Insomnia Labs, a leader in blockchain infrastructure and financial technology, has launched CreatorFi, an Avalanche-based platform offering stablecoin-based credit for digital creators. Debuting with a $12 million credit facility from Kamui Finance and other investors, CreatorFi aims to transform creator funding by providing fast, flexible advances against future earnings, integrated directly into existing creator platforms.
Insomnia Labs, known for its blockchain partnerships with major brands like Coca-Cola and L’Oréal, is now applying its tokenization expertise to the rapidly growing creator economy, projected to reach $1.49 trillion by 2034. Despite this potential, creators often face challenges accessing traditional financial services due to banks’ reluctance to underwrite digital rights and predatory terms from legacy industry players.
CreatorFi addresses this by enabling creators (YouTubers, musicians, artists, etc.) to borrow against future income, such as YouTube ad revenue or music royalties, using smart underwriting and blockchain infrastructure. The platform supports both fiat and stablecoin lending, offering low-cost, global credit access with real-time, AI-powered underwriting and embedded payments.
Early adoption highlights strong market demand. Yoola, a major YouTube Multi-Channel Network with over 1,200 global creators, is an early adopter. In the music sector, Record, a royalty infrastructure platform, is leveraging CreatorFi to provide fair financing to its enterprise clients.
Insomnia Labs has secured an initial $12 million credit facility for CreatorFi, with plans to scale. This includes a $5 million bond program for creators on Yoola’s platform with Kamui Finance. Additional backing from real-world asset investors like Intrinsic Capital sets the stage for continued growth. Built on Avalanche, the platform utilizes its secure, transparent, and scalable infrastructure for asset tokenization. CreatorFi also leverages the Coinbase Developer Platform to manage stablecoin liquidity and streamline disbursements, enabling instant conversion of stablecoin advances into local currencies via Coinbase Offramp.
KEY QUOTES:
“Today digital creators generate massive income through their content, yet banks still don’t know how to underwrite these modern revenue streams. At Insomnia, we believe creators are building the next generation of global brands. CreatorFi gives them the financing solutions they deserve.”
Billy Huang, CEO of Insomnia Labs
“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. 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. With Insomnia, we’re reshaping creator finance—unlocking growth for creators as well as new opportunities for investors.”
Arseniy Dorofey, Head of Content Partnership and Business Development at Yoola
“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. Harnessing such innovative use of blockchain for our investors is exactly why we are focused on investing in Tokenized RWA. We are proud to be able to support the deployment of CreatorFi and accompany them in their future growth.”
Hadi Kabalan, Director at Kamui Finance
“We’re replacing outdated systems with infrastructure built for the ever-shifting landscape of IP. CreatorFi is a natural partner in our mission to modernize how creative IP is financed, tracked, and monetized.”
Travis Garrett, CEO & Founder of Record Financial
“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.”
Morgan Krupetsky, Head of Institutions & Capital Markets at Ava Labs
“Digital creators are today’s businesses: global, always-on, and scaling fast. But the financial system hasn’t caught up. 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.”
Dan Kim, Head of Strategy, CDP
