Correct on the FCCU campaign. They asked for a handful of North Dakota athletes to put them in some commercials, billboards and other advertisements for them and paid them through the collective for those. In instances like that, the hiring business picks up the small cost that collective charges to cover their overhead and the athlete gets the full amount.
For the second part, that's where 1883 connects with local non-profits, community service organizations, schools, etc. to set up opportunities for the athletes to "perform a service" in return for getting the NIL money, with the amounts varying from player to player depending on what their contract with 1883 states. Plenty of creative ways for them to do things to "earn" their NIL. They are doing this to keep it above board and show something is being done in return for the money as at some point. That was was the original spirit and rules behind NIL and they have been advised from NIL-space attorneys that the NIL Clearinghouse will eventually start looking closer at these deals and make sure that it isn't directly pay for play. There is language in the NCAA settlement agreement about this as well.
They are very responsive to answering questions and being transparent about how they are operating if you have questions. I've seen them come speak to multiple groups laying out the above information. Anyone with questions should reach out and they will be more than happy to make sure any confusion is cleared up.