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About CreatorFi
CreatorFi, built by Insomnia Labs, provides stablecoin credit secured against digital IP cash flow. Underwriting uses machine learning models that read a creator's revenue history, behavioural data and catalogue performance to set a risk-adjusted limit. Advances and repayments settle entirely in USDC, on Aptos, with Circle's CCTP and fiat on and off ramps wired in to remove the FX and settlement drag that eats into cross-border creators' earnings.
Risk control does not rely on onchain collateral but on intercepting the revenue stream. The platform connects to YouTube multi-channel networks, music distributors, and Roblox and Fortnite studios, and deducts repayment at the settlement layer, so borrowers give up neither equity nor IP ownership. Eligible cash flows include YouTube AdSense, Spotify royalties, TikTok Shop sales and in-game purchases across four verticals: gaming, music, content creators and live experiences. YouTube and Roblox data are comparatively clean, while music earnings must be normalised across fragmented platform reporting before modelling. Individual facilities run from about $500,000 to $5 million, with a $5 million ceiling for gaming studios.
CreatorFi announced on 2 September 2026 a USD 45 million combined equity and debt financing, with equity led by EV3 and joined by Uncorrelated Ventures, Protagonist and angels from State Street and J.P. Morgan, debt led by VerisFi Capital, plus up to USD 100 million of additional capacity.
CreatorFi's individual advances range from USD 500,000 to USD 5 million and are repaid from recurring creator revenue on Roblox, Spotify, YouTube and TikTok; the partner network exceeds 30 firms, including CAA Gaming, IP Ventures and Yoola, and backed projects include Mythical Games and the label Coasthill IV.
Per CreatorFi's public statements, the new capital will fund acquisitions of proven IP, new IP development and user acquisition, with the aim of institutionalising IP and royalty-backed cash flows as a credit asset class.
Billy Huang — Co-founder & CEO; leads IP-backed lending against creators' platform revenue.
Jack Cameron — Co-founder, Chief Business Officer & Chief Growth Officer; oversees business development and growth.
Samuel Ko — Co-founder & CMO; leads brand and marketing.