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Benefits

RETIREMENT,
NOT A PENSION.

Being built

GRAJ runs no pension and nothing accrues to you here. This page is about the gap independent participants face, and what a protocol could honestly do about it.

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Benefits

RETIREMENT
FOR INDEPENDENT PARTICIPANTS.

Independent sellers, merchandisers, drivers and makers do the same work as employees and get none of the structure around it. No pension contribution, no employer match, no automatic anything — and the gap compounds silently over a working life.

What to know
The structural gap
Employment carries retirement saving by default; independent work carries it only if the individual sets it up and keeps it up through irregular income. The default is doing nothing, and doing nothing for thirty years is the whole problem.
Irregular income is the hard part
A fixed monthly contribution assumes a fixed monthly income. Independent earnings arrive unevenly, which is why a percentage of each payment is a far better fit than a schedule that has to be suspended every slow month.
What a platform could plausibly do
It already computes and pays out earnings. Contributing a chosen share of each payout at the moment of payout is the mechanism that fits irregular income — money set aside before it is spent rather than after.
Status, and the limits
Designed, not built. Retirement products are regulated in every jurisdiction and GRAJ is neither a provider nor an adviser. The realistic role is directing a share of a payout into a participant's own arrangement, and nothing here should be read as an offer or as advice.
Where to go next
WHAT INDEPENDENT WORK DOES NOT COME WITH.
Independent participants do the same work as employees and get none of the structure around it: no health cover, no retirement contribution, no income protection when a month goes badly.
Read it
PAYING PEOPLE WHO WORK FOR YOU.
A participant who grows starts paying other people, and payroll is where a small business first meets serious compliance: withholding, filings, classification and deadlines that carry penalties.
Read it
SELLER
In your account — sign in and it opens on your own figures.
Open
GRAJ

READY TO
RUN YOUR GAME ON GRAJ.

Free to join. Participants keep 95% of every transaction; GRAJ takes 5%. Built for 195 countries — payments live in the United States.

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