accounts per customer, and balances that grow as they fund each pocket.
Business Goal Pockets
Operating reserve$6,200
Profit$3,100
Equipment$1,450
Illustrative · placeholder UI

Invoicing & Payment Matching

The problem

Customers invoice in one app, get paid in another, and track taxes in a third — so payment volume and reconciliation drift to fintechs and away from your rails.

How it works

Send an invoice from SoloStream, and when the deposit arrives it's auto-matched to the invoice and the tax set-aside fires automatically — invoice, payment, and tax in one flow.

For your customer

Send an invoice, watch it get paid and reconciled, with taxes handled in the same step.

For your bank

Payment volume and reconciliation stay in-house — on your accounts, not someone else's.
Invoicing & Payment Matching
Invoice #1042Paid

Maple Street Design — $4,200

Auto-matched

Deposit matched · $4,200

Tax set-aside triggered automatically

Illustrative · placeholder UI

The customer experience

From enrollment to tax season

What it looks like for a self-employed customer, start to finish. These are illustrative screens — annotated to show what happens at each step, not a live product.

  1. Enroll

    The customer turns SoloStream on inside the banking app they already use — no new login, no new bank.

    SoloStream

    Self-employed toolkit

    Activate

    In the app your customer already uses.

    Illustrative · placeholder UI
    Activates in your existing digital banking.

  2. Get the tax prompt

    Income lands and an SMS prompt offers to set aside the right amount for taxes. One tap and it's saved.

    SoloStream

    $4,200 landed. Set aside $1,050 for taxes?

    Yes, save it
    Illustrative · placeholder UI
    Real-time, the moment money arrives.

  3. Watch the dashboard

    A daily view of what's set aside, what's been spent, and net income so far — the reason they open the app.

    $8,450

    Set aside

    142

    Expenses

    $52k

    Net income

    Illustrative · placeholder UI
    Tax, expenses, and net income at a glance.

  4. Invoice & get paid

    Send an invoice; when the deposit lands it's auto-matched and the tax set-aside fires on its own.

    Invoice #1042Paid
    Auto-matched

    Deposit matched · $4,200

    Illustrative · placeholder UI
    Invoice → matched deposit → tax saved.

  5. Breeze through tax season

    Schedule C is already categorized and the tax pocket is funded — ready to export for a CPA or file.

    Schedule C — 2026

    Categorized & ready

    Export for CPA
    Illustrative · placeholder UI
    No April scramble — it's already done.

What runs where

Where SoloStream sits in your stack

SoloStream is a layer, not a core. Here’s exactly where it lives — and where your customers’ money stays.

  • Your customers reach SoloStream inside the web and mobile banking they already use.
  • SoloStream sits right alongside your existing digital banking — offered as your bank’s own product.
  • It connects to your hosted core through your provider’s marketplace and APIs — exchanging data both ways, with read-mostly, least-privilege access.
  • Your core keeps running in your provider’s environment, not your data center — which is why this goes live in weeks.
See integrations & security
How SoloStream connects, from top to bottom: your customers use your web and mobile banking; SoloStream is embedded right alongside your existing digital banking; and SoloStream exchanges data both ways with your hosted core through your provider's marketplace and APIs. Your core stays in your provider's environment, not your data center.

  1. Your customers

    Web & mobile banking

    The app they already use

  2. Your digital banking

    Q2 · Banno · Alkami · Apiture

    SoloStream sits right alongside it

  3. Embedded toolkit

    SoloStream

    The self-employed toolkit, branded as yours

  4. Integration rails

    Provider marketplace & APIs

    AppMarket from Fiserv · Banno Digital Toolkit · FIS Code Connect

  5. Core system

    Your hosted core

    Runs in your provider's environment — not your data center

See the platform on your core

We'll walk the modules and the customer experience, then map the fastest path to live on the core you already run.

Request a Demo

A 30-minute demo. Bring your champion and your blocker — this page is built for both.