Morado is an IRS-listed Transmitter A2A filing 1099-INT, 1099-DIV, 1099-R, 1099-C, 5498, and the rest of the 1099 series directly to the IRS through IRIS. Built for credit unions that take member data seriously.

Book a Call → See how Morado handles 94,000-record volume →

Trust strip

Direct A2A	100+	6	0 row data
IRS-listed Transmitter	Pre-flight issue classes auto-detected	Audit artifacts retained per batch	Sent to LLMs in single-form-type batches

Credit-union-specific 1099 challenges

Member-data sensitivity. Every 1099-INT you file is a member SSN, member balance, and member interest income, leaving your environment, transiting to the IRS, and ending up in a vendor's storage. NCUA examiners care how that pipeline is built. So do your members. A vendor that sends row data to LLMs for "auto-classification" is exfiltrating SSNs to a model provider, and your members are owners, not customers.

Volume that scales with membership. A credit union with 50,000 members files 30,000+ 1099-INTs every January. A multi-billion-dollar CU files 100,000+. Every share account, every certificate, every IRA. Add 1099-DIV on share dividends, 1099-R on retirement distributions, 1099-C on cancelled debt, 5498 on IRA contributions, and you're in volume territory where spreadsheets and CPAs stop working.

State filing complexity. Most states still accept Publication 1220 format for state-level information return filings, while the IRS is mandating IRIS XML. If your members live in 30 states, you need both formats. Combined Federal/State Filing helps with some, but not all.

The schema is unforgiving. SSN formatting. Address character classes. Dollar amount precision. Optional groups that must be omitted, not stubbed. Every legacy filing tool gets at least one of these wrong at scale.

How Morado solves it

Direct IRS submission as a transmitter, no reseller in the middle

Morado is on the IRS list as a Transmitter A2A. Submissions go directly from Morado to api.www4.irs.gov over mTLS. No queue behind another vendor, no third-hand incident response. When IRIS has an issue, Morado knows, and so does your tax operations team.

PII separation by design

Single-form-type batches (1099-INT-only, 1099-R-only, etc.) bypass LLM inference entirely. Header names, not row data, go through deterministic heuristics. Row data does not leave your session. Storage is per-project, per-user, with Postgres row-level security enforced at the database layer. Logs and observability are scrubbed at the boundary. Designed for the level of data sensitivity NCUA examiners and your members expect.

Pre-flight validation against the IRS schema and business rules

Morado validates your 1099 spreadsheets before transmission against every IRS schema rule (SSN length, address character class, ZIP code format) and business rule (FS1H001 RecipientAccountNum uniqueness, SHAREDIRFORM014 TIN/name matching, TMFST002_001 transmitter-vs-issuer separation). Issues surface as a CSV your tax operations team can open in Excel. No record reaches IRIS without being triaged first.

State filing pass-through

Pub 1220 alongside IRIS. Morado generates state filings in the format each state requires, including Combined Federal/State Filing where applicable. Multi-state credit unions don't have to maintain two pipelines: one upload, both formats.

Six-artifact audit trail per batch

Original XLSX, canonical JSON, payer config, transmitted XML, IRS submission acknowledgment, IRS status response. Retained at a stable path. NCUA exam ready, IRS exam ready, member dispute ready.

Proof: how Morado handles volume

Morado has filed 94,000+ information returns in production for a single tax year, with a 0% IRS rejection rate and ~188,000 winner and payer PDFs delivered through a secure cloud portal. The same pipeline, validation discipline, and audit trail apply to your 1099-INT volume.

Read the full case study →

(Different industry, same engineering. Volume and rigor translate.)

Who Morado works for

Community credit unions filing thousands of 1099-INTs annually
Multi-state credit unions managing federal IRIS plus state-by-state Pub 1220 filings
Credit unions with retirement programs filing 1099-R alongside 5498
Larger credit unions with mixed obligations across the 1099 series
CUSOs and credit union service organizations filing 1099-NEC and 1099-MISC for vendors and contractors

How it works

Upload your data. Member statements, vendor payments, retirement distributions. XLSX, CSV, or PDF.
Confirm header categorization. Heuristic auto-suggestions catch >90% of headers; you confirm or override.
Review the pre-flight validation report. Every issue Morado would catch, fixable before transmission.
Run an ATS test. End-to-end through the IRS test environment.
Move to production. Same pipeline, single environment-variable switch.

See Morado against your 1099-INT volume

A 30-minute demo with a Morado engineer. Walk through the pipeline against a sample of your real member data, anonymized if you prefer.

Book a Call →

Frequently asked questions

Is Morado built for credit-union-grade data sensitivity? Yes. Single-form-type batches bypass LLM inference entirely. Row data stays in your session. Storage is per-project, per-user. Postgres row-level security enforced at the database layer. Logs scrubbed at the boundary. Designed for NCUA-grade scrutiny.

Does Morado handle 5498 alongside 1099-R for our IRA program? Yes. The full 1099 series and 5498 are supported through IRIS A2A.

What about state filing? Most states still accept Publication 1220 format alongside IRIS. Morado generates state filings in the format each state requires, including Combined Federal/State Filing where applicable.

Can we still use our core processor's data export? Yes. Morado ingests XLSX, CSV, and PDFs from any source: Symitar, Corelation, Fiserv, Jack Henry, FIS, custom data warehouses. Header categorization is interactive, so non-standard exports work fine.

How does Morado handle 1099-C for cancellation of debt? Same pipeline. The IRIS schema for 1099-C has its own required fields (debt amount, identifiable event date, debt description); Morado validates these pre-transmission.

What about 1098 (mortgage interest) for credit unions with mortgage portfolios? 1098 is on the IRS roadmap for IRIS. Until it's added, Morado files 1098 through Pub 1220. When IRIS adds 1098, Morado switches the pipeline; the operator side is unchanged.

What's the FIRE-to-IRIS transition mean for our credit union? FIRE retires December 31, 2026. Tax year 2026 returns must be filed through IRIS. Morado already files exclusively through IRIS for the supported 1099 series. Read the full transition guide →