Pay-over-time sells on trust, so put it in trusted hands.
BNPL is a money product, and people only split a payment with a brand they believe. We build creator programs that earn that belief and keep them compliant.
Real campaigns in the wild
What finance and crypto influencer marketing actually looks like.
Coinbase × Brian Jung
Beginner-guide format with a free-crypto sign-up hook on a creator-tracked link.
Crypto exchange · 2.08M subs
Watch on YouTubeGemini × Andrei Jikh
Mid-roll inside a markets explainer, credit-card rewards angle, dedicated link.
Crypto exchange · 2.88M subs
Jump to the sponsor readGemini × Graham Stephan
Credit-card read folded into a wealth-building video on a creator-tracked link.
Investing · 5.15M subs
Jump to the sponsor readTrading 212 × Ali Abdaal
Soft mid-roll in a productivity video, app-signup offer on a dedicated join link.
Investing app · 6.55M subs
Jump to the sponsor readKalshi × How People Make Money
Native to a finance-explainer audience, app deep-link with a first-deposit bonus.
Prediction markets · 101K subs
Watch on YouTubeMoomoo × MagnatesMedia
Business-documentary format, free-stock and APY-boost incentive.
Brokerage app · 1.84M subs
Watch on YouTubePublic × Craig Percoco
Trading-tutorial format, sponsored read to a charting audience, dedicated link.
Investing app · 1.14M subs
Jump to the sponsor readGemini × JJ Buckner
Mid-roll in a debt-free personal-finance video on a dedicated creator link.
Crypto exchange · 226K subs
Jump to the sponsor readKalshi × Ben Shapiro
Commentary read pointing a political audience to live prediction markets.
Prediction markets · 7.22M subs
Jump to the sponsor readWhat we do
Here is the thing about buy now, pay later. You are not selling a gadget, you are selling a small loan, and people are careful with money. They will not pick a pay-over-time option from a brand they have never heard a real person talk about. So the question is not how loud your ad is, it is whose mouth the message comes out of.
The cliche is to chase a viral post and call it a launch. You have seen that movie. One big spend, a spike, then nothing, and a finance team asking what it actually moved. We would rather build a partnership that keeps paying off month after month, where a creator your audience already trusts keeps showing up and keeps the brand familiar.
There is a well known BNPL campaign worth studying from the outside. The brand cast a famous music icon as the face of the work and made him a minor shareholder, so his upside was tied to the brand doing well. That is the part to copy. Not the celebrity, the alignment. A creator who owns a slice of the outcome shows up differently than one cashing a one-off check.
This is also a regulated, trust-sensitive space. Responsible-lending disclosure is not a nice-to-have, it is the price of being in the room. The good news is that careful, honest creator content is exactly what fits here. A real person explaining how the split works, what the terms are, and who it is for will beat a hard-sell ad every time.
We work from the outside on the analysis side, and we build the program on yours. If you run BNPL or any pay-over-time product, we can put the right creators around it and keep the compliance tight. Worth a quick talk.
Buy Now, Pay Later (BNPL), results we run on
Buy Now, Pay Later (BNPL), results we run on
Global
reach of the playbook
BNPL brand turned one creator partnership into a worldwide pop-culture moment (outside analysis)
Equity
aligned partnership
the studied campaign made its creator a minor shareholder, so incentives matched (outside analysis)
Long-term
over one-off posts
the mechanic worth copying is an ongoing partnership, not a single paid post (outside analysis)
Regulated
trust-first category
responsible-lending disclosure is required, which is why authentic creator trust wins
Why this category is different
Why creators fit pay-over-time better than ads
BNPL lives or dies on whether people trust the brand with a payment. An ad can claim trust, a creator your audience already follows can lend it. That borrowed credibility is the whole game in a money category, and it is something you cannot buy with a bigger media budget.
The campaign worth learning from did not win because of one famous face. It won because the partnership was built for the long run and the creator had real skin in the outcome as a minor shareholder. When a creator gains when you gain, the content stops feeling like a rented endorsement and starts feeling like a recommendation.
Our job is to bring that structure to pay-over-time brands. We match you with creators whose audience actually fits, write the brief so the responsible-lending disclosure is clean, and set up partnerships that keep the brand familiar over months instead of one loud week. We analyze the big campaigns from the outside so you do not have to relearn them the hard way.
Buy Now, Pay Later (BNPL) proof
See real campaigns in this space and what they produced.
You won't have to fill out a form, wait two days, and then receive a generic slide deck. Instead here is how we work:
- 01
You start by booking a call with us
You book a call with us and 12 other agencies.
- 02
We send you everything before we talk
You get all the info before the call. If something looks off, please cancel. We don't waste your time and you don't waste ours.
- 03
On the call we cover three things
What do you want? Can we deliver it? If not, we refer you to one of our 24+ agency partners who can.
Not ready to talk to us?
Next issue, every Monday
We found the best performing creators for Jun 29 → Jul 5.Hand-picked, not the same five names.
Plus the Influencer Advisory Consultant GPT.
FAQ / 005
Common Buy Now, Pay Later (BNPL) questions
BNPL is a money product, and people only split a payment with a brand they trust. A creator your audience already follows transfers that trust to you in a way a paid ad cannot. They can show how the payment split works in plain language, answer the worry about hidden fees, and make pay-over-time feel like a normal choice rather than a risk.
Buy Now, Pay Later (BNPL) playbooks + guides
Know the rules of this category.
Plain guides on what to say, what to skip, what gets pulled, and what passes.
Meet the team
