Connected earnings
Uber + DoorDash + InstacartConsumer credit for the platform economy
The credit card platform built for what modern work actually looks like.
Strada is building a revolving credit card for gig workers using real-time platform earnings, bank cash flow, and adaptive repayment instead of relying only on outdated bureau assumptions.
Workers across rideshare, delivery, and marketplace apps need a credit experience that understands multi-platform income, payout volatility, and real working capital needs.
The PRD is clear: start with a Visa or Mastercard-branded card, underwrite from earnings and transaction data, automate repayment from verified payouts, and log the entire system like a real credit platform from day one.
See how the product worksFlexible credit infrastructure to meet income patterns that change every week.
Traditional card products are slow, rigid, and blind to how drivers and couriers actually earn. Strada brings underwriting, repayment, monitoring, and line controls together in one platform built for variable income.
Create a tailored credit experience for workers who move across apps, markets, and payout cycles.
Underwrite from earnings, not guesswork
Use direct platform data, Plaid-linked transaction history, and fallback document extraction to build an applicant-level view of real earning power.
Repay from live payouts
Apply a small adjustable percentage of each platform deposit toward balance reduction while preserving liquidity for workers.
Adjust line size with momentum
Review accounts weekly, expand access for healthy earnings trajectories, and respond early when work activity falls off.
Log everything for retraining
Store decision features, early warnings, line changes, and outcomes so the product improves from real performance data.
Application flow
From identity to issuance in one system.
Identity, platform verification, bank linking, underwriting, card issuance, and repayment setup all connect inside the same product narrative.
Early warning system
Detect trouble before a borrower fully breaks.
Earnings drops, payout redirects, missed minimums, and platform deactivation are treated as real credit signals, not afterthoughts.
Credit building
A product meant to widen access over time.
The long-term value is not just a card. It is a tradeline, stronger financial visibility, and a path toward bigger products.
FAQ
Is Strada live today?
Not yet. This site reflects the MVP vision from the PRD, not a live credit offer or production application flow.
Borrower fit
Who is the initial user?
Full-time and part-time gig workers with real platform income, especially people who are thin-file, underserved, or forced into expensive legacy credit products today.
Repayment
What makes repayment different?
The product is designed around a small percentage of verified payouts instead of rigid payroll assumptions, which better matches how delivery and rideshare income actually lands.
Long-term vision
Why all the data infrastructure?
Because the PRD treats the card as both a financial product and a training loop for better underwriting, monitoring, and future lending products over time.
Contact us
Talk to Strada before launch.
This site is an early product concept for a gig-worker focused credit card. Join the waitlist or reach out directly while the product is still taking shape.
Early access messages route to hello@stradacard.com.