How YouTubers are Getting Paid? Backed by MilX Analytics

MilX spent the last few months analyzing data from 3,140 creators.

CLAYMONT, DELAWARE / ACCESS Newswire / March 28, 2025 / Paul Lekhnovsky, CEO of the MilX Finance Hub, shares key insights into how YouTube creators manage their money in 2025. The report makes one thing clear: things are changing - fast.

The YouTubers Payment Methods Shake-Up

YouTube's payment system is tied to banks and checks with a single local currency option. Meanwhile, fintech for creators doesn't sleep, giving them the flexibility to transfer funds using over 10 methods and 40+ currencies.

A quick look at the data from MilX users reveals some trends:

Bank Transfers

Down 40% in volume for YouTubers. Creators use them for large transactions, but the frequency dropped by 8%. The patience for slow payouts is wearing thin.

Visa/Mastercard Payouts

Up 17% in volume and 13% in transaction count. More creators are choosing direct-to-card payments, likely for the speed and ease.

Crypto

The breakout winner. Volume is up 33%, transactions have skyrocketed by 41%. Stablecoins (not Bitcoin) are leading the charge.

USDT (Tether) dominates USDC (Circle) among creators. The why? Higher liquidity, wider acceptance, and lower friction in global transactions.

Payoneer

A quiet gainer. Volume is up 5%, but transaction count surged 39%. Creators are increasingly using it for smaller, frequent payouts.

PayPal

Down 12% in volume, with transaction counts flat (+0.6%). Still around, but losing the dominance.

Speed, cost, and flexibility drive creator payment choices. YouTubers shy away from payment methods that are slow, costly, or difficult to use across multiple currencies.

"When it comes to big payouts, bank transfers remain the top choice. Speed isn't their strong suit, but they're preferred for large transactions," said Sergii Bielousov, Co-founder & Investor at MilX.

Extra Cash Before YouTube's Payday

Creators aren't waiting around for YouTube's monthly payouts anymore. 48.3% of MilX users have used Advance Payments at least once, withdrawing future earnings early to cover immediate needs. Even more telling: over 19% unlocked up to six months of future revenue.

For context:

Traditional payouts make creators wait up to two months to access their earnings.

Traditional bank loans? Creators don't usually qualify under conventional lending models.

Advance access is a bridge to faster growth, and creators are using it to get ahead.

All the data shows that payment flexibility is a top priority for creators. The free MilX app lets you explore different ways to access and transfer money-so you can choose what works best for you.

About MilX

MilX is a fintech startup backed by a strategic investment from AIR Media-Tech, an industry leader with over 30 specialized tools and services for creators. The free MilX mobile app provides financial services for YouTube creators, offering seamless money transfers from YouTube earnings through 10+ payment methods, including crypto, P2P transfers, regular payments, and instant transactions.

SOURCE: MilX