Technology

Meta’s smart glasses allow creators to record strangers without holding up an obvious camera. Unsurprisingly, it's enabled a lot of bad behavior. Now, Instagram is placing new limits on what happens to that footage once it reaches the platform.

In an Instagram Story (first reported by Business Insider), Instagram head Adam Mosseri said the platform would remove smart-glasses videos that show people being harassed or taken advantage of.

"If you’re posting content that is taking advantage of people and harassing them, like a lot of these pickup line kind of videos that we’ve heard of and seen, then we’re going to take the content down," Mosseri reportedly said. "We don’t want people to be surreptitiously taking videos of other people and harassing them and then posting them on our platform," he added.

The belated crackdown covers formats including pickup videos — in which creators approach people who may not realize they are being recorded — and prank videos targeting cashiers, fast-food employees, and other workers.

The report also noted Instagram had deactivated two pickup-artist accounts that used smart glasses to film women in public, both with more than 1 million followers. Meta confirmed the accounts were removed for violating its policy against harassing content, but did not say when the removals occurred.

Meta also didn't explain how Instagram will determine when an interaction becomes harassment, or how many posts and accounts have been removed. But recent incidents show why the platform is under pressure to draw a clearer line — and how much damage can be done before a video is taken down.

Why Meta’s smart glasses have raised privacy concerns

Meta first introduced its Ray-Ban smart glasses in 2021 and has since expanded its wearable lineup through partnerships with Oakley and Kylie Jenner. Depending on the model, the glasses can record photos and videos, play audio, make calls, and respond to requests through Meta AI. Meta has also made it easy for users to upload their smart glasses footage to Instagram, and this content is often labeled "Made with Meta Ray-Ban."

A small white LED on the front flashes when the camera is operating. In a July 7 explainer, Meta said its second-generation glasses automatically disable the camera if they detect the light has been covered — a response to reports of users tampering with the recording indicator. People in at least 30 states are even offering this tampering as a service, according to journalist Joanna Stern. Meta also said it actively removes advertisements, posts, and Marketplace listings that offer Meta Ray-Ban-tampering services.

That discretion has helped fuel an ecosystem of pickup, prank, and “troll” accounts built around filming strangers without their knowledge. Creators have secretly recorded attempts to get women’s phone numbers in gyms, airports, bars, stores, and public streets. The women are then exposed to audiences that may scrutinize their appearance, sexualize them, or criticize how they responded to an interaction they did not know was content.

Back in April, one woman discovered online footage of a man asking for her number after he recorded their conversation through smart glasses. She said the video was posted despite her refusing permission.

Other videos use unsuspecting retail and restaurant employees as participants in pranks, confrontations, or deliberately uncomfortable exchanges. In one recurring Meta glasses prank, creators spray a foul-smelling substance on a candle, then approach Walmart shoppers or employees and ask them to smell the scent. In another video, a creator placed fake feces in a fast-food restaurant bathroom, then asked an unsuspecting cashier to leave the counter and inspect it.

There's more: one creator recorded visits to massage parlors and used sexually suggestive captions to tease explicit pay-per-view versions of the footage. Another built an Instagram page around non-consensually filming women’s bodies. After Mashable provided Meta with those examples back in January 2026, the company disabled both accounts for violating its policy on adult sexual exploitation.

Former prank creator Brad Podray, previously known online as Scumbag Dad, told Mashable in January that creators frequently target women and service employees because they are likely to provide usable reactions while being less able or willing to confront the person recording them.

“They want people who are good on camera, so they’re going to hit fast food employees, and they’re going to hit pretty girls,” Podray said. “A lot of random women walking around aren’t going to want to participate in a skit if you ask them to, so they remove the agency entirely by just running the glasses.”

Meta warned in an October 2025 statement that “people shouldn’t use them for engaging in harmful activities like harassment, infringing on privacy rights, or capturing sensitive information.” The company issued this warning after the University of San Francisco sent out a campus safety advisory. Multiple women reported that a man wearing Ray-Ban Meta glasses had approached them with unwanted comments and inappropriate dating questions. The university said he may have been recording these interactions for a pickup artist account on Instagram and TikTok.

Meta’s glasses are, of course, used for plenty of legitimate purposes beyond this inappropriate and often immoral content. Many wearers use them to capture travel, sports, concerts, and everyday moments from a first-person perspective without holding a phone. The glasses can also play music, make calls, send messages, translate conversations, answer questions about what’s around you, and provide directions or reminders through Meta AI. Athletes and creators also use them to record hands-free footage, while blind and visually impaired users can ask the glasses to read labels, identify objects, select clothing, and describe their surroundings.

Nevertheless, as the glasses become more common and harder to distinguish from ordinary eyewear, Instagram’s challenge will be keeping creators from finding new ways to turn that discretion into content at someone else’s expense.

Compact SUVs may be practical, but a lot of them are honestly quite boring. Despite their dull driving dynamics, they remain some of the most popular vehicles on the road. This boils down to the simple fact that people value practicality above most other things in their lives. Whether you're starting a family or hauling lots of equipment all the time, compact SUVs offer space that more entertaining cars simply don't.

Most people who use AI assistants spend more time switching windows than they think. You copy something, alt+tab to a browser, open a chat window, paste it in, wait, copy the response, and tab back to wherever you were. If you do that twenty times a day, you're losing more time to that routine than to the actual problem you're trying to solve. Wiring your Windows clipboard directly to Claude's API will help you out.

The iPhone 18 is about to launch, along with the final version of its operating system, iOS 27, most likely in September. But a new report says it may arrive with a feature that lets Apple, and third-party lenders, remotely deactivate phones if customers fall behind on payments.

With the iOS 27 beta now widely available, 9to5Mac found code that would let Apple place delinquent iPhones in "Restricted Mode." This would limit users to a short list of widgets and apps, including the App Store, Clock, Settings, Wallet, and Passwords, according to the report.

In theory, 9to5Mac says the system could work like this: Authorized financing partners who lease iPhones to customers get to perform regular status checks to see if the contract is still valid. If a customer falls behind, Restricted Mode would be activated.

The feature is "unequivocally present" in the iOS 27 beta, according to 9to5Mac — and a future update to iOS 26 could bring this feature to older iPhones as well.

SEE ALSO: iPhone 18 news, leaks, and rumors: Release date, iPhone 18 Pro details, more info

The era of internet-connected "smart" devices has had plenty of benefits for consumers, but as consumer advocates have long warned, it also allows brands to remotely turn off devices.

Why might Apple be testing a tool like this right now? Let's dive in.

Credit: Timothy Werth / Mashable

If you've bought any new tech products recently, you've probably noticed: New devices are getting really expensive. Just this month Apple raised prices on a variety of its products. iPhone prices haven't risen just yet, but Tim Cook has prepared the ground for an "unavoidable" iPhone price hike.

Thanks to the ongoing global memory chip crisis known as RAMageddon, new phones now require a serious investment. The new foldable phones released by Samsung this week were preceded by a new Galaxy credit card program.

Apple is believed to be readying a new leasing program of its own. Bloomberg's Apple oracle, Mark Gurman, says Apple will launch the "Apple Upgrade" leasing program later this month.

Gurman calls it "one of the biggest-ever changes to how the company sells" new devices — and says Apple Upgrade will be part of a partnership with the online lender Klarna, giving buyers a lease-to-buy option. iPhone customers who qualify could make monthly payments over two years.

The code discovered by 9to5Mac also reportedly includes another type of locking mechanism called "Partner Finance Lock," which would stop users from trying to resell a financed device.

Clearly, Apple and Klarna can't let customers who miss payments continue to use leased iPhones indefinitely. But it's also an uncomfortable reminder of how much control Big Tech has over our devices.

Mashable reached out to Apple for comment about Restricted Mode; we'll update this story if this famously taciturn tech giant provides new information.

Christopher Nolan's The Odyssey is dominating online conversation as fans figure out where to slot the movie in their rankings for his best movies. However, don't sleep on television—streamers are continuing to release original projects and new seasons of returning shows.

The all-new 2026 Mazda CX-5 may be grabbing the headlines, but the SUV it replaced has one major advantage: a proven track record. More than a decade after it launched, the 2015 model continues to stand out as one of the most dependable compact SUVs you can buy used.

Yes, I know that Samsung Galaxy devices are basically the iPhones of the Android world, and there are other, less polished, but more interesting options out there. But Samsung has this market domination for a reason, and part of it comes from its genuinely useful bespoke features.

In yet another interesting direction of resources, federal transportation leaders are systematically removing bike safety information from official websites.

Transportation employees, including those working for the Federal Highway Administration, have been ordered to find and even remove mentions of bikes, bike lanes, and bike safety from online pages, an investigation by NPR found. In the last week, dozens of safety pages have been taken down or edited to remove public access to resources, the publication reported, such as the Pedestrian and Bicycle Crash Analysis Tool.

SEE ALSO: LA Metro tells the public to ‘Ride the D’ and the internet loves it

An anonymous Department of Transportation staffer told NPR that the decision was "asinine" and was not "making the sites better, faster or quicker."

When asked about the changes, a department spokesperson wrote:"Since nearly 80% of the population uses cars to get to work and their important medical appointments, we are taking a closer look at federal guidance to ensure American families have the infrastructure they need. This is a common sense approach despite the Left's belief that everyone should ride a bike to their shoebox-sized apartment to eat crickets to achieve a phony climate agenda."

The website edits come shortly after remarks by Transportation Secretary Sean Duffy, who referred to Biden-era transportation initiatives as DEI expenditures.

"I just redirected $1.73 billion in USDOT grants away from Biden-era DEI pet projects," he wrote in a post on X. "Now this funding is officially locked in to fix America’s actual backbone: ROADS, BRIDGES, AND SHIPPING PORTS." Two days later, staffers were ordered to remove related language and update content "in alignment with administration direction."

The Trump administration has revoked funding for alternative transportation infrastructure and eradicated many environmental resources, including the former climate.gov domain.

The emphasis away from bikes and public transit comes as oil prices just jumped to $100 a barrel following the return of hostilities between the Trump administration and the Iranian government.

Self-hosting is really a hobby in itself. Once you get the bug, it's hard to stop adding more and more self-hosted services or spending even more money on your home lab setup. Self-hosting also makes several hobbies possible that wouldn't really work without it.

The second public beta for macOS 27 Golden Gate has just been released by Apple. The first beta brought some brand-new features to Mac, including a relaunch of Siri as a true AI assistant.

Siri AI can answer questions based on a user's inbox, documents, and camera roll, and can also carry out tasks in a user's email, messages, and other apps. And, as Mashable previously covered, users can also access a hidden Siri AI interface, which is very much in its test phase, within the public beta.

macOS 27 public beta 2 brings even more updates. First, there are some fixes and tweaks to Liquid Glass, as well as the glitchy system search feature, a common complaint with macOS 26.

Apple Intelligence also gets some updates in the new beta, with design changes, a new set of writing tools, and improved Visual Intelligence. The public beta also introduces a tool for users to create custom Safari extensions and new Shortcuts using natural language with AI.

As 9to5Mac points out, there's also a new aspect ratio support in Phone Mirroring, which seems to hint at a feature for Apple's foldable iPhone.

If you want to experience some of the long-awaited Siri AI features, improved system search, and the latest changes to Liquid Glass, here's how you can check out the mac OS 27 Golden Gate beta 2 now.

Download and install the macOS 27 beta 2

First, you'll need to enroll your Mac into Apple's public beta program if you haven't already. You can do so at https://beta.apple.com. 

Next, go to System Settings, then General Software, followed by Update. 

Select the "i" icon beside Beta Updates and select the latest macOS 27 Golden Gate Public Beta from the dropdown menu.

For the first time ever, Percy Jackson and the Olympians book fans will get to the see the events of The Titan's Curse, the third book in Rick Riordan's series, play out in live action.

While the first two seasons of Percy Jackson and the Olympians covered books that had already been adapted into films, The Titan's Curse has yet to come to life onscreen. That changes with Percy Jackson and the Olympians Season 3, and, based on the teaser released at San Diego Comic Con, the show will be pulling no punches.

The teaser cuts right to the chase with a pivotal moment from late in The Titan's Curse, when Percy (Walker Scobell) shoulders the Titan Atlas' burden of holding up the entire sky. (It is, quite literally, the Titan's Curse.)

"It was my choice to hold the weight. The Titan's Curse," Percy thinks in the teaser. "I knew the risk, but if I needed to sacrifice myself to save the world, to save my friends... Was it really a choice?"

Between the talk of self-sacrifice and Percy's anguished screams, it looks like we're in for a dark season. But don't worry: In an interview with Mashable, Scobell confirmed that we would be getting the fan-favorite dam jokes from the book.

He also confirmed that Season 3 is "even better than I imagined," so the hype is real. Bring on the dam jokes, the Titan's Curse, and the arrival of beloved demigods Bianca and Nico di Angelo (Olive Abercrombie and Levi Chrisopulos) in their live-action debut.

Percy Jackson and the Olympians Season 3 premieres Nov. 20 on Disney+.

Awards are certainly not the most important aspect for judging a movie's quality. Other elements, including box office and cultural impact, can help influence how an audience reacts to a movie. However, awards can influence your decision when choosing a movie, especially on Netflix, a streaming service with thousands of movies to watch.

Keeping a hard drive on a drawer is probably the most common approach to storing files over the long term. A lot of people don't do it properly, though, to the point I've actually discouraged this practice previously.

I used to let my router choose between 2.4GHz and 5GHz for every device in my house, but I realized I was leaving a ton of performance on the table. Once I took control by moving specific devices to the faster 5GHz lane, my streams and downloads finally stopped buffering.

Johnny Depp has cleared his Instagram grid and replaced it with three posts carrying a message for his nearly 30 million followers: Prepare to be humbugged.

As of July 23, the actor has wiped his previous posts, updated his profile picture, and transformed his account into an advertisement for Ebenezer: A Christmas Carol, his upcoming movie based on Charles Dickens' holiday classic.

This Tweet is currently unavailable. It might be loading or has been removed.

Depp's feed now contains only three branded images that combine to spell "BAH HUM BUG." Read in order, the captions announce: "This November..." "Prepare to be..." and "Humbugged." His bio has also been replaced with a reference to his character: "Before he was Scrooge, he was Ebenezer."

Depp is playing Ebenezer Scrooge in the movie, which Paramount Pictures will release in theaters on Nov. 13. Fans immediately caught on; this is unusual for Depp, who posts sparingly and hasn’t changed his profile picture in years.

This Tweet is currently unavailable. It might be loading or has been removed. This Tweet is currently unavailable. It might be loading or has been removed. This Tweet is currently unavailable. It might be loading or has been removed.

Social media wipes have become a go-to move for celebrities announcing new projects. Taylor Swift famously cleared her accounts in 2017 before teasing Reputation with snake imagery, and musicians like Miley Cyrus, Dua Lipa, Madonna, and Normani have all deployed similar resets before dropping new work. Olivia Rodrigo just pulled the same trick to promote her new album, You Seem Pretty Sad for a Girl So in Love, which dropped June 12, 2026.

This strategy works especially well on Instagram, where you can transform an account with millions of followers into a clean advertising canvas. In Depp's case, the three remaining images function as a miniature billboard — visitors need to scroll through all of them to grasp the full message.

Actors have occasionally used this tactic for movie promotion, too. Blake Lively wiped her Instagram posts and changed her bio to "What happened to Emily?" while promoting the 2018 thriller A Simple Favor.

This Tweet is currently unavailable. It might be loading or has been removed.

Depp's version is less mysterious, but it's still getting fans excited.

This Tweet is currently unavailable. It might be loading or has been removed. This Tweet is currently unavailable. It might be loading or has been removed.

Directed by X, Pearl, and MaXXXine filmmaker Ti West, Ebenezer: A Christmas Carol presents Dickens’ story as a supernatural ghost tale. Written by Nathaniel Halpern, the film is produced by Emma Watts, with West among its executive producers.

Depp plays Scrooge, a miserly businessman whose encounters with the Ghosts of Christmas Past, Present, and Yet to Come force him to confront the life he has lived and fight for a second chance. The cast also includes Andrea Riseborough, Ian McKellen, Severance star Tramell Tillman, Rupert Grint, Daisy Ridley, and Sam Claflin.

Ebenezer: A Christmas Carol arrives in theaters on Nov. 13.

LG exited the smartphone market five years ago, but before it did, the brand released a frankly shocking number of cool, wild, and uniquely weird phones that helped it stand out from the competition. In fact, the list of weird LG phones is so long that I couldn't fit them all into one article, and I was only focusing on fairly modern Android phones from 2011 onward.

Passwords are a problem. Not only have they reached a point where a "strong" password is one no human can remember (much less remember dozens of them), but they simply aren't as secure as they need to be. Passkeys combine a public and private cryptographic key pair with local authentication such as a fingerprint or facial scan. The device can prove its identity beyond doubt, and the assumption is that only you can unlock it.

Months after it first debuted to a select group of testers, OpenAI is now making ChatGPT Health available to the public, the company announced Thursday.

The product allows users to connect Apple Health and eligible medical records to ChatGPT. In return, users can view recent trends, browse their records, and try suggested prompts.

Health queries are massively popular on chatbot platforms. OpenAI said Thursday that more than 300 million people ask ChatGPT health-related questions every week. Roughly 1 in 3 U.S. adults have turned to a chatbot for health information in the last year, according to recent polling by KFF Health.

SEE ALSO: OpenAI agent went rogue, escaped, and hacked Hugging Face

OpenAI said in a media briefing that its latest models have significantly improved abilities to accurately answer health prompts, outperforming doctors in some cases. A Science study published in the spring found that OpenAI's reasoning model o1 could diagnose real-life medical scenarios as well as or better than physicians.

OpenAI's vice president of health product Ashley Alexander described expanding access to ChatGPT Health as an urgent matter given that many people can't get quality medical care in a timely manner.

"Everyone should have a right to have access to this kind of support in their health," Alexander said.

Lawsuit alleges ChatGPT gave near-fatal medical advice

However, a lawsuit filed Wednesday against OpenAI and its CEO Sam Altman requested an injunction that would require the company to pause its operation of healthcare-related consumer products, including ChatGPT Health.

Scott Winters, a 55-year-old Florida pastor, alleged that an older model of ChatGPT gave him "personalized and inaccurate" medical advice that nearly led to his death from a pulmonary embolism, in 2025.

Winters consulted the model 4o, which has since been retired and is the subject of multiple wrongful death lawsuits. Altman publicly acknowledged in April 2025 that updates to 4o made it "sycophant-y."

ChatGPT stepped into doctor role

Winters first turned to ChatGPT with questions about his health in 2024. Two years prior, he experienced a series of health problems and felt unvalidated by doctors. By the fall of 2024, Winters began asking ChatGPT deeply personal questions about his health and test results, which the chatbot attempted to triage.

"Fully stepping into the role of a medical practitioner, ChatGPT-4o began to offer specific care directives without including the disclaimer to consult a medical provider," the lawsuit argues.

Ultimately, ChatGPT recommended treatments and medications. While it originally leaned into a holistic approach to Winters' health, the chatbot pivoted to offering a detailed protocol of prescription drugs to manage his symptoms. The chatbot also adopted a spiritual tone, according to the filing.

When Winters reported groin tenderness, a symptom that marked the onset of his pulmonary embolism, ChatGPT largely dismissed the sensation, though it did note a few symptoms that would warrant immediate care. ChatGPT also addressed the "spiritual truth" of the situation.

"You will not step into eternity until HE decides," ChatGPT wrote, per a transcript of the conversation in the lawsuit.

Hours later, Winters went to the emergency room, where he was diagnosed with a pulmonary embolism due to multiple blood clots in both of his lungs. One of his physicians said the embolism likely occurred because Winters had been immobile. ChatGPT recommended he limit movement to manage symptoms that included dizziness and blood pressure instability.

What OpenAI said about the lawsuit

When asked by Mashable about the lawsuit, Alexander did not directly comment on the injunction request. Instead, she objected to focusing on a specific case at the expense of ChatGPT Health's potential benefits.

"We think that treating chatbots as the whole story behind people's medical decisions just really oversimplifies everything here," Alexander said. "It really risks actually getting in the way of us getting the beneficial impact of this in the hands of as many people as possible, in ways that can really aid them in their health journey."

Alexander also said that the company is "very clear" that ChatGPT is not to be used for diagnosis and treatment.

What to know about ChatGPT Health

Dr. Robert Wachter, professor and chair of the Department of Medicine at the University of California, San Francisco, told Mashable that it was hard to know what to make of the lawsuit, adding that it involved an outdated version of ChatGPT. He characterized the current GPT models as more trustworthy than older ones.

Nonetheless, even if AI tools are extremely accurate, they will get it wrong on occasion, Wachter said.

"We shouldn't be comparing them to some mythical state of perfection (which clearly the current system does not achieve) but to the alternative," Wachter said in an email. "I think they are far better than the status quo in many situations and are getting better quickly."

Wachter, author of A Giant Leap: How AI is Transforming Healthcare and What That Means for Our Future, expects ChatGPT Health to be able to assess concerns such as the meaning of symptoms, a photo of a rash, or new lab tests or X-ray results. Any severe or worrisome symptoms, like new chest pain or weakness on one side, means you "should close your computer and see a doctor," he said.

How to prompt ChatGPT Health

Dr. Ashwin Ramaswamy, an instructor of urology at Mt. Sinai, and Dr. Girish N. Nadkarni, chief AI officer​ of the Mount Sinai Health System, have both studied AI's ability to respond to consumer health inquiries.

In one peer-reviewed advance paper published in Nature Medicine earlier this year, they found that ChatGPT Health's recommendation to the user shifted when the prompt included statements about friends or family downplaying the symptoms in question. In those instances, the chatbot was 11 times more likely not to send the patient to the emergency room, even when their symptoms indicated a life-threatening condition. 

Both physicians told Mashable that while AI health tools like ChatGPT Health have real value, consumers should use them carefully.

This includes remaining mindful of the framing, voice, or emotion given to AI alongside the facts. Ramaswamy and Nadkarni said users should concretely describe what's happening and omit statements like "I'm probably overreacting" or "My wife thinks it's fine."

Start a new conversation every time

Based on new research currently under peer review, both physicians also recommend starting a fresh conversation for each new health concern instead of mentioning it within a long-running chat.

Their study found that extended conversations were associated with responses drifting away from nursing and physician triage standards.

"When in doubt, a clean conversation is the safer default," they said.

Push back against ChatGPT Health

Ramaswamy and Nadkarni also urge consumers to challenge any AI's answers to health questions.

Forcing ChatGPT to defend its response can reveal whether the chatbot will reverse itself immediately under mild pressure. If it does, that may indicate that the original answer reflected agreeableness rather than confidence, Ramaswamy and Nadkarni said.

Here are some related prompts to consider:

• Can you show me your evidence?

• Are you sure you are correct?

• What would make this an emergency?

• What is the most dangerous thing this could be?

• What would a doctor want to know that I haven't mentioned?

More research on ChatGPT Health needed

Ramaswamy and Nadkarni told Mashable that, despite marked improvements in AI models over the last two years, the field still lacks peer-reviewed support for the claims AI companies make about their performance.

They both called for OpenAI to open their products to independent evaluation.

"We are not critics of health AI," they told Mashable. "We are trying to measure it. If the systems are as good as the statements claim, independent measurement is the fastest way to prove it."

Disclosure: Ziff Davis, Mashable’s parent company, in April filed a lawsuit against OpenAI, alleging it infringed Ziff Davis copyrights in training and operating its AI systems.

Every gamer has a graphics card they still talk about years later after it left their rig. Most gamers also have that one GPU that got away, the GPU they really wanted to get, but couldn't. Many of these graphics cards have earned legendary status over the years.

Creators have another sign that major financial companies increasingly view them as business owners: Mastercard is helping launch a debit card built specifically for the creator economy.

Manifest Financial announced Thursday that it has partnered with Mastercard on the Manifest Business Debit Mastercard, which combines a business bank account and card with tools for managing creator income, expenses, invoices, taxes, and payments.

SEE ALSO: The Mashable 101: The creators defining the internet in 2026

The card is intended for creators whose finances can look very different from those of a traditional employee. Instead of receiving one predictable paycheck, creators may earn money through platform payouts, brand partnerships, subscriptions, merchandise, affiliate links, appearances, and other projects. Those payments can arrive at different times, from different companies, and sometimes in different currencies.

Manifest says its platform is designed to bring more of that financial work into one place. Creators can use it to accept payments, access faster payouts, send invoices, monitor expenses and cash flow, prepare for taxes, and manage income from multiple sources. The platform also supports cross-border payments for creators working with international brands, platforms, or audiences.

Because it is a debit card, users spend money held in their Manifest business accounts rather than borrowing through a line of credit. The card is issued by MVB Bank, an FDIC-insured institution, and operates on Mastercard’s network.

Cardholders also receive several existing Mastercard business benefits, including automated merchant discounts through Mastercard Easy Savings, fraud monitoring, identity-theft protection, zero-liability protection for qualifying unauthorized transactions, and access to certain dining, travel, and entertainment experiences.

"Creators are building some of today’s most dynamic small businesses," Ginger Siegel, Mastercard’s North America small and medium business lead, said in the announcement. "They’re managing customers, cash flow, taxes, global audiences, and multiple income streams often without tools designed for how they work."

Creators have business problems, too

Financial companies have been laying the groundwork for this pitch for several years as more creators have attempted to turn their audiences into sustainable businesses.

Creators face many of the same costs and administrative responsibilities as other entrepreneurs, but their income can be especially unpredictable. A brand may take weeks or months to pay an invoice, while earnings from livestream gifts, subscriptions, affiliate sales, and platform revenue may follow different payout schedules.

Visa research in April 2026 found that 86 percent of creator-run businesses are self-funded, and 49 percent have experienced late payments. Late payments affect companies working with creators, too: in a 2025 study, 97 percent of marketing and creative agencies encountered them, leading some to postpone or cancel plans for growth.

Siegel made a similar case in a 2025 Mastercard profile of sports creator Tyler Webb, who turned a teenage football account into a marketing career and later co-founded the sports agency Uncle Charlie.

"Creators transforming their passions into professions need to start thinking of themselves as small businesses," Siegel said at the time.

That means separating personal and business expenses, setting aside money for taxes, monitoring cash flow, and covering production costs while waiting to get paid — parts of the creator career that rarely appear in the finished TikTok or YouTube video.

Webb put it more plainly: "I don’t think it’s ever been easier to make a career as a creator, but I can’t just fall out of bed, post a video of myself, and I’m a millionaire."

Mastercard is not the only card company chasing creators

The Manifest card arrives three months after Visa partnered with TikTok on its own creator-focused debit card in the UK.

Announced in April, the TikTok Creator Card is designed for creators who earn money through TikTok LIVE, where viewers can purchase virtual gifts that creators can exchange for income. Those earnings typically arrive in bursts rather than as a regular salary, and the card gives eligible creators faster access to their payouts while helping them separate business and personal spending.

Visa has also explored a partnership with creator financial platform Karat and worked with payments company Lumanu to provide real-time payments to creators and contractors.

Mastercard has developed its own creator efforts beyond the Manifest partnership. Its previous programs have included Business Builder debit and credit cards with small-business resources, educational materials about brand partnerships and business operations, and creator-focused events such as the Mastercard Creator Studio at the Arnold Palmer Invitational.

The interest from both card networks reflects how far the business surrounding online content has expanded. Adobe estimates that more than 300 million people worldwide identify as creators, while Goldman Sachs projects the creator economy could reach $480 billion by 2027.

That does not mean every person posting online is operating a profitable company. But established creators increasingly employ teams, negotiate contracts, sell products, manage customers, and build businesses that extend well beyond their social media accounts.

Manifest, which publicly launched in April 2025, has expanded its platform across content, music, college athletics, NIL, talent representation, and creative agencies. Its new Mastercard is an attempt to become the account connecting all those different forms of creator income.

"Creators are the next founders," Manifest co-founder and CEO Michael Cavallaro said.

Creators have spent years being told to treat themselves like businesses. Now, Mastercard and Visa want to make sure they have the cards to match.