Prove what you earn.
Own where you're going.
Connect your gig platforms — Uber, DoorDash, Upwork, and 300+ more — and generate lender-ready income reports in minutes. No traditional credit check required.
No credit card required
Bank-Grade Security
AES-256 encrypted, SOC-3 compliant
300+ Platforms
Uber, DoorDash, Upwork, Fiverr & more
Lender-Ready Reports
Accepted by 500+ financial institutions
76M+
Gig workers served
300+
Platforms connected
500+
Lenders accepting reports
2.4B+
Income records verified
Everything you need to
prove your income
From alternative credit scoring to lender-ready reports, Krostio is the financial operating system for the gig economy.
Krost Alternative Credit Score
A 9-factor income-based credit model (300–850) that evaluates platform tenure, income stability, trajectory, and more — no traditional credit bureau required.
Unified Earnings Ledger
A normalized, chronological feed of all your income across 300+ platforms. Every transaction is Argyle-verified for lender confidence.
Lender-Verification Reports
Professional PDF transcripts with the 'Argyle Verified' seal. Accepted by over 500 mortgage lenders, banks, and credit unions.
Income Stability Index
Visualize your income volatility on a 0–100% stability gauge. See trends, seasonal patterns, and cross-platform diversification at a glance.
12-Month Trend Analysis
Interactive rolling charts that show your income trajectory, platform mix, and growth patterns over the past year.
Secure Shareable Links
Generate time-limited, email-gated access URLs for lenders. Grant read-only verified report access with full audit trails.
Tax Preparation Tools
Schedule C-aligned income breakdowns, write-off tracker, and self-employment tax estimator. Export-ready for your CPA.
Bank-Grade Security
AES-256 encryption, SOC-3 compliant infrastructure, and FCRA-compliant alternative scoring that's not a credit report.
Simple, transparent pricing
Start free. Upgrade when you need more.
Free
Essential income tracking to get started.
- 1 platform connection
- Basic income metrics
- Monthly earnings summary
- Mobile-friendly dashboard
Pro
Standard reporting for mortgage and loan underwriting.
- Unlimited platform connections
- Unlimited verification statements
- Income stability & volatility index
- Tax income matching (Schedule C)
- Public verification URLs
- Multi-platform portfolio analysis
Pro+ Agency
For tax preparers, lenders, and mortgage brokers.
- All Pro features
- Role-based access (staff seats)
- Full document generation suite
- CPA portal exports
- Batch report compilation
- Dedicated support
Trusted by gig workers
and lenders alike
“Krostio turned my messy Uber earnings into a professional income report my mortgage lender actually accepted. Game changer.”
Marcus J.
Uber Driver, 4 years
“I was able to qualify for an apartment with Krostio's verification report. No one else would accept my 1099 income.”
Sarah K.
Freelance Designer
“As a loan officer, Krostio reports save me hours of manual income verification. I trust the data because it's Argyle-verified.”
David Chen
Mortgage Underwriter
“The tax prep tools alone are worth it. My CPA loves the Schedule C export. I wish I'd found this years ago.”
Priya M.
Multi-Platform Worker
“Krostio helped me buy a car. The loan officer accepted my DoorDash earnings report on the spot. I drove off the lot same day.”
James T.
DoorDash Driver, 3 years
“Tax season used to be a nightmare with scattered 1099s. Krostio organized everything — my CPA said it was the cleanest Schedule C she'd ever seen.”
Aisha R.
Instacart Shopper
“We use Krostio reports for every rental application now. It's the only income verification tool that actually understands gig workers.”
Megan Foster
Property Manager
“My Krost Score went from 620 to 780 in six months once I understood what factors mattered. I just qualified for a rewards card I never thought I'd get.”
Derek L.
Lyft Driver, 5 years
As featured in
Trusted by industry leaders
Ready to own your
financial identity?
Join thousands of gig workers who are already using Krostio to unlock better loans, leases, and financial opportunities.