Since registering, Twitch streamers who have been rejected for business cards twice have accessed lines of credit. A Vlogger with more than 8M followers can now purchase a car and receive financing. And a festival headlining musician who previously needed a parental co-sign is now building their own Karat credit file. Overtime, Karat will become... See more

Influencers, now a slowly fading cliché in the Internet’s tableau vivant, found success articulating the cult of personality, and marketing themselves as direct-to-consumer-goods. The shift away from this algorithmic surrender can be traced to the macro and micro “creator economies” spawned by the likes of Patreon, Substack, OnlyFans and even... See more