From IC Risk Liability to IC Revenue Asset — In 10 Stages

The problem every PEO faces: You are the compliance backbone for businesses that hire independent contractors. IC misclassification is your single biggest liability — one audit, one reclassification ruling, and the exposure can be catastrophic.

But beyond the liability, there's an opportunity you're leaving on the table: your IC clients want financial products — insurance, advances, credit — and you're sitting on the relationship data that could make those products possible. Without Mavvrixx, that opportunity is locked.

Three tiers aligned to your IC programme size:

The regulatory window is open: The Modern Worker Empowerment Act enables companies to offer portable benefits to independent contractors without triggering reclassification as employees. PEOs are the natural delivery layer.

When you activate the Indie Suite™ through your PEO portal, your IC clients gain access to:

• IndieShield™ — income protection, health, and liability insurance matched to their vocation
• IndieATM™ — earned income advances (not payday loans — tied to verified platform earnings)
• IndieScore™ — their financial identity score, shareable with lenders and insurers
• IndieID™ — a permanent, portable professional identity credential (IID-XXXXXXXX)

API key issued in under 60 seconds. peo_sandbox_* prefix for testing. Your PEO Partner ID is live immediately.

// IC misclassification signal — first call
curl -X POST https://mavvrixx.ai/api/v1/mcp \
  -H "Content-Type: application/json" \
  -H "x-mcp-api-key: YOUR_API_KEY" \
  -d '{
    "jsonrpc": "2.0", "id": 1, "method": "tools/call",
    "params": {
      "name": "indiescore.get",
      "arguments": {
        "workerId": "w_ic_worker_001",
        "consentToken": "ctkn_...",
        "context": "peo_misclassification_check"
      }
    }
  }'

Key MAP tools for PEOs and EORs:

For PEOs and EORs with AI-driven HR platforms — MAP plugs directly into your existing AI agent stack. Your HR AI gains real-time access to IC financial intelligence.

// Add Mavvrixx to your HR platform AI config
{
  "mcpServers": {
    "mavvrixx-peo": {
      "url": "https://mavvrixx.ai/api/v1/mcp/sse",
      "headers": { "x-mcp-api-key": "YOUR_API_KEY" },
      "description": "IC financial identity & misclassification signals"
    }
  }
}

Compatible with HRIS/HCM AI layers: Rippling AI, Gusto, Workday AI, SAP SuccessFactors, Oracle HCM, Ceridian Dayforce.

Test with pre-built IC worker archetypes across risk profiles:

• Genuine IC — High signal: 5 clients, 3yr tenure, income diversity 0.82, IndieScore 760. Misclassification risk: LOW.
• Borderline IC: 2 clients (80% one employer), 8mo tenure, IndieScore 520. Misclassification risk: REVIEW.
• Platform-dependent worker: Single gig app, 4mo tenure, IndieScore 440. Misclassification risk: FLAG.
• International IC: UK-based freelancer, 4 international clients, GDPR-compliant consent, IndieScore 700.
• Trade contractor: Electrician, sporadic project income, 8yr vocation history, IndieScore 680.

Every MAP tool call is worker-initiated. The IC worker consents directly — your PEO facilitates the consent UI.

• Consent is scoped: worker selects which tools can access which data domains
• Not a consumer report under FCRA (Section 604(a)(2) — worker-initiated)
• No PII retained by Mavvrixx after consent window expires
• GDPR Right to Erasure honoured within 72 hours
• Your PEO is a distribution layer — zero financial institution liability
• Compatible with Modern Worker Empowerment Act portable benefits framework

Go-live checklist:

• IndieID™ verification tested with 10+ IC profiles ☐
• IndieScore™ misclassification signal integrated into IC onboarding flow ☐
• Indie Suite™ portal activated in your IC client-facing dashboard ☐
• Consent flow tested and documented for your compliance team ☐
• Rev-share bank account verified with Mavvrixx ☐
• 3-page pilot agreement signed (Pilot tier only) ☐

Real-time visibility into your IC programme:

• White-label Indie Suite™ — your brand on portable benefits. "Powered by Mavvrixx" hidden.
• Custom rev-share — volume bonuses negotiated based on IC programme size
• Batch IC onboarding — CSV import, bulk consent flows, webhook automation
• 189-country coverage — EOR clients operating globally are fully covered
• Dedicated SLA — 99.9% uptime guarantee, named account manager, quarterly business review

PEOs and EORs reaching 5,000+ active IC workers on Mavvrixx unlock Pioneer status:

• "Mavvrixx Pioneer Partner" badge — for your IC portal and marketing materials
• Co-marketing: joint case study, press release, PEO industry publication feature
• Product co-development — direct input into Mavvrixx IC compliance roadmap
• Early access to new MAP tools, jurisdiction-specific compliance modules
• Custom rev-share structure with volume bonuses