Loyalfans keeps the subscription-platform math familiar: creators keep 80% of what fans spend on subscriptions, tips, paid messages, live streams, and store items, and the platform takes 20%. Payouts run twice a month on the 1st and 16th with a $50 minimum. What actually sets the platform apart is a 5% lifetime referral program that pays on top of your own page. Here's the per-subscriber math, the payout mechanics, and the honest comparison against OnlyFans and Fansly.
Twenty percent, on every revenue stream the platform offers. Unlike some platforms that tier their cut by feature or payment method, Loyalfans applies one 80/20 split across the board:
| Revenue stream | Creator keeps | Platform takes |
|---|---|---|
| Monthly subscriptions | 80% | 20% |
| Tips | 80% | 20% |
| Paid messages & custom content | 80% | 20% |
| Live streaming earnings | 80% | 20% |
| Store / merch sales | 80% | 20% |
That flat split matches the 80/20 baseline at OnlyFans and Fansly, so the cut itself is not a reason to switch. The differences that matter are operational — payout cadence, minimums, discovery, and the referral program — and we'll get to each of those.
Creators set their own subscription price, so the per-fan math scales directly off your number. At a $9.99 page — the common mid-band price — the net runs like this:
| Page size | Subs @ $9.99/mo | Net from subs (80%) | + $300/mo tips & PPV |
|---|---|---|---|
| Starting out | 25 | $199.80 | $439.80 |
| Growing | 100 | $799.20 | $1,039.20 |
| Established | 400 | $3,196.80 | $3,436.80 |
| Full-time page | 1,000 | $7,992.00 | $8,292.00 |
Two things the table hides. First, engagement income — tips, paid messages, custom content — routinely exceeds subscription income for active creators, which is why the PPV column matters more than it looks. Second, churn quietly claws back a chunk of the gross every month; a page that replaces its leavers is standing still, not growing. The Loyalfans calculator runs the full picture from your own subscriber count, price, and messaging income.
Withdrawals are processed on the 1st and 16th of each month, and you need at least $50 accumulated to cash out. Bank transfer is the standard method, with options varying by region. Plan around that floor in your first months: a new page earning $30 a month waits two cycles before its first payout clears, and the paperwork — tax forms, identity verification — is worth completing at signup rather than at first withdrawal, when it becomes the thing standing between you and your money.
Compared with the neighbors, that cadence sits in the middle of the pack. OnlyFans holds funds roughly seven days before release with a $20 minimum, and Fansly also runs a seven-day pending period with minimums that vary by method — $20 for Paxum, Cosmo, and ACH, $50 for SEPA, and $100 for wire or crypto. Twice-monthly on the 1st and 16th is predictable if not fast.
This is Loyalfans' actual differentiator. Refer another creator — with your link, from your socials, from your fanbase — and you earn 5% of everything they make, for as long as they're on the platform. Loyalfans pays it on top; the referred creator still keeps their 80%, so referring costs your fellow creator nothing.
| Referred creator's monthly earnings | Your referral income (5%, for life) |
|---|---|
| $500 | $25.00 |
| $2,000 | $100.00 |
| $5,000 | $250.00 |
| Five creators averaging $2,000 | $500.00 |
Do the compounding: a handful of referrals at typical mid-tier earnings builds a few hundred dollars a month of income that doesn't depend on your own posting schedule. If your audience includes other creators — you teach monetization, you run a community, you get asked "what platform should I use" — the referral stream can outearn a small page of your own.
On the split, it's a three-way tie. The comparison that matters is the payout plumbing and what the platform does for you:
| Loyalfans | OnlyFans | Fansly | |
|---|---|---|---|
| Creator split | 80% | 80% | 80% |
| Payout minimum | $50 | $20 | $20-$100 by method |
| Payout cadence | 1st & 16th | ~7-day pending, then release | ~7-day pending, processed Tue-Fri |
| Referral program | 5% of referred creators' earnings, lifetime | Referral bonuses for creators & fans | Referral program available |
| Discovery | Limited | Largest built-in audience | On-site discovery feed |
The honest read: OnlyFans wins on audience size, Fansly wins on discovery features, and Loyalfans wins on the referral stream. None of them wins on the cut. For deeper numbers on the other two, see the OnlyFans earnings guide and the Fansly payout guide.
A fraction of your primary. Smaller platforms send far less native discovery traffic, so the same content that carries a busy page elsewhere lands quieter here. The playbook that works: import your best-performing catalog first — depth converts better than a fresh start — point your social bios and link pages at the new page from day one, price at or slightly below your established page for the first cohort, then normalize. Calendar a ninety-day review. If the second platform isn't paying meaningfully by then with content that works elsewhere, the audience genuinely isn't there, and your effort belongs on the primary page.
Treat the whole exercise as insurance plus margin rather than a growth bet. Platform risk is the category's shared weakness — policy changes, payout interruptions, and account bans have hit every subscription platform at some point — and a ready second page, an owned mailing list, and a funnel you control are the standard hedges.
Monthly and yearly net from your subscriber count, price, and messaging income.
Loyalfans Calculator →Loyalfans pays 80% across every revenue stream, cashes out on the 1st and 16th with a $50 minimum, and adds a 5% lifetime referral program on top — the one line item its bigger competitors don't match as cleanly. Model it as portfolio income with a floor: run the Loyalfans calculator with your real numbers, weight the referral stream if your audience refers well, hold the ninety-day review honestly, and keep the strategic assets on infrastructure you own. The platforms are payment rails; the business is the audience.
Loyalfans takes 20% and pays creators 80%, across subscriptions, tips, paid messages, live streaming, and store sales. That matches the 80/20 baseline used by OnlyFans and Fansly, so the platform cut itself is not a differentiator between the three.
Withdrawals are processed twice a month, on the 1st and 16th, and the minimum withdrawal is $50. Small accounts accumulate earnings below that floor until they cross it, so factor the minimum in when you model a new page's first months.
Refer another creator and you earn 5% of what they make for life, paid by Loyalfans on top of the referred creator's own 80% — it does not come out of their pocket. A referred creator earning $2,000 a month generates about $100 a month in referral income for the referrer.
The splits are identical at 80/20. The differences are operational: OnlyFans has the largest audience, Fansly offers multi-tier subscriptions and an on-site discovery feed, and Loyalfans leans on its 5% lifetime referral program and creator-friendly positioning. Most working creators treat a second platform as portfolio insurance, not a growth bet.
Expect a fraction of your primary platform for the same content, because smaller platforms deliver far less native discovery traffic. Run the mirror-and-review playbook: import your catalog, point your funnel at the new page, price for the first cohort, and hold a ninety-day review. If it is not paying meaningfully by then, deepen the primary instead.