Frequently Asked Questions

The FICA Tip Credit is a federal IRS program that allows eligible businesses — like restaurants and hospitality groups — to reclaim the employer-paid portion of Social Security and Medicare taxes on reported tips. If your employees report tips and you’ve paid FICA taxes on them, you may qualify.

Yes. Rubix is designed to support multilocation businesses and franchises. Our platform sets up entity-specific treasury accounts, automates refund routing and ensures compliance for each business unit — so you can manage all locations in one centralized system.

Rubix sets up dual treasury accounts — one for owners, one for the business — to receive and sweep IRS refunds. We automate every step, including identity verification, fee deductions and payout disbursement, ensuring your small business receives what it’s owed — compliantly and quickly.

Traditional banks aren’t structured to support IRS refund flows or treasury-level compliance. Rubix provides IRS-ready treasury infrastructure, real-time payout automation, partner fee handling and built-in audit logging.

Yes. Rubix is built for advisors and professionals who manage tax credit claims and disbursements for multiple businesses. Our infrastructure supports client-specific treasury setup, refund logic and documentation — removing manual steps from your workflow.

Platforms like Gig, Buoy and Anchor Tax use Rubix behind the scenes to handle secure, compliant treasury operations. If Rubix appears on your refund or payout documents, it means your funds are being processed and disbursed through our audit-ready system.

Once your account is set up and verified, Rubix tracks every step of the process — from IRS receipt to partner fee deduction to disbursement. You’ll have access to payout tracking, receipts and full documentation.

Yes. Rubix is compliant with KYC, KYB, AML, OFAC and PCI standards. Every identity, account, and transaction is encrypted and monitored for fraud prevention.

We only collect the minimum data required to process your refund and meet legal requirements. Your information is never sold or shared beyond what's necessary for compliance.

Rubix maintains structured audit logs and payout records from the start. If you are audited, your refund flow is already documented, verified and accessible.

You can begin by completing a short onboarding form. Once submitted, Rubix sets up your treasury accounts, verifies your identity and begins tracking your refund or payout.

Rubix works with businesses, advisors and users routed from partner platforms. If you’re receiving a tax refund or payout and see Rubix listed, you’re likely already connected.

Fees are determined by our partners (e.g., Anchor, Gig) and are automatically deducted during the disbursement process. Rubix never charges you directly outside of your platform's agreement.

In most cases, no. If you're routed from a trusted partner like Anchor Tax or GigWorker Solutions, your Rubix treasury account is created and managed in the background. You'll only hear from us when there’s a need to verify or track your funds.

Rubix is purpose-built for IRS refund disbursement, treasury automation and secure partner payouts. Unlike traditional banks or generic processors, Rubix offers FDIC-backed treasury accounts, full KYC/KYB compliance and audit-ready workflows tailored for platforms that manage tax refunds, credits and commissions.

Rubix supports businesses claiming IRS credits, tax professionals handling disbursements, gig workers receiving platform payouts and disaster relief recipients. If you're working with a Rubix-integrated platform, we’re already helping your funds move faster, safer and smarter.

Banks and payroll systems aren’t built to handle IRS refund routing, KYC logic or fee reconciliation at scale. Rubix is infrastructure-first—designed to automate financial flows, maintain audit logs and ensure compliance across every transaction.

Platforms like Gig, Anchor Tax and Buoy rely on Rubix to manage the backend flow of funds. Rubix handles treasury logic, refund processing and fee routing, so your platform can focus on your tax or payroll experience.

Not always. If you’re routed from a partner platform, your Rubix accounts may be created automatically as part of the setup process. You’ll receive confirmation and tracking access if needed.