WHY IT'S FREE FOR YOU
Agencies pay. You don't. That's the model.
Cognitiva charges agencies for the compliance record system. Creators get all the benefits — faster payment, legal protection, automatic compliance checking — for free. Because the record without the creator in it is just an agency spreadsheet.
Agencies pay for compliance.
They need the documentation trail for their brand clients, auditors, and EU regulators. You benefit because it includes your approvals and your payments.
Your data is yours.
The record of your work belongs to you. Export it, take it to a new agency, use it to dispute a payment. Your execution history — portable and permanent.
The network needs you.
A cognitive record without the creator is just an agency spreadsheet. Your participation is what makes it evidentiary. That's worth something — so we don't charge for it.
WHAT YOU ACTUALLY GET
Five things that change when you work with a Cognitiva agency in the EU.
Paid in 10 seconds. Not 30–60 days.
SEPA INSTANT · 10 SECONDS · EU REGULATION 2024/886EU Regulation 2024/886 makes SEPA instant transfers mandatory for all euro banks since October 2025. Funds must be available within 10 seconds, 24/7/365. No surcharge vs standard SEPA. The moment a brand director approves, Stripe automatically triggers your EUR payment via SEPA Instant. No accounts payable queue. The approval IS the payment trigger. For creators currently waiting 30–60 days, this isn't a marginal improvement — it's a different business.
EU regulations you used to need a lawyer to understand. Now automatic.
GDPR · DSA · LOI INFLUENCEURS · AUTOMATICFrance's Loi Influenceurs carries fines up to €300,000 plus possible imprisonment. GDPR maximum fines reach €20 million or 4% of global turnover. DSA mandates real-time disclosure of commercial partnerships. Germany's UWG requires written contracts. Cognitiva captures consent at brief acceptance, disclosure status per post (#ad visible, prominent), and approval proof per deliverable — automatically, while you work.
The record proves you delivered. Every time.
CRYPTOGRAPHIC PROOF · IMMUTABLEWhen a brand says 'we never approved that revision' — the record says when, who, via which tool. The approval is cryptographically signed and held in independent in-region EU custody. Neither party can amend it. Disputes end at the record, not in a Slack thread.
VAT receipts and tax metadata. One click in December.
VAT · TAX · SIMPLIFIEDEvery payment carries structured VAT and tax metadata at disbursement. Year-end, VAT filings, fee receipts — exportable by campaign, by agency, by date. The hunt through four different portals for your accountant is over.
A German creator. Booked from Dubai, New York, Singapore.
CROSS-BORDER BUSINESS · FROM DAY ONECognitiva agencies operate across GCC, USA, Canada, EU, LATAM, APAC, and Africa. Your verified EU record — delivery rate, brief alignment, compliance history — is bookable by a Dubai agency or a New York brand without starting from scratch. The record is your passport.
10-SECOND PAYMENT · EU REGULATION 2024/886
SEPA Instant. Because 30 days in the EU has been illegal since October 2025.
10 seconds. Not 3 days. Not 30.
EU Regulation 2024/886 makes SEPA instant transfers mandatory for all euro banks. Funds must be available within 10 seconds — 24/7/365. Cognitiva triggers your EUR payment at the approval moment. No weekend. No bank holiday. No 'we'll process this Monday'.
Same money. Instantly.
The regulation prohibits surcharges for instant payments. SEPA Instant cannot cost more than standard SEPA. For creators: faster payment at identical terms. No hidden cost for priority.
Your account. In your bank.
No new accounts, no new apps, no crypto wallets. SEPA Instant pays into your normal euro bank account. The money is immediately available — not pending in a payment platform balance.
SEPA instant transfers mandatory for all euro banks since October 2025. Funds available within 10 seconds, 24/7/365. No surcharge. Cognitiva triggers via Stripe SEPA Instant — at the moment of approval.
EU COMPLIANCE · AUTOMATIC
Regulations that used to terrify creators. Now solved automatically.
General Data Protection Regulation
Consent documented at data collection. Right of access answered in hours, not weeks. Fines up to €20 million or 4% annual turnover. Cognitiva captures consent at brief acceptance — not reconstructed at audit.
Digital Services Act
Article 26 DSA requires real-time platform disclosure of commercial communications. Cognitiva captures disclosure status (#ad visible, prominent) per post per platform as a first-class event — your evidence in any DSA investigation.
French Influencer Law 2023
Up to €300,000 fine plus possible imprisonment. #partenariat rémunéré or #publi must be immediate and prominent. Prohibitions on financial products/crypto/gambling. Cognitiva tracks disclosure status per post.
German Act Against Unfair Competition
Written contracts mandatory. Undisclosed advertising = unfair commercial practice. Cognitiva captures contract acceptance and disclosure status as signed, immutable events.
Instant Payments Regulation
SEPA instant transfers within 10 seconds, 24/7/365. No surcharge vs standard SEPA. Mandatory for all euro PSPs since October 2025. Cognitiva triggers your EUR payment via Stripe SEPA Instant at the moment of approval.
VAT and cross-border reporting
Structured VAT metadata captured per payment event. Exportable for your annual return. VAT-OSS-compliant datasets for cross-border campaigns. Your accountant gets one query, not months of hunting.
HOW IT WORKS · THREE STEPS
Your workflow. Unchanged. The record appears automatically.
You don't install anything. You don't change how you work. You just get paid faster and have proof of everything.
Agency sends brief. You accept.
The brief arrives via email, Slack, or your project tool. When you accept, Cognitiva captures: brief version, your acceptance, timestamp, legal basis. GDPR consent documented. You don't notice a thing.
You deliver. Brand approves.
You publish and notify the agency. The brand director approves inside the Cognitiva system. That approval is signed, time-stamped, and locked. Disclosure status (#ad/#sponsored visible) captured as an event. Nobody can change it.
Payment triggers. 10 seconds.
The approval event automatically triggers your EUR payment via SEPA Instant. Funds available within 10 seconds — 24/7/365 per EU Regulation. You receive confirmation with amount and campaign details.
LEGAL PROTECTION
The record that ends the 'we never approved that' conversation.
WHAT FREE MEANS
No subscription. No commission. No catch.
WHAT WE DON'T DO
WHAT YOU GET, FREE
Cognitiva is paid by agencies. Creators are free. This structure is permanent, not a promotion.
GET STARTED · FREE · 2 MINUTES
Your next payment. 10 seconds.
Create your free creator account. Your agency will connect you to the record automatically when the next campaign starts. You don't install anything. You just get paid faster — and stay compliant automatically.
Get your free account →FREE · NO CARD · NO CATCH · ALWAYS