Creators earn $130B+ annually across royalties and other variable income streams, yet turning fragmented, delayed income into usable capital has always meant predatory advances and giving up future earnings—until now. Spun Labs is building the Creator Card: a free, creator-specific credit card that uses proprietary AI to intelligently underwrite these income streams and solve payment lags—offering real-time access to earnings, data-driven credit limits, dynamic repayment periods, and hyper-specific rewards for creators. Spun monetizes through merchant interchange, letting creators keep 100% of earnings and ownership. Live with active pilot users and labels onboarding, Spun is building a fundamentally new kind of financial hub for the creator economy. The founders are lifelong musicians from Stanford + Brown, combining deep technical experience from Google, Apple, Meta, Microsoft, Lyft, and Stanford AI Research with unusually strong ties to the music/entertainment industries.