06/05/2026
The workforce is changing. The financial system hasn’t caught up.
In 2025, over 36 million Americans earn their income independently — no W-2, no employer, no guaranteed paycheck. Yet banks, lenders, and financial institutions still underwrite risk the same way they did 40 years ago.
Commission. Contracts. Freelance. 1099.
These aren’t red flags. They’re the new normal.
Prova was built to give the 1099 economy the financial identity it deserves — verified income, a real credit profile, and access to the tools that W-2 workers have always taken for granted.
The shift already happened. Now the system needs to catch up.