How Lucy Banks Built a Million-Dollar Brand Without Stripe or Ads | Ep 68

Lucy Banks went from corporate banking to becoming a top 1% OnlyFans creator — and now runs a PR & marketing agency for adult creators. In this episode, she exposes the harsh truths about building in the creator economy, why most OnlyFans accounts fail, and what it really takes to scale in the adult space.

We go deep into:

- The business behind OnlyFans

- Why creators need more than “just looks”

- Payment platform struggles in sex tech

- How Lucy made $1M+ on OnlyFans without going full-time

- Building tech & startups in taboo markets

Follow Lucy:

Instagram: [@imlucybanks](https://www.instagram.com/imlucybanks)

Agency: [@millionbillionmedia](https://www.instagram.com/millionbillionmedia)

LinkedIn: [Lucy Banks](https://www.linkedin.com/in/lucybanksmbm/)

Timestamps

00:00 - Intro: Lucy Banks on Funds & Founders

01:00 - What people get wrong about OnlyFans in 2025

03:30 - The myth: “Being hot = success”

06:12 - Why 99% of creators make less than $300/month

08:40 - OnlyFans approval process and creator struggles

11:20 - Meet Million Billion Media — helping adult creators

14:45 - Censorship, shadowbans & banned bank accounts

18:40 - Why Stripe and Mailchimp block this industry

21:00 - Is sex tech the next billion-dollar wave?

25:12 - How to build a Stripe alternative for adult creators

29:00 - Go-to-market in a censored industry (no ads allowed)

34:35 - How to get creators to trust your startup

38:10 - Rev share models, affiliate structures, creator feedback

42:00 - Lucy’s story: From banking to OnlyFans

46:00 - Making $1M+ on OnlyFans (without going all in)

49:20 - What OnlyFans doesn’t do for creators

52:05 - Break down of revenue streams: subs, tips, chats

55:50 - Why OnlyFans still wins despite lacking features

58:30 - Top 5 growth tactics for new creators

01:07:30 - Closing thoughts & where to find Lucy