Why SoloStream
When a self-employed customer leaves, you lose more than a balance
A 1099 worker or small business that moves to a fintech doesn’t just take a deposit. They take the relationship, the payment volume, and the lending you’d have earned as they grow — all at once.
The deposit
The balance itself walks out — and with it the low-cost core deposits you fund lending against.
The relationship
The primary-account relationship: direct deposit, bill pay, and every everyday reason they'd pick your bank first.
The payment volume
Interchange and transaction flow from their day-to-day business spending — now running on someone else's rails.
The future lending
The working-capital and equipment lending you'd have earned as their business grows — a fintech's cross-sell now, not yours.
ROI / Deposit-Retention Calculator
Model the upside with your own numbers
Conservative, transparent math. Every input and assumption is editable and visible — change anything and the results update. Illustrative, not a forecast.
Your numbers
Estimates about your own book — edit anything.
Per self-employed customer
Share who move their primary account to a fintech each year
Share who take a paid premium tier
Assumptions
Conservative, illustrative defaults. Every one is editable and feeds the math on the right.
Share of at-risk deposits SoloStream helps you retain (conservative)
Per attached customer, per year
Used to value retained deposits — illustrative
Optional — enter your estimate to see an illustrative payback period
Your illustrative results
Illustrative, based on your inputs and the assumptions on the left — not a forecast or a guarantee.
- Deposits at risk annually
- $768,000
- Deposits retained with SoloStream≈ $7,680 a year in net-interest value at 2.5% NIM
- $307,200
- Estimated annual premium-fee income20% premium attach × $96/yr
- $23,040
- Estimated annual value to the bankNet-interest value of retained deposits + premium-fee income
- $30,720
Add an annual program cost in the assumptions to see an illustrative payback period.
Get this illustrative summary and your inputs by email.
The model values retained deposits at your net interest margin and adds premium-tier fee income. It’s a planning tool, not a promise — the assumptions are yours to set, and the outputs are illustrative.
Build · buy · lose
You have three options. Only one keeps the deposits.
Building it is a multi-year bet. Doing nothing is a decision too — the fintechs are already executing it for you.
Build it yourself
Purpose-built self-employed banking — automated tax set-aside, Schedule C categorization, goal pockets, invoicing — is a multi-year, specialist product investment your IT roadmap can't absorb.
Lose them to a fintech
The default path. Found, Lili and Relay already built it, and they're pulling your self-employed deposits out the door today — one direct-deposit switch at a time.
Buy the embedded layer
License SoloStream, brand it as yours, and ship in weeks on the core you already run. Keep the deposits, the relationship, and the fee income.
Revenue model
Two honest ways the bank makes money
No magic. Retained — and growing — deposits, plus non-interest fee income from premium tiers. Lending is the roadmap upside.
Retained — and growing — deposits
Keep the low-cost core deposits you’d have lost, and deepen them: a customer who automates tax savings and goal pockets with you tends to hold higher balances, not lower. Valued conservatively at your net interest margin.
Non-interest fee income
Premium tiers — advanced tax tools, invoicing, faster funding — add recurring fee income per attached customer, independent of where rates go. Fee income you set, and keep.
Competitive position
Where your bank + SoloStream wins
Against national banks, the community banks you compete with today, and the D2C fintechs (Found, Lili, Relay): community trust and human support, now paired with the self-employed tools that were pulling customers away.
| Capability | National banks | Community banks today | D2C fintechs | Your bank + SoloStream |
|---|---|---|---|---|
| Purpose-built self-employed tax tools | Limited | No | Yes | Yes |
| Schedule C / expense automation | Limited | No | Yes | Yes |
| Human + local support | Limited | Yes | No — digital-only | Yes |
| Branch access | Yes | Yes | No | Yes |
| Deposits stay at your institution | No | Until they leave | No — sit at a sponsor bank | Yes |
| Community trust | Low | High | Brand-only | High |
Positioning summary — not a feature-by-feature audit of any named provider.
Keep the deposits. Keep the relationship.
See how SoloStream retains the self-employed customers you're losing today — and what it could be worth to your institution.
A 30-minute demo. Bring your own numbers and we'll walk the model with you.