The mission

1.57 billion workers.
Zero proof they exist.

If you earn independently — driving, freelancing, building, delivering — the financial system wasn't built for you. You have income. You just can't prove it.

Mavvrixx was built to change that.

Scroll to see the gap
Monday morning. One goal. Two realities.

Same income.
Different system.

James and Priya earn roughly the same amount this year. They both want to rent the same apartment. Watch what happens next.

James, 34 — Toronto, Canada
Marketing Manager · Payroll employee
Annual income: $71,000
VS
Priya, 32 — Toronto, Canada
UberEats driver + freelance designer
Annual earnings: $74,000
Both want to rent a 2-bedroom apartment — $2,200/month. Landlord requires income verification.
Landlord asks for income verification. James logs into The Work Number — Equifax's payroll database.
✓ Found instantly
t = 0:00
System confirms employer, salary, employment dates. Auto-verified. No documents needed.
✓ Verified in 8 seconds
t = 0:08
Landlord receives instant confirmation. Lease prepared.
✓ Application approved
t = 0:15
James signs lease. Moves in next month.
✓ Done. 15 seconds total.
t = 0:15
—
—
—
—
Landlord asks for income verification. Priya opens her Uber app. There's no "annual income" export. The PDF shows weekly summaries only.
⏳ Searching for documents
t = 0:00
Priya emails 6 months of bank statements. Landlord says they need a T4 or NOA. Priya is self-employed — she has neither.
✗ Documents rejected
t = Day 2
Accountant prepares income letter. Costs $180. Landlord says "we don't accept letters from accountants." Application put on hold.
✗ Still not verified
t = Day 5
Another applicant (payroll employee) is approved while Priya's application is pending. Apartment gone.
✗ Application lost. Start over.
t = Day 9
James — payroll worker
Apartment. 15 seconds.
The Work Number did what it always does. Invisible, instant, taken for granted.
Priya — independent worker
No apartment. 9 days. $180 wasted.
Same income. Higher earnings, actually. No system that knows she exists.

This isn't bad luck.
It's a system that was never built for her.

The Work Number® covers 40% of the US workforce — every payroll employee at every major company. It was built in 1996. Nothing like it has ever been built for independent workers.

Until now.

This isn't an American problem

The gap exists everywhere.
The wound feels different.

1.57 billion independent workers worldwide. Same broken system. Different stories.

🇺🇸

"I used to just give them my SSN. Now I bring a folder."

Marcus drove for Uber for 4 years after leaving his corporate job. He remembers when income verification was a phone call. Now it's a 3-week ordeal every time he needs anything — a loan, a lease, even a phone plan.

"I make more money now than I did at my desk job. But to the world, I don't exist. Banks look at me like I'm lying."
59M
Independent workers in the US. 36% of the workforce. $1.3T in annual earnings — invisible to the financial system.
The Work Number®
Equifax's income verification database. Covers 40% of US payroll workers. Has never included a single independent contractor.
What GigID changes

GigID™ is the Work Number for independent workers. Connect your platforms. Verified instantly. Accepted by lenders, landlords, and insurers — same as any payroll employee.

🇬🇧

"HMRC says I earned it. My bank says it doesn't count."

Aisha is a self-employed consultant in Birmingham. She files her Self Assessment every year, pays her taxes on time, and still gets rejected for mortgages because her income is "unverifiable."

"I showed them three years of tax returns. They said they need 'stable' income. My income is more stable than most — I just don't have a payslip."
5M+
Self-employed workers in the UK. 15% of the workforce. Systematically excluded from standard mortgage and credit products.
SA302
The HMRC tax calculation document that self-employed workers must use instead of payslips. Most lenders accept it — after 90 days processing.
What IndieID changes

IndieID™ integrates with HMRC data and platform earnings to create a real-time income profile — accepted by FCA-regulated lenders and insurers as equivalent to a payslip.

🇵🇭

"My family depends on me. But I can't prove I have a job."

Carlo is a top-rated Grab driver in Manila, supporting his parents and two children. When his father needed emergency surgery, the hospital wanted proof of employment before approving his payment plan. He couldn't provide it.

"I work 12 hours a day. I send money home every week. But on paper — nothing. I'm nobody to the system."
15M+
Gig economy workers in the Philippines — one of the fastest-growing in Southeast Asia. Most are unbanked or underbanked.
GCash
60M+ GCash users — but income verification still doesn't exist for platform workers. Grab, Lalamove, and FoodPanda workers have no portable identity.
What GigID changes

GigID™ in the Philippines integrates with Grab, Lalamove, and local platforms. Your badge works at partner hospitals, clinics, and lenders — mobile-first, no bank account required.

🇮🇳

"Formal employment is status. Gig work is invisible."

Ravi is a Swiggy delivery partner in Bengaluru earning ₹40,000/month — more than many entry-level IT workers. But without a Form 16, he can't get a personal loan or rent an apartment in a decent area.

"My work is real. My money is real. But I'm treated like I'm doing something temporary. Something less."
77M
Gig workers in India by 2030 (NITI Aayog projection). Less than 5% have access to social protection or formal credit.
e-Shram
Government registry for unorganised workers — 280M+ registered, but no income verification or financial access layer built on top.
What GigID changes

GigID™ India integrates with Swiggy, Zomato, Ola, and Urban Company. Partners with NBFC lenders and insurance providers. GigScore accepted as equivalent to CIBIL supplement for gig workers.

🇳🇬

"The badge is the credential."

Chidi runs a two-person logistics business in Lagos, moving packages for e-commerce sellers. He earns well. But when he tried to get a business loan to buy a second motorcycle, every microfinance institution turned him away — no payslip, no collateral.

"In Nigeria, if you don't have a letter from an employer, you're not real to the financial system. I am my own employer. That doesn't count."
85%
Of Nigeria's workforce is in the informal economy. One of the highest rates in the world — and growing as smartphone and data penetration accelerates.
M-Pesa model
Africa has shown that mobile-first financial identity works. GigID builds on this — your badge is your credential, trusted because the data behind it is real.
What GigID changes

GigID™ in Nigeria is mobile-first, USSD-accessible, and integrates with Jumia, Kobo360, and local logistics platforms. Partner microfinance banks accept GigScore as primary credit signal.

🇲🇽

"Monotributistas already know how to prove themselves. GigID makes it instant."

Sofía is a freelance architect in Mexico City. She's registered as a persona física con actividad empresarial, pays her taxes through the SAT, and still has to explain her work to every bank she deals with.

"I have RFC, I pay ISR, I invoice everything. The bank still asks me to prove I have 'stable' income. My income comes from 12 different clients — that IS stability."
30M+
Independent workers in Mexico. Strong culture of self-employment (autoempleo) but fragmented identity — SAT data exists but isn't accessible to lenders in real time.
SAT + CFDI
Mexico's electronic invoicing system means income data exists — it's just siloed. GigID connects to SAT data to create an instant income profile.
What IndieID changes

IndieID™ Mexico integrates with SAT CFDI data, Mercado Libre, and freelance platforms. Your GigScore is calculated in real time from actual invoiced income — accepted by BBVA, Banorte partner lenders.

🇦🇪

"When your visa changes, your identity disappears."

Ahmed is a freelance consultant in Dubai on a Freelancer Permit. When his previous employer-sponsored visa expired, his credit history reset to zero. Three years of on-time payments — gone. He had to rebuild from scratch.

"My skills didn't change. My income didn't change. But to the UAE financial system, I became a new person the day I went independent. Everything I built disappeared."
90%
Of UAE's workforce are expatriates. Freelancer Permit holders face unique identity fragmentation — their financial history doesn't survive visa transitions.
UAE Freelancer Permit
DMCC, twofour54, and other free zones issue Freelancer Permits — but no portable income identity bridges the gap between permits, visas, and financial history.
What IndieID changes

IndieID™ UAE is tied to your work history, not your visa. Your GigScore travels with you across permits, employers, and emirates — portable, permanent, yours.

1.57B
workers the financial system ignores

That's not a niche. That's the majority of how work actually gets done on this planet. Delivery. Care. Construction. Creative. Consulting. Driving. Building. Real work. Real income. No proof.

"Independent workers aren't asking for special treatment. They're asking for the same access that payroll workers have always taken for granted. A system that sees them. A number that counts. An identity that works."
— Mavvrixx founding mission, 2024
The solution

The Vault was built for you.
It's impregnable. It's yours. It's free.

Mavvrixx built a secure financial identity vault for independent workers. Your income data, your verification, your badges — owned by you, controlled by you, accepted by the institutions that used to ignore you.

🪪

Your Verified Identity

GigID™ or IndieID™ — a portable, verified income identity accepted by lenders, landlords, insurers, and platforms worldwide.

Free at Level 1
🛡️

Income Protection

If you can't work — injury, illness, accident — your income is protected. Cover that actually understands how independent workers earn.

From $8.99/mo
📊

Financial Access

Your GigScore™ opens doors. Loans from lenders who accept independent income. Mortgages. Leases. Credit products built for the way you work.

Unlocks at Level 2
🤝

Community Power

1.57 billion workers have no collective voice. GigID gives them one. Group rates, advocacy, collective bargaining — strength in numbers.

All members
📱

Your Badge

Five shareable formats. LinkedIn, WhatsApp, email signature. Show your verified status to every client, landlord, or partner who needs proof.

All levels
🌍

Works Everywhere

Cross-border. Multi-platform. Visa-portable. Your GigID travels with you — whether you move countries, change platforms, or expand your work.

Global

🔒 Why the Vault is impregnable

🔑

Zero-knowledge architecture

Your data is encrypted with keys only you hold. Not even Mavvrixx can read your raw financial data.

✋

Consent-first by design

Every B2B query requires your explicit consent. You control who sees what, when, and for how long.

🌐

GDPR · CCPA · LGPD compliant

Built for global compliance from day one. Right to erasure. Data portability. Full audit trail.

🏦

Bank-grade infrastructure

AES-256 encryption at rest. TLS 1.3 in transit. SOC 2 Type II roadmap. Same standards as your bank.

🚫

Never sold. Ever.

Your data is yours. We make money when partners verify you — not from selling your information.

🔍

Full transparency

See every query made against your record. Know exactly who accessed your data and why.

Your work is real.
Now prove it.

Claim your GigID™ or IndieID™ in 60 seconds. Free forever at Level 1. No credit card. No paperwork. The system that was always supposed to exist for you — finally does.

🪪 Claim my GigID™ → ✨ Claim my IndieID™
Free at Level 1. Always. 60 seconds to claim No credit card Works in 50+ countries