Clear answers about how Stevera works.

Stevera OS is a single operating system for the financial and compliance side of college athletics — covering both institutional revenue-share administration and third-party NIL activity.

It coordinates revenue-share administration, third-party NIL disclosure and review, contracts, tax-document readiness, and reporting inside one institutional record — with a connected, permission-bounded experience for athletes on the other side of that same record.

Stevera is built for the people working from the same underlying institutional record.

No. Stevera OS is not a bank and does not replace a university's existing banking relationships.

Stevera coordinates institutional decisions, documentation, and approvals, and produces a structured payment instruction file. A banking partner performs the regulated account, payment, and settlement functions.

No. Stevera OS does not custody or transmit funds.

It generates structured payment instructions and maintains the institutional record of approvals behind them. Execution and settlement take place within a banking partner's own regulated systems — live, connected banking-partner execution is in collaborative development.

No. Stevera OS does not perform payroll processing or employer tax withholding.

It coordinates revenue-share and NIL-related payment workflows, documentation, and reporting — a distinct function from a university's payroll system for its employees.

Yes. Stevera OS includes internal tools designed to support institutions working toward evolving compliance and reporting expectations tied to the House settlement framework — including associated-deal threshold review, disclosure intake, and CAPS-related reporting exports.

These are readiness-support tools, not a certification — using Stevera does not itself constitute regulatory compliance.

No. Stevera OS does not guarantee compliance approval, clearance, or certification from any conference, the College Sports Commission, or any other governing body.

It is designed to support an institution's own compliance processes and judgment, not to replace them.

Stevera OS includes an internal NIL Go submission-preparation workflow — structuring disclosure and deal information, routing it for institutional review, and tracking status through submission preparation.

This internal workflow is distinct from a live, connected integration with NIL Go's own systems, which is not yet in place.

Not currently. Stevera's disclosure, associated-deal, and reporting tools operate as an internal institutional workflow today.

Live, direct connectivity to NIL Go or CSC systems is not currently represented as available, and is not implied anywhere on this site unless specifically stated.

If and when a live integration with an external clearinghouse such as NIL Go is verified and enabled, submissions prepared in Stevera would be designed to transmit directly rather than requiring a separate manual step.

This is a future-facing, integration-dependent capability. It is not available today and is not represented as current functionality.

Athletes use a dedicated application scoped entirely to their own activity.

No. A preferred banking partner may be featured during athlete onboarding, but an athlete may instead designate another eligible account to receive approved payments. Core access to Stevera is not conditioned on choosing the preferred institution.

The athlete may use another eligible account as the payout destination. Stevera can continue to display payment activity recorded in the platform, pending distributions, payment status, tax documents, and informational tax-reserve estimates.

Balance visibility, external transaction information, and optional bank-powered savings or sweep features may only be available through participating banking partners.

University staff see operational and compliance information — never an athlete's private financial details.

No. The optional tax-reserve estimate is an informational planning figure, not financial or tax advice.

It is not a guaranteed amount and does not replace a licensed tax professional. See the tax-planning questions below for more detail.

Every capability described on this site is labeled with one of three statuses, so claims stay grounded in what actually exists today.

Stevera OS is designed around role-based access and least-privilege principles, so each role — university staff, athletes, agents — sees only what its role requires.

Production deployments are configured to use HTTPS/TLS for data in transit, and compliance and financial workflows keep structured audit logs. Security certifications such as SOC 2 are on the roadmap and are not represented as complete.

Most institutions start with a demonstration — a walkthrough of the operating model, the university portal, the athlete application, current readiness status, and the banking-partner handoff.

From there, we discuss institutional priorities and what a founding design partnership could look like.

Stevera is not currently affiliated with, endorsed by, or integrated with any specific athletic conference, the NCAA, the College Sports Commission, or NIL Go.

Stevera OS is designed to support institutions operating within these evolving frameworks — any future integration or partnership would be represented on this site only once verified.

Yes. In the working prototype, compliance and finance staff can generate 1099-NEC documents in bulk from an institution's actual recorded revenue-share and reportable third-party NIL activity, and athletes can access their own documents as they become available.

These documents are currently produced as illustrative, readiness-stage records for demonstration purposes and are not yet certified for IRS filing.

Stevera can organize institution-recorded payment activity, year-end totals, supporting records, review status, and tax-document delivery in one coordinated workflow — so university finance and tax teams do not have to reconstruct the process from spreadsheets and disconnected systems each year. In the working prototype today, compliance and finance staff can already generate and track 1099-NEC documents in bulk across the roster.

The institution remains responsible for payer identity, tax classification, institutional approval, filing obligations, and confirming reporting accuracy with its own tax and accounting professionals.

Athletes view and download their own tax documents — including 1099-NEC records as they become available — directly in the athlete application, alongside their agreements and payment history.

Once a finalized institution-approved tax document is issued, it can become automatically available in the athlete application after institutional issuance, with a notification that it is ready — that automatic-availability and notification workflow is in collaborative development.

No. Stevera does not calculate an athlete's actual tax liability.

The optional tax-reserve estimate uses a simplified planning calculation meant to give a rough sense of a portion an athlete may want to set aside. It is not an exact federal or state tax calculation, does not reflect an athlete's full financial picture, and is not a substitute for a licensed tax professional.

The working prototype calculates an estimated planning amount from payment activity recorded in Stevera and displays it as a separate, clearly labeled tax-reserve estimate alongside recorded payments and pending distributions — available regardless of the athlete's receiving bank.

The estimate is informational and is designed to support personal tax planning — it is not a guaranteed amount and not a determination of what an athlete will actually owe.

No. The informational estimate can be based on payment activity recorded in Stevera regardless of the athlete's receiving account. It does not move money, verify savings, constitute withholding, or provide tax advice. An athlete using another bank may manually set aside the suggested amount.

Not by default. The informational tax-reserve estimate does not move money. Where available through a participating preferred banking partner, an athlete may separately opt in and authorize an automatic sweep into a bank-held tax-reserve or savings account. The banking partner holds and services the account, and the funds remain owned or beneficially owned by the athlete. This optional feature is partner- and deployment-dependent; it is not Stevera custody, tax withholding, tax advice, or an automatic payment to a tax authority.

An athlete using another payout account can still receive the informational estimate but would manually set aside the suggested amount.

The optional tax-reserve estimate and on-demand access to tax documents are designed to help athletes think ahead about tax season rather than being caught off guard.

Actual tax determinations, filings, and payments remain the athlete's own responsibility, in consultation with a tax professional.

No. Stevera supports 1099 generation and revenue-share tax-document workflows, but it does not replace a university's own tax, accounting, or legal professionals.

Institutions remain responsible for their own tax reporting and compliance decisions.

No. Tax documents and the optional tax-reserve estimate are tools meant to support an athlete's own tax preparation.

They do not replace a licensed tax professional, and Stevera does not prepare or file an athlete's personal tax return.

No. An athlete-authorized sweep into a bank-held tax-reserve or savings account would be a voluntary savings feature—not employer withholding and not a payment to a tax authority. The participating banking partner would hold and service the account, and the funds would remain owned or beneficially owned by the athlete. This capability is partner- and deployment-dependent and is in collaborative development. The informational tax-reserve estimate is separate and does not move money.

The Wealth Hub is a financial-education and planning space inside the athlete application.

No. The Wealth Hub does not manage investments, execute trades, or provide investment advice, and Stevera does not act as a registered investment adviser.

It offers financial-education and planning content and tools — not a brokerage or investment product.

No. The Wealth Hub is educational and planning-oriented.

It does not open, hold, or manage a retirement account, brokerage account, or investment portfolio on an athlete's behalf.