Why you should listen

CreatorFi is a financing platform developed by the team behind Insomnia Labs, designed to provide working capital to digital creators across categories such as YouTube, music, and user-generated gaming platforms like Roblox. The product emerged after multi-channel networks and creator organizations—including Yoola, which represents around 3,000 creators—approached Insomnia seeking a more efficient way to lend against creators’ digital earnings. CreatorFi underwrites assets such as YouTube channels, music catalogs, and in-game item sales, determining how much a creator earns and how much can be advanced to them.

The platform uses machine-learning models to evaluate creator data, behavioral patterns, and catalog performance to generate risk-adjusted financing offers. Because digital earnings can be redirected at the platform level, CreatorFi operates as a receivables-based lender—allowing repayments to occur in real time and reducing risk for liquidity providers. Underwriting challenges vary by vertical: YouTube and Roblox offer relatively clean data streams, while music earnings require additional normalization due to fragmented reporting systems.

CreatorFi issues advances and repayments primarily in USDC ($1.00) and operates on Aptos, selected for its native USDC support, low transaction fees, and robust on-/off-ramp payment infrastructure. This stablecoin-based system enables faster, lower-cost global payments, particularly benefiting creators in regions where FX conversion fees can exceed 70%. CreatorFi has active partnerships with YouTube networks, music distributors, and Roblox studios, and the company is expanding its origination capacity following a newly announced $2 million strategic partnership with Aptos, with additional creator-focused partnerships planned.

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