AI 分析
痛点：商家不信任托管式加密支付网关，担心平台控制资金并抽成，希望自托管、私钥不离开商家的非托管支付网关。
目标用户：接受加密货币的电商商家、SaaS/独立开发者、需要自托管支付网关的加密项目。
证据：Most hosted crypto payment gateways (NOWPayments, BitPay, etc.) route funds through their own accounts and take a cut. I wanted something where the server never touches a private key at all — so I built a self-hosted gateway that derives receiving addresses from the merchant's public key (xPub) only. Also selling the source code if anyone wants to self-host it themselves: https://www.getly.store/product/non-custodial-crypto-payment-gateway-node-js-typescript
变现：源码授权/一次性买断、自托管部署服务、托管版SaaS订阅、按交易抽成或技术支持。
MVP：先做单链（如Base或Polygon）USDC/USDT非托管收款：xPub派生地址、发票页面+二维码、链上监听、WebSocket/webhook通知、简单后台；2周可上线，再扩展多链。
竞品：BTCPay Server、NOWPayments、BitPay、CoinGate、CryptAPI、OpenNode
摘要：作者发布了一个自托管的非托管加密支付网关，支持多链ETH/BNB/USDT/USDC，仅用商家xPub派生地址，服务器不接触私钥，并出售源码。它瞄准不想让托管网关控制资金和抽成的商家，但已有BTCPay Server等成熟开源竞品，且帖子未展示实际购买或收入数据。