The financial identity platform for gig workers
76 million Americans work gig jobs. Banks reject them because they can't see W-2s. Krostio turns multi-platform earnings into a portable, verifiable financial identity — built on three pillars: an earnings ledger, income reports, and a consistency score.
Pillar 01
A 0–100 score measuring how reliable your gig income is month-to-month. Built entirely on real earnings data.
Pillar 02
Unified, worker-owned record of every dollar earned across every platform, all in one place.
Pillar 03
Professional PDF reports and shareable links for loans, apartments, and credit applications. Data from your connected accounts.
The four building blocks
01
0–100 income-stability metric for gig workers
A deterministic scoring model purpose-built for 1099 workers. The score measures month-to-month income volatility, trajectory, and platform diversity — computed from real ledger data. Not a credit score. Better for anyone without a W-2.
Learn more →02
Permanent, unified earnings record across all platforms
Connect every gig platform — Uber, DoorDash, Lyft, Fiverr, Upwork, Instacart, and more — via Argyle. The Ledger aggregates all earnings into a single timeline. Export as CSV. Track monthly rollups. See your complete career earnings record in one place.
Learn more →03
Professional PDF reports you control
Generate on-demand PDF reports with income history, earnings charts, platform profiles, stability analysis, and trajectory. Share via expiring links with gated access. Revoke any time. Full access log.
Learn more →04
Share your income truth with who you choose
Download a professional PDF or share an expiring link with a lender, landlord, or credit app. Track who has viewed your report. Revoke access anytime. Your data, your control — no blockchain required.
Learn more →Connecting with the platforms you already work on
How it works
Link any combination of Uber, DoorDash, Lyft, Upwork, Fiverr, and more via Argyle. One tap per platform — encrypted, revocable.
All earnings from all platforms flow into a single unified timeline. See monthly rollups, career totals, and platform breakdowns at a glance.
Your Consistency Score (0–100) is computed from real earnings data. See exactly what factors help or hurt, with personalized improvement tips.
Generate a professional PDF report with your income history and consistency analysis. Share via expiring link or download instantly.
From the research blog
Plans
Get started
See what Krostio can do. No credit card needed.
For serious earners
Keep your income verification up to date across every platform you work on.
Pay as you go
One verified income report when you just need to share it with a lender.
Get started
Free score preview. No credit card. Takes about three minutes.