HN 표시: Zoneless – USDC를 사용하여 $0.002 수수료의 오픈 소스 Stripe Connect 클론

The open-source Stripe Connect alternative. Pay marketplace sellers globally with USDC. ~$0.002 fees. Instant payouts. Self-hosted. Docs · Live Demo · Website · Discord Zoneless is a free, open-source drop-in replacement for the payout part of Stripe Connect. It lets you pay marketplace sellers globally with stablecoins (USDC) using an API identical to Stripe — at near-zero cost. If you know Stripe, you already know how to use Zoneless. Same webhooks, same object shapes, same SDK patterns. Just swap stripe for @zoneless/node and you're live. Zoneless powers payouts on PromptBase, an AI marketplace with 450,000+ users. At the peak, PromptBase was burning $9,400/month in opaque Stripe Connect fees for seller payouts. After switching to Zoneless: | ~$0.002 avg. payout cost | 1,400+ payouts completed | 73% of sellers chose Zoneless over Stripe | 2,200+ sellers onboarded | Based on 2,500 fully-onboarded sellers given the choice of Stripe or Zoneless payouts, Dec 2025 – Apr 2026. "Our payout costs dropped significantly, sellers get paid faster, and we can onboard more countries — which has helped grow the buyer side too. A big worry was that sellers would be confused and hate USDC, but they actually love it." — Ben Stokes, Founder of PromptBase - Near-zero fees — Payouts cost ~$0.002 in SOL gas. No $2/month per account, no 0.25% + $0.25 per payout. - Stripe-compatible API — Same webhooks, events, object shapes, and SDK patterns. Migrate with minimal code changes. - Truly global — Pay anyone in 220+ countries & regions. No banking restrictions. - Instant payouts — USDC settles on Solana in seconds, 24/7/365. Not 2–7 business days. - Open source — Apache 2.0 licensed. Audit, fork, self-host. No vendor lock-in or surprise shutdowns. - Self-custodial — You hold your keys. Funds never touch a third party. | Zoneless | Stripe Connect | | |---|---|---| | Monthly account fee | Free | $2/active account | | Payout fee (domestic) | ~$0.002 (SOL gas) | 0.25% + $0.25 | | Payout fee (intl) | ~$0.002 (SOL gas) | $1.50 per payout | | Cross-border fee | None | +0.25–1.25% | | Currency conversion | None (USDC) | +0.50–1% FX fee | | Payout speed | Seconds | 2–7 business days | | Global coverage | 220+ countries & regions | ~47 countries | | Source code | Open source (Apache 2.0) | Proprietary | | Self-hostable | Yes | No | - Microtransaction marketplaces — When payouts cost fractions of a cent, small transactions finally make sense. Digital goods, templates, prompts, and more. - Global creator platforms — Pay creators worldwide without banking restrictions. No more "sorry, we don't support your country." - AI agent economies — Programmatic payouts for AI agents and autonomous systems. Machine-to-machine commerce at scale. // Before — Stripe Connect // import Stripe from 'stripe'; // const client = new Stripe('sk_live_...'); // After — Zoneless import { Zoneless } from '@zoneless/node'; const client = new Zoneless('sk_z_...', 'api.example.com'); // Same API you already know const account = await client.accounts.create({ type: 'express', country: 'US', email: '[email protected]', }); await client.payouts.create({ amount: 10000, currency: 'usdc', destination: account.id, }); Sellers get a familiar Express-style dashboard to view payouts, track earnings, and manage their account — plus guided wallet onboarding. - Seller connects a wallet — During onboarding, sellers connect a Solana wallet (e.g. Phantom). Takes 30 seconds with guided instructions. - You send USDC — Trigger payouts via the API. Funds arrive in the seller's wallet in seconds, not days. - Seller spends or off-ramps — Sellers spend USDC directly, or convert to local currency via an exchange like Coinbase. You create and manage your own platform wallet — top it up with USDC via any exchange and you're ready to send payouts. git clone https://github.com/zonelessdev/zoneless.git cd zoneless docker compose up -d Open localhost/setup to create your platform account and API key. See the full Quickstart Guide for creating connected accounts, transfers, and payouts. All guides and API reference docs live at zoneless.com/docs: - Quickstart — end-to-end setup in under 5 minutes - Deployment — deploy to a VPS with Docker - API Reference — Accounts, Transfers, Payouts, Webhooks, and more - Migrate from Stripe — step-by-step migration guide npm install docker compose up -d # MongoDB npx nx serve api # API on :3333 npx nx serve web # Dashboard on :4203 Or run everything at once: npm run dev npx nx test api npx nx test web zoneless/ ├── apps/ │ ├── api/ # Express.js API backend │ └── web/ # Angular dashboard & onboarding ├── libs/ │ └── shared-types/ # Shared TypeScript interfaces ├── docker-compose.yml # Full-stack Docker setup └── nx.json See CONTRIBUTING.md for development setup, style guidelines, and the pull request process. See SECURITY.md to report vulnerabilities. If Zoneless is useful to you, consider giving it a star — it helps others find the project.