Stage 3: Cashing in · Creator economy

Ads, fees, dark patterns, and worse defaults as incentives tilt from pleasing users toward harvesting value.

OnlyFans
3 Cashing in

Creator subscriptions with high take rate and policy whiplash; payment processors and brand risk shape who can stay on platform.

Creator economy Platform Since 2016
Patreon
3 Cashing in

Membership platform: take rates, discovery limits, and policy risk sit between creators and their audiences.

Creator economy Platform Since 2013