CreatorFi

CreatorFi is a fintech platform developed by Insomnia Labs that provides financing to digital creators by transforming their media revenue into credit-ready assets. Founded in 2025 by Billy Huang, Jack Cameron, and Samuel Ko, the company aims to bridge the gap between traditional finance and the creator economy. The founders' background includes building large-scale data and loyalty systems for major brands like Coca-Cola and Under Armour, an expertise that now powers CreatorFi's AI-driven underwriting engine.

The platform addresses a critical challenge for creators, such as YouTubers, musicians, and game developers, who often struggle to secure funding from traditional banks that do not know how to underwrite digital revenue streams. CreatorFi offers non-dilutive capital, allowing creators to receive advances on future earnings without giving up equity or ownership of their intellectual property. The business model is centered on providing risk-adjusted, pre-qualified financing by analyzing creators' historical earnings and performance data. The company serves a range of clients, from individual artists and YouTubers to larger entities like Multi-Channel Networks (MCNs), music labels, and gaming studios.

CreatorFi operates using a blockchain-based infrastructure, primarily on the Aptos blockchain, and utilizes stablecoins like USDC for loan disbursements and repayments. This approach enables faster, more transparent, and lower-cost global access to capital. The platform's machine learning models evaluate data to generate risk-adjusted financing offers, and its integration with creator platforms allows for streamlined repayments. In November 2025, CreatorFi announced a strategic partnership with Aptos Foundation and Aptos Labs, securing $2 million in strategic funding to accelerate its growth. The company has also secured a significant credit line to facilitate its lending operations.

Keywords: creator economy financing, fintech IP platform, digital media revenue, stablecoin lending, creator credit, non-dilutive capital, YouTube financing, music royalties, gaming studio funding, blockchain finance, AI underwriting, Insomnia Labs, Aptos blockchain, digital asset lending, creator growth capital, Jack Cameron, Billy Huang, IP monetization, content creator loans, receivables-based lending