# Four platforms in one book. Sponsors invoiced. Tax set aside as the money lands URL: https://www.orla.finance/en/for/creator Markdown twin of that page. Append `.md` to any Orla page URL to get one. Dev Malhotra runs a channel, sells templates on Gumroad and an app on the App Store, alone. #### Four platforms, and no spreadsheet between them YouTube pays on the twenty-first, Gumroad every Friday, the App Store a month late. What did the month actually earn, after everyone's cut? - YouTube, Gumroad, the App Store and PayPal connect with a key or a sign-in on the platform; the earnings come in daily, fees and refunds kept apart. - Sales, fees and refunds land as separate rows; the platform's cut is its own figure. - A payout is a transfer between your own accounts, never income; nothing counts twice. - A daily rule names a platform that quietly stopped syncing; re-sync is a button on the row. #### Sponsors invoiced, reminded, paid A keyboard brand agreed to a segment. The invoice is written in the evening, the reminder is the part nobody likes to send. - Four figures as filters: owed, overdue, received this month, paid without an invoice; each one opens its own list. - Recurring invoices, reminders, and an invoice that marks itself paid when money lands. - Paid by card via your Stripe, by transfer or in stablecoins; a quote becomes the invoice. - Reminders go out on WhatsApp or SMS from your own number, and the sponsor's reply lands in your chat, under their name, with the file they drop. - The invoice mail names you in the subject, and the sponsor's Reply goes to the billing email printed on the document. The From line stays Orla on purpose, so a mail about money cannot pretend to come from someone else. #### A payment page under your own name A sponsor wants to tip after the video, a viewer wants a licence outside the store. Where do they pay when there is no invoice? - A request by link, and a permanent payment address for the space. - On your @handle page a visitor names an amount and gets a link of their own. - Paid by card via your Stripe, by transfer or in stablecoins. - Links expire; a machine gets a price instead of a page (x402). #### The tax year ready before you file The USDC a sponsor paid is a lot with a cost of its own. Does every asset add up, does the book say what the chain says, and is the year sealed? - A tax profile with your jurisdiction and filing status; the estimate updates from the rows as income lands, so the amount to set aside is a figure, not a guess. - A rule can speak at the moment money reaches the book, narrowed to one sponsor or a threshold: "Acme paid 4 000, thirty per cent of it is 1 200, move it to Tax". It moves nothing and books nothing; setting aside is your press. - The year in four steps: what is not ready, does it reconcile, the return, the seal. - A report is described in words and saved as a question; opening it runs it again, so the amount to set aside this month is one press away. - A sealed year reports its own drift. #### Gear, software and the editor, filed on their own A camera receipt in the mail, Adobe on the card, the editor paid on the seventeenth. Who files it, and where does the receipt end up? - The inbox holds everything that arrives: quarantined mail, receipts, and the expenses still without paper. - A receipt finds its own payment; a bill from a letter becomes a draft with the file attached. - Uncategorised rows queue up by merchant, each with a suggestion from your own history. - Rows without paper are waived in bulk when there never was any. #### A card for tools and gear, topped up in USDC The wallet holds USDC from a sponsor who paid in stablecoins. Can it pay for Midjourney and SD cards without a bank in between? - A virtual card from a prepaid balance, topped up in USDT or USDC when it runs low. - A card with a ceiling, freeze and block; the issuer's history is checked against what you allocated, so a stray charge shows up the same day. - Refunds are answered in the books on their own. #### What the month may spend, and what is left Subscriptions creep by ten dollars a month and a lens is always on sale. What may the month spend, and what is left today? - Monthly limits per category, what is left of each, what slipped past. - A budget watch tells you before the limit, not after the money is gone. - Unspent budget rolls into next month. #### Every subscription on one calendar Adobe, Epidemic, Descript, Notion, the developer program: what renews this month, and which one nobody has opened since spring? - Everything dated on one page: what is overdue, what falls this week, what is coming in, and where the balance lands at month end. - A row that looks recurring gets a hint; the forecast names the low point and its day. - Ask what got more expensive: the last charge against the typical one before it, in the supplier's currency, with a monthly charge that has no plan and a plan nothing has left on for three periods beside it. Updating the plan to the new price is a press; nothing is cancelled with the supplier, which only the supplier can do. - Rules that watch the books and tell a person: a balance below the line, a budget nearly spent, an invoice due, a connection that stopped syncing. #### You, your editor and your accountant - Founder: Sees four platforms as one figure, sends the sponsor's invoice, and knows the tax estimate before April. - Contractor: The editor is paid from the same book as a contact with a rail, not a seat. - Accountant: Has the month in files, and can look inside the closed period. #### Ask it what your tools cost you now Platforms pay in bursts and subscriptions creep; the composer reads the charges themselves and compares the last with the typical one before it. - Subscriptions that got dearer: The last charge against the typical one before it, in the supplier's own currency, so a month with an extra seat does not read as a rise. A press writes the new price into the plan. - VAT by the day the period closes: What has accrued, and where the period's own pace leads by its last day, with a goal card on the tax account. Nothing here moves money. - Who is overdue, and what next: One line per client: how late the oldest invoice is, the reminders sent, what they promised, and one next step with its reason. Write it down and Send it are a press each. #### Platform earnings, read every day Orla reads daily earnings from eleven platforms, and Dev uses four of them. The bank comes by feed or by statement. #### Read-only keys and your own number - Read-only keys: A platform key reads earnings and payouts and nothing else; a key with payment rights is refused. - Paper: A receipt finds its own payment; rows without paper are waived in bulk when there never was any. - Your own number: Reminders go out on WhatsApp or SMS from your own number, so the sponsor knows who is writing. - Rules: A rule written in words files the next Adobe charge the way the last one was filed, and can be undone. #### Questions ##### Do I have to give Orla my YouTube or App Store password? No. YouTube and the stores connect with a sign-in on the platform that grants read access to earnings; Gumroad and PayPal connect with a key you make there. A key with payment rights is refused, whatever platform it comes from. ##### Is the tax estimate advice? No. It is an estimate from your own rows and the profile you set: jurisdiction, filing status, what you already paid. It is there so the amount to set aside is a figure, not a guess. Your accountant still files the return, with the rows to back it. ##### Does the free plan cover one creator? The free plan has no card and no time limit, and it includes one business space to try. Paid plans start at $25 a month; any single limit can be raised with a pack instead of a plan change, so one person pays for what they use.