# Riff

The Payment OS for the Creator Economy

- Canonical URL: https://wefunder.com/useriffapp
- Entity ID: wefunder:company:175716
- Last updated: 2026-06-02T23:55:09Z
- Generated at: 2026-06-03T22:02:49Z

## Quick facts
- Launched with notable first enterprise customer with $30M+ in guaranteed brand deals
- 440% increase in revenue since March
- Solving payment pain for a $40B influencer market growing 25%+ year over year
- Trusted by Brands like Loreal and Invisalign
- Signed partners representing a combined $130M+ in active deal pipeline

## Active fundraises
- wefunder:fundraise:148344: 4(a)(6) open (USD)
- wefunder:fundraise:135553: 4(a)(6) successful (USD)
- wefunder:fundraise:135552: 4(a)(6) successful (USD)

## Story
Riff is the single control panel for the creator economy: from contract to compliant payment, in real-time, not weeks.Today, agencies use 10+ tools but we replace compounding fees and disparate platforms/logins into one smart payout platform.Agencies and brands are now handling thousands of micro-transactions across campaigns without the infrastructure to automate payouts, splits, or reporting. Riff is purpose-built for exactly this moment.One brand deal → one click → everyone paid instantly, with compliance & taxes automated.#marketThe Creator Economy will be $480B by 2027. There are 207 million creators worldwide (we're not talking the Mr.Beasts here) driving $40B in influencer marketing spend in 2025 alone.Yet there is zero infrastructure to track and execute these campaigns and payments at scale.#problemCreator income is fragmented and slow, spread across dozens of platforms, currencies, and contracts, often paid 30–90 days late. Agencies currently juggle 10+ tools across every stage of a campaign.The result: disparate systems, ops overhead that eats into margin, and delayed or lost revenue. Compliance and tax reporting are usually an afterthought, a growing liability as the IRS cracks down.#solutionRiff collapses weeks of manual overhead into minutes of automated, compliant payments for every stakeholder. Drop in contract details, apply smart split and payout logic, and payment and compliance are done.Content creators are the backbone of advertising for every brand.#tractionRiff is live, revenue-generating, and scaling fast.We've processed over $1M and trusted by already trusted by the biggest brand names.First anchor customer: Reach Projects, managing 10,000+ creators and $30M+ in brand deal volume, using Riff exclusively for high volume payments, tracking performance and compliance.#whynowCreator budgets are exploding but imploding behind the scenes. Three forces are converging:171% influencer spend growth since 2025.Visa coin "the new SMBs" content creator: micro-creators(not mega-celebrities), is now the backbone of advertising for every brand.The IRS is cracking down on 1099 compliance.#bizmodelRiff earns on every dollar that moves through its rails via a 1% transaction fee, plus recurring subscription revenue from agencies. We only need 2% of this market to hit $100M.#roadmap Our path to $100M. #teamRiff is built by experts who know this world inside and out. Our leadership team brings deep experience across big tech, agencies, and the creator economy, the exact combination needed to solve this problem at scale.Our team has led campaigns and products for Meta, Google, TikTok, and top creator agencies, managing hundreds of millions in ad spend. We’ve been on both sides of the creator economy, running global campaigns and building the tools creators need.#complianceHandling money at scale demands trust. That’s why Riff was built with enterprise-grade compliance and security from day one. Abiding by FINRA, FINCEN, and following SEC and IRS reporting requirements, aligning with FFIEC guidelines, and maintaining strict adherence to U.S. banking, payments, KYC/AML, and OFAC standards. We’ve partnered with regulated financial institutions, use SOC 2–aligned data practices, and integrate industry-leading tools like Plaid and Persona to ensure customer identity and funds are safeguarded. Every workflow is designed to meet the same bar as publicly traded financial companies, because when creators’ livelihoods are on the line, nothing less than bank-grade infrastructure will do.#useoffundsEvery dollar we raise fuels scale:Accelerate go-to-market strategies of both outbound and inbound.Podcast efforts as a sales and marketing engine.

## FAQ
1. **Couple questions: 1. Is your 1% take rate on top of what you have to also pay credit card's interchange fees? 2. How much are you looking to raise this round? Your valuation looks very attractive but I'm concerned if you sell too much equity, you'll dilute yourself early on. 3...**
   - Is your 1% take rate on top of what you have to also pay credit card interchange fees? Teal’s 1% take rate is on top of the financial infrastructure we are leveraging inclusive of ACH and wire transfers (85% of brand transactions) and is still less expensive than competitors even with our added margin. Credit card interchange fees will include our 1% take and will still be competitive to the current market rates. How much are you looking to raise this round? We are raising 100k for 6.7% equit...
2. **Could you expand on international growth a bit and what kind of traction you expect for it next year?**
   - Teal is expanding into the next three high growth hubs like LATAM, SEA, and Nigeria while giving the option for localized payments. We can expect to see a 3x growth in our user base within the first year of entering these regions, through network effects and our product led growth.
3. **I invested early through VITALIZE Angels and am interested in your latest raise. Are you still pre-revenue? If not, what is your month over month growth looking like?**
   - Hi Julie, thanks for reaching out! We're $5K in revenue, waiting for our first deals to close out end of this month to see our take rate revenue. Here's our updated deck to review. https://docsend.com/view/dvsfqv7sai9bd5h2
4. **what makes you different than other companies doing the same thing? there is another raising now doing exactly the same thing**
   - Hi John! The more folks entering our world validates how fast it's moving. It's great to hear other smart people are jumping in. Without knowing the specific company you're referencing, I appreciate the pressure test. To preface, we're not solving for brand discovery. That's the most overcrowded product in the industry. We're the financial infrastructure underneath the whole ecosystem. Most creator fintechs chase brands and creators.. their workflow, their reporting, their reconciliation. We ...

## Team
- Sarah Park (CEO & Cofounder)
- Gaurav Malik (CTO & Cofounder)

## Q&A
- Q: Couple questions: 1. Is your 1% take rate on top of what you have to also pay credit card's interchange fees? 2. How much are you looking to raise this round? Your valuation looks very attractive but I'm concerned if you sell too much equity, you'll dilute yourself early on. 3. Was the first customer's terms and commission at a promotional (unsustainable) rate? 4. Is your app / platform up and running already? Couldn't find it anywhere.
  - A: Is your 1% take rate on top of what you have to also pay credit card interchange fees? Teal’s 1% take rate is on top of the financial infrastructure we are leveraging inclusive of ACH and wire transfers (85% of brand transactions) and is still less expensive than competitors even with our added margin. Credit card interchange fees will include our 1% take and will still be competitive to the current market rates. How much are you looking to raise this round? We are raising 100k for 6.7% equity in our company. We are mindful of maintaining a healthy cap table and avoiding early dilution. Our focus is on securing the right strategic investors and being able to launch so later we can raise a Seed round. Was the first customer's terms and commission at a promotional (unsustainable) rate? No, our first customer will be onboarded at standard, scalable terms. We intentionally avoided promotional or unsustainable rates to ensure our pricing model is repeatable and profitable as we grow. Our goal is to demonstrate early traction with healthy unit economics. Is your app/platform up and running already? Teal’s platform is currently in beta. The core infrastructure is built with early users testing the system. We plan to launch publicly in 3 months, with a focus on creators and collaborators managing payments and partnerships seamlessly.
- Q: I have a few questions: 1) Congratulations! You are already oversubscribed. What type of runway does this funding provide, and are you going to increase this rounds funding goal? 2) As a creator, it would be great if there were funding tiers, such as at $150, for creators, a one year subscription to test and provide feedback, $250 for investors, etc. 3) Please explain more about the backend technology of your digital wallet, is this blockchain to reduce cost, or something other than traditional ACH technology?
- Q: Is this just for content creators or can anybody use this? and I think you and strada raising on here would be a massive partnership etc. Great job thus far!
- Q: what makes you different than other companies doing the same thing? there is another raising now doing exactly the same thing
  - A: Hi John! The more folks entering our world validates how fast it's moving. It's great to hear other smart people are jumping in. Without knowing the specific company you're referencing, I appreciate the pressure test. To preface, we're not solving for brand discovery. That's the most overcrowded product in the industry. We're the financial infrastructure underneath the whole ecosystem. Most creator fintechs chase brands and creators.. their workflow, their reporting, their reconciliation. We go in through agencies. the people cutting millions in creator checks every month. They're the ones with the volume, the relationships, and the pain. We own that payout layer, which means we see something no one else does: exactly how much creators earn, how often, and how reliably. That's the dataset that unlocks our financial products at scale. And nobody else has it because nobody else is sitting where we're sitting. Payments is our wedge. The data is the moat.
- Q: I invested early through VITALIZE Angels and am interested in your latest raise. Are you still pre-revenue? If not, what is your month over month growth looking like?
  - A: Hi Julie, thanks for reaching out! We're $5K in revenue, waiting for our first deals to close out end of this month to see our take rate revenue. Here's our updated deck to review. https://docsend.com/view/dvsfqv7sai9bd5h2
- Q: Hi Teal Team, I’m Zac Stahlhut with D3VC, a venture fund focused on the investment crowdfunding space. I wanted to clarify a few points from your offering page: Is your first contracted customer Reach Projects, and if so, can you share more about who they are and when they’re expected to begin transacting on the platform? Based on the $20M in projected transaction volume, are you anticipating around $200K in revenue under your current fee structure? Also curious if you’ve secured traction with any agencies or prominent creators yet. Lastly, how do you envision positioning Teal in the broader user-generated content ecosystem—do you see yourselves powering transactions behind procurement platforms like Billo or Showcase, or are you planning to develop competitive features in-house? Thanks!
- Q: Could you expand on international growth a bit and what kind of traction you expect for it next year?
  - A: Teal is expanding into the next three high growth hubs like LATAM, SEA, and Nigeria while giving the option for localized payments. We can expect to see a 3x growth in our user base within the first year of entering these regions, through network effects and our product led growth.