Launch HN: Art in Res (YC W20) – Buy art directly from artists

410 points by JohnFriel ↗ HN
Hi HN,

I’m John Friel, cofounder of Art in Res (https://artinres.com). Art in Res is an online marketplace where painters sell their art directly to buyers, instead of needing to work with an art gallery.

I studied art and moved to New York in 2008 dreaming of making it as an artist. It wasn’t easy. I lived in a maybe-legal warehouse space that doubled as a poorly-ventilated art studio. My first day job was stocking shelves at Trader Joe’s, which covered my rent and groceries but, at New York prices, not much else.

My best friend in NYC had a side hustle making artist websites by hacking them out on top of WordPress. He was great at it. Through that side-hustle, he got approached to make an online store for a small business. Shopify wasn’t wasn’t widely known back then and he needed help. So he proposed to me: “Hey John, I know you have a nerdy side. Do you think you could learn to program and we could make the website together?” I told him “No way! That’s crazy! It would take me years to learn to program!” But he said “Look, there’s this new thing called Ruby on Rails. At least just Google that before you say ‘no’”. So I did a Rails tutorial and thought “Hmm, maybe I _could_ do this.” We accepted the gig and I’ve been a happy coder ever since. (We did _not_ ship the site on time.)

I’m all in on coding now, but most of my artist friends are still making art, and still working day jobs. Their studios are full of amazing paintings that barely anyone gets to see. And for every one of my friends there are a thousand other artists out there, cranking out amazing work and not selling it because they don’t have galleries selling it for them.

A couple years ago, my cofounder John (we’re both named John) told me that he had bought a painting from an artist he’d met. He couldn’t believe how great the paintings were, how cool the artist was, how the artists’ studio was this cool warehouse space that was overflowing with unsold paintings. He knew me as a programmer – but wasn’t I a painter before that? He had the idea that we could put our experiences together and make a website where people could buy art from all the amazing but not-famous artists around them.

We started Art in Res as a nights-and-weekends project. We found lots of people who liked the idea of buying art – but we also realized that most people who aren’t hardcore art collectors think that paying over $100 for a painting is hard to swallow. The thing is though, that paintings are made by hand, often painstakingly over long periods of time, and so they don’t benefit from the economics of scale that create the prices that modern consumers expect.

We resolve that by having our buyers purchase art on _installment plans_, where each payment results in a payment to the artist. In normal circumstances, revenue for artists tends to be spiky and unpredictable. Once an artist on Art in Res gets a couple installment plans going, they have a nice, predictable revenue stream. And a buyer who is purchasing this way gets to live with a unique, hand-made painting for ~$30-60 per month. It works really well for both parties.

We’re working on Art in Res full-time now and our team has grown to 5 people (all creatives in some capacity or another.) We’re John, Dan, Noni, Emily and me. We think art should be affordable and artists should get paid. There’s so much amazing art out there, collecting dust in studios. It deserves to find loving homes. <3

Thanks so much, and we can’t wait to hear your thoughts!

PS - I’ve been lurking HN for close to a decade and this is thrilling for me!

234 comments

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Someone in YC made Artix! (I kid)
What's that?
The failed startup Paul Graham did before the one that took off. It was putting art galleries online. Obviously you’re different, but it was close enough to make me laugh. Someone replied to me with the story.
Looks like you've made the first Artix reference on HN in 7 years:

https://hn.algolia.com/?dateRange=all&page=0&prefix=false&qu...

(The name has since been used for a Linux distro and a FPGA board, but HN Search supports omitting terms.)

A revived link to the site made pg go "Holy shit." in 2007. That doesn't happen often either:

https://news.ycombinator.com/item?id=46411

Whilst searching, I ran across another Artix ("In 2002 I created the original AdventureQuest"). Also cool!

https://news.ycombinator.com/item?id=21245308

That’s nuts. I would have taken 50 to 1 odds that it wasn’t that long.

To me, this proves that HN isn’t really full of pg fanboys. It’s like knowing the flop album an artist released before their first hit.

Short enough to copy and paste. Here it is, from http://paulgraham.com/bronze.html

# The Artix Phase

We should have expected this. It's very common for a group of founders to go through one lame idea before realizing that a startup has to make something people will pay for. In fact, we ourselves did.

Viaweb wasn't the first startup Robert Morris and I started. In January 1995, we and a couple friends started a company called Artix. The plan was to put art galleries on the Web. In retrospect, I wonder how we could have wasted our time on anything so stupid. Galleries are not especially excited about being on the Web even now, ten years later. They don't want to have their stock visible to any random visitor, like an antique store. [2]

Besides which, art dealers are the most technophobic people on earth. They didn't become art dealers after a difficult choice between that and a career in the hard sciences. Most of them had never seen the Web before we came to tell them why they should be on it. Some didn't even have computers. It doesn't do justice to the situation to describe it as a hard sell; we soon sank to building sites for free, and it was hard to convince galleries even to do that.

Gradually it dawned on us that instead of trying to make Web sites for people who didn't want them, we could make sites for people who did. In fact, software that would let people who wanted sites make their own. So we ditched Artix and started a new company, Viaweb, to make software for building online stores. That one succeeded.

We're in good company here. Microsoft was not the first company Paul Allen and Bill Gates started either. The first was called Traf-o-data. It does not seem to have done as well as Micro-soft.

In Robert's defense, he was skeptical about Artix. I dragged him into it. [3] But there were moments when he was optimistic. And if we, who were 29 and 30 at the time, could get excited about such a thoroughly boneheaded idea, we should not be surprised that hackers aged 21 or 22 are pitching us ideas with little hope of making money.

Wow, this blew my mind! I read all the pg essays when I first started programming so I must have read this at some point!
I like the concept. It looks like, though, your business is not art but financing. Very interesting twist.

Do you charge a fixed fee or a %?

We take a percentage. For a given sale, 70% goes to the artist and 30% goes to the platform.
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That's a pretty large cut. What stops a user from just messaging the artist directly and buying the work from them directly for a lower price?
This is a pretty common pushback on marketplaces in general, but in my experience working on several, this only happens in specific situations. I doubt it would be much of a problem for Art in Res, namely because:

1. With higher price points, the security and financial services of the platform become more valuable. Installment payments, for instance, would likely be beyond the abilities of many artists to orchestrate. The platform also likely provides some guarantee on the buyer side that all that money won't go missing and that the product will be delivered as expected.

2. The platform will usually have some language in their agreement that makes off-platform contracts with people you discovered in-platform punishable. If you've ever used a hiring platform like Hired or A-List, you'll know that these fees are persuasive.

With cheaper platforms like UpWork, I'm sure this kind of thing is common, but on more expensive market places it isn't as pervasive as one might think.

Art has a long history of patronage, e.g. from da vinci to Jasper Johns. So it didn't come as a surprise to me
Through friends, I've become a little acquainted with the art industry and how collections happen and get shown in the most general terms.

I feel like Etsy used to be a place where individual creators created things… and now it's mostly used by industry professionals with a specific vibe or aesthetic feel.

Is the thing that distinguishes Art in Res from something like Artsy that you're buying directly from the artist? How do you all plan to deal with, for example, galleries that might want to use or abuse this platform?

Etsy used to be full of actual creators, now it is full of drop-shippers who sell premade junk.

There are outliers, but it's not unusual to see art being churned out by factories, or shops full of stuff from AliExpress.

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How do you make sure the buyers will keep paying even after receiving the artwork? You don't keep the money in escrow or anything like that, do you?

Is there a way, as a buyer, to figure out how much shipping would cost?

If someone stops paying, they're required to return their artwork (we even used to frame the relationship as a "rental"). In the case of a truly bad actor that stops paying and goes MIA, we make sure the artist gets paid, even if it's a loss for us.

For now, we charge a flat price for domestic shipping (with two tiers based on parcel size.) A near/medium-term goal is to integrate with shipping APIs for more nuanced shipping prices.

Be careful with insurance as they may consider this voluntary parting as opposed to theft if someone refuses to pay and refuses to return the painting
Can you elaborate on what 'take' and 'total payout' are, and how they relate to each other and the total price of an artwork?
Overall, I like the selection and I hope it goes well. It is genuinely hard to find something good that won't break your budget anywhere else. I am not sure if it was intended by filters on left side are grayed out for me ( took a while before I realized I could change them anyway ). Good luck!

edit: side note/question. Any plans for including sculptures?

Thank you! This is great feedback. The filters are lower contrast because we want the attention to stay on the art. But they might be too low-contrast and introduce usability problems.

We love sculpture and we're really excited to have it on the site. Sculpture is tricky, though, because shipping is usually more expensive and it's trickier to pack sculptures in a way that keeps them safe. That said, we're gradually rolling it out. We have a tiny number of sculptures on the site right now and we're going to add more as we get more confident in shipping them.

Oooh, I just assumed one of my plugins had broken it and didn't even care to try.
I couldn't find a search anywhere, wanted to see if I could find some fanart for some of my favorite horror games like Bloodborne or Dark Souls. I hope you add it soon, I've been looking for a place to buy stuff like this.
I'd be surprised to see video game stuff pop up here, but you may want to check out Fangamer.com and iam8bit.com .
I would personally love to see more video game inspired art, there are so many great styles we're yet to have applications for as we're still a relatively new site. We carefully consider all styles of art when artists apply.

If you are interested we have an artist on the site currently that is influenced by video games: https://artinres.com/artists/lee-mora

I really am not a fan of showing a price and then only finding out after clicking into a piece of work that that price is not the price of the art but of some monthly payment. On top of that not showing the ∆ between the monthly payment price and the all at once price clearly is really maddening. Overall I'm ok with the site and the idea but the pricing structure and display seems to be designed to trick people.
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Right on the main page under each piece it says "$XX - X months"... I feel like that's pretty up front.
The meaning of this wasn’t immediately clear to me. The listing is months old? The artwork room thet many months to make? It’s only available for that long? Using “for” rather than a dash would be more clear.
Oh wow, thank you, this is really, really helpful to know!

We're so used to the paying-in-installments piece that we must have gotten blind to the fact that people seeing it for the first time would think it's the total price.

Same thing with the delta – it's always 1 / 24 of the final price (you pay the artwork off over two years), with a minimum monthly price of $30 (for the artist's sake.) Put differently,

  if ( fullPrice / 24 ) > 30
    monthlyPrice = fullPrice / 24
  else
    monthlyPrice = 30
  end
(edited for line breaks)
One quick way to clean up the whole site is to have a toggle to show prices as upfront or in installments. This way you remove the noise and cater to your target demographic. UI becomes cleaner and both demographics feels like the experience is adjusted for them.
Congrats on your launch! The site looks great—and it strikes a chord with me, because I'm working on an art marketplace as well (albeit for prints, not originals). Given we have adjacent, not competitive platforms, let me know if you'd ever like to do some co-marketing! Our product is www.vsual.co

A few things I noticed when looking at your site: - I like the detail views you have on your pieces, but a the higher resolution, you may want to consider a watermark—and it's possible it will help with artist trust, as well. - The "Apply as an Artist" link is kind of buried. It took me a while to find it. Might be worth moving that up, if getting more artists on board is a primary goal? - As a buyer, I'm still interested in the total price, and it's a little hard to comparison shop when both the base price and period for works are different - I actually really like the "message artist" functionality. That's a great touch! I'm sure artists appreciate it too

Checked out the site - looks awesome! Is there any way to filter? It's cool at first glance looking through the whole selection on the site but could see it getting tedious the 2nd time+.
Thanks Changdizzle! There are a few ways to filter—you can filter by medium by clicking the "Photography" "3D" or "Illustration" boxes, or you can filter by artist by going to the Shops page in the top nav. Or, you can search prints for tags. Did you have something else in mind?
I'm thinking more orientation / ratio - for example, right now the wall behind my couch in the living room is bare and I would love a landscape print for it. On VSUAL I have to manually scroll through to see the ones that have that orientation. This is something that Art in Res has on their search function.
Is this US only? Didn't find any mention on this in the FAQ or signup page.
It's US only for now, but once we figure out shipping and taxes we're excited to open up internationally.
Cool but have to do math in my head while reading the page initially, can you add total price.

Idea: sell some AI generated art for charity.

Question for founder: who takes on credit risk, the artist or Art in Res? Who does buyer credit check and determines interest rate? What does "responsible for damages" mean?
I like to go to the local art institute's sale for students.

I've found some amazing things there for ~$50 to $100.

Personally I would find it hard to spend a great deal more than that based on a web view. The difference between 'meh' for me and 'amazing' is very subtle / really shines when you see it in person.

Still a great idea.

We agree, displaying art on a website is very different to seeing it in-person.

It's hard to replace seeing something in-person but we would love to bring some of that experience to our site. We are currently working on ways to display this better and give more context for the art.

This is a great idea! I've browsed for quite a bit now. My only suggestion is that the thumbnails are a bit small, so it's hard to see the image without clicking on it.
One thing I've always been curious about with art in this price range ($500-5000) is the resale value. Say your tastes change and you'd like to get rid of one of these after a few years, how painful is it to sell? What are your chances of getting 50% of the purchase price? 90%? 150%?
What would be neat for this kind of service is a way to sell the piece back, either to the artist or to the service. If they knew you bought it from the site they'd know it was authentic.

Is a Gazelle-style site for art a thing, that's not eBay? I don't know that you'd want to get rid of art you bought very often, but if you move and it doesn't fit with the new aesthetic, you might want to swap it for something more on point.

I had taken a look at the affordable art market about a decade ago. What I found out was that “art as an investment” is either

1. About art normal people can’t afford

2. A full time speculation job

Unfortunately neither of those worked for me. I don’t know if things have changed in the last years, it seems that there are a couple more platforms around nowadays. I can go into detail about all that stuff but my personal takeaway was to completely ignore investment value in art until the price tags get close to seven figures. And yes, I still am a couple orders of magnitude away from that last price tag. I also don’t care, whatever art I own I am happy with and if I fall out of love with one piece I usually just gift it somewhere. On that last part, there are also usually some good opportunities to give art away for a good cause. Such auctions happen from time to time. I can imagine though that other people have had considerably different experiences with affordable art than mine :-)

Note: art in the above is meant to be paintings and sculptures, never bought anything else.

A rent the runway for art would be an amazing idea. It would require a large deposit to cover the initial art piece but provide customers with a dynamic art collection almost similar to how museums have visiting exhibits. I'd be happy to work with someone on this.
I read Liz Phair's book earlier this year, and Oberlin does (or perhaps did) do that for students, for something like 20 bucks a year in the 80s for UNDERGRADUATE STUDENTS, crazy.
The Seattle Art Museum does this. There's an attached/affiliated gallery that sells art, and also provides rentals, as long as you're also a member of SAM. It's 10% of the price to rent for 3 months, renewable once, and if you decide to purchase, half the rental amount goes towards the purchase price. I used it quite a bit when I first began collecting art.
Very cool, but too expensive for me.
Edit: huge props to the team for shipping a fix for this in minutes.

---

I want to love this idea, but I struggle to get past the lack of full price when browsing. It says "$48 • 24 months" and expects me to intuit that the product costs $1152.

Or rather, I worry that it expects me not to intuit that. Breaking the absolute price into a series of less frightening numbers to obscure the magnitude of a purchase feels slimy when cell phone carriers use it to trick people into buying new iPhones for "cheap". This seems like the same tactic. Especially since the payback periods vary between paintings, so you can't even compare apples to apples in terms of monthly dollar cost.

It's okay that paintings are expensive. It's less okay to undermine people's ability to reason about the cost of things.

Not to mention the fact that I suspect most people interested in purchasing fine art aren't exactly the type who care to finance the purchase.
You could be right! But if AiR is right they might be able to prove that there is actually demand for financing in this context.
I think part of their idea is that the sometimes-alienating "fine art" distinction, and the expectations around pricing that go with it, is keeping available art from people who would get a lot of pleasure from living with it. I think there's a type who thinks fine art isn't for them but will be shocked and pleased to be able to get a real, individually made art work for such a low monthly cost.
I mean, anecdotal data ra ra ra, but this is super appealing to me, and I'll probably be making my first art purchase >$500 as a result.
Used to work in an art gallery. Lots of people finance art.
Perhaps, but the first (and only) original painting I ever purchased was on layaway.
I dont fully agree with this statement, but perhaps the sentiment. I think there are those who are on the fence and doing it monthly can always help. However, I think the bigger struggle is that those interested but not major collectors still get sticker shock whether or not its monthly or not. This is the challenge with all rental models. They advertise "only $25/mo" however when that person says yes I like this, its still $2000 and they are like no thanks.
Edit: Roger that, we're showing the full price now.

--

This is super helpful, thank you! The last thing we want to do is to deceive people.

There's a lot of information we want to convey in those little artwork thumbnails and we've been struggling with how to cram it all in. We thought that two prices in that small space would be confusing –– but I think you're right that it was a mistake and we need to find a way to work it in.

Wow. Seriously impressive turnaround time, and thanks for listening!
I'd take a cue from pretty much every other retail business who does financing. "Low-cost financing available" in some general place, then on each tile just have "(or as low as $X/mo)" or something like that. When I look at it now, it's apparent that the the totals are different between up-front and financed prices, which makes me think I need to break out a calculator, which tells me there's about a 10% finance charge, which then makes me second-thought the purchase in general. K.I.S.S.! ;)
Please add this to the search as well. Searching by monthly price is nearly useless. I want to search by price and then decide how I want to divide up my payments. Searching for say, under $50 is really frustrating because I see things priced $1000 and $100 mixed in together. Most people do have a budget.
"I want to love this idea, but I struggle to get past the lack of full price when browsing. It says "$48 • 24 months" and expects me to intuit that the product costs $1152."

This seems like kind of a nitpick when lots of expensive things (not just cell phone plans) are priced this way. Apartment leases, car leases, internet/cable service, and insurance all come to mind. Saas subscriptions also commonly frame pricing in per month/per user terms (even for annual plans) and leave it to the buyer to figure out the total cost that entails. As long as it's clear that the price is a monthly installment and not a total, which does seem to be the case for Art in Res, I don't see a problem.

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I see this differently. Buyers are given a choice. Choose what works best for you. It's similar to buying an annual subscription vs. monthly installments. Overall, I like the product... much needed.
The site looks great, love the scale feature! What's your target demographic? I could see interior designers/companies who stage houses being a huge market for you.
The selection of work seems pretty high quality, but I'm curious - how does the artist/art selection process work?

I come from a fine arts background and have always had issues with the contemporary art scene for it's artist to curator/gallery process. In general, social status and popularity seem to be the main currency for getting great art visible to the public.

I would love to see a service like this that enables more "undiscovered" high quality work to be shown, and for more unrecognized artists to get paid for what they love, but at the same time opening it up too all work could lower the overall quality of the available work.

Curation is hard - what system do you have in place for it?

Very good question. A quite tough challenge but probably not impossible.

IMO, bad curation is something that is very apparent on sites like Etsy and Redbubble. So I do believe it’s worth it to try to find a good system for it.

Hitting the back button after initial visit gives me a login prompt. That's pretty annoying...

https://imgur.com/605DZMN

At least on the front page, the site does a self-reload which breaks the back button. This isn't merely annoying, or a dark pattern...it's just plain obnoxious and something I thought was left back in the "stickiness" 2000s.

That a login page is tacked onto this is a new twist though, I'll hand them that.

Thanks for bringing this bug to our attention. I'll make sure this is added to the top of our bug-fix queue.

Were you a guest user or logged in when this happened?

Guest -- just a first arrival from HN.
Just shipped a fix for this. Sorry for the frustration in the meantime. Again, thanks so much for highlighting the bug.
Confirmed fixed. Thanks!
100% agree this is annoying. We're working on a fix.
I like the idea of making art more accessible by spacing out the payment. Congratulations on the launch!

I won't comment on the art for sale, because I think it is too much in the eye of the beholder but I will give some feedback on your website and concept.

- Why fixed installments? Why not say "this piece costs 300$ buy now, or pay 10 installments of 35$ or 20x20$" (forget the numbers, just an example).

- why are there so few pictures of the work? If I buy a piece of art I want to look at it from all angles, get up close, see the structure, see it from far, see the frame etc.

- since you got excited from seeing artists' workspace, why not show them to us? Why not show those cool warehouses/storage containers/houses where the art is piled floor to ceiling?

- When I click on an artist's bio, the last thing I want to see is a full-bleed picture of his face. I want to see where he works, how he is inspired or how this piece was formed.

- out of curiosity: how did you come up with the 30/70 split between fees/artist's check? How do the artists respond? Have you had anyone say the fees are too high?

The cut is too high for the platform. I guess you take this number from Google/Apple store's commission.

The difference is software on Google's store has infinite leverage and takes almost 0 to scale sales. Every piece of art takes lots of work and cannot scale in the same way. Art works do not scale like software.

With this cut, I feel your platform is taking advantage of artists (they do not know where to sell) rather than helping them.

Even auction commission is only between 12 & 25%.

I don't see the relevance of app stores to the sale of artworks...?

Auctions take a small cut because they are resellers of art. The artist doesn't get paid when a work sells at auction, the previous owner does.

Art is usually sold by galleries, and the standard cut there is 50%. On top of that, artist and gallery often share discounts, so a work that is sold for a 20% discount means the artist will only see 40% of the total price. For artists, this will be a pleasant surprise rather than a steep expense.

We spent a considerable amount of time deciding this split, and consulted with many of our artists on what they felt was fair.

While the customer facing portion of the website appears like a more traditional marketplace, our artist facing website contains tools for artists, and we do more than just list their art, we help them get better at selling, help them promote and market their art, and we provide support wherever needed.

We are artist centric first and foremost, and always heavily consider and consult our artists point of view.

I live in a village in NM filled with artists. I continue to be surprised to hear the stories of how their galleries take 40% or more. I'm even more suprised that they are happy with this, but the general rule seems to be that they are happy because the gallery they use now increased their annual revenue by more than 100%.
Early on, when Art in Res was just an idea, we played with a model where we took zero commission and monetized other ways. But, when we talked to our artists about it, they were skeptical and would ask "but how will you make money?"

I hear you that, when looked at in a certain light, it might seems high – but we work closely with our artists and they seem to all like that our incentives are aligned. Plus, we do our best to use that 30% in ways that benefit them, e.g. by guaranteeing that they get paid if someone absconds with their work without paying it all the way off.

I worked in the art world for years. First as a studio assistant, then as an art prep for large galleries, then eventually I ran my own art fabrication business with a few employees.

A good gallery--emphasis on good--does a lot more then simply sell art to the highest bidder. They strategically place artists into 'important' collections, work with museum curators to bring the artists into a more critical narrative, get the artist into group shows and fairs internationally to contextualize the artist in a current scene or trend, collude with art critiques and magazines, and generally help to promote the artist's career over the long term.

All of this sounds somewhat silly outside the art world, but you have to remember that this is a very particular industry based around historicizing high-brow cultural production. When a good collector buys a painting, they are doing more then just buying a physical object they like. They are throwing their own clout behind the artist and saying "I think what this person is doing is important and I stand behind it."

All of this is done with the intention of increasing the profile of the artist which benefits--each in their own way--gallery, the artist, and the collector over the long term.

As far as the sales split between gallery and artist, standard split is roughly 50% with some variance around material expenses and whatnot.

Note, everything I am saying is the sort of ideal story and there are a lot of bad actors in the business. In reality I find the art world rather gross and the premises it is built upon to be deeply flawed.

The relevant comparator is SaatchiArt online, which takes a 35% cut.
> - Why fixed installments? Why not say "this piece costs 300$ buy now, or pay 10 installments of 35$ or 20x20$" (forget the numbers, just an example).

We're considering adding more options like that. The only reason we haven't so far is that we're weighing it against overwhelming people with too many options and also other features we want to implement.

> - why are there so few pictures of the work? If I buy a piece of art I want to look at it from all angles, get up close, see the structure, see it from far, see the frame etc.

I totally agree with you on this. This is actually one of the features we want to add before adding additional installment options.

> - since you got excited from seeing artists' workspace, why not show them to us? Why not show those cool warehouses/storage containers/houses where the art is piled floor to ceiling? > - When I click on an artist's bio, the last thing I want to see is a full-bleed picture of his face. I want to see where he works, how he is inspired or how this piece was formed.

Again, I couldn't agree more. For the time being, we've been getting our photos from the artists themselves and they tend to have better portraits of themselves than shots of them visible in their studios.

- out of curiosity: how did you come up with the 30/70 split between fees/artist's check? How do the artists respond? Have you had anyone say the fees are too high?

Traditional brick-and-mortar galleries take a 50% cut so we're taking significantly less than that. We also 'insure' the art ourselves: if someone stops paying and the artwork can't be reclaimed, we pay the artist their full cut anyway, even if it's a loss to us.

Thank you for the extensive reply :)
>> Why not show those cool warehouses/storage containers/houses where the art is piled floor to ceiling?

This feels right. The site name seems to promise something it doesn't deliver: the process of production as education / entertainment. This could be a major differentiator vs bricks and mortar galleries. Lots of streams of the work in development.

I get paying artists in monthly installments, but I have zero interest in doing that as a consumer. Art is a luxury good and those that can afford it are trained to avoid financing things they don't need. I would charge the users the full upfront cost and pay artists in monthly installments. Maybe instead of taking a cut off the profits you can invest the money that hasn't been distributed to the artist yet like RobinHood.