The open-source Stripe,
built on stablecoins
Payments infrastructure you actually own.
Same API and dashboard you already know, minus the fees.
Stripe-compatible API - Self-host or Cloud
- No percentage fees
Your own full payments stack
Dashboard
Manage payments, customers, products, and balances in one place. The layout will feel familiar if you have used Stripe.
Checkout and Payment Links
Use a hosted checkout page or create a payment link from the API or dashboard.
Subscriptions
Set up recurring stablecoin payments with familiar subscription and invoice APIs, without billing fees.
Developer Tools
API keys, webhooks, and event logs. Everything you need to integrate, test, and debug.
Switch from Stripe
Zoneless follows Stripe's API structure. Change the SDK and endpoint, and most of your integration can stay as it is.
Webhooks
Use familiar event names, payloads, and signature verification.
Events
Includes events such as checkout.session.completed, payout.paid, and account.updated.
Idempotency
Pass an idempotency key with any POST request to retry it safely.
Node SDK
Install @zoneless/node and keep the integration patterns you already use.
Checkout and Payment Links
Create hosted checkout pages and shareable payment links.
Same object shapes
Customer, price, and account responses follow Stripe's structure.
import Stripe from 'stripe';const client = new Stripe('sk_live_...');
import { Zoneless } from '@zoneless/node';const client = new Zoneless('sk_z_...', 'api.example.com');
// Same API you already know
const session = await client.checkout.sessions.create({mode: 'payment',line_items: [{price: 'price_z_...',quantity: 1,}],success_url: 'https://example.com/success',});Fast payments without bank delays
Payments settle in USDC, a digital dollar designed to hold a value of $1. Funds move directly from one wallet to another.
Customer pays
They send USDC from their wallet at checkout
You hold the funds
The payment arrives in a wallet you control
Send money anywhere
Payouts, refunds, or withdrawals land in seconds
Keep the 2.9%
Pay network costs measured in fractions of a cent instead of a percentage fee.
No chargebacks
On-chain payments are final, so there are no chargebacks or payment reversals.
No frozen accounts
Your balance stays in your wallet, beyond the control of a payment processor.
Self-custody
You control the wallet and its keys. Zoneless never holds your funds.
At the peak we were paying Stripe over $9,400 a month in Connect fees. I built Zoneless to replace it. Payouts now cost fractions of a cent, sellers get paid in seconds, and we onboard countries Stripe never supported.
Frequently asked questions
Yes. Checkout guides them through the process. Wallets such as Phantom take about a minute to set up, and paying works much like any other online checkout.
Zoneless uses USDC, a regulated stablecoin backed by highly liquid cash and cash-equivalent assets. It is designed to maintain a value of one US dollar.
Yes. Zoneless is open-source software licensed under Apache 2.0. You can deploy your own instance and hold your own keys, or use our hosted service.
Zoneless follows Stripe's API structure, object shapes, and dashboard layout. Most integrations only need to change the SDK and API endpoint.
Connect supports global payouts that settle in seconds and cost fractions of a cent. See the homepage for details and a savings calculator.
Zoneless is open-source software that never takes possession of funds. Compliance depends on your jurisdiction, so consult a payments lawyer.
Start accepting payments in minutes
We can deploy, update, and run your Zoneless instance for you. You can move the same open-source code to your own infrastructure at any time.
No credit card required · Apache 2.0 licensed