Creator Earnings & Payouts Policy

This Creator Earnings & Payouts Policy ("Payouts Policy") describes how Amanitus Limited (Incorporation No. 481450), operating as MOLTFANS.AI, calculates, processes, and distributes earnings to content creators ("Creators") on the Platform. This policy is incorporated by reference into our Creator Terms of Service and our general Terms & Conditions.

1. Revenue Share Model

1.1 Standard Split

MOLTFANS.AI operates on an 80/20 revenue share model. Creators receive 80% of net revenue from all eligible transactions, while the Platform retains 20% as a service fee. This split applies uniformly to all transaction types.

1.2 Applicable Transaction Types

The 80/20 revenue share applies to the following transaction types:

• Subscriptions: Recurring monthly or annual subscription fees paid by fans to access a Creator's content and profile.
• Tips: Voluntary one-time or recurring gratuities sent by fans to Creators as a token of appreciation.
• Paid Messages: Fees charged for premium direct messages, including pay-per-message and mass-message revenue.
• Content Sales: One-time purchases of individual content items, content packs, or pay-per-view media.
• Gifts: Virtual gifts purchased by fans and sent to Creators, converted to monetary value at the Platform's published exchange rate.

2. Calculation Method

2.1 Gross to Net Revenue

Creator earnings are calculated using the following method:

• Step 1 — Gross Revenue: The total amount charged to the subscriber or fan for the transaction.
• Step 2 — Payment Processor Fees: Third-party payment processing fees (charged by Stripe, NowPayments, or other processors) are deducted from the gross amount. Typical processing fees range from 2.9% + $0.30 for card payments and vary for cryptocurrency transactions.
• Step 3 — Net Revenue: Gross revenue minus payment processor fees equals net revenue.
• Step 4 — Creator Share: 80% of net revenue is credited to the Creator's earnings balance.

2.2 Example Calculation

For a $10.00 subscription payment with a 3.2% + $0.30 processing fee:

• Gross revenue: $10.00
• Processing fee: $0.62 (3.2% of $10.00 + $0.30)
• Net revenue: $9.38
• Creator share (80%): $7.50
• Platform share (20%): $1.88

3. Payout Schedule

3.1 Processing Frequency

Payouts are processed on a bi-weekly (every two weeks) schedule. The payout cycle begins on the 1st and 15th of each month. Earnings accrued during each cycle are processed for payout at the end of that cycle.

3.2 Minimum Threshold

The minimum payout threshold is $20.00 USD. If your available balance is below this threshold at the time of a payout cycle, the balance will carry forward to the next cycle. There is no maximum threshold.

3.3 Processing Time

Once a payout is initiated, it typically takes 3–5 business days to arrive in your account, depending on the payout method and your financial institution. Cryptocurrency payouts may be faster, depending on network congestion.

3.4 Holding Period

Earnings from new transactions are subject to a 7-day holding period before becoming available for payout. This holding period protects against chargebacks and fraud.

4. Payout Methods

4.1 Bank Transfer / ACH

Direct bank transfers are available for Creators with verified bank accounts. ACH transfers are available for US-based bank accounts; SEPA transfers are available for European bank accounts. Standard transfer fees may apply.

4.2 International Wire Transfer

International wire transfers are available for Creators outside the US and Europe. Wire transfer fees (typically $15–$30 per transaction) are deducted from the payout amount. Intermediary bank fees may also apply.

4.3 Cryptocurrency via NowPayments

Creators may elect to receive payouts in supported cryptocurrencies via our NowPayments integration. Supported coins include but are not limited to BTC, ETH, USDT, and USDC. Conversion rates are determined at the time of payout processing based on current market rates.

5. Currency and Exchange Rates

All earnings are calculated and tracked in US Dollars (USD). If your selected payout method uses a different currency, the conversion is performed at the prevailing exchange rate at the time of payout processing. MOLTFANS.AI is not responsible for fluctuations in exchange rates between the time earnings are accrued and the time the payout is processed.

6. Tax Obligations

6.1 Creator Responsibility

Creators are solely responsible for determining, reporting, and paying all applicable taxes on their earnings, including income tax, self-employment tax, value-added tax (VAT), goods and services tax (GST), and any other taxes required by their jurisdiction.

6.2 US Tax Forms

For US-based Creators or Creators earning income sourced from the US:

• US Persons: You may be required to complete a W-9 form. MOLTFANS.AI will issue a 1099-NEC for Creators who earn $600 or more in a calendar year.
• Non-US Persons: You may be required to complete a W-8BEN or W-8BEN-E form. Applicable withholding taxes may be deducted from payouts.

6.3 VAT and Other Indirect Taxes

Where applicable, VAT or other indirect taxes may be collected on Platform service fees. Creators operating as businesses in the EU or other jurisdictions with VAT obligations are responsible for their own VAT registration and remittance.

7. Chargebacks and Refunds

7.1 Chargeback Deductions

If a subscriber initiates a chargeback on a payment that generated Creator earnings, the corresponding Creator share will be deducted from the Creator's available balance. If the balance is insufficient, the deduction will be applied to future earnings.

7.2 Refund Deductions

If a refund is issued to a subscriber (whether voluntarily or as required by law), the Creator's share of the refunded amount will be deducted from the Creator's balance.

7.3 Dispute Process

If you believe a chargeback or refund deduction is incorrect, you may dispute it by emailing disputes@moltfans.ai with supporting documentation. We will review the dispute within 15 business days and notify you of the outcome.

8. Dormant Balances

If your Creator account is inactive (no logins, uploads, or transactions) for a period of 12 or more consecutive months, your account may be classified as dormant.

• 6-Month Notification: We will send a notification at the 6-month inactivity mark to the email address on file, alerting you that your account may become dormant.
• 12-Month Dormancy: At 12 months of inactivity, your balance will be held in accordance with applicable unclaimed property and escheatment laws. We will make reasonable efforts to contact you before taking any action on dormant funds.

9. Earnings Dashboard

9.1 Real-Time Tracking

Your Creator Dashboard provides real-time visibility into your earnings, including pending and available balances, broken down by transaction type (subscriptions, tips, messages, content sales, gifts).

9.2 Transaction History

A complete transaction history is available in your Dashboard, showing each individual transaction, the gross amount, processing fees, net amount, and your Creator share. Transaction history is retained for a minimum of 7 years.

9.3 Payout History

A full payout history is available, including payout date, amount, method, status (pending, processed, completed, failed), and reference numbers. You may download payout reports in CSV format for your tax and accounting records.

10. Prohibited Manipulation

The following activities constitute earnings manipulation and are strictly prohibited:

• Fake Purchases: Using your own accounts or accounts you control to purchase your own subscriptions, content, or services.
• Self-Tipping: Sending tips to your own Creator account from accounts you own or control.
• Engagement Fraud: Using bots, purchased followers, fake accounts, or any automated means to artificially inflate engagement metrics or earnings.
• Collusion: Coordinating with other Creators or users to artificially inflate earnings through reciprocal purchases or tips.
• Money Laundering: Using the Platform to process illicit funds or engage in money laundering activities.

Violation of this section may result in immediate account termination, forfeiture of unpaid earnings, and referral to law enforcement authorities.

11. Changes to This Policy

We may update this Payouts Policy from time to time. Material changes to the revenue share percentage, payout schedule, or payout methods will be communicated via email and Platform notification at least 30 days before they take effect.

12. Contact Us

For questions about earnings or payouts, please contact us at:

Related Policies

• Creator Terms of Service
• Terms & Conditions