The open-source
Stripe Connect alternative
Pay your marketplace sellers globally with USDC. Near-zero fees. Instant payouts. No vendor lock-in. Self-host your entire payout stack.
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,
});
Why choose Zoneless?
Everything you need to pay sellers globally, without the fees or friction.
Near-Zero Fees
Pay fractions of a cent in SOL gas fees. No $2/month per account. No 0.25% + 25¢ per payout.
Stripe Compatible
API compatible with Stripe. If you know Stripe, you already know Zoneless.
Open Source
Licensed under Apache 2.0. View the code, audit it, and host it yourself. No vendor lock-in. No surprise shutdowns.
Truly Global
Pay anyone, anywhere. Brazil, China, Australia. Grow your userbase by unlocking new markets.
Instant Payouts
Seconds, not days. USDC settles on Solana in real-time, 24/7, 365 days a year.
Self-Custodial
You hold your keys. Your funds never touch a third party. Self-host, own your wallet, and send payouts.
The Express Dashboard, reimagined
A familiar experience for your sellers, powered by stablecoins.
Express Dashboard
A familiar Express-style dashboard where sellers can view their payouts, track earnings, and manage their account.
Try it yourself on a live demo instance
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 | +0.25–1.25% |
| 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 |
Calculate your savings
See how much you could save each year
In production today
Zoneless powers payouts on a real marketplace with 400,000+ users.
"I run PromptBase, a marketplace for AI prompts with 400k+ users. At the peak we were paying Stripe over $9,400/month in Connect fees alone—$2 per active seller, plus payout fees. I built Zoneless to replace that. Not only have our payout costs dropped significantly, but we've seen more excitement from sellers as they can get paid faster, we removed annoying things like sellers having to accrue a $30 minimum balance to keep costs down, and we can onboard more countries, which in turn has helped spread the word and grow the buyer side too. A big worry was that sellers would be confused and hate USDC, but they actually love it."
Over 12 weeks
Based on 1,946 fully-onboarded sellers given the choice of Stripe or Zoneless payouts, Dec 2025 – Mar 2026.
Don't want to self-host?
We're building a managed hosting solution. Get Zoneless without the infrastructure headaches—we handle deployment, updates, and uptime.
No spam. Just one email when we launch.
How your sellers get paid
Sellers connect a wallet and receive instant USDC payouts.
Seller connects wallet
During onboarding, sellers connect a crypto wallet. Takes 30 seconds with guided instructions.
You send USDC
Trigger payouts via your API. Funds arrive in the seller's wallet instantly—in seconds, not days.
Seller spends or off-ramps
Sellers spend USDC directly, or convert to their local currency via exchanges like Coinbase.
You're in control. You create and manage your platform wallet using Zoneless—just top it up with USDC via an exchange like Coinbase and you're ready to send payouts.
Frequently asked questions
Common questions from marketplace operators.
What if my sellers don't have crypto wallets?
They'll need to create one during onboarding—it takes under a minute. Phantom is a popular choice and works like any other app. The onboarding flow guides them through it.
How do sellers convert USDC to their local currency?
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.
Is USDC safe and stable?
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.
What happens if Solana goes down?
Solana has 99.9%+ uptime. In rare cases of network congestion, payouts queue and process automatically when the network recovers—typically within minutes.
How do I fund payouts?
You purchase USDC from any exchange (Coinbase, Kraken, etc.) and transfer it to your platform wallet. Zoneless then handles distributing payouts to your sellers.
Can I migrate from Stripe Connect?
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.
How does Zoneless handle KYC/AML?
Zoneless handles money routing, not identity verification. It easily integrates with external KYC providers—you verify sellers through your chosen provider, then can enable payouts via the API. See the Identity Verification guide to learn how.
Is this legal? Do I need a money transmitter license?
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.
Built for modern marketplaces
Enable business models that weren't possible before.
Microtransaction Marketplaces
When payouts cost fractions of a cent, small transactions finally make sense. Perfect for digital goods, templates, 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. The future of machine-to-machine commerce.
Everything you expect, nothing to relearn
All the features you rely on in Stripe Connect, built in from day one.
Webhooks
Same event names, same payload format, same signature verification.
Idempotency
Pass an idempotency key on any POST request. Safe retries, no duplicates.
Events
payout.paid, transfer.created, account.updated — same event system you know.
Node SDK
npm install @zoneless/node — familiar methods, familiar patterns.
Express Dashboard
Sellers get an onboarding flow and payout dashboard out of the box.
Same object shapes
Accounts, payouts, transfers — response objects match Stripe's structure.
Ready to cut payout costs to near-zero?
Join the open-source movement. Star the repo, deploy it yourself, or contribute to the project.