Embedded capital. White-labeled rails. One API.
Splitz powers the financial layer for talent agencies, record labels, MCNs, and creator platforms. Offer your roster instant advances, automated splits, and same-day payouts — without becoming a bank yourself.
Who we power
Built for the businesses that move the creator economy.
Talent Agencies
Advance your roster against signed deals. Automate splits across managers, lawyers, and talent.
Record Labels
Royalty advances, transparent waterfalls, and instant payouts to artists and producers.
MCNs & Networks
Reduce platform payout friction. Offer creators capital products as a retention lever.
Creator Platforms
Embed financial primitives — capital, payouts, splits — into your existing creator dashboard.
Compliance & security
Real banking. Real recourse.
Splitz operates in formal partnership with City National Bank, an FDIC-member U.S. bank trusted by Hollywood for 70+ years. Your partner integration runs on regulated infrastructure — not a fintech wrapper.
- FDIC Insured Custody
- BSA / AML Program
- OFAC Screening
- SOC 2 Type II (in progress)
- PCI DSS Level 1
- CCPA / GDPR Ready
Banking partner
City National Bank
Member FDIC · A Royal Bank of Canada subsidiary
Splitz partners with City National to deliver custody, settlement, and BSA/AML infrastructure. Funds are held in FDIC-insured accounts. All money movement clears through regulated U.S. banking rails.
THE SPLITZ STACK
Three primitives. One integration. Everything your roster needs.
Offer capital, payments, and compliance as features of your own platform — without building or licensing any of it yourself.
CAPITAL
Advance your roster, not your balance sheet. Body: Offer instant advances against signed deals, royalties, and platform revenue — funded by Splitz, not by you. We carry the capital and the underwriting risk; you offer your talent same-day liquidity as a feature of your service.
RAILS
Move money the way your deals are actually structured. Body: Same-day ACH, real-time payments, multi-party splits, and royalty waterfalls through one API. Pay talent, managers, and counterparties in a single transaction — no spreadsheets, no manual reconciliation, no 90-day float.
COMPLIANCE
Heading: Launch financial products without becoming a regulated entity. Body: KYC, BSA, OFAC, and FDIC-insured custody run through our partnership with City National Bank. You get the customer relationship and the revenue; we carry the licensing, the compliance burden, and the regulatory liability.
The API
Three endpoints. Infinite financial products.
Splitz exposes a clean, REST-first API for the three primitives every creator-economy business needs: capital, rails, and splits. Sandbox in 10 minutes, production in 30 days.
- RESTful, idempotent, fully versioned
- Webhook-driven status updates
- White-label UI components for embedded flows
- SDKs for Node, Python, Ruby
# Advance a creator against a signed brand deal
curl https://api.splitzapp.co/v1/advances \
-H "Authorization: Bearer $SPLITZ_KEY" \
-d '{
"creator_id": "crt_8h2j...",
"invoice_id": "inv_brand_4k2m...",
"amount": 48200,
"currency": "USD",
"split_to": [
{ "party": "creator", "bps": 8000 },
{ "party": "agency", "bps": 1500 },
{ "party": "manager", "bps": 500 }
]
}'
# Response: funds settled in < 24h via City National rails
{ "id": "adv_3kf8...", "status": "funded", "eta": "2026-04-30T18:00:00Z" }
Pilot results
"From signed deal to funded creator in under 24 hours."
$1.4M
Advanced in pilot phase
100%
Repayment rate to date
17h
Average funding time
Pilot results from Splitz's first cohort of partner-introduced creators. Full case study available under NDA.
Partnership pricing
Volume-based. Built around your model.
Revenue share, flat per-transaction, or hybrid structures. We design the commercial model with you during onboarding — based on your roster size, deal flow, and integration depth.
FAQ
Questions enterprise buyers ask.
Embedded finance for creators means delivering bank-grade financial products — advances, payouts, capital — directly inside the platforms creators already use, without those platforms needing a banking license. Splitz provides this infrastructure via API, so agencies, labels, and creator platforms can offer financial services as a feature of their core product.
Splitz operates in formal partnership with City National Bank, an FDIC-member U.S. bank. City National provides custody, settlement, and regulatory infrastructure. Splitz provides the application layer, creator-native UX, and integration with agency and platform systems — letting partners launch financial products without becoming a regulated entity themselves.
A payment processor moves money from point A to point B. Splitz orchestrates a full financial stack for the creator economy: invoice factoring, working capital advances, multi-party splits, royalty waterfalls, and instant payouts — all on regulated banking rails. We're the capital and compliance layer, not just a card network.
Yes. Splitz handles the regulated lending infrastructure — underwriting, capital, compliance, servicing — so agencies can offer their roster instant advances against signed deals without taking on lender liability or licensing requirements. The agency keeps the relationship; Splitz handles the regulated work behind the scenes.
Splitz offers volume-based partnership pricing, structured as either revenue share, flat per-transaction fees, or hybrid models. The exact structure is tailored to each partner during onboarding, based on roster size, expected volume, and integration depth.
Standard API integrations typically go live in 30–60 days, depending on partner technical readiness. Splitz provides dedicated solutions engineering, sandbox environments, and white-label UI components to accelerate deployment. Some partners launch a first product in under three weeks.
No — Splitz complements existing banking. We're a capital and rails layer designed for the creator economy specifically. Partners typically keep their existing operating accounts and use Splitz for creator-facing financial products (advances, payouts, splits) where speed and creator-native UX matter most.
Splitz fits inside your existing operations. We integrate with the CRMs, accounting platforms, and roster management tools agencies and labels already depend on — so you can launch financial products without changing how your team works.
Let's build it together
The financial backbone of the creator economy.
Book a 30-minute walkthrough. We’ll show you the API, talk through your integration, and scope a pilot.
Banking services provided by City National Bank, Member FDIC.