How Nexora makes money
Six revenue streams, one split engine, and the exact path a dollar takes from a fan's card to a creator's bank account. Every number below is wired to the values the app actually uses.
A gem retails at about 1¢. A bean redeems at 0.5¢. A gift worth 500 gems puts 500 beans in the pool — so half the retail value is retained at conversion, before the creator split is applied. "80% to the creator" means 80% of the bean pool, which is roughly 40% of what the fan actually paid. This is how Bigo and every gift-economy platform works, and it is the reason the model is viable. It is also the number most often misquoted, so every calculator here shows it explicitly.
The six streams
Open each one with its calculator →Gems & live gifts
Fans buy gem packs, spend them on gifts during streams. Gifts convert to beans, beans convert to cash. The largest stream on every comparable platform.
creator/gift.php · creator/gems.php · creator/economy.phpFan subscriptions
Recurring monthly memberships to a creator's fan club, with tiered perks. Predictable revenue that smooths out the spikiness of gifting.
creator/subscriptions.php · fan/subscriptions.phpDigital products & store
Courses, templates, ebooks, community access and UGC items sold directly by creators. The platform takes a flat commission on each sale.
creator/digital-store.php · creator/marketplace.phpLive commerce
Physical goods sold live on stream, with shoppable overlays and affiliate links to third-party catalogues. Commission scales with order value.
creator/live-commerce.php · creator/live-shopping.phpBrand deals & ads
Sponsored campaigns, kingdom-event sponsorships and the brand-to-creator deal marketplace. The platform charges a fee on the transaction, not the content.
brand/campaigns.php · brand/deals.php · agency/signings.phpB2B, SDK & AI twins
Mini-game SDK licensing, the translation API, enterprise AI twins, and creator AI twins charging per question, per month or per session.
developer/sdk.php · developer/b2b-portal.php · creator/ai-twin.phpWhere the money goes
Gift pathThe nine steps
Full price, always. Promotions add bonus gems rather than discounting the price, so the margin per dollar never moves.
Gross revenueApple and Google take 30% of in-app purchases. A web checkout routed through Stripe costs 2.9% + 30¢ instead — the single biggest lever on platform margin.
−30% (or −3%)Gems credit instantly but the value is held before it can be cashed out, so a reversed card payment never turns into a real loss.
Risk controlGems leave the fan's wallet. A gift worth N gems drops N beans into the split pool.
Conversion pointOne of four models decides the creator's percentage — by rank, gift type, verification level or monthly volume. Configurable per platform, not per creator.
60% → 80%Redeemable at a fixed 200 beans to the dollar. The rate never moves during promotions.
Creator balanceHeld, not spent — it covers chargebacks, fraud reversals and negative balances. It returns to the platform if unused.
HeldAuto-routed by country: Stripe first, Payoneer where Stripe is unavailable, USDT as the fallback. Minimum $1 once KYC is verified.
−1.5% blendedConverted at near-interbank rates. Withdrawals under $5 carry a flat 25¢ fee so small payouts do not cost the platform money.
Net to creatorFollow one purchase
LiveChange any input and the whole waterfall recalculates.
Result
In-app— not the headline split percentage. Quote this number to creators and the pitch survives contact with their first payout.
Status of each stream
Honest audit| Stream | Screens | Split enforced server-side | Metered |
|---|---|---|---|
| 🎁 Gems & gifts | Built | Yes — split config | n/a |
| 👑 Subscriptions | Built | No — flat 20% hardcoded | n/a |
| 🛍️ Digital products | Built | No — client writes the fee | n/a |
| 📺 Live commerce | Built | No | n/a |
| 📣 Brand deals | Built | No | n/a |
| 🧩 B2B / SDK / AI twins | Built | No | No token cost tracked |
Only the gift stream reads from the shared split configuration. The other five compute their fee wherever the transaction happens, which means five separate places to change a rate and five places a modified client could write a zero. A single server-side ledger — one function that is the only writer of any earnings row — closes all five at once and is worth more than any additional screen.