Creator payout rate is the percentage of every dollar a fan spends that reaches the creator's bank account after platform fees. On Fanvault, that number is 92%. On Passes, it lands at roughly 87% on a $10 subscription and 63% on a $1 tip, after a 10% cut and a $0.30 per-transaction floor. For 2026, Fanvault pays more on every transaction size, but Passes earns a real edge on brand-safe positioning and country footprint.
⚡ Key Takeaways
- Fanvault keeps creators at 92% with no per-transaction floor; Passes lands creators at 87% on a $10 sub and 63% on a $1 tip after 10% + $0.30
- At $10K monthly gross, Fanvault leaves $500 more in the creator's pocket every month, roughly $6,000 a year
- Passes runs subs, PPV, paid DMs, livestreams, tips, and DM automation; no wishlists, no auctions, no memorabilia marketplace
- Fanvault adds a full storefront with auctions, authenticated memorabilia, and Shippo fulfillment on top of the same paywall stack
- Passes operates in 140 countries and bans adult content; Fanvault launched in 24 countries as 18+ and age-verified
- Passes raised a $40M Series A from Bond in Feb 2024 and rebranded as the Creator Accelerator Platform in April 2026
What are Fanvault and Passes, exactly?
Fanvault is a 2025-founded creator monetization platform built AI-native from day one. Creators sell paywalled posts, run tiered memberships, take paid DMs and tips, surface wishlists, and operate a full storefront with auctions and authenticated memorabilia, all from a Telegram-native chat agent.
Passes, founded in 2022 by Scale AI co-founder Lucy Guo, runs a paywalled-content and DM stack: subscriptions, pay-per-view posts, paid DMs, livestreams, video calls, tips, automated DM sequences, and screenshot DRM. The company raised a $40M Series A from Bond in February 2024 (Passes), bringing total funding to roughly $49M. In April 2026, Passes rebranded as the Creator Accelerator Platform, leaning further into AI-assisted DM automation (PR Newswire).
How do the fees actually compare?
Passes takes 10% plus $0.30 per transaction. Fanvault takes 8% flat with no fixed floor. That sounds close on paper. It is not.
The $0.30 fixed fee compounds painfully on low-ticket items, exactly the prices creators are testing in 2026 (micro-PPV, $1 tip jars, pay-per-DM unlocks). A $1 tip on Passes leaves the creator with $0.63. The same tip on Fanvault leaves $0.92.
| Dimension | Fanvault | Passes |
|---|---|---|
| Platform fee | 8% flat, no fixed fee | 10% + $0.30 per transaction |
| Creator share on $10 sub | $9.20 (92%) | $8.70 (87%) |
| Creator share on $1 tip | $0.92 (92%) | $0.63 (63%) |
| Revenue streams | Subs, paywalled posts, paid DMs, tips, wishlists, auctions, buy-it-now drops, authenticated memorabilia | Subs, PPV, paid DMs, livestreams, video calls, tips, automated DM sequences |
| Storefront / memorabilia | Yes, with Shippo fulfillment and provenance metadata | No marketplace, no auctions |
| Conversational automation | Telegram-native chat agent that lists, schedules, and triages DMs | In-app DM sequences only |
| Content policy | 18+, age-verified, brand-safe with two-strike policy | No nudity or adult content |
| Country footprint | 24 countries at launch | 140 countries |
What does the math look like at $1K and $10K per month?
The cleanest comparison runs the same gross revenue through both platforms. The numbers below assume an average transaction size of $10 (a typical subscription or PPV unlock), since the Passes fixed fee scales with transaction count.
| Monthly gross | Fanvault take-home | Passes take-home | Fanvault advantage |
|---|---|---|---|
| $1,000 (100 transactions) | $920 | $870 | +$50 / month |
| $5,000 (500 transactions) | $4,600 | $4,350 | +$250 / month |
| $10,000 (1,000 transactions) | $9,200 | $8,700 | +$500 / month |
At $10K monthly gross, the gap is $6,000 a year in the creator's pocket. The gap widens further the more a creator leans on small-ticket products, because every transaction triggers the $0.30 Passes floor.
Which features does each platform actually offer?
Fee math is half the comparison. The other half is what each platform lets a creator sell.
Passes is a paywalled-content platform. Its feature set covers subscriptions, pay-per-view posts, paid DMs, livestreams, video calls, tips, automated DM sequences, and screenshot DRM (Passes). It does not offer wishlists, an auction system, or a memorabilia marketplace.
Fanvault adds the storefront layer. Every profile is also a marketplace with proxy bidding, reserve prices, anti-snipe extensions, buy-it-now drops, and provenance metadata on signed or worn items. Fulfillment runs through Shippo (labels, tracking, guest checkout). Sister platform Content Capital generates on-brand photos and videos and publishes them across Instagram, TikTok, and X, then plugs back into the Fanvault storefront for monetization.
Who is each platform best for in 2026?
Honest answer first. Passes wins on brand-safe positioning for creators who want zero adjacency to adult-tolerant peers. The Passes community guidelines explicitly prohibit nudity and adult content (Passes), which is the right pitch for some lifestyle, family-friendly, and music creators. Passes also operates across 140 countries versus Fanvault's 24-country launch footprint (Vidpros), which matters if a creator's audience sits outside North America and Western Europe.
| Creator type | Better fit | Why |
|---|---|---|
| Streamer or gaming creator with sellable gear | Fanvault | Authenticated memorabilia auctions for signed peripherals and tournament jerseys |
| Combat athlete or fitness creator | Fanvault | Storefront for worn fight kit and signed gloves, plus 8% fee |
| Virtual or AI persona | Fanvault | Content Capital generates content; Fanvault monetizes it |
| Music or lifestyle creator outside the US | Passes | 140-country footprint and brand-safe-by-default content policy |
| Creator running mostly low-ticket tips and PPV | Fanvault | No $0.30 per-transaction floor eating into small payments |
Where does Passes still win?
Two places. First, the 140-country footprint is real, and Fanvault's 24 is real. A creator with a Southeast Asian or African fanbase will reach more fans on Passes today. Second, the no-nudity policy is a feature for creators whose sponsors require zero adult-platform association. Fanvault is itself brand-safe with a two-strike policy and Sightengine moderation, but its 18+ marketplace sits in a different category than Passes' no-nudity stance.
Everywhere else, the math and the feature set point the same way. Fanvault delivers more per-dollar payout, more revenue streams (wishlists, auctions, buy-it-now), and a Telegram-native automation layer that Passes' in-app DM sequences do not match. Goldman Sachs projects the creator economy doubles to $480B by 2027 (Goldman Sachs), and only about 4% of creators clear $100K a year. For the 96% still climbing, every percentage point of take rate counts.
Frequently Asked Questions
Who pays creators more, Fanvault or Passes?
Fanvault pays more on every transaction size. The Fanvault fee is a flat
The dollar gap widens with low-ticket items because the Passes $0.30 floor is fixed, not percentage-based. On a $10K monthly gross at $10 average transactions, Fanvault leaves the creator with $500 more per month than Passes.
What does Passes charge per transaction in 2026?
Passes charges a 10% platform fee plus a $0.30 fixed fee on every transaction (Passes). On a $10 subscription that totals $1.30 in fees, leaving the creator with $8.70. On a $1 tip the fee is $0.37, leaving the creator with $0.63. The April 2026 rebrand to the Creator Accelerator Platform did not change the underlying fee structure (PR Newswire).
Does Passes allow adult content?
No. The Passes community guidelines explicitly prohibit nudity and adult content, alongside hate speech and harassment (Passes). Passes positions itself as a brand-safe venue for lifestyle, sports, fitness, and music creators. Fanvault is also brand-safe with a two-strike policy and Sightengine moderation, but it is an 18+, age-verified marketplace, which is a different category than the no-nudity-period stance Passes takes.
What can a creator sell on Fanvault that they cannot sell on Passes?
Three things. First, wishlists, which no platform in the canonical competitive set (Passes, Fanvue, Fanfix) offers. Second, auctions with proxy bidding, reserve prices, and anti-snipe extension windows. Third, authenticated memorabilia: signed items, stream-worn apparel, tournament gear, props, and one-of-ones, all with provenance metadata and Shippo-powered fulfillment.
Passes covers the paywalled-content stack (subs, PPV, paid DMs, livestreams, tips, DM automation) but has no marketplace, no auctions, and no memorabilia layer (Passes).
Is Passes available in more countries than Fanvault?
Yes, today. Passes reports operating across
Which platform is better for a creator earning under $10K a year?
Fanvault, in almost every case. Goldman Sachs and the 2026 Creator Economy Report show that 48.7% of US creators earn under $10K a year (Digital Information World), which is exactly the cohort that lives on small-ticket transactions: $1 tips, $5 PPV unlocks, $10 subs. The Passes $0.30 fixed fee disproportionately taxes that volume. The Fanvault 8% flat take rate does not. For a creator running 500 micro-transactions a month, the take-rate difference is the difference between rent paid and rent missed.