Lumanu

Creator uploads brand contract to Lumanu.

Lumanu verifies the brand's creditworthiness.

Creator selects 'Early Pay'.

Funds are deposited into the creator's account within minutes.

Lumanu collects the original payment from the brand later.

Agency sets up 'Split' rules for a specific creator.

Brand pays the invoice via Lumanu.

Lumanu automatically diverts 20% to the agency and 80% to the creator.

Both parties receive instant notifications and receipts.

Brand sends a Social Access request via Lumanu.

Creator clicks one-button approval.

Permissions are automatically synced with Meta Business Manager.

Brand launches ads without ever seeing the creator's password.

Lumanu collects W-9 info during the first payment.

System tracks all payments throughout the year.

Lumanu automatically generates and e-files 1099s in January.

Digital copies are sent to all creators automatically.

Brand initiates payment in USD.

Lumanu handles the currency exchange.

International creator receives funds in their local bank via optimized rails.

Lumanu maintains compliance records for international contractors.

Creator uses the Lumanu mobile app to generate a branded invoice.

The invoice includes a secure 'Pay Now' link.

Brand pays via credit card or ACH.

Lumanu tracks when the invoice is viewed and paid.

Manager sends an invite link to the new creator.

Creator fills out financial and social profiles.

Manager gains immediate visibility into all upcoming creator payments.

Centralized portal reduces back-and-forth emails.