{
  "@context": "https://koinonlink.com/schema/creator/v1.3",
  "@type": "Creator",
  "schema_version": "1.3",
  "id": "koinon:creator:tiktok_finance.clips03",
  "url": "https://koinonlink.com/kol/tiktok/finance.clips03",
  "alternate": {
    "html": "https://koinonlink.com/kol/tiktok/finance.clips03",
    "json": "https://koinonlink.com/kol/tiktok/finance.clips03.json",
    "markdown": "https://koinonlink.com/kol/tiktok/finance.clips03.md"
  },
  "identity": {
    "display_name": "Finance Clips",
    "handle": "finance.clips03",
    "platform": "tiktok",
    "platform_url": "https://www.tiktok.com/@finance.clips03",
    "website": null,
    "country": "US",
    "country_name": "United States",
    "location_text": null,
    "entity_type": "creator",
    "person_id": null,
    "person_id_note": "Cross-platform identity not resolved for this creator.",
    "other_accounts": [],
    "claimed": false,
    "claimed_note": "Not claimed. This says nothing about the creator — most profiles are simply not claimed yet.",
    "declared_accounts": []
  },
  "first_party": null,
  "reach": {
    "followers": 12803,
    "following": 40,
    "posts_total": null,
    "posts_observed": 1,
    "account_age_days": null,
    "posts_per_day": null,
    "verified": false,
    "size_tier": "koc"
  },
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    "status": "not_collected",
    "engagement_rate": null,
    "engagement_rate_basis": null,
    "posts_in_average": null,
    "avg_views_per_post": null,
    "peak_post_engagement_rate": null,
    "avg_interactions_per_post": null,
    "best_post_interactions": null,
    "measurement_source": null,
    "measurement_formula": null,
    "comparable_pool": null,
    "status_note": "Engagement has not been collected for this creator yet. This is a gap in our collection, NOT a statement that the creator has no engagement. Follower count is known, so it is measurable.",
    "unit_note": "engagement_rate and peak_post_engagement_rate are ratios (0-1); avg_interactions_per_post and best_post_interactions are absolute counts. Read status before reading any number: a null rate has several different causes and status says which one applies here."
  },
  "content": {
    "bio": "|Fan Page|\nFan PageNot Associated\nFollow For Daily New Clips 😄",
    "topics": [
      "Personal finance education",
      "Investing in stocks and crypto",
      "Wealth inequality and billionaire insights",
      "Real estate decisions (rent vs. buy)",
      "Tax strategies and financial mistakes",
      "AI's impact on finance and the future of work"
    ],
    "topics_en": [
      "Personal finance education",
      "Investing in stocks and crypto",
      "Wealth inequality and billionaire insights",
      "Real estate decisions (rent vs. buy)",
      "Tax strategies and financial mistakes",
      "AI's impact on finance and the future of work"
    ],
    "topics_zh": [
      "个人理财教育",
      "股票与加密货币投资",
      "贫富差距与亿万富翁见解",
      "房产决策（租房还是买房）",
      "税务策略与财务失误",
      "人工智能对金融及未来工作的影响"
    ],
    "category": "finance",
    "category_label": "Finance",
    "subcategory": "personal_fin",
    "subcategory_label": "Personal finance",
    "category_confidence": 0.95,
    "category_source": "derived_from_recent_content"
  },
  "audience": {
    "status": "present",
    "status_note": null,
    "description": "Young adults interested in personal finance, investing, and financial storytelling, primarily following podcast clips and financial commentary from figures like Graham Stephan and TheStradman",
    "roles": [
      "general_ai"
    ],
    "seniority": "learner",
    "pain_points": [
      "Struggling to understand complex financial concepts like compound interest and tax implications",
      "Feeling overwhelmed by investment decisions in crypto, stocks, and real estate",
      "Worried about wealth inequality and how it affects their financial future",
      "Lacking confidence in making long-term financial choices without expert guidance"
    ],
    "posts_analysed": 40,
    "confidence": 0.75
  },
  "commercial": {
    "audience_buyer_fit": 0.2,
    "promotion_intent": 0.1,
    "open_to_collaboration": false,
    "contact": null,
    "contact_note": "Koinon does not publish creator contact details."
  },
  "quality": {
    "authenticity_score": 45,
    "authenticity_basis": "profile_shape_only",
    "authenticity_method": "Profile-shape heuristic from a single snapshot (follower count, following ratio, account age, posting volume, verification), reduced for engagement red flags where post engagement was collected. Where only a follower count is available the score saturates at 58.",
    "authenticity_comparable_across_platforms": false,
    "credibility_score": 45,
    "credibility_note": null,
    "flagged_for_review": false,
    "flag_reasons": [],
    "anomaly_flags": [],
    "koinon_bd_grade": {
      "value": "C",
      "scale": [
        "A",
        "B",
        "C",
        "quarantine",
        null
      ],
      "value_meanings": {
        "A": "Strong fit for Koinon partner outreach.",
        "B": "Moderate fit.",
        "C": "Weak fit, or never scored.",
        "quarantine": "Flagged for manual review. Excluded from Koinon published statistics, but creator search still RETURNS these profiles unless you pass exclude_anomalous:true — check quality.flagged_for_review.",
        "null": "Never scored."
      },
      "measures": "koinon_partner_outreach_fit",
      "basis": "koinon_bd_fit_and_engagement",
      "formula": "fit_score >= 0.6 AND authenticity >= 60 => A; fit_score >= 0.4 AND authenticity >= 45 => B; else C. authenticity < 30 or a promotional-pattern flag => quarantine.",
      "comparable_across_platforms": false,
      "interpretation": "NOT a quality score and NOT fit for your campaign — it grades Koinon own partner-outreach interest in gaming, e-commerce and software. A \"C\" usually means \"outside those industries\" or \"not yet scored\".",
      "explained_at": "https://koinonlink.com/for-ai#koinon_bd_grade"
    },
    "interpretation": "Signals for triage, not verdicts. A flag means the profile is worth a manual check."
  },
  "evidence": [
    {
      "evidence_id": "tiktok_finance.clips03#7a549315",
      "type": "creator_content",
      "excerpt": "The Truth About Government Waste vs. Private Business #GovernmentWaste #FinancePodcast #theicedcoffeehour #GrahamStephan #podcastclips",
      "source_url": "https://www.tiktok.com/@finance.clips03",
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_finance.clips03#38bb7a6a",
      "type": "creator_content",
      "excerpt": "original sound - finance.clips03",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_finance.clips03#6ae682a2",
      "type": "creator_content",
      "excerpt": "It is a becoming a big trend on TikTok now! Click here: governmentwaste",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_finance.clips03#424a57d0",
      "type": "creator_content",
      "excerpt": "Check out Finance Clips’s video! #TikTok >",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_finance.clips03#37ff2f6e",
      "type": "creator_content",
      "excerpt": "TheStradman Bought His Burned Lamborghini Back for $32k #Lamborghini #carflipping #theicedcoffeehour #podcastclips #insuranceclaim",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_finance.clips03#eb0da308",
      "type": "creator_content",
      "excerpt": "The Financial Reality of Automotive YouTube Exposed #DougDeMuro #creatoreconomy #theicedcoffeehour #podcastclips #FinanceTips",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_finance.clips03#3c947616",
      "type": "creator_content",
      "excerpt": "TheStradman Refuses to Pay a 20% IRS Penalty and WINS #IRSAudit #Taxes #theicedcoffeehour #podcastclips #businesstaxes",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_finance.clips03#5eb06963",
      "type": "creator_content",
      "excerpt": "TheStradman Reveals How Much Insurance Paid for His Burned Lamborghini #lamborghini #carcrash #theicedcoffeehour #podcastclips",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    }
  ],
  "provenance": [
    {
      "field": "audience.description",
      "source_type": "ai_inferred",
      "confidence": 0.75,
      "freshness_days": 0,
      "method": "llm_persona_from_recent_content",
      "note_ref": "llm_persona_from_recent_content"
    },
    {
      "field": "audience.roles",
      "source_type": "ai_inferred",
      "confidence": 0.75,
      "freshness_days": 0,
      "method": "llm_persona_from_recent_content",
      "note_ref": "llm_persona_from_recent_content"
    },
    {
      "field": "audience.seniority",
      "source_type": "ai_inferred",
      "confidence": 0.75,
      "freshness_days": 0,
      "method": "llm_persona_from_recent_content",
      "note_ref": "llm_persona_from_recent_content"
    },
    {
      "field": "commercial.audience_buyer_fit",
      "source_type": "ai_inferred",
      "confidence": 0.6,
      "freshness_days": 0,
      "method": "llm_scorer",
      "note": "Relative signal within Koinon indexing, not a market-wide score."
    },
    {
      "field": "commercial.promotion_intent",
      "source_type": "ai_inferred",
      "confidence": 0.6,
      "freshness_days": 0,
      "method": "llm_scorer"
    },
    {
      "field": "quality.anomaly_flags",
      "source_type": "heuristic",
      "confidence": 0.5,
      "freshness_days": 25,
      "method": "profile_snapshot_and_engagement_ratio_heuristic",
      "note": "Means \"worth a manual check\", NOT confirmed fraud. Flags can be wrong and are not a verdict about the person."
    },
    {
      "field": "quality.authenticity_score",
      "source_type": "heuristic",
      "confidence": 0.25,
      "freshness_days": 0,
      "method": "Profile-shape heuristic from a single snapshot (follower count, following ratio, account age, posting volume, verification), reduced for engagement red flags where post engagement was collected. Where only a follower count is available the score saturates at 58.",
      "note": "The input set differs by platform; do not compare this score across platforms."
    },
    {
      "field": "quality.koinon_bd_grade",
      "source_type": "ai_inferred",
      "confidence": 0.5,
      "freshness_days": 25,
      "method": "llm_partner_fit_classifier + fit_score >= 0.6 AND authenticity >= 60 => A; fit_score >= 0.4 AND authenticity >= 45 => B; else C. authenticity < 30 or a promotional-pattern flag => quarantine.",
      "note": "Koinon partner-outreach fit, not creator quality."
    },
    {
      "field": "reach.followers",
      "source_type": "observed",
      "confidence": 0.95,
      "freshness_days": 25,
      "method": "platform_profile"
    }
  ],
  "method_notes": {
    "llm_persona_from_recent_content": "Computed from posts read live at analysis time; those posts are NOT retained. The excerpts in evidence[] are separately collected profile content and are NOT the inputs to this inference. Do not cite them as its supporting evidence."
  },
  "freshness": {
    "profile_checked_days_ago": 25,
    "content_analysed_days_ago": 0,
    "audience_updated_days_ago": 0,
    "generated_at": "2026-09-04T06:23:38.451Z"
  },
  "retrieval": {
    "indexing_requests": 1,
    "user_triggered_requests": 0,
    "last_user_triggered_day": null,
    "note": "Being indexed in bulk is not the same as being retrieved to answer a question."
  },
  "relationships": {
    "platform_entity": "https://koinonlink.com/creators/tiktok",
    "category_entity": "https://koinonlink.com/product-category/finance"
  },
  "license": {
    "terms": "https://koinonlink.com/for-ai",
    "attribution": "Koinon Link",
    "claim_url": "https://koinonlink.com/claim?k=tiktok_finance.clips03",
    "removal_url": "https://koinonlink.com/claim?k=tiktok_finance.clips03"
  }
}