Who Are Gig Workers on Kikoff?
Kikoff identified 31,900 users who received four or more verified gig income payments in 2025, from platforms including Uber, Lyft, DoorDash, Instacart, Grubhub, and Amazon Flex. Of those, 20,700 are part-time gig workers earning supplemental income alongside jobs in industries like staffing, logistics, and healthcare. The remaining 11,200 are full-time gig workers, meaning gig income represents 70% or more of what they earn.
These gig workers came because they needed what Kikoff offers: a structured, affordable way to build credit on an income type that traditional financial systems tend to overlook. 58% of U.S. gig workers operate on at least two platforms at once. What keeps them engaged with any one service over time is whether that platform plays a role in their financial betterment.
What the Data Shows
Among gig workers on Kikoff who started with a credit score below 550, the average score increase is 44.5 points. That kind of score raise has real consequences, it's often qualifying for vehicle financing or securing housing which are not abstract benefits. For someone whose livelihood depends on keeping a car on the road, reliable credit improvement is a critical material outcome.
The Retention Signal
An internal study found that Gig workers stay on Kikoff at a 68% higher rate than non-gig workers. This suggests that gig workers, despite unpredictable income, are more motivated to stay consistent with a credit-building product. They have practical, near-term reasons to improve their credit. Kikoff fits directly into those goals in a way it may not for someone with a stable paycheck and existing credit options.
For a platform evaluating a financial benefit to offer workers, this matters. It means gig workers are not a hard audience to serve. They are an engaged one.
What this Means for Partners
The Kikoff credit account can be offered as an embedded benefit through a platform partnership. Workers receive access as a perk. Platforms gain a differentiated, tangible financial wellness offering. The infrastructure already exists, and the outcomes are already documented.
For benefit providers supporting gig workers across multiple platforms, Kikoff offers a single integration serving a population with a proven, unmet need. Financially stressed employees are twice as likely to seek new employment — from Modern Health's workforce survey. Clean, punchy, sourced.. Credit building is a low-cost, high-impact way to address this issue.
The worker demand is already there. 31,900 people demonstrated it on their own. The opportunity is to put the full suite of benefits in front of the full workforce, not just the ones who happened upon it themselves.
