KAE RATE£0.20fixed rateSPEND DISCOUNT6%+merchant discount, 4.5% fee appliesGOVERNANCEK.A.T.E.Ai-governedSTRUCTUREClosed-loopnon-crypto commerce currencyVERIFIED MERCHANTS1liveTOP DISCOUNT8T Clothing18% OFF1 KAE / USD$0.261 KAE / CAD$0.381 KAE / EUR€0.231 KAE / AUD$0.381 KAE / XCDEC$0.731 KAE / JMDJ$40.411 KAE / TTDTT$1.731 KAE / BBDBds$0.51
KAELUM for Creators: Your Audience is a Commerce Currency

For Creators

YOUR AUDIENCE IS A COMMERCE CHANNEL

Social Paylinks And Commerce Drops Let You Sell Directly To Your Audience, Without Platform Fees Cutting Into Your Income. Your Followers Get A 6%+ Merchant Discount When They Spend KAE; A 4.5% Platform Transaction Fee Applies.

6%+
Buyer Discount, 4.5% Fee Applies
£180
Creator Starting Balance

Platforms take your audience and your money

Every platform you use to monetise your audience takes a cut of your revenue, owns your data, and can demonetise you overnight. KAELUM puts the commerce relationship directly between you and your audience.

Platform Fees Eat Your Revenue

Instagram, TikTok, and creator platforms take 20% to 50% of your earnings. Every sale through their commerce tools is a tax on your audience relationship that should belong to you.

Demonetisation Risk is Real

A single policy change or algorithm shift can destroy your revenue stream overnight. Platform dependency is existential risk for creators who built their business on someone else's infrastructure.

Payment Friction Kills Conversions

Sending followers to checkout pages loses 60-80% of potential buyers at each step. Creator Paylinks are direct, single-tap commerce links that work in any bio, story, or post.

Products Have No Urgency

Static product listings generate passive browsing, not active buying. KAELUM's Commerce Drop format creates scarcity and time pressure that drives immediate purchasing decisions.

A full commerce suite built for creators

Every KAELUM Creator account includes access to the full Creator Studio. Every feature is live on kaelum.app today.

Social Paylinks

Unique payment links you share in any bio, story, or post. Followers purchase with KAE and receive a 6%+ merchant discount automatically (4.5% platform transaction fee applies). Works on every platform.

Commerce Drops

Time-limited product and service releases with built-in scarcity. Publish a Drop from your Creator Studio. Your audience buys with KAE at the 6%+ merchant discount (4.5% platform transaction fee applies).

Creator Studio

Your central creative command hub. Manage Paylinks, Drops and audience analytics from a single Ai-powered dashboard.

K.A.T.E. Personal Agent

Your personal K.A.T.E. agent analyses your performance and recommends Paylink pricing and what to promote next. Nothing happens without your approval.

KVI Creator Dashboard

Track your KAELUM Value Index, transaction history, and quarterly distributions in a dedicated creator analytics view.

Referral Hub

Earn additional rewards by referring new customers and creators to KAELUM. Your Referral Hub tracks performance and credits your earnings automatically.

Agentic Banking Suite

Creator accounts access the full KAELUM Agentic Banking suite including Bill Pay, savings tools, and K.A.T.E.-governed financial management features.

Social Commerce

KAELUM's social commerce layer integrates your Creator Paylinks with the wider KAELUM merchant and customer network, surfacing your drops to relevant buyers.

Multiple ways to sell to your audience

KAELUM creators earn on every sale through their Paylinks and Drops, with no platform fee on payments they receive, and can share in quarterly rewards for active commerce.

Direct Commerce
Creator Paylinks

Share your Paylink anywhere online and your audience purchases directly using KAE. They receive the standard 6%+ merchant discount (4.5% platform transaction fee applies) on every purchase. No platform cuts. The commerce relationship is yours.

Direct audience commerce with zero platform fee
Limited Releases
Commerce Drops

Publish time-limited product or service releases directly from Creator Studio. Drop mechanics create urgency and drive immediate purchasing behaviour. Customers buy with KAE and receive the 6%+ merchant discount automatically (4.5% platform transaction fee applies).

Urgency and scarcity built into every Drop
Quarterly Reward
Quarterly Participation Reward

KAELUM sets aside 1.2% of every purchase from its own platform fee. Each quarter part of that pool is shared among active creators in proportion to the completed sales they drive, paid as spendable KAE.

Funded by KAELUM's platform fee
Audience Value
6%+ for Your Buyers

Every follower who purchases through your Creator Paylink or Commerce Drop receives a 6%+ merchant discount (4.5% platform transaction fee applies). This makes buying through you a tangible financial benefit, increasing conversion and loyalty.

Your audience saves every time they buy from you
Activity Rewards
KAEback on Your Activity

Creator accounts can earn KAEback on their own purchases and share in the Quarterly Participation Reward for the sales they drive, all governed by K.A.T.E. Rewards are spendable KAE and are never a return on holding KAE.

Rewards come from commerce, not from holding

Start earning in four steps

Creator verification and onboarding is handled by K.A.T.E. Your Creator Studio is live from the moment your account is active.

01
Apply and Verify

Submit your Creator application on kaelum.app. Verification requires your social profile link to confirm your creator status. K.A.T.E.'s onboarding agent guides the process.

02
Activate Your Studio

Fund your Creator account with 900 KAE (£180 at the fixed KAE price). Your Creator Studio, Social Paylinks, and Commerce Drop tools activate immediately upon funding.

03
Create Your First Paylink

Build your first Social Paylink in Creator Studio. Share it in your bio, stories, and posts. Every follower who buys through your link receives a 6%+ merchant discount automatically (4.5% platform transaction fee applies).

04
Launch Your First Drop

Publish your first Commerce Drop from Creator Studio. Set the quantity, time limit, and price. Your audience buys with KAE. You earn your commission. K.A.T.E. handles the rest.

Sending KAE to other people

Accepting payments from your audience through Social Paylinks and Commerce Drops is never limited. These limits apply only when you send KAE to another individual as a personal transfer, and they keep every account safe from fraud and misuse. All amounts are shown in KAE.

Creator accountPer transferPer dayPer 7 days
Unverified13,500 KAE54,000 KAE162,000 KAE
Verified18,000 KAE75,000 KAE225,000 KAE

Verify your Creator account to move up to the higher limits. Daily limits reset each day; the 7-day limit is a rolling window. Payments your audience makes to you through Paylinks and Commerce Drops are purchases, not transfers, and are never limited.

Model your Creator Earnings

See what a Social Paylink or Commerce Drop could earn you on KAELUM. Move a few sliders to match your audience and see illustrative earnings, with the platform transaction fee paid by the customer, not you.

See your earnings before you commit.

Illustrative earnings from a drop, driven entirely by your own numbers. No fee to you on acceptance. Nothing hidden.

Open the Creator Earnings Model
KAE
Illustrative earnings

KAELUM vs Everything Else

Not an affiliate scheme. Not a tip jar. Not a one-off brand deal. A direct commerce channel you own, where every sale gives your audience a reason to buy from you again.

FeatureKAELUM KAEAffiliate LinksTip JarsBrand Sponsorships
Direct commerce channel you own✓ Paylinks✗ RedirectsSometimes✗
Your buyer gets a discount✓ 6%+ (4.5% fee applies)✗✗✗
Fixed, predictable value✓ Fixed✗ Varies✗ Varies✗ One-off
Quarterly participation reward✓✗✗✗
Ai commerce intelligence✓ K.A.T.E.✗✗✗

Creator frequently asked questions

Your audience is ready to spend with you.

Join KAELUM as a Creator and build a direct commerce channel with your audience. Social Paylinks and Commerce Drops, ready when you are.

Join as a Creator
Creator active balance: 900 KAE (£180). Commerce capital, not a fee. Requires social profile verification.

KAELUM ('Kay-Lum') is a Closed-Loop, Non-Crypto, Agentic Ai-Native Digital Commerce Currency Platform designed for commerce, not speculation. Spend KAE at partnered Merchants or Creators and unlock a 6%+ merchant discount; a 4.5% platform transaction fee applies. KAELUM Technologies Ltd, England & Wales No. 16681154.

Spend KAE. Save 6%+ at every participating Merchant. Real value with every purchase.Not Crypto. Not Blockchain. Not speculation. KAELUM is Agentic Ai Native.You Set The Permission. The Agent Stays Inside It.K.A.T.E. Governs the Rails. You Govern the Spend. Creators: turn any post into a checkout. Monetise your audience directly with Social Paylinks.Most Fintechs Added Ai. KAELUM is Made of it.Autonomous Where it Helps. Human-Gated Where it CountsAgentic Ai You Instruct. Not Ai you Hope BehavesKAE is fixed at £0.20. It never expires and it is not a speculative asset. That is by Design.