CreatorScoreInfluencer Vetting for Fintech Brands
A creator who promises guaranteed returns or hides a referral commission puts your compliance team on the hook. CreatorScore flags financial claims, get-rich-quick language and undisclosed sponsorships, and shows the exact line behind each one.
Rules that apply: FTC, SEC, FINRA, CFPB
▸ Fintech & Banking
Financial products carry rules on claims and disclosure, and many creators do not know them. CreatorScore reads captions, transcripts and X posts for guaranteed-return language, get-rich-quick and MLM patterns, and financial advice from creators with no stated credential. A web search covers news and past controversy. Your compliance team gets the quote, not a summary.
▸ What to catch
What fintech creator vetting needs to catch
The risks that come up most in fintech partnerships, and what a CreatorScore read shows you about each.
- 01
Guaranteed-return claims
'Guaranteed returns', 'can't lose' or 'this stock will 10x' are the kind of lines regulators cite. CreatorScore flags them in transcripts, captions and on-screen text, and notes whether the creator's bio lists a financial credential such as CFA or CFP.
- 02
Undisclosed referral deals
Referral links and codes for brokerages, cards and apps are brand connections. CreatorScore checks each post that carries one for a clear disclosure. Under 10% disclosed across three or more verified partnerships caps the score at 35.
- 03
Past scheme or token promotion
Creators who promoted failed tokens or schemes carry that history into your campaign. CreatorScore reads their post history and runs a web search for news and controversy about them. It does not keep a database of failed projects.
- 04
Tax or legal advice outside scope
Tax tips from a creator who is not a CPA, or credit-dispute advice from one who is not a lawyer, create liability for partners. CreatorScore flags legal and financial advice from creators whose bio shows no matching credential, with the line that triggered it.
- 05
Get-rich-quick endorsement
Trading courses, signal groups and MLM pitches use recognisable language: passive income, financial freedom, quit your 9 to 5. CreatorScore reads for those patterns as deceptive content, and a deceptive-content rate of 30% or more caps the score at 60.
- Transcripts and X posts are read for claim language that a review of captions alone would miss.
- Financial claims are compared with the credentials in the creator's bio.
- A web search covers news and controversy that no longer shows in the creator's feed.
▸ Two ways to check
A score to decide fast. A background check to go deep.
One score from 1 to 100 across every platform, with the post behind each finding. Keep it current for $9.99 a month, or add daily monitoring for $19.98.
Check a creator- Seven agents, each scored on its own
- Bot and engagement-pod checks on the comments
- $8.99 each from your 51st creator in a month, $7.99 from the 201st
A full read of everything the creator has posted, every finding listed by category with its evidence. No score, just what was found.
Run a background check- The whole history, not a sample
- Legal matters shown with how they ended
- Deleted posts recovered on the Verified tier
▸ Questions
Fintech vetting, answered.
Can you tell if a fintech creator promoted failed crypto projects?
Partly. CreatorScore reads the creator's post history and runs a web search for news and controversy about them. If a past promotion is still in their posts or was covered in the press, it shows up with the source. We do not keep a database of failed projects, and a standard score does not recover deleted posts.
Do you detect language regulators object to?
We flag guaranteed-return claims, 'can't lose' framing, get-rich-quick and MLM language, and financial advice from creators with no stated credential. We do not give a legal opinion. Each flag shows the quote and the post so your compliance team can decide.
Is a low engagement rate a problem for fintech creators?
Not on its own. CreatorScore compares engagement with benchmarks for the creator's platform and follower tier, and weighs it alongside authenticity, audience quality and disclosure, so one number does not decide the score.
Do you cover UK or EU disclosure rules?
Our disclosure checks follow the US FTC approach: a clear label such as #ad, a spoken disclosure or a platform paid-partnership tag. UK and EU rules ask for something similar, but we do not test against the ASA code or national rules separately, so treat the result as a starting point in those markets.
Your next creator
posts again tonight.
Check them before the contract. Keep reading after it.