GIGAMATIC
A Portable Work-and-Money Identity for the Modern Workforce.
One financial home - embedded by the companies that already have the worker, and waiting for them everywhere their income gets verified.
$2M Pre-seed
MVP production banking platform · Raising to land first design partners ·

1

THE PROBLEM
The Workforce Already Changed. Banking Didn't.
The underwriting stack was built for W-2 workers. It has no answer for the other 36%.
THE BUYER
Gig income is real.
36% of the US workforce. Billions in lending opportunity - invisible to their underwriting stack.
The verification layer doesn't exist.
No standard for real-time gig income - banks can't underwrite without it. Potential sales are lost.
Manual review costs them.
Weeks of work per application. Still produces errors. Pipeline stalls.
THE WORKER
Real income. No proof.
Earnings scattered across Uber, DoorDash, Instacart - no unified record.
No verifiable financial identity.
Can't get a mortgage, car loan, or credit card that reflects their actual earnings.
Years of work. Zero recognition.
Consistent, growing income - invisible to every financial institution.
36%
Gig Workforce
of the US workforce earns outside traditional payroll
59M
Invisible Workers
with no verified financial identity
$1.6T
Blocked Lending
in annual lending opportunity blocked by inability to verify gig income. Source: Urban Institute, CFPB consumer credit reports.

2

WHAT WE'RE BUILDING
One Work-and-Money Identity. Embedded Where the Worker Already Is.
GIGAMATIC is a portable financial home for the modern worker - banking, income, payroll, HR, and work history in one place. Built and demonstrated. Rebuilding now for employer embed. The same identity will follow the worker to their bank, their lender, their insurer.
For the Worker
One home for how they actually earn: multi-source income, banking, and a financial record they own and carry. Not a verification. A place they live.
For the Company That Embeds It
Embed a financial product for your workforce without building one. Their work data, made useful. A benefit that costs nothing to deliver and builds loyalty.
For the Institutions Downstream
Reach a verified worker through a channel that already knows them - not a cold lead, a known identity. The relationship is already warm.
Not a verification pipe. A place the worker lives - that everyone else pays to reach.

3

THE SOLUTION
GIGAMATIC: The Financial Identity Layer Gig Workers Never Had.
One API that aggregates gig earnings from 30+ platforms, normalizes 170+ workforce identity fields, and delivers verification of income and employment decisions to mortgage lenders, personal lenders, tenant screeners, and HR firms. In real-time.
Worker Dashboard
Gig workers see unified earnings, income-health view, and financial health across all platforms. Portable identity they own and control.
VOI/VOE API
Institutions receive real-time verification of income and employment for gig workers for mortgage underwriting, personal lending, tenant screening, credit decisioning.
Platform Integration
Gig platforms embed workforce identity into onboarding and retention flows via a single API call.
Production codebase - pen-tested, IP-valued. Built on SOC 2-compliant Microsoft Azure infrastructure.
GIGAMATIC's own SOC 2 Type II audit begins post-funding

4

PRODUCT
All Your Gigs and Banking. One Place.
Platform Aggregation
Connect 30+ gig platforms with one login. All employers in one place.
Portable Identity
Workers own their Payroll and HR records. It moves with them.
Real-Time Employer Sync
Income data updates in real time. No stale snapshots. No manual uploads.
Income Normalization
Cash, expenses, and credit calculated from multi-platform earnings. Not estimates - verified data.
Verification of Income
A real-time verification of income and employment, directly from the employer source systems.
Open Banking Integration
Full financial picture in one dashboard. Integration and aggregation of financial accounts.

5

USE CASES
One Verified Work Identity. Four Places It Pays Off.
Once a worker's income and employment is verified inside GIGAMATIC, it plugs into decisions institutions already make. GIGAMATIC provides the verified data - the institution makes the decision.
Mortgage Underwriting
Verified income and employment across 30+ platforms delivered as one structured record. No manual chases, no missing platform data, no rejected gig workers who actually qualify.
Personal Lending
A complete, normalized view of every income stream - the lender's own model sees the full picture. Approve borrowers others reject because their income was invisible.
Tenant Screening
Verified income from all platforms in one FCRA-compliant screening report. Screen the modern renter fairly - without penalizing them for not having a single employer.
Worker Onboarding & Background Checks
Employment verified across 30+ platforms instantly. Faster onboarding, lower fraud, no manual document collection.
We sit on the rails for the data. But we own the relationship with the user that the rails can't.

6

HOW IT MONETIZES
Free to Embed. Paid to Verify. More Valuable Every Time.
Employers embed for free. Institutions pay to verify. The data from every verification makes the next one worth more.
1
2
3
1
Distribution
GIGAMATIC is free for employers to embed. No platform fee, no procurement friction. The employer brings the workers — and the network grows without an acquisition cost. Distribution is the product.
2
Transactional
When a worker applies for a loan, mortgage, or rental, the institution pays to verify their income. The worker passes through. The institution pays. GIGAMATIC sits in the middle of every decision. Each verification adds a data point to the worker's identity.
3
Compounding
Each time a worker gets verified, their profile deepens - more income history, more platform data, more signal. A richer profile means better-matched products. Better matches mean higher conversion for institutions. Higher conversion means institutions pay more to access the network. The identity compounds. So does the revenue.

7

WHY NOW
A $455B Market. Zero Infrastructure.
The gig economy is growing 3x faster than the mainstream economy. The data rails are live. And the regulatory mandate just arrived. The window to build this infrastructure is open right now.
3x
Gig economy growing 3x faster than the mainstream economy. Source: MasterCard Economics Institute.
36%
of the US workforce already earns outside traditional payroll. Source: Bureau of Labour Statistics 2024.
50%
of the US workforce projected to participate in gig work by 2027 Source: Intuit/Emergent Research estimate - contested; directionally consistent with Bureau of Labour Statistics trends.
90%
of U.S. Employers now covered by Argyle + Plaid data rails.
Source: Argyle, Plaid coverage reports.
TAM
TOTAL ADDRESSABLE
$455B
The unverified income problem
73M US gig workers. $455B in earnings moving through platforms with no verified financial identity layer. The ocean GIGAMATIC sits inside. Source: Mastercard/Intuit 2026.
SAM
SERVICEABLE ADDRESSABLE
$6B
Verification + background screening, US gig-relevant
Income/employment verification market $3.8B (2025, Dataintelo) + background screening gig-relevant slice ~$2B. US + Canada. Growing at 11-12% CAGR. This is GIGAMATIC's revenue market — not worker income.
SOM
SERVICEABLE OBTAINABLE — 3-YEAR
$9M
20 employer + institution pairs · B2B only
20 pairs × ~$450K ARR mid-case = ~$9M. Bottoms-up from pricing model. Worker premium and AI/ML matching excluded — roadmap upside sits on top.
TAM: Mastercard/Intuit 2026 gig economy income estimate. SAM: Dataintelo income verification via payroll connectivity market ($3.8B, 2025) + IBISWorld/Mordor background screening gig-relevant slice. SOM: bottoms-up from GIGAMATIC pricing model — 20 employer+institution pairs × ~$450K ARR mid-case. Worker premium and interchange excluded. All figures directional.

8

industry competition
Everyone Else Moves Data. We Own the Relationship.
Argyle and Plaid verify and vanish. Truv and MeasureOne do point verification. None of them own a worker relationship - and structurally, none of them can.
Sources: Argyle.com, Plaid.com, Truv.com, MeasureOne.com - verified May 2026. Argyle covers 90% of US gig workers; GIGAMATIC sits on Argyle + Plaid rails for data. We don't compete with them on verification - we complete them with the identity layer they structurally can't build.
*Product matching layer is funded roadmap, not yet built.

9

GO-TO-MARKET
Supply First. Coverage Is the Asset.
Two-sided networks suffer the cold start problem. GIGAMATIC doesn't - the worker product stands alone, and the coverage it builds is exactly what the demand side requires. We don't wait for partners. We earn them.
1
Land One Employer. Their Workforce Becomes the Network.
We start with one employer or gig platform. They give GIGAMATIC to their workforce - workers get a financial home, the employer gets a retention tool. No cold outreach. No worker acquisition cost. The employer brings the workers to us.
  • Reduced worker turnover and increased loyalty
  • A financial benefit that costs the employer nothing — free to embed, zero procurement friction.
  • Zero cost to the employer. Zero acquisition cost to us. The employer brings the workers.
2
Every Worker Added Makes the Network Worth More to Institutions.
Every worker who activates adds a verified identity to the network. The more workers we have, the more valuable the network becomes to lenders, screeners, and insurers, who will pay to access it. We don't need institutions to build the network. We just need workers. The employer channel gives us both.
Starion Bank + gig employer embed (2025): a bank embedded directly inside a gig platform's workforce app. The employer channel works. GIGAMATIC sits in the same channel with a broader identity layer.
3
When Coverage Hits the Threshold, Institutions Pay to Access It.
As coverage grows, institutions come to us. We're not selling into procurement cycles. We're becoming the only source for something they need.
First demand buyers: short procurement cycles, specific pain:
  • Fintech lenders and credit unions: verified gig income unlocks borrowers they currently reject
  • Mortgage lenders: highest-value verification use case, $55-200 per legacy check
  • Tenant screeners: FCRA-compliant income verification for the modern renter
  • HR and background screening firms: employment verification across 30+ platforms instantly
  • Insurance underwriters: income verification for policy underwriting

10

WHAT'S BUILT
A Production Banking Platform. Built Solo. Paused on Cost. Rebuilding to Embed.
No team of 20. No $5M pre-seed. One operator, AI-augmented, building at the speed of a team. The platform was built, run, and then taken offline when cloud costs outpaced pre-revenue runway. That's a capital decision, not a product failure. Here's what exists - honestly.
Production Banking Pillar
Banking dashboard built and demonstrated. Multi-account linking. Cash, expenses, and credit in one view. Currently offline pending rebuild.
Multi-Platform Gig Aggregation
90% of the employers in U.S. Real-time Payroll and HR documents. 30+ gig platforms connected via Plaid + Argyle. Earnings verified and aggregated across DoorDash, Uber, Instacart, and more.
Worker Financial Dashboard
Income history, income-health view, and financial record - unified and portable. Built and demonstrated, currently offline pending rebuild.
Security & Compliance
Production codebase. Pen-tested. IP formally valued. Built on SOC 2-compliant Microsoft Azure infrastructure. GIGAMATIC's own SOC 2 Type II audit begins post-funding.
What This Round Proves
This raise funds the rebuild and one proof point: landing 1–2 pilot partners - an employer or gig platform that embeds GIGAMATIC for their workforce - and proving the wedge.
Design Partner #1
An employer or gig platform embeds the worker dashboard. Workers activate. Engagement data collected.
Design Partner #2
A financial institution or lender meets the same worker identity downstream. First institutional proof of the B2C2B loop.
Series A Signal
Two pilot partners + engagement data = the proof a Series A needs. Not ARR. Proof of the loop.

Investment signal:
Tier 1 Canadian Bank interested for our next round
The honest pre-seed milestone: prove the wedge, not the revenue curve.

11

THE FLYWHEEL
The Identity Compounds. So Does the Moat.
A worker's financial identity gets stronger each context it enters - because the data from one side makes the experience on the other side better. This is the compounding loop no data pipe can build. Each rotation makes the matching smarter, the network harder to displace, and the worker harder to lose.
1
1
A Company Embeds GIGAMATIC
An employer or gig platform gives GIGAMATIC to their workforce. Distribution to workers, paid for by the company. Zero cold acquisition.
2
2
The Worker Builds a Financial Home
Income, banking, and work history - owned, portable, and growing richer with every paycheck.
3
3
They Meet the Same Identity at Their Bank
Already verified. Already rich. Instantly useful to the lender, insurer, or screener. No friction. No document chase.
4
4
Each Institution Makes the Next One Easier
Every FI that joins makes the identity more valuable - and the next partner easier to win. The moat builds itself.
ADP made employment portable for the payroll era. No one has made it portable for everyone else. That's us, right now.

12

THE FOUNDER
Built by a Solo Founder. Moves Like a Team.
No co-founder. No team of 20. One operator who built a production work-banking platform from scratch, AI-augmented, while navigating FI compliance, data integrations, and institutional conversations simultaneously.
Hands On Operator. Product Expert, Not Academic
Built the product. Has had the FI conversations and validated the product. Not theorizing - executing.
AI-Augmented Development
Solo development at team speed. Production codebase, pen-tested, IP-valued. The AI era makes this possible in a way it wasn't three years ago.
Infrastructure-First Thinking
Every decision made for FI-grade scale: Azure SOC2 infrastructure, FCRA-aware architecture. Built to survive diligence, not just demos.
Raising to Hire
First two hires are identified: a Head of Engineering and a Compliance/Partnerships Lead with active FI relationships. Both funded by this raise.

The question isn't whether one person can build this. The question is whether this person already did. The answer is yes.

13

THE PRE-SEED ASK
$2M. Rebuild. Deploy. Land the First Partner.
This raise funds one milestone: landing 1-2 pilot partners and proving the B2C2B loop works. That proof is what a Series A needs - not a revenue curve built on projections.
*The cost that paused the original MVP build

14

OUR ROADMAP
GIGAMATIC and the Future of Work.
The infrastructure is built. The raise funds the rebuild, the first partners, and the proof the loop works.
2023-2024 - The Foundation
Built and ran a production banking platform solo on Microsoft Azure. Live data API integrations via Plaid + Argyle. MVP developed and penetration tested. Platform paused when cloud costs outpaced pre-revenue runway.
2026 - Pre-Seed Raise (Now)
$2M raise. Funds platform rebuild and redeploy, first two hires (Head of Engineering + Compliance/Partnerships Lead), and the design partner onboarding process. Cloud infrastructure costs now funded - the variable that paused v1.
Month 6 - First Pilot Design Partner
An employer or gig platform embeds GIGAMATIC for their workforce. Workers activate. Real engagement data collected on the worker financial home.
Month 12-18 - Live Pilot Loop Closes
A financial institution or lender meets the same worker identity downstream. First proof the B2C2B loop closes. The relationship the rails can't own - validated.
Month 18-24 - Series A Signal
Two pilot partners + engagement data + a closed loop = the proof a Series A needs. Not a projected ARR curve. Real proof of a real network effect.
2028+ - Series A Scale
Series A funds distribution across employer, FI, and HR channels. All three revenue streams active. International expansion begins.

15

In Closing
59 million gig workers have no verified financial identity.
We built them a platform, and a bridge to the industry. We are raising $2M to rebuild the platform, land 1–2 pilot partners, and prove the B2C2B loop. That proof is what a Series A needs.
One Identity
The worker's financial home is free. The employer pays to embed it.
Three Payers
The institution pays to reach it. The worker pays to unlock it.
This Raise Builds the Proof
Raising $2M to land first design partners and prove the B2B2C loop.
GET IN TOUCH

Mathew Graham
Founder & CEO,
GIGAMATIC
mathew@gigamatic.io
linkedin.com/company/gigamatic
$2M Pre-Seed
Raising to land first design partners, prove the B2C2B loop, and build the matching engine that turns two revenue lines into three.

16

APPENDIX - reference
Supporting Materials
Glossary
Design Partner - An early-stage pilot customer who collaborates closely with the founding team to shape the product. In exchange for deep access and feedback, they typically receive favorable or free pricing and become a reference customer. Standard pre-seed validation mechanism in B2B SaaS.
https://a16z.com/a-framework-for-finding-a-design-partner/
B2C2B Loop - A go-to-market motion where a product is adopted by individual workers (B2C), whose engagement and data then create value for the businesses (B2B) that employ or serve them - closing a two-sided network effect.
VOI/VOE - Verification of Income / Verification of Employment. The core data product delivered to financial institutions for underwriting decisions.
CFPB Section 1033 - A regulatory rule requiring financial institutions to share consumer financial data upon request. Mandates open banking infrastructure and creates compliance urgency for incumbents.
FCRA - Fair Credit Reporting Act. Federal law governing how consumer credit information is collected and used. Required compliance for HR screening and background check use cases.
SOC 2 Type II - A security and compliance audit standard required by enterprise financial institutions before signing data contracts.
This deck was prepared for discussion purposes only. All projections are estimates. Market data sourced from publicly available reports.

17

appendix - PRICING
What Institutions Pay. Why Employers Embed for Free.
GIGAMATIC is free for employers to embed. Revenue comes entirely from institutions — flat access fees and per-verification tolls. The free employer model removes procurement friction and accelerates network growth. All figures below reflect institutional pricing only.
1. Employers
Free to embed · no per-head charge
Starter Tier
Under 5K workers
$0 / month
Growth Tier
5K–25K workers
$0 / month
Scale Tier
25K+ workers
$0 / month
No platform fees, zero friction. Employer may also receive optional revenue share of transactions
2. Institutions
Pay-per-verification fee
Verification fees
$20–35 per verification
Performance fees
$50-100 Approved Credit Cards
$25-100 Opened Deposit Accounts
$50-200 Qualified Insurance Leads
$100-$300 Approved Personal Loans
Enterprise Flat fee*
$15k-25k / month
We will introduce a tiered platform fee -entry tier free (pay-per-verification only), then paid tiers add volume rates, priority, and SLAs (near-term).
3. User Subscriptions +
Excluded from all unit economics below
Premium Subscription fees
  • User pays a monthly fee to access premium features:

    1. Financial transactions;
    2. AI insights and product matching;
    3. Credit monitoring.
Referral Product fees
  • Fees from product placed inside the worker home platform
Financial Fees
  • Banking interchange layer earns on financial activity
Potential: $10–25 / user per month
What 1 Employer + 1 Institution Produces
1 employer (25,000 workers) + 1 institution · 15% verification mid-case · user premium-subscription fees excluded
Performance fees assume 10% conversion of verified workers at $150 blended avg (credit cards, loans, insurance leads). Institution platform fee $15K/mo Enterprise tier. Figures illustrative - not forecasts of committed revenue.

Annual Recurring Revenue Projection
$450K ARR
1 employer + 1 institution
$900K ARR
2 employers + 2 institutions
$2.7M ARR
6 employers + 6 institutions

18