{ "batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "articles": [ { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_patreon_fee_standard", "category": "Business", "title": "Patreon: Money.fees", "summary": "Patreon charges a 10% platform fee on all earnings for creators who published after August 4, 2025", "body": "Patreon charges a 10% platform fee on all earnings for creators who published after August 4, 2025\n\nWhat Patreon actually says:\n\n“Patreon is free to start. You only pay when you start earning. **10%** of the income you earn on Patreon Plus payment processing, currency conversion, and payout fees, and applicable taxes.”", "source_type": "official", "source_link": "https://www.patreon.com/pricing", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Patreon", "evidence_quote": "Patreon is free to start. You only pay when you start earning. **10%** of the income you earn on Patreon Plus payment processing, currency conversion, and payout fees, and applicable taxes.", "volatility": "medium", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "Patreon", "topic": "Money.fees", "applies_to_country": "*", "tags": { "lane": "subscription_sfw", "stage": "running", "region": [ "any" ], "platform": "patreon", "topic": [ "money.fees" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_patreon_payout_minimum", "category": "Business", "title": "Patreon: Money.payout", "summary": "Patreon has a $10 minimum payout via PayPal and a $25 minimum payout via Payoneer Wallet", "body": "Patreon has a $10 minimum payout via PayPal and a $25 minimum payout via Payoneer Wallet\n\nWhat Patreon actually says:\n\n“PayPal: 1% (minimum of $0.25, capped at $20 USD); $10 minimum payout. Payoneer Wallet: $1.00 USD per payout to your Payoneer account; $25 minimum payout”", "source_type": "official", "source_link": "https://www.patreon.com/pricing", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Patreon", "evidence_quote": "PayPal: 1% (minimum of $0.25, capped at $20 USD); $10 minimum payout. Payoneer Wallet: $1.00 USD per payout to your Payoneer account; $25 minimum payout", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "Patreon", "topic": "Money.payout", "applies_to_country": "*", "tags": { "lane": "subscription_sfw", "stage": "running", "region": [ "any" ], "platform": "patreon", "topic": [ "money.payout" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_patreon_payout_fees", "category": "Business", "title": "Patreon: Money.payout", "summary": "Patreon charges $0.25 per direct deposit payout and $0.50 per US bank transfer payout, plus a 1.55% currency conversion fee for non-USD payouts", "body": "Patreon charges $0.25 per direct deposit payout and $0.50 per US bank transfer payout, plus a 1.55% currency conversion fee for non-USD payouts\n\nWhat Patreon actually says:\n\n“Direct deposit (processed by Stripe): $0.25 USD per payout. Paying out from USD to a USD bank account: $0.50 per payout. Paying out from USD to Local Currency: $0.25 + 1.55% currency conversion fee per payout”", "source_type": "official", "source_link": "https://www.patreon.com/pricing", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Patreon", "evidence_quote": "Direct deposit (processed by Stripe): $0.25 USD per payout. Paying out from USD to a USD bank account: $0.50 per payout. Paying out from USD to Local Currency: $0.25 + 1.55% currency conversion fee per payout", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "Patreon", "topic": "Money.payout", "applies_to_country": "*", "tags": { "lane": "subscription_sfw", "stage": "running", "region": [ "any" ], "platform": "patreon", "topic": [ "money.payout" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_patreon_processing_fees", "category": "Business", "title": "Patreon: Money.fees", "summary": "Patreon charges 2.9% + $0.30 for credit card payments and 1% for PayPal payments on creator earnings", "body": "Patreon charges 2.9% + $0.30 for credit card payments and 1% for PayPal payments on creator earnings\n\nWhat Patreon actually says:\n\n“**Payment processing fees** – Credit card / Apple Pay – Any – **2.9% + $0.30**. PayPal / Venmo – US – **2.9% + $0.30**. **PayPal** – **1%** (minimum of $0.25, capped at $20 USD)”", "source_type": "official", "source_link": "https://www.patreon.com/pricing", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Patreon", "evidence_quote": "**Payment processing fees** – Credit card / Apple Pay – Any – **2.9% + $0.30**. PayPal / Venmo – US – **2.9% + $0.30**. **PayPal** – **1%** (minimum of $0.25, capped at $20 USD)", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "Patreon", "topic": "Money.fees", "applies_to_country": "*", "tags": { "lane": "subscription_sfw", "stage": "running", "region": [ "any" ], "platform": "patreon", "topic": [ "money.fees" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_patreon_micropayment_processing", "category": "Business", "title": "Patreon: Money.fees", "summary": "Patreon charges 5% + $0.10 for micropayment processing (payments ≤ $3)", "body": "Patreon charges 5% + $0.10 for micropayment processing (payments ≤ $3)\n\nWhat Patreon actually says:\n\n“**Processing rates – micropayment rate (≤ $3)** – Credit card / Apple Pay – **5% + $0.10**”", "source_type": "official", "source_link": "https://www.patreon.com/pricing", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Patreon", "evidence_quote": "**Processing rates – micropayment rate (≤ $3)** – Credit card / Apple Pay – **5% + $0.10**", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "Patreon", "topic": "Money.fees", "applies_to_country": "*", "tags": { "lane": "subscription_sfw", "stage": "running", "region": [ "any" ], "platform": "patreon", "topic": [ "money.fees" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_patreon_currency_conversion", "category": "Business", "title": "Patreon: Money.fees", "summary": "Patreon charges a 2.5% currency conversion fee for payments made in a currency different from the creator's payout currency", "body": "Patreon charges a 2.5% currency conversion fee for payments made in a currency different from the creator's payout currency\n\nWhat Patreon actually says:\n\n“**Currency conversion fees** – **2.5%** currency conversion fee applies to any payment made in a currency different from your payout currency.”", "source_type": "official", "source_link": "https://www.patreon.com/pricing", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Patreon", "evidence_quote": "**Currency conversion fees** – **2.5%** currency conversion fee applies to any payment made in a currency different from your payout currency.", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "Patreon", "topic": "Money.fees", "applies_to_country": "*", "tags": { "lane": "subscription_sfw", "stage": "running", "region": [ "any" ], "platform": "patreon", "topic": [ "money.fees" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_ko_fi_fee_standard", "category": "Business", "title": "Ko-fi: Money.fees", "summary": "Ko-fi charges a 5% service fee on all payment types for standard creators and no monthly fee", "body": "Ko-fi charges a 5% service fee on all payment types for standard creators and no monthly fee\n\nWhat Ko-fi actually says:\n\n“Standard (default for new creators) – **5% service fee on all payment types** (tips, memberships, commissions and shop sales). Creating your Ko-fi account is totally free! There are no monthly charges. You only pay a small, **5% service fees** (plus standard payment processor fees) when you get a payment.”", "source_type": "official", "source_link": "https://ko-fi.com/pricing", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Ko-fi", "evidence_quote": "Standard (default for new creators) – **5% service fee on all payment types** (tips, memberships, commissions and shop sales). Creating your Ko-fi account is totally free! There are no monthly charges. You only pay a small, **5% service fees** (plus standard payment processor fees) when you get a payment.", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "Ko-fi", "topic": "Money.fees", "applies_to_country": "*", "tags": { "lane": "subscription_sfw", "stage": "running", "region": [ "any" ], "platform": "kofi", "topic": [ "money.fees" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_ko_fi_fee_gold", "category": "Business", "title": "Ko-fi: Money.fees", "summary": "Ko-fi's Gold tier ($12/month) charges 0% service fee", "body": "Ko-fi's Gold tier ($12/month) charges 0% service fee\n\nWhat Ko-fi actually says:\n\n“**Gold** – $12 /month – **0% service fee**”", "source_type": "official", "source_link": "https://ko-fi.com/pricing", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Ko-fi", "evidence_quote": "**Gold** – $12 /month – **0% service fee**", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "Ko-fi", "topic": "Money.fees", "applies_to_country": "*", "tags": { "lane": "subscription_sfw", "stage": "running", "region": [ "any" ], "platform": "kofi", "topic": [ "money.fees" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_ko_fi_payout_minimum", "category": "Business", "title": "Ko-fi: Money.payout", "summary": "Ko-fi does not publish a minimum payout threshold on its official pages and states creators get paid directly", "body": "Ko-fi does not publish a minimum payout threshold on its official pages and states creators get paid directly\n\nWhat Ko-fi actually says:\n\n“Get paid directly, on your own terms! / you get paid directly, we never hold your money”\n\nNote: No specific minimum stated on pricing page", "source_type": "official", "source_link": "https://ko-fi.com/pricing", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Ko-fi", "evidence_quote": "Get paid directly, on your own terms! / you get paid directly, we never hold your money", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "Ko-fi", "topic": "Money.payout", "applies_to_country": "*", "tags": { "lane": "subscription_sfw", "stage": "running", "region": [ "any" ], "platform": "kofi", "topic": [ "money.payout" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_youtube_ypf_subscriber_threshold", "category": "Business", "title": "YouTube: Access.signup", "summary": "YouTube Partner Program ad revenue eligibility requires 1,000 subscribers and either 4,000 qualified watch hours in the last 12 months or 10 million qualified Shorts views in the last 90 days", "body": "YouTube Partner Program ad revenue eligibility requires 1,000 subscribers and either 4,000 qualified watch hours in the last 12 months or 10 million qualified Shorts views in the last 90 days\n\nWhat Google/YouTube actually says:\n\n“Have 1,000 subscribers. Have 4,000 valid public watch hours in the last 12 months OR have 10 million valid public Shorts views in the last 90 days.”", "source_type": "official", "source_link": "https://support.google.com/youtube/answer/72851", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Google/YouTube", "evidence_quote": "Have 1,000 subscribers. Have 4,000 valid public watch hours in the last 12 months OR have 10 million valid public Shorts views in the last 90 days.", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "YouTube", "topic": "Access.signup", "applies_to_country": "*", "tags": { "lane": "creator_program", "stage": "setting_up", "region": [ "any" ], "platform": "youtube", "topic": [ "access.signup" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_youtube_ypf_adult_requirement", "category": "Business", "title": "YouTube: Access.signup", "summary": "YouTube Partner Program monetization features require the creator to be at least 18 years old or have a legal guardian over 18 who can handle payments via AdSense", "body": "YouTube Partner Program monetization features require the creator to be at least 18 years old or have a legal guardian over 18 who can handle payments via AdSense\n\nWhat Google/YouTube actually says:\n\n“Be at least 18 years old, or have a legal guardian older than 18 years of age who can handle your payments via AdSense for YouTube”", "source_type": "official", "source_link": "https://support.google.com/youtube/answer/72857", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Google/YouTube", "evidence_quote": "Be at least 18 years old, or have a legal guardian older than 18 years of age who can handle your payments via AdSense for YouTube", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "YouTube", "topic": "Access.signup", "applies_to_country": "*", "tags": { "lane": "creator_program", "stage": "setting_up", "region": [ "any" ], "platform": "youtube", "topic": [ "access.signup" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_youtube_ypf_membership_threshold", "category": "Business", "title": "YouTube: Access.signup", "summary": "YouTube channel memberships eligibility requires 500 subscribers, 3 public uploads in the last 90 days, and either 3,000 qualified watch hours or 3 million qualified Shorts views", "body": "YouTube channel memberships eligibility requires 500 subscribers, 3 public uploads in the last 90 days, and either 3,000 qualified watch hours or 3 million qualified Shorts views\n\nWhat Google/YouTube actually says:\n\n“Be at least 18 years old. Live in a country where channel memberships is available. Have 500 subscribers. Have 3 public uploads in the last 90 days. Have either 3,000 qualified watch hours OR 3 million qualified Shorts views.”", "source_type": "official", "source_link": "https://support.google.com/youtube/answer/72857", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Google/YouTube", "evidence_quote": "Be at least 18 years old. Live in a country where channel memberships is available. Have 500 subscribers. Have 3 public uploads in the last 90 days. Have either 3,000 qualified watch hours OR 3 million qualified Shorts views.", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "YouTube", "topic": "Access.signup", "applies_to_country": "*", "tags": { "lane": "creator_program", "stage": "setting_up", "region": [ "any" ], "platform": "youtube", "topic": [ "access.signup" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_youtube_payment_threshold", "category": "Business", "title": "YouTube: Money.payout", "summary": "YouTube requires a payment threshold of $100 USD before issuing a payment to the creator", "body": "YouTube requires a payment threshold of $100 USD before issuing a payment to the creator\n\nWhat Google/YouTube actually says:\n\n“Payment threshold: $100 (U.S. Dollar)”", "source_type": "official", "source_link": "https://support.google.com/youtube/answer/14727140", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Google/YouTube", "evidence_quote": "Payment threshold: $100 (U.S. Dollar)", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "YouTube", "topic": "Money.payout", "applies_to_country": "*", "tags": { "lane": "creator_program", "stage": "running", "region": [ "any" ], "platform": "youtube", "topic": [ "money.payout" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_youtube_payment_schedule", "category": "Business", "title": "YouTube: Money.payout", "summary": "YouTube pays creators through AdSense on a monthly cycle, finalizing earnings between the 7th-12th of the month and issuing payment between the 21st-26th", "body": "YouTube pays creators through AdSense on a monthly cycle, finalizing earnings between the 7th-12th of the month and issuing payment between the 21st-26th\n\nWhat Google/YouTube actually says:\n\n“Creators in the YouTube Partner Program are paid through AdSense for YouTube, which follows a monthly cycle. Between the 7th–12th of the month — Earnings are finalized and posted in AdSense for YouTube. On the 20th of the month — Total balance must reach the payment threshold of your currency to be paid that month. Between the 21st–26th of the month — Payment issued and a 'Payment pending' line item should appear in AdSense for YouTube.”", "source_type": "official", "source_link": "https://support.google.com/youtube/answer/14728151", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Google/YouTube", "evidence_quote": "Creators in the YouTube Partner Program are paid through AdSense for YouTube, which follows a monthly cycle. Between the 7th–12th of the month — Earnings are finalized and posted in AdSense for YouTube. On the 20th of the month — Total balance must reach the payment threshold of your currency to be paid that month. Between the 21st–26th of the month — Payment issued and a 'Payment pending' line item should appear in AdSense for YouTube.", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "YouTube", "topic": "Money.payout", "applies_to_country": "*", "tags": { "lane": "creator_program", "stage": "running", "region": [ "any" ], "platform": "youtube", "topic": [ "money.payout" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_youtube_payment_early_request", "category": "Business", "title": "YouTube: Money.payout", "summary": "YouTube does not issue payments outside of its normal monthly schedule for any reason", "body": "YouTube does not issue payments outside of its normal monthly schedule for any reason\n\nWhat Google/YouTube actually says:\n\n“Can I get paid early? No. We can't issue payments outside of our normal payment schedule for any reason.”", "source_type": "official", "source_link": "https://support.google.com/youtube/answer/14728151", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Google/YouTube", "evidence_quote": "Can I get paid early? No. We can't issue payments outside of our normal payment schedule for any reason.", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "YouTube", "topic": "Money.payout", "applies_to_country": "*", "tags": { "lane": "creator_program", "stage": "running", "region": [ "any" ], "platform": "youtube", "topic": [ "money.payout" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_youtube_identity_verification", "category": "Business", "title": "YouTube: Access.id", "summary": "YouTube requires creators to verify their identity and address once earnings reach the $10 verification threshold", "body": "YouTube requires creators to verify their identity and address once earnings reach the $10 verification threshold\n\nWhat Google/YouTube actually says:\n\n“Once your YouTube earnings reach the verification threshold, we'll ask you to verify your identity and address. We do this to confirm the accuracy of your account info and protect you from fraud. Once your YouTube earnings reach the verification threshold, we'll ask you to verify your identity. To continue to monetize and get paid you'll have to verify your identity.”", "source_type": "official", "source_link": "https://support.google.com/youtube/answer/14732067", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Google/YouTube", "evidence_quote": "Once your YouTube earnings reach the verification threshold, we'll ask you to verify your identity and address. We do this to confirm the accuracy of your account info and protect you from fraud. Once your YouTube earnings reach the verification threshold, we'll ask you to verify your identity. To continue to monetize and get paid you'll have to verify your identity.", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "YouTube", "topic": "Access.id", "applies_to_country": "*", "tags": { "lane": "creator_program", "stage": "setting_up", "region": [ "any" ], "platform": "youtube", "topic": [ "access.id" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_youtube_shorts_revenue_share", "category": "Business", "title": "YouTube: Money.fees", "summary": "Shorts monetizing creators keep 45% of their allocated revenue from ads appearing in the Shorts Feed", "body": "Shorts monetizing creators keep 45% of their allocated revenue from ads appearing in the Shorts Feed\n\nWhat Google/YouTube actually says:\n\n“Monetizing creators will keep 45% of their allocated revenue, regardless if music was used or not.”", "source_type": "official", "source_link": "https://support.google.com/youtube/answer/12504220", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Google/YouTube", "evidence_quote": "Monetizing creators will keep 45% of their allocated revenue, regardless if music was used or not.", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "YouTube", "topic": "Money.fees", "applies_to_country": "*", "tags": { "lane": "streaming", "stage": "running", "region": [ "any" ], "platform": "youtube", "topic": [ "money.fees" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_youtube_channel_membership_pricing", "category": "Business", "title": "YouTube: Money.pricing", "summary": "YouTube channel membership price tiers in the United States range from $0.99 to $499.99 in specified increments", "body": "YouTube channel membership price tiers in the United States range from $0.99 to $499.99 in specified increments\n\nWhat Google/YouTube actually says:\n\n“Price in USD $0.99, $1.99, $2.99, $3.99, $4.99, $5.99, $6.99, $7.99, $8.99, $9.99, $14.99, $19.99, $24.99, $29.99, $34.99, $39.99, $44.99, $49.99, $99.99, $149.99, $199.99, $249.99, $299.99, $399.99, $499.99”\n\nNote: Pricing table values only; no commission percentage published for memberships", "source_type": "official", "source_link": "https://support.google.com/youtube/answer/10119895", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Google/YouTube", "evidence_quote": "Price in USD $0.99, $1.99, $2.99, $3.99, $4.99, $5.99, $6.99, $7.99, $8.99, $9.99, $14.99, $19.99, $24.99, $29.99, $34.99, $39.99, $44.99, $49.99, $99.99, $149.99, $199.99, $249.99, $299.99, $399.99, $499.99", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "YouTube", "topic": "Money.pricing", "applies_to_country": "Us", "applies_to_scope": "United States pricing tiers shown; other countries have different tiers", "tags": { "lane": "streaming", "stage": "running", "region": [ "us" ], "platform": "youtube", "topic": [ "money.pricing" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_youtube_ai_financial_policy", "category": "Business", "title": "YouTube: Rules.content", "summary": "YouTube does not allow monetization of channels using AI-generated personas that present themselves as human experts giving financial advice or investment tips", "body": "YouTube does not allow monetization of channels using AI-generated personas that present themselves as human experts giving financial advice or investment tips\n\nWhat Google/YouTube actually says:\n\n“AI Personas Related to Sensitive Topics: This policy refers to channels that use AI-generated personas to deliver information on sensitive topics. This includes any content that presents itself as a human expert providing advice to viewers on topics such as health, legal issues, finances, or politics. To protect viewers who may be confused or otherwise negatively impacted by this content, channels uploading this content will not be allowed to monetize.”", "source_type": "official", "source_link": "https://support.google.com/youtube/answer/1311392", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Google/YouTube", "evidence_quote": "AI Personas Related to Sensitive Topics: This policy refers to channels that use AI-generated personas to deliver information on sensitive topics. This includes any content that presents itself as a human expert providing advice to viewers on topics such as health, legal issues, finances, or politics. To protect viewers who may be confused or otherwise negatively impacted by this content, channels uploading this content will not be allowed to monetize.", "volatility": "medium", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "YouTube", "topic": "Rules.content", "applies_to_country": "*", "tags": { "lane": "streaming", "stage": "running", "region": [ "any" ], "platform": "youtube", "topic": [ "rules.content" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_youtube_ai_financial_example", "category": "Business", "title": "YouTube: Rules.content", "summary": "YouTube lists AI-generated podcast hosts offering financial guidance, investment tips, or wealth management advice as examples of content not allowed to monetize", "body": "YouTube lists AI-generated podcast hosts offering financial guidance, investment tips, or wealth management advice as examples of content not allowed to monetize\n\nWhat Google/YouTube actually says:\n\n“Examples of what's not allowed to monetize (this list is not exhaustive): An AI 'doctor' providing medical diagnoses, health advice, or wellness remedies; AI-generated podcast hosts offering financial guidance, investment tips, or wealth management advice; AI personas giving legal advice or interpreting laws.”", "source_type": "official", "source_link": "https://support.google.com/youtube/answer/1311392", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Google/YouTube", "evidence_quote": "Examples of what's not allowed to monetize (this list is not exhaustive): An AI 'doctor' providing medical diagnoses, health advice, or wellness remedies; AI-generated podcast hosts offering financial guidance, investment tips, or wealth management advice; AI personas giving legal advice or interpreting laws.", "volatility": "medium", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "YouTube", "topic": "Rules.content", "applies_to_country": "*", "tags": { "lane": "streaming", "stage": "running", "region": [ "any" ], "platform": "youtube", "topic": [ "rules.content" ], "explicitness": "any" } }, { "id": "learn_r1836_youtube_finance_and_investing_channel_creator_platforms_youtube_ypf_payments_are_royalties", "category": "Business", "title": "YouTube: Money.payout", "summary": "YouTube treats payments for channel memberships, Super Chat and other program revenue as royalties", "body": "YouTube treats payments for channel memberships, Super Chat and other program revenue as royalties\n\nWhat Google/YouTube actually says:\n\n“Starting November 18, 2020, any payments you may be entitled to receive from YouTube under any other agreement between you and YouTube (including for example payments under the YouTube Partner Program, Channel memberships or Super Chat) will be treated as royalties.”\n\nNote: Relevant to tax treatment of creator income", "source_type": "official", "source_link": "https://www.youtube.com/t/community_guidelines", "last_verified": "2026-10-07", "reliability": "VERIFIED RULE", "source_tier": "A", "source_publisher": "Google/YouTube", "evidence_quote": "Starting November 18, 2020, any payments you may be entitled to receive from YouTube under any other agreement between you and YouTube (including for example payments under the YouTube Partner Program, Channel memberships or Super Chat) will be treated as royalties.", "volatility": "low", "from_batch": "1836-youtube-finance-and-investing-channel-creator-platforms", "subject": "YouTube", "topic": "Money.payout", "applies_to_country": "*", "tags": { "lane": "creator_program", "stage": "running", "region": [ "any" ], "platform": "youtube", "topic": [ "money.payout" ], "explicitness": "any" } } ] }