Spun Labs

Close the gap
between "you
earned it" and
"you have it"

A reliable pay day system that unlocks the money you make from streaming without the 90 day block through our spun labs creator credit card. You dont need to wait for money thats already yours. Let's help you get it.

Spun Labs makes that capital
spendable today: a card, that
gives artists access to
royalty income instantly.

How you get your money

  1. Knowledge graph of data

    Income data from 150+ social media & streaming platforms, financial records, splits, contracts, and guarantees. We are currently B2B2C for fast rollout, but can work B2C.

  2. State of the art AI models

    Model and underwrite these unique, complex income streams using proprietary AI. We also have SOTA fraud detection and AI personal finance tools.

  3. Better for creators

    We can give creators up to 4x higher credit limits and lower fees than any other card. No more payment lag: when streams air, the artist will get paid for them an hour later.

  4. Transparent

    We are deeply passionate about showing users everything big data knows about their income with the goal of making creative industries more transparent with a centralized ecosystem.

  5. Free

    We earn from interchange fees paid by businesses you use the card with (2.3% per transaction) — NOT from card users; This is a free financial hub.

Meet your
creator card

A free creator card designed to give you the tools you
need to keep doing what you do best, now.

Higher credit
limit and variable
repayment period

Select, smart and
personalized
rewards

Personal finance
tools build to
support you

We're not a fintech
company that found
music. We're
musicians who got
tired of waiting.

We built the thing we wished existed: a way to get paid what you're owed,
on your terms, with nothing signed away. We turned down 60 other ideas before this
one, because this is the one that didn't ask us to compromise what we actually
believe — that artists should have more control over the value they create.

Kai playing keyboard on stage
Kai
Founder + CEO
Aaron backstage in a cap
Aaron
Founder + CTO
Andrew on stage with a trombone, wearing a graduation sash
Andrew
Founder + Chief of Research

It's
already
yours
(literally.)

It's your money.
We just get it to you faster.

Not a bank. Not a loan. Not another company quietly taking a cut.

Fast track getting paid

Don't wait any longer than you have to to get the funds to keep your creativity flowing.

Join The Waitlist

Partner with Spun Labs

Ready to get what's yours, now? Reach out to be a part of something greater.

Get In Touch