Open-source Stripe Connect alternative
Open-source payout API using stablecoins — a Stripe Connect alternative you can self-host.
Zoneless is an open-source, self-hostable alternative to Stripe Connect and PayPal Payouts for paying sellers and creators, using the same account/transfer API shape as Stripe so switching is close to a drop-in swap. It moves money as USDC stablecoin instead of card rails, covering 220+ countries with payouts in seconds instead of days, at roughly $0.002 per payout with no cross-border or FX markup. On its own worked example — 1,000 payouts a month at $50 each — it prices out at about $26/year, against $40.5k/year on Stripe Connect and $19.5k/year on PayPal Payouts.
What holds up
- +Payouts land in seconds across 220+ countries, versus Stripe's 2-7 business days in ~47 countries
- +Apache 2.0 and self-hostable — no lock-in to a vendor's account or pricing changes
- +Drop-in API shape — swapping from Stripe is close to a client import change, per its own code sample
Mind the limits
- −Moves money as USDC stablecoin, not local currency — sellers who need cash-out in their own currency aren't the target
- −Named production users so far are two marketplaces (PromptBase, Agensi) — a smaller track record than Stripe
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