Swapping one client import and keeping the same account, transfer, webhook, and event shapes makes sense for marketplaces that only want to change payout rails. The part I'd want spelled out just as plainly is who handles identity checks, sanctions screening, refunds, and chargebacks.
Zoneless
Open-source Stripe Connect alternative enabling global, fee-free payouts for marketplaces.
3 ratings4.39
Saves83
CategoryFinance
PlatformWeb
PricingFreemium
Zoneless is an open-source payout platform that enables marketplaces to pay sellers and creators worldwide without fees. It operates alongside existing payments infrastructure like Stripe Connect or PayPal and supports fast, global payouts using stablecoins. Zoneless offers a familiar Stripe-compatible API, is self-hostable, and designed for independent developers or small teams operating marketplaces.
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CategoryFinance
PlatformsWeb
PricingFreemium
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Show HN83 source points · 37 comments
read it again, ah this is USDC but not sure if that is still safe, i know tether has a lot of issues and fragility and some very dodgy stuff so take normal cards then pay out in USDC....is that safe?
zuzululu · Imported from Show HN
Cool project, what is your marketplace you are referring to if not a secret? Also the pricing is not very clear - you mention your costs went down to $6, but the first paid tier is $99/month ?
aleqs · Imported from Show HN
How do you handle refunds & chargebacks? And do you have a maximum amount that can be charged? For context - I'm building a marketplace for artists and struggling to find a global payouts rail. The ones that exist have really high turnover requirements or reject new marketplaces that deal with higher value physical items due to chargeback risk.
renierbotha · Imported from Show HN
It's worth noting that this offloads the KYC/AML component to someone else down the road, but doesn't protect you from possible money laundering risk (e.g., you send USDC to a sanctioned individual who launders it into monero or something else). I'm no lawyer but I did work on Stripe Connect's compliance pieces for five years and I would NOT take the risk of (as a business) sending money to USDC addresses without actually verifying identities. It also doesn't offer you protection against fraud (which is a huge problem that marketplaces face). Frankly the missing piece to this is a real, actual identity verification component. If you're not checking identities against sanctions lists at the absolute minimum, you're not doing your due diligence. I wouldn't take that risk. The last thing you need is to be on the receiving end of a US Treasury inquiry.
bastawhiz · Imported from Show HN
Should also be noted that you have a fantastic handwritten blog that everybody should subscribe to. Keep up the good work!
haaz · Imported from Show HN