The open-source
Stripe Connect replacement
Pay sellers globally without Stripe's fees or lock-in using stablecoins. Own your entire payout stack.
Stripe-compatible API - Self-host or use Zoneless Cloud
- No percentage fees
Your own full payout stack
Manage your platform, onboard sellers, and give them their own payout dashboard.
Platform Dashboard
See payouts, connected accounts, and balances in one place. The layout will feel familiar if you use Stripe.
Seller Onboarding
Collect seller details with a simple guided onboarding flow similar to Stripe Connect Express.
Express Dashboard
Give sellers a place to view payouts, track earnings, and manage their account.
Developer Tools
Use webhooks, API keys, and event logs to build and debug your integration.
Switch from Stripe Connect
Zoneless follows Stripe Connect's API. Swap the SDK, point it at your instance, and keep your existing payout flow.
Webhooks
Keep the event names, payload format, and signature verification you already use.
Idempotency
Pass an idempotency key on any POST request. Safe retries, no duplicates.
Events
Use familiar events such as payout.paid, transfer.created, and account.updated.
Node SDK
Install @zoneless/node and use methods that closely match Stripe's SDK.
Express Dashboard
Give sellers a ready-made onboarding flow and payout dashboard.
Same object shapes
Account, payout, and transfer responses match 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 account = await client.accounts.create({type: 'express',country: 'US',email: 'seller@example.com',});await client.payouts.create({amount: 10000,currency: 'usdc',destination: account.id,});Zoneless vs Stripe Connect Express
See how much you could save switching to Zoneless.
 | Stripe Connect | |
|---|---|---|
| Monthly account fee |  Free | $2/active account |
| Payout fee (domestic) | ~$0.002 (SOL gas) | 0.25% + $0.25 |
| Payout fee (international) | ~$0.002 (SOL gas) | $1.50 per payout |
| Cross-border fee | None | +0.25% to 1.25% |
| Currency conversion | None (USDC) | +0.50% to 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 |
Calculate your savings
See how much you could save each year
In production today
Zoneless powers payouts on a real marketplace with 450,000+ users.
"I run PromptBase, a marketplace for AI prompts with more than 450,000 users. At our peak, Stripe Connect cost us over $9,400 a month: $2 per active seller, plus payout fees. I built Zoneless to replace it. Our payout costs fell, sellers got paid faster, and we no longer needed a $30 minimum balance. We could also onboard sellers in more countries. I worried that sellers would find USDC confusing, but they actually prefer it."
Over 14 weeks
Based on 2,500 fully onboarded sellers who could choose Stripe or Zoneless payouts between December 24, 2025 and April 6, 2026.
How your sellers get paid
Sellers connect a wallet and receive instant USDC payouts.
Seller connects wallet
Sellers connect a crypto wallet during onboarding. Guided instructions make it a 30-second job.
You send USDC
Trigger payouts through the API. Funds arrive in seconds, not days.
Seller spends or off-ramps
Spend USDC directly, or convert to local currency via exchanges like Coinbase
You're in control. Create and manage your platform wallet in Zoneless, then top it up with USDC from an exchange such as Coinbase.
Built for marketplaces hit hardest by Stripe's fees
Digital goods
Send small payouts without fixed fees eating into your margin.
Global seller networks
Pay sellers in more countries without building a separate banking integration for each one.
Frequent payouts
Let sellers withdraw when they want, without minimum balances or batched payments.
Frequently asked questions
What marketplace operators usually ask us.
They can create one during onboarding in under a minute. Phantom is a popular choice and works like any other app. The onboarding flow walks them through each step.
Sellers transfer USDC from their wallet to an exchange like Coinbase, Kraken, or local providers, then withdraw to their bank. Most exchanges process this in 1-2 business days.
USDC is a regulated stablecoin issued by Circle, backed 1:1 by US dollar reserves. It's audited monthly and is one of the most trusted stablecoins in the industry.
Solana has 99.9%+ uptime. If the network is congested, payouts stay queued and process automatically when it recovers, typically within minutes.
You purchase USDC from any exchange (Coinbase, Kraken, etc.) and transfer it to your platform wallet. Zoneless then handles distributing payouts to your sellers.
Yes. Zoneless uses a near-identical API structure to Stripe Connect. Most integrations can be migrated with minimal code changes. Zoneless currently replaces the 'Transfers' part of Stripe's 'Separate charges and transfers' model. We're happy to help with migration support.
Zoneless handles money routing, not identity verification. Connect your preferred KYC provider, verify each seller, then enable their payouts through the API. See the Identity Verification guide to learn how.
Zoneless is open-source software that never takes possession of funds. Marketplaces often operate under the "agent of the payee" exemption (like Uber, Airbnb, Etsy), but crypto adds complexity. Compliance depends on your jurisdiction and platform structure. Consult a payments lawyer to understand your obligations.
Want to spend less on payouts?
We can deploy, update, and run Zoneless for you. You can also self-host the same open-source code whenever you like.
No credit card required · Apache 2.0 licensed