ClockVest provides non‑dilutive financing to digital creators by underwriting verified revenue from platforms like AdSense, Spotify, and TikTok. An AI engine assesses income history and audience metrics, then disburses USDC loans instantly via smart contracts, while investors earn monthly USDC dividends from creator earnings.
Funding
Funding not disclosed
Founders
Product
Problem
Creators often struggle to obtain financing because traditional banks cannot underwrite digital platform revenues such as AdSense, Spotify royalties, or TikTok Creator Fund payouts, and alternative options like brand deals or catalog buyouts are unpredictable or require relinquishing ownership of content.
Solution
ClockVest offers non‑dilutive capital to creators by underwriting their verified revenue streams from major creator platforms. An AI scoring engine evaluates income history, audience quality, and growth trajectory to determine loan terms, after which funds are disbursed in USDC within minutes. Creators retain 100 % ownership of their channels and content while receiving flexible, predictable financing. Investors can fund creators through smart‑contract‑based USDC dividends, creating a transparent marketplace for creator-backed investments. The platform is US‑licensed, regulated, and integrates directly with creators’ existing accounts for automated income verification.
Target Audience
Primary customers are digital content creators who earn revenue from online platforms and need predictable capital without giving up ownership, as well as investors seeking exposure to creator-driven income streams.
Features
- AI-driven underwriting that analyzes revenue history, audience metrics, and growth trends
- Direct integration with platforms such as AdSense, Spotify, and TikTok for real‑time earnings verification
- Instant USDC disbursement via smart contracts, with funds available within minutes
- Non‑dilutive financing model that preserves 100 % creator ownership of content and channels
- Investor dashboard that distributes monthly USDC dividends automatically to wallet addresses
- US‑licensed Money Service Business (MSB) and Money Transmission License (MTL) compliance