Artec pays creators through Stripe. Before your first payout you complete a one-time guided setup (from Settings → Payouts, or the earnings card on your Home screen): identity details and bank account go directly to Stripe: Artec never sees or stores your banking details.
Until setup is done, your Earnings screen stays locked and any money you've earned waits safely as pending.
Already earned money before setting up? Nothing is lost: pending payouts retry automatically every night once your setup completes.