Agent Wallet

Grow your brand with in-house financial offerings.

Savings, 401(k), expense management, bill pay, early commission access, and more — all in your brokerage, with great rates and low fees so you can recruit, retain, and grow.

Broker-branded Zero admin burden Built for 1099 income
01 · Agent Wallet

The financial hub for your agents — under your brand.

Agent Wallet bundles the tools 1099 agents need to run their business: high-yield savings, bill pay, expense management, and early access to earned commissions. Same-day money movement on closings, pulled directly from your back-office deal data — no manual ops work.

  • Same-day access to earned commissions on pending closings
  • High-yield savings with no minimums
  • Bill pay and expense management — card + ACH
  • Broker-branded — your colors, your domain
  • Pulled directly from your back-office deal data, reconciled at close
02 · Tax & Retirement

A real retirement plan, built for 1099 income.

SoloK is a Pooled Employer Plan (PEP) Solo 401(k) purpose-built for independent real estate professionals. The retirement plan agents have been asking for — with none of the admin headaches brokerages have been dreading.

  • Up to $70,000/yr in tax-advantaged contributions ($77,500 if 50+)
  • Traditional (pre-tax) and Roth (after-tax) — flex by income year
  • Zero compliance burden on the brokerage — admin, IRS filings, Form 5500, fiduciary oversight fully managed
  • Flexible contributions — scale up in big years, scale back when slow
  • Institutional-grade infrastructure at independent-professional pricing
Why brokerages offer Agent Wallet

A benefit, a moat, and a revenue line.

Recruit & retain

Top agents already have financial tools. Now your brokerage does too — and they don't have to leave to get them.

Zero admin overhead

Wallet is built into Vero. SoloK compliance is fully managed. Nothing new for your ops team to run.

Revenue opportunity

Embedded financial tools aren't just a benefit — they're a revenue line. Participation-based economics that grow with your roster.

Frequently asked questions

Common questions about Agent Wallet.

What is Agent Wallet?

Agent Wallet is a broker-branded financial hub for 1099 agents — high-yield savings, bill pay, expense management, and early access to earned commissions on pending closings. All pulled directly from your back-office deal data, reconciled at close.

Same-day money movement on closings. No manual ops work on the brokerage side.

How does early commission access work?

When a deal is under contract, agents can access a portion of their earned commission before closing — pulled directly from the deal data in your back office. The remaining balance is automatically reconciled and released at close.

No third-party factoring, no high-interest advances. The agent accesses what they've already earned.

What is SoloK and how does it differ from a regular 401(k)?

SoloK is a Pooled Employer Plan (PEP) Solo 401(k) purpose-built for independent real estate professionals. It lets agents contribute up to $70,000/year ($77,500 if 50+) in tax-advantaged retirement savings — both Traditional (pre-tax) and Roth (after-tax).

The brokerage has zero compliance burden — admin, IRS filings, Form 5500, and fiduciary oversight are fully managed by Upfront.

Is Agent Wallet branded under my brokerage?

Yes — your colors, your domain. Agents see it as a benefit you provide, not a third-party tool. It's built into Vero, so there's nothing new for your ops team to run.

Does offering Agent Wallet create admin work for the brokerage?

No. Agent Wallet is built into Vero and SoloK compliance is fully managed. There's zero new admin overhead. The financial tools pull from your existing deal data — nothing to enter, nothing to reconcile manually.

Can brokerages earn revenue from Agent Wallet?

Yes. Embedded financial tools aren't just a benefit — they're a revenue line. Participation-based economics that grow with your roster. We'll walk you through the model in a custom scope.

Talk to us

Agent Wallet, under your brand.

Tell us about your brokerage. We'll come back with a sized model covering Agent Wallet — savings, 401(k), bill pay, expense management, and early commission access — and what they'd unlock for your agents.

  • Broker-branded — your colors, your domain
  • Zero admin overhead
  • Reviewed by an operator, not a sales engineer

Book a walkthrough

We'll come back with a custom scope and an agent-impact estimate.
We use your details only to scope your needs. Never shared.