Your Money, Moving Smarter.

Rubix is our modern banking and treasury platform, which was built for financial advisors, brokers, small businesses, and other financial platforms. We unify payouts, IRS refunds, lending, and credit building into one seamless ecosystem — fast, compliant, and ready to scale with you.

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Claim the FICA Tip Credit Without the Paperwork

The FICA Tip Credit allows businesses to recover thousands in IRS refunds for taxes paid on employee tips — but most never claim it due to the complexity of the process.

Rubix Makes It Simple.

IRS Refunds Routed Directly to Compliant Treasury Accounts

No Forms to Manage, No Manual Steps, No Delays

Designed for restaurants, franchises, and businesses with tipped employees
Fully audit-ready and backed by trusted financial partners.

Rubix powers the entire refund flow — from submission through Anchor Tax Services to disbursement — so business owners and operators don’t have to manage it themselves.

Start Your FICA Tip Credit Claim

Trusted by Gig Workers, SMBs & Platforms

Rubix is the preferred banking and treasury partner for operators who need speed, scale, and compliance all in one place.

2
.
75
M+
SMBs onboarded
300
,000+
Gig workers paid
$
620
M+
IRS refunds disbursed
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More Than a Bank.
Built Around You.

Why settle for outdated banking? Rubix is a next-generation platform designed to streamline the most complex financial flows with automation, compliance, and flexibility at its core.

Automated treasury accounts for IRS-compliant fund routing

Access to IRS refunds, disaster recovery loans, and credit-building tools

Same-day payouts for financial professionals and brokers supporting client refunds

Designed for real-life finance. Built to move with you.

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Banking That Works as Hard as You Do

Treasury Account Automation

The FICA Tip Credit allows businesses to recover thousands in IRS refunds for taxes paid on employee tips—but most never claim it due to the complexity of the process.

IRS Refunds & Disaster Recovery

Rubix partners with Anchor Tax Services to streamline refund access and provide fast-track funding during times of crisis—supporting individuals and businesses when it matters most.

Same-Day Payouts

Rubix partners with Anchor Tax Services to streamline refund access and provide fast-track funding during times of crisis—supporting individuals and businesses when it matters most.

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One Ecosystem. Built for Real-Life Finance.

Rubix is the banking engine behind the Anchor platform, which connects the dots between payouts, compliance, tax services, and credit-building.

Buoy → Payroll, tax management, healthcare for SMBs
MyGig → Commission tools and gig worker access
Anchor Tax Services → IRS tax filing and refund acceleration
Recovery Titan → Disaster relief funding + routing
eCredable → Alternative data credit-building tools

Who We’re Built For

Rubix is a purpose-built digital banking infrastructure for professionals and businesses navigating complex financial flows–with compliance, speed and scale in mind.

SMBs

Track payouts, unlock credits, and stay IRS-compliant — automatically.

Tax Credit Clients

Get your IRS refunds with no paperwork and no lag time.

Gig Workers

Same-day payments. No apps to chase. No bank delays.

Financial Advisors & Brokers

Same-day payouts for professionals managing tax filings, refund disbursements, and disaster relief on behalf of clients

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Built with Trust in Mind: Compliance isn’t Optional — It’s Built Into Our DNA

We’re not just fast; we’re compliant by design. Rubix is built to pass audits, integrate cleanly, and handle sensitive financial data securely.

KYC/KYB, OFAC, AML — all baked in

MyGig → Commission tools and gig worker access

Anchor Tax Services → IRS tax filing and refund acceleration

Recovery Titan → Disaster relief funding + routing

eCredable → Alternative data credit-building tools

See How We Handle Compliance

Banking Infrastructure Backed by a Trusted Network

Rubix is the financial engine powering the Anchor ecosystem. We provide compliant, audit-ready flows for platforms like Buoy and MyGig.

Learn More About Anchor

Built on Trust. Powered by Partners.

Rubix works because of a trusted network of partners—from banks to compliance tech to platforms processing millions in payouts.

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Designed for Scale. Ready for You.

Whether you’re running a business, managing client payouts, or launching a platform, Rubix is the banking backbone for the modern economy. Scalable, secure, and built around real operators.

Learn More About Anchor

Coming At The End of 2025: Be The First to Access Rubix’s Platform.

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Frequently Asked Questions

What is Rubix’s small business online banking platform?

Rubix is a modern alternative to traditional business banking—built specifically for small businesses, financial professionals, and tax credit clients. We offer automated treasury accounts, IRS refund routing, and business banking infrastructure that’s fast, secure, and audit-ready.

What is a good bank for small business?

The best bank for a small business is one that doesn’t slow you down. Rubix offers treasury-backed checking, real-time disbursements, and IRS refund flows—all without the friction or paperwork of traditional banks.

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Which bank is better for small business—Rubix or a traditional institution?

Rubix isn’t a traditional bank—it’s a modern platform built on regulated banking infrastructure. That means you get everything you need (speed, compliance, visibility) without what you don’t (manual forms, hidden fees, delays).

Can Rubix help me claim the FICA Tip Credit?

Yes. Rubix supports businesses eligible for the FICA Tip Credit with fully automated refund flows. We handle the setup, routing, and compliance so your refund is processed faster, and your audit trail is always intact.

Claim Your FICA Tip Credit
What tools does Rubix offer for financial advisors and brokers?

Rubix is building flows specifically for financial professionals who manage client tax filings and refunds. We automate payouts, provide treasury account access, and deliver audit-ready tracking—launching in late 2025.

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Does Rubix support IRS refund automation for small businesses?

Yes. Rubix routes IRS refunds directly into compliant treasury accounts—automating the entire process, from deposit to disbursement. It’s fast, accurate, and always audit-ready.

How does Rubix help with IRS refund compliance?

Rubix is built with compliance at its core. From KYC/KYB to OFAC screening and PCI-grade security, every treasury account and refund route is audit-ready and IRS-aligned—so you never worry about being out of step.

Is Rubix secure and compliant for business banking?

Absolutely. We partner with regulated institutions like Gulf Atlantic Bank and Anchor. Rubix is PCI-DSS certified and fully compliant with KYC, KYB, AML, and OFAC protocols—so you’re safe from day one.

How do I get started with Rubix?

If you’re eligible for a tax credit or refund, you can get started today. If you’re a small business or advisor looking for modern banking infrastructure, join our waitlist to be first in line.

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What's the difference between the FICA Tip Credit and the Employee Tip Credit?

The FICA Tip Credit (→ /fica-tip-credit) is an employer-focused IRS credit for recovering FICA taxes paid on employee tips. The term Employee Tip Credit (→/employee-tip-credit) is often used more broadly, but Rubix is built specifically to automate the IRS-recognized FICA Tip Credit.

What happens if I’m audited after claiming the FICA Tip Credit?

Rubix provides full FICA Tip audit support with pre-logged documentation, IRS-aligned refund tracking, and compliant account routing. You're protected before the IRS ever asks.

Can Rubix automate the FICA Tip refund process?

Yes. Rubix automates the entire FICA Tip refund flow—no forms, no delays. We create treasury accounts, route the refund from the IRS, deduct fees, and deliver the final payout to your business.

Who is eligible for the FICA Tip Credit?

If your business employs tipped workers (e.g., in restaurants or hospitality) and pays FICA taxes on their reported tips, you likely qualify. Rubix helps determine eligibility and ensures IRS compliance from the start.

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