# Payout Guideline

## **Overview**

* Earnings from creations are accumulated as **Earned BLUC**.
* Earned BLUC can be used in **two ways: conversion to In-app BLUC, or USD payout.**
* To receive payouts, you must **set up a digital wallet and an Overdare-Stripe account**.

## **Important Notes**

#### **✅ Digital Wallet Setup & Selection** <a href="#digital-wallet-setup-and-selection" id="digital-wallet-setup-and-selection"></a>

* You must set up a digital wallet before creating content.
* Up to three digital wallets can be registered, and you can choose the one you want to receive payouts from on the payout page.

#### **✅ Irreversible Conversion After Payout or In-app BLUC Exchange** <a href="#irreversible-conversion-after-payout-or-in-app-bluc-exchange" id="irreversible-conversion-after-payout-or-in-app-bluc-exchange"></a>

* Once Earned BLUC is converted to In-app BLUC or a USD payout is requested, it cannot be reverted back.

#### **✅ USD Payout Restrictions** <a href="#usd-usdc-payout-restrictions" id="usd-usdc-payout-restrictions"></a>

* Minimum payout threshold: You must hold at least 5,000 Earned BLUC to request a payout.
* Re-payout restriction: Once a payout request is made, another request cannot be submitted within 24 hours.
* Processing time: The payout takes at least 3 business days, and Stripe's processing schedule may affect the exact timing.

## **How to Use Earned BLUC**

#### **1. Ways to Use Earned BLUC** <a href="#id-1-ways-to-use-earned-bluc" id="id-1-ways-to-use-earned-bluc"></a>

Earned BLUC can be used in three ways:

1. **Convert to In-app BLUC** → Purchase Creator Products (e.g., costumes).
2. **Cash out in USD.**

<figure><img src="https://2064130887-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FhrvYlLq1mQAq0V0vwPsb%2Fuploads%2Fgit-blob-f1fcad083e68696f8a1de50e1838e81cbaff3be0%2Fimage.png?alt=media" alt=""><figcaption></figcaption></figure>

#### **2. How to Convert Earned BLUC to In-app BLUC** <a href="#id-2-how-to-convert-earned-bluc-to-in-app-bluc" id="id-2-how-to-convert-earned-bluc-to-in-app-bluc"></a>

* No minimum balance is required, allowing free conversion.
* Conversion rate: 1 Earned BLUC = 1 In-app BLUC.

<figure><img src="https://2064130887-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FhrvYlLq1mQAq0V0vwPsb%2Fuploads%2Fgit-blob-e9c59b17650e003786a960b53c76fdeea52146ca%2Fimage.png?alt=media" alt=""><figcaption></figcaption></figure>

#### **3. USD Payout Process** <a href="#id-3-usd-usdc-payout-process" id="id-3-usd-usdc-payout-process"></a>

✅ **Overdare-Stripe Account Required**

* To cash out in USD, you need to create an Overdare-Stripe account.
* Payout method depends on the account type linked during Stripe signup:
  * Bank account → USD payout.
* The first linked account (bank or wallet) becomes the default payout account, which can be changed later via the Stripe dashboard.

✅ **Payout Option Activation**

* After completing KYC verification on Stripe, the option to convert Earned BLUC to USD will be enabled.

✅ **Payout Processing**

* Once the payout request is completed, the funds (USD) will be transferred to the creator's Stripe account after verification by OVERDARE.
* Payouts are typically processed within **three business days**, but larger amounts or cases requiring additional verification may take longer. Cross-border payouts via Stripe will only be processed if the amount meets the required minimum threshold. [Check Stripe’s Minimum payout amounts.](https://docs.stripe.com/connect/cross-border-payouts/special-requirements#cbp-minimum-payout-amounts)
* Once the payout is completed to your Stripe account, the funds will be transferred to your **default account** within **three business days**, but additional processing time may be required by Stripe.
* You can track the payout status on your **Stripe Dashboard**.

<figure><img src="https://2064130887-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FhrvYlLq1mQAq0V0vwPsb%2Fuploads%2Fgit-blob-909b7f44a52ac489ed5b270f62f9cedaa79ba2f1%2Fimage.png?alt=media" alt=""><figcaption></figcaption></figure>

{% content-ref url="../../overdare/policy/creator-payout-policy" %}
[creator-payout-policy](https://docs.overdare.com/overdare/policy/creator-payout-policy)
{% endcontent-ref %}