IndieShield™ Signal gives you the three signals credit bureaus can't: vocation risk class, income stability, and coverage inventory — for ~1.6 billion independent workers.
1,000 free queries · 90-day pilot · 3-page agreement · No MSA
IndieShield™ Signal Response
{ "query_id": "qry_abc123", "tier": "standard", "signals": { "vocation_risk_class": { "class": "B2", "label": "Skilled Trade — Low Volatility", "confidence": 0.94 }, "income_stability": { "score": 74, "trend": "improving", "volatility_index": 0.18 }, "coverage_inventory": { "active_policies": 2, "gaps": ["disability", "life"] }, "gap_flags": ["no_disability_coverage"] }, "indiescore": 71, "consent_verified": true }
Independent workers are the fastest-growing labour segment — yet carriers still underwrite them with credit bureau proxies built for salaried employees. Credit bureaus miss three things that actually determine indie worker risk:
Variable and seasonal income is invisible to point-in-time credit pulls. We model 12 months of rolling income patterns.
200+ independent worker categories, each with distinct risk profiles. SIC codes were built for employers, not the self-employed.
What policies does the worker already hold? Eliminating duplicate coverage reduces moral hazard and improves loss ratios.
"Loss ratios on indie worker cohorts run 15–22% higher than salaried — not because the risk is higher, but because the scoring is wrong."
Fix the scoring. Fix the loss ratio.
The Underwriting API
Query any independent worker's financial profile — with consent — and receive vocation risk class, income stability score, coverage inventory, and gap flags.
The Distribution Engine
Deposit your products into the Mavvrixx Catalog. Mavvy surfaces them to workers at the exact moment a stability gap is detected in their Vault.
The AI Agent Layer
Connect your AI underwriting agent to all 11 Mavvrixx intelligence tools via MCP 2024-11-05. One config file. Compatible with Claude, Agentforce, SAP Joule.
Credit bureaus see transactions. Mavvrixx sees the whole worker.
| Signal | Credit Bureau | Mavvrixx IndieShield™ |
|---|---|---|
| Income volatility | ❌ Point-in-time snapshot | ✅ 12-month rolling model |
| Vocation risk class | ❌ SIC codes (built for employers) | ✅ 200+ indie categories |
| Coverage inventory | ❌ Not captured | ✅ Consent-gated, real-time |
| IndieScore™ | ❌ Not applicable | ✅ 5-factor indie financial health |
MAP is to independent worker financial data what Plaid is to banking data — the governed access layer the ecosystem runs on. Unlike Plaid, Mavvrixx owns the underlying data. Plaid was acquired by Visa for $5.3B. Mavvrixx owns what Plaid never did.
3-page agreement, signed digitally. No MSA. No legal back-and-forth.
Instant credentials via the partner dashboard. Sandbox access live immediately.
Test with synthetic personas. When ready, flip to production with a live worker consent token.
Full signal in production. Benchmark report unlocks at 100 queries.
1,000 Standard Signal queries at no cost. 3-page agreement. API key issued instantly.
By submitting, you'll receive a pilot agreement within 1 business day. No commitment required.
We'll send your pilot agreement within 1 business day.
Watch Priya's journey: IndieScore™ for underwriting, IndieVerify™ for income proof, IndieShield™ for coverage — one platform, zero adverse selection.
