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.
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 identical API to Stripe — at near-zero fees.
// 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 | 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 |
git clone https://github.com/zonelessdev/zoneless.git
cd zoneless
docker compose up -dOpen 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
npm install
docker compose up -d # MongoDB
npx nx serve api # API on :3333
npx nx serve web # Dashboard on :4203Or run everything at once:
npm run devnpx nx test api
npx nx test webzoneless/
├── 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.