High-earning solopreneurs and project-based freelancers suffer from "liquidity whiplash," where extreme month-to-month income volatility forces them into predatory high-interest debt to cover fixed living costs during lean payment cycles.

The Solution

• A Predictive Liquidity Bank Account that analyzes contract history to "smooth" income, automatically withholding surplus during peak months to front 70% of verified invoices instantly during troughs.

Success Criteria

• Metric: 80% reduction in overdraft fees and reliance on high-interest revolving credit.
• Outcome: User maintains 100% consistency in meeting fixed monthly obligations (rent/tax/insurance) without external loans.