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Tight’s Income Streams API makes it easy for you to provide your users with FinTech functionality that speaks to their exact needs. Depending on your target user base, they may have many different types of income streams, including:
  1. Self-employed (1099) income, with separate P&Ls and Schedule Cs for each stream
  2. Business (K-1) income, from pass-through entities like LLCs, LLPs, and S Corporations
  3. Investment income, including short-term capital gains, long-term capital gains, qualified dividends, etc.
  4. Ordinary W-2 income

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1. How it works

The first step to using the Income Streams API is to connect your data sources. Many FinTech companies already use Plaid for aggregating transactions, so Tight integrates seamlessly and effortlessly with Plaid. Alternatively, you can push your user’s income info directly into the Tight API. The second step involves classifying that income information (e.g. as business income, W-2 income, etc.).
📘 Custom data sources If you have a custom data source (e.g. if you are developing software for a bank), the Tight API team would be glad to help you securely expose that data in a way that the Tight API can consume it. The Tight API team has established custom interfaces with banks, making the integration process turn-key for our partners. Don’t hesitate to email us at api@tight.com.

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2. What it enables

The Income Streams API enables you to build products that suit your specific users’ individual use cases. Different users have different types of income streams that need to be processed. For example, if your user has a full-time job that they receive a W-2 for, Tight can track that. If they drive for Uber on the side, receiving a 1099, Tight can also track that income. If that person then starts an LLC and receives a K-1 for it, Tight can track that as well. And once their business is successful and they start investing that money and receiving short or long-term capital gains, Tight can track that too! While tracking is useful in and of itself, Tight’s Income Streams API enables you to very easily provide tax estimates, financial reporting, and more on all of the above income streams. In fact, once you have your data sources connected, generating tax estimates or financial reports only takes one simple network call. Additionally, Tight’s Income Streams API learns each of your users’ behavior, automating processes that were traditionally thought of as cumbersome, such as how to classify specific income transactions.