Integration with ADP
Stream integrates with ADP® to seamlessly share payroll data and offer a secure and transparent earned wage access solution.
Learn more about our data connectors:
- ADP Workforce Now®
- ADP Workforce
Now® Next Generation
- ADP Vantage HCM®
- ADP Lyric
- RUN Powered by ADP®
- ADP Enterprise HR®
Commitment to Responsible AI
Together with ADP Marketplace, our company is committed to the responsible use of AI. When incorporating AI into our product(s), we have agreed to comply with ADP Marketplace’s AI principles focused on human oversight, monitoring, privacy, explainability, transparency, and mitigating bias. Learn more here.
How we use AI
- Stream’s Coach product is an AI-driven chat interface with a nudge framework as its core components. Coach leverages user data from connected products (Budget, Savings, etc.), employee input, and employer-provided information to offer personalized assistance, answer questions, and suggest relevant features at opportune times. It is a primary jumping-off point for other products.
Utilizing the data inputs listed above, the model will link a user’s spending to their earning and make a relevant nudge based on this information. For instance, a nudge could make sure a user is aware of multiple subscriptions or an upcoming bill payment.
With Coach, members can access practical steps, education, and support to improve their financial health. With prompts on ways to save money based on their spending, sharing benefits they're entitled to, or answering all their money queries via a chat, Coach provides fully tailored financial support.
For example, with Coach, members can get their financial health score and understand how to improve it. Coach sends prompts to reduce spending, build money skills with articles and webinars, and even build a curated financial resilience plan.
If you have questions about how Stream uses AI, please contact us.
The AI is solely focused on the specific information provided and does not make claims on what a user should or should not do. Its goal is to provide actions users can make within the app, as opposed to wider claims about their financial life. Coach does not use or consider personal identifiers such as gender, age, race, ethnicity, address, or any other protected demographic information.
Coach is regularly monitored and tested by our team of engineers, with the underlying model being Gemini-powered, so all testing conducted on Gemini flows through to the coach product. That being said, data provided by Coach is not used as testing data for the wider Gemini product.
Earned Wage Access
Let your teams take some of their earnings when they need to, any day of the week, with Stream’s Pay tool, also known as earned wage access. Pay gives people a fairer choice.
How our Pay tool helps:
- Increase productivity and boost your employer brand: Pay is proven to reduce stress and lead to stronger money management. And members are more likely to take extra shifts when they know they can get paid for them straight away, which can help increase productivity, reduce absenteeism and boost overall job satisfaction. This will help you attract and keep the best people and save on recruitment and onboarding costs.
- We integrate easily with your systems: We can integrate with any payroll or time system for a quick and easy setup, leaving zero admin for you.
- Give your team control and peace of mind: Members can access up to 50% of their earned wages. As it’s not a loan, there’s no interest. We just charge a small fee, making it a much more affordable choice.
Shift and Pay Tracking
Provide better financial visibility. 1 in 5 American workers can’t stop thinking about their money.* The Stream platform lets members track all of their shifts — past, current and future — and the pay from each one. They can see how much early pay they can access and what they’ve already taken. Then get simple statements that sum it all up. With a clearer picture of their hours and earnings, they’ll have more headspace to concentrate at work.
Benefits
- Track shows members how much of their earnings they can take at any given moment, helping them manage their finances better.
- Track improves employees’ financial wellbeing, which can help reduce absenteeism and boost productivity.
- Your teams can easily see what they’ve earned to date — and what they’ll earn from future shifts.
- *Data compiled from 2025 State of Financial Wellbeing: US Workforce Research Report, which surveyed 5,000 employees and 513 employers across the United States to better understand their perspectives on financial wellbeing.
High Yield Savings Account
Make savings easy for your teams. With an industry-leading 5.13% APY savings account, members can not only put money away but also watch their money grow. And they can save straight from their wages. Savings is also shown to increase employee engagement and productivity — so everyone benefits.
Benefits
- Employers who help their employees save can see big benefits, including a significant increase in employee engagement. Which means fewer days off, more shifts taken and a lower turnover.
- By showing interest daily, we give members a reason to feel good about earning and saving. Employees who use Savings say they feel proud and report improved wellbeing.
- Stream Platforms, Inc. is a financial technology company, not a bank. Banking Services associated with Stream’s Save product are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category in the event of a bank failure. Annual Percentage Yield (“APY”) refers to the total amount of interest you can earn. APY of 5.13% is accurate as of October 2, 2025, is variable, and may be subject to change after the account is opened. The minimum amount to open an account and earn the APY is $5.00.
Budgeting Tool
Take the guesswork out of budgeting with our Budget tool. Track upcoming bills and spending all in one place. People can link Budget with their bank account to easily track their spending alongside their earnings. They can get reminders for bills and alerts for unused subscriptions they could cancel.
Certified B Corp
As a Certified B Corp, we measure financial wellbeing and report on our impact, and help employers understand theirs. We want to improve the lives of workers by helping them build better financial resilience. But we also want to improve your bottom line. Financial wellbeing is proven to reduce stress, which in turn improves engagement at work — which means less absenteeism, lower employee turnover, and more shifts filled. We’re accountable to (and guided by) our Impact Advisory Board, which is made up of experts from think tanks, academia and social impact investors. Give your people a research-backed toolkit to help improve their financial health in the short, mid and long term. All in one place.
Financial Education & Coaching
Designed to fit into busy lives, and tailored to each person’s needs and learning style, our interactive platform gives workers on-the-go tools to improve their financial wellbeing.
Financial Education
- Our Education tool encourages members to set real financial goals, and checks in with them every month to see how they’re doing. More accountability means more money saved. And a measurable boost to your team’s financial wellbeing.
- Get bite-sized lessons, monthly check-ins, resources and tools to help every member make the most of their money
Financial Coaching
- With Coach, people can get their financial health score and understand how to improve it. Coach sends prompts to reduce spending and save money, based on their earnings and spending. Like discounts for their regular shop and benefits they’re entitled to. And they can build their money skills with our newsletters, webinars and articles. Or ask Coach to build them a curated plan.
- Financial coaching and reward recommendations — all based on members’ activity
Tax Optimization Tool
Come April, most workers on a variable or low income will get a tax refund. But what if they could access that money during the tax year, to help them pay off debt, boost their savings or deal with unexpected costs? Stream helps workers do just that by letting them adjust their W-4 contributions on their paycheck from month to month. With our tax tool, members can optimize their W4 contributions and keep track of what tax they owe and any refunds they’re due.
Credit score coaching
With Score, members can get detailed credit reports from TransUnion, Experian, and Equifax, track their credit score 24/7, and understand how to improve it with help from our AI coach. All on the Stream platform. They can earn achievements for building healthy financial habits, like saving and budgeting. And they’ll get alerts when there’s a financial issue on the horizon.
Rewards
Members can access exclusive discounts on things they actually need. From reducing daily costs to saving on big-ticket items, Rewards give your workers something back that has real value, and gives you a less distracted, more productive workforce. Members can search for their favorite brands. Rewards links to Budget and suggests savings based on members’ spending habits. They get to live their lives for less, with money off brands they already love. And you get a team that’s less financially stressed and more productive.
