Insomnia Labs launches CreatorFi with $12M to offer stablecoin credit to digital creators

Insomnia Labs is betting big on the creator economy—and it’s putting blockchain to work to fix one of the industry’s most broken problems: access to credit.

The company just launched CreatorFi, a new platform that lets digital creators borrow against their future earnings using stablecoins. It kicks off with a $12 million credit facility backed by Kamui Finance and a handful of other real-world asset investors. The platform is built on Avalanche, a blockchain known for its speed and scalability, and aims to give creators quick, flexible advances without the usual banking roadblocks.

Insomnia Labs has already made a name for itself working with major brands like Coca-Cola, L’Oréal, Under Armour, and the International Cricket Council. With CreatorFi, it’s moving deeper into fintech, bringing its experience in tokenization into the creator space.

With $12M in Funding, Insomnia Labs Launches CreatorFi to Help Creators Borrow Against Their Future Revenue

The timing makes sense. The creator economy is expected to hit $1.5 trillion by 2034, yet most creators still can’t access traditional financial services. Banks don’t know how to underwrite digital income like YouTube ad revenue or music royalties, and when creators do find financing, it’s often through outdated or exploitative systems. Record labels and royalty firms still demand up to 80% ownership just to front some cash.

CreatorFi is meant to break that cycle. Instead of signing away their rights, creators can now get advances based on future income streams—whether it’s YouTube revenue, streaming royalties, or subscription payments. The platform uses smart underwriting tools, AI, and blockchain infrastructure to make lending faster and more transparent. It also supports both fiat and stablecoins, giving creators more control over how and where they access their funds.

“Today digital creators generate massive income through their content, yet banks still don’t know how to underwrite these modern revenue streams,” said Billy Huang, CEO of Insomnia Labs. “At Insomnia, we believe creators are building the next generation of global brands. CreatorFi gives them the financing solutions they deserve.”

The launch is already attracting some of the biggest players in the space. Yoola, one of YouTube’s largest Multi-Channel Networks, is among the first to integrate with CreatorFi. Yoola works with over 1,200 creators worldwide and has direct access to their channel earnings, making it easier to verify future revenue and disburse funds securely.

“At Yoola, we’ve always seen YouTube channels as real, valuable assets. While traditional banks remain skeptical, we recognize the long-term value in creators’ work and future earnings,” said Arseniy Dorofey, Head of Content Partnership and Business Development at Yoola. “As an official YouTube partner, we have full visibility into channel analytics and receive YouTube earnings directly before disbursing them to creators. This unique position allows us to offer a safe, transparent, and secure experience for lenders, while giving YouTubers easy access to funds, without the friction of navigating traditional banking relationships.”

The move also caught the attention of Kamui Finance, a firm focused on tokenized real-world assets. “The CreatorFi team is outstanding. They are using blockchain technology to bring winning value to all participants in the network: the creators, the platforms, and the financiers,” said Hadi Kabalan, Director at Kamui Finance. “Harnessing such innovative use of blockchain for our investors is exactly why we are focused on investing in Tokenized RWA.”

Why CreatorFi Is Different

In music, CreatorFi is teaming up with Record, a royalty infrastructure and intelligence platform. Record helps artists and rights holders manage complex revenue streams, and now—with CreatorFi—they can offer more flexible funding options without relying on legacy players.

“We’re replacing outdated systems with infrastructure built for the ever-shifting landscape of IP,” said Travis Garrett, CEO & Founder of Record Financial. “CreatorFi is a natural partner in our mission to modernize how creative IP is financed, tracked, and monetized.”

The platform is powered by Avalanche’s blockchain tech, which gives CreatorFi the scale and speed needed to support high-volume lending. According to Morgan Krupetsky, Head of Institutions & Capital Markets at Ava Labs, “CreatorFi marks a new era where creativity becomes collateral. Insomnia Labs’ innovative platform—built on Avalanche’s high-performance infrastructure—is transforming future earnings into real, scalable capital for creators, while making it operationally viable for a new class of investors to participate.”

To make sure funds move efficiently, CreatorFi uses Coinbase’s Developer Platform to manage stablecoin liquidity and disbursements. Every payout is tracked through CDP Wallets, providing clear, auditable trails. Coinbase Offramp makes it easier for creators to convert stablecoins into local currencies instantly.

“Digital creators are today’s businesses: global, always-on, and scaling fast. But the financial system hasn’t caught up,” said Dan Kim, Head of Strategy at CDP. “CreatorFi is flipping the script and, with Coinbase infrastructure behind the scenes, is turning views into secure, instant, and global real-world value. This is what the future of finance should look like.”

Insomnia Labs is starting with a $5 million bond program through Kamui Finance and plans to scale from there. As more creators join and more platforms come on board, CreatorFi is shaping up to be a serious alternative to traditional financing, without forcing creators to give up control of their work.

Insomnia Labs