Morado is an IRS-listed Transmitter A2A filing 1099, 1042-S, and 1098-T directly to the IRS through IRIS and MeF. Built for universities with foreign students, decentralized data, and federal grant scrutiny.

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Trust strip

Direct A2A	1042-S MeF	6	0 row data
IRS-listed Transmitter	Direct connectivity for foreign-payee filings	Audit artifacts retained per batch	Sent to LLMs in single-form-type batches

Higher-education-specific filing challenges

1042-S volume from foreign students, scholars, and researchers. A research university with thousands of foreign nationals on visas (F-1, J-1, H-1B) owes 1042-S on every taxable scholarship, fellowship, stipend, honorarium, and royalty payment. The schema is more complex than 1099. Tax treaty articles, withholding rates, country codes, beneficial owner classifications. One miscategorized treaty position cascades into IRS notices and student-side tax confusion.

1098-T at enrollment scale. Every student enrolled at least half-time gets a 1098-T. A 30,000-student university produces 30,000 1098-Ts every January. The 1098-T schema layers in scholarships and grants, qualified tuition expenses, and adjustments, and it interacts with the student's American Opportunity or Lifetime Learning Credit on their personal return. Errors land in students' inboxes and registrar's office voicemails.

Decentralized data. Tuition data lives in the bursar's office. Foreign-payee data lives in the international tax office. Vendor payments live in accounts payable. Stipends live in the graduate school. Scholarships live in financial aid. Pulling clean data into one filing pipeline is the bigger half of the job; the IRS transmission is the smaller half.

Federal grant scrutiny. Universities that take federal grants are on the hook for grant-specific 1099 reporting (often 1099-NEC for sub-awardees, 1099-G when re-granting). The audit trail has to satisfy the IRS, the university auditor, the OMB Uniform Guidance reviewer, and the granting agency.

How Morado solves it

Direct IRIS A2A and MeF connectivity

Morado is on the IRS list as a Transmitter A2A for IRIS (1099, W-2G, soon 1098 series) and files 1042-S directly through MeF. No reseller arrangements. No vendor in the middle of your foreign-payee filings.

Pre-flight validation tuned for higher-ed data

Morado's validator handles the data-quality hazards endemic to university filings: international name conventions (Hispanic two-part, East Asian family-name-first, Arabic patronymics), foreign address routing (USAddressGrp vs. ForeignAddressGrp), tax treaty article validation, country code formats, ITIN-vs-SSN handling, scholarship-vs-stipend categorization. Issues surface as a CSV the tax operations or international tax office can open in Excel.

Decentralized data, unified pipeline

Ingest XLSX, CSV, or PDF from the bursar, the international tax office, AP, the grad school, and financial aid. Separately or combined. Header categorization is interactive: each upload's columns map to canonical fields, with heuristic auto-suggestions catching >90% of headers and the operator confirming or overriding the rest.

Six-artifact audit trail per batch

Original source data, canonical JSON, payer config, transmitted XML, IRS submission acknowledgment, IRS status response. Retained at a stable, addressable path. Ready for IRS examination, university auditor review, OMB Uniform Guidance, and granting-agency reporting.

PII separation by design

Single-form-type batches bypass LLM inference entirely. Row data stays in your session. Storage is per-project, per-user. Logs and metrics scrubbed at the boundary. Designed for FERPA-grade student data and ITAR-adjacent research-payee data.

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 PDFs delivered through a secure cloud portal. The same engineering supports university 1042-S, 1098-T, and 1099 volume.

Read the full case study →

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

Who Morado works for

Research universities with significant 1042-S volume from foreign students, postdocs, and visiting scholars
Public universities filing 1098-T at enrollment scale and 1099-NEC for vendors
Private colleges with mixed 1099, 1098-T, and 1042-S obligations
Tribal colleges and HBCUs/MSIs with grant-specific reporting requirements
Community colleges filing 1098-T and vendor 1099s on tighter budgets
University foundations and endowments filing 1099-DIV, 1099-INT, and 1099-S

How it works

Upload data from any source. Bursar, international tax, AP, grad school, financial aid, separately or combined. XLSX, CSV, or PDF.
Confirm header categorization. Heuristic auto-suggestions catch >90%; you confirm or override.
Review the pre-flight validation report. International name parsing, treaty article validation, foreign address routing, all surfaced as a CSV.
Run an ATS or MeF test. End-to-end through the appropriate IRS test environment.
Move to production. One pipeline, multiple form families, single environment switch.

See Morado against your 1042-S or 1098-T volume

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

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Frequently asked questions

Does Morado handle 1042-S directly? Yes. Morado files 1042-S directly through IRS MeF, not IRIS, since IRIS does not yet accept 1042. When the IRS migrates 1042 to IRIS (on the roadmap), Morado switches the pipeline; the operator side is unchanged.

Does Morado handle 1098-T at scale? Yes. The 1098-T schema is supported through IRIS A2A. Morado validates qualified tuition amounts, scholarship/grant offsets, and adjustment columns pre-transmission.

Can Morado handle international name conventions? Yes. Morado's name parser handles Hispanic two-part names with double-space delimiters, East Asian family-name-first conventions, Arabic patronymics, and the IRS-required separation of PersonFirstNm / PersonMiddleNm / PersonLastNm / SuffixNm. Multi-word names that legacy validators concatenate or truncate are correctly split.

How does Morado handle tax treaty positions on 1042-S? Morado validates treaty article references, withholding rate codes, beneficial owner classification, and country codes against the current IRS treaty matrix. Misalignments surface as pre-flight findings before transmission.

What about FERPA on student data? Single-form-type batches bypass LLM inference entirely. Row data stays in your session. Storage is per-project, per-user. Database-layer row-level security. Logs scrubbed at the boundary. The architecture is consistent with FERPA's data-handling expectations.

Can Morado support our endowment or foundation 1099 filings? Yes. The full 1099 series is supported, including 1099-DIV, 1099-INT, 1099-S, and 1099-MISC for endowment activity.

What's the FIRE-to-IRIS transition mean for our university? FIRE retires December 31, 2026. Tax year 2026 returns must be filed through IRIS. Morado already files exclusively through IRIS for the 1099 series and 1098-T. Read the full transition guide →