tinyprojects

Yes, this is exactly what it does! To confirm, Zoneless does have KYC built in - its a bring your own API key system that plugs right in, and you get 500 free verification checks per month via Didit. There are guides in the docs on how this all works.

thank you!

Zoneless is open-source, self-hostable and has no transaction fees

I think there's a few screenshots in some older posts!

Hey thanks! I appreciate that. Nothing in particular; I overhauled the design pretty recently and wrote about it on my blog if you're interested (in my HN bio)

Thanks for the support Peter, I appreciate it!

You can use whichever you like - but yes you will have to abide by their terms.

Zoneless has an open-source checkout to accept payments/subscriptions via stablecoins if you wanted a completely self-hosted alternative. I am very aware that not everyone wants to pay via stablecoins yet, though. People are very open to being paid with them, hence why it works well for payouts.

Thanks, really appreciate that!

Definitely other options out there. The main difference is Zoneless is open-source and self-hostable, so there's no transaction fees charged on top. Zoneless has KYC built in via Didit along with additional risk / compliance tools also.

Thank you good sir!

Appreciate you raising this, especially given your Connect experience.

This is a fair concern. Zoneless does verify the identity of payout recipients through Didit, and marketplaces can require KYC before the first payout. We also have support for blocking OFAC-listed wallet addresses, and also have additional checks to flag suspicious behaviour.

I agree that KYC doesn't eliminate marketplace fraud, though. That's true with Stripe Connect too; Stripe explicitly leaves platforms responsible for monitoring and preventing fraudulent activity even though it handles KYC and provides risk tooling.

I think the area I could make much clearer in the docs is the distinction between identity verification, sanctions screening, and marketplace fraud prevention.

A good way to operate this is to keep using a regular payment processor for checkout, but use this for payouts, so you can still accept cards and enjoy fee savings (there's a prompt on the homepage that will set it up for you just like this).

Zoneless is completely independent of Stripe, you do not need Stripe approval or a Stripe account to run it. We have some beginner guides in our docs for handling topping up / exchanges. I use Kraken+, which is about $5/month and removes trading fees.

Totally get this - one reason I built this was due to the risk of being shut down or rejected from a traditional payment platform. With this there's no risk of being rejected as 1) you can self-host it yourself, and 2) everything is self-custodial on the managed hosting version.

This is mainly for the payout side, but there is a working stablecoin checkout / payments /subscription system in the project - there's no limit on charges, and there are no chargebacks possible because it uses stablecoins.