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toxi360 — Fri, 11 Sep 2026 06:57:02 +0000

toxi360

Sep 11

Building a Non-Custodial USDT Payment Engine: Direct-to-Wallet Settlement with Webhooks

#stripe #paycow #javascript #crypto

2 min read

Building a Non-Custodial USDT Payment Engine: Direct-to-Wallet Settlement with Webhooks

toxi360 — Fri, 11 Sep 2026 06:54:00 +0000

If you run a SaaS, an online store, or any digital business, accepting crypto payments usually comes down to two bad choices:

Pasting a raw wallet address on checkout: Zero fees, but complete operational chaos. Matching who paid what, handling wrong amounts, and verifying transactions manually is painful.
Using traditional processors (BitPay, CoinGate, etc.): Automated, but they take 1% to 3% of every transaction, hold your funds in their accounts, require lengthy KYC paperwork, and can freeze your balance anytime.

We built PayCow (https://paycow.net) to sit right in the middle: automated order tracking, but 100% direct-to-wallet and 0% transaction commission.

Here is an honest side-by-side look at how the three approaches compare:

Comparison Table

Feature	1. Manual Wallet Transfers	2. Traditional Gateways (BitPay, etc.)	3. PayCow (paycow.net)
Transaction Fees	0%	1% – 3% per transaction	0% (Flat subscription, no per-tx cuts)
Custody of Funds	You hold directly	Gateway holds your money in a pool	Direct to your wallet (Binance, Cold storage, etc.)
Order Reconciliation	Manual (checking explorer manually)	Automated via webhook	Automated via webhook (HMAC-SHA256)
KYC / Verification	None	Mandatory ID and company paperwork	Zero-KYC (Instant signup)
Payout Delay	Instant (already in your wallet)	Hours to days (batch payouts)	Instant (funds go straight to your address)
Freeze / Lock Risk	None	Yes (gateway can freeze funds)	None (funds never pass through PayCow)
Supported Currency	Anything you accept	Various	USDT (TRON TRC-20 & Ethereum ERC-20)
Setup Time	Instant (copy-paste address)	Days to weeks for account approval	A few minutes (instant API credentials)

How It Works Behind the Scenes

The workflow is straightforward without any complicated middle layers:

Your customer clicks checkout and sees a standard payment screen with a QR code and address.
The customer sends USDT (TRC-20 or ERC-20).
The funds settle directly into your own wallet (your hardware wallet, Binance deposit address, Bybit, etc.).
PayCow watches the blockchain, verifies block confirmations, and sends a secure webhook to your backend.
Your system marks the order as paid.

Because PayCow never pools or holds the money, there is zero custody risk and no middleman taking a percentage cut of your revenue.

Pricing Model

Instead of charging a 1%–2% cut on every sale (which gets expensive fast as your volume grows), PayCow uses a flat monthly subscription starting at 99 USDT/month.

Whether you process $2,000 or $200,000 in volume, the software cost stays exactly the same.

Website: https://paycow.net
API Documentation: https://paycow.net/docs

I developed a todo GUI using only C and the Win32 API. I'm open to suggestions and contributions.

toxi360 — Mon, 26 May 2025 21:44:22 +0000

https://github.com/Efeckc17/simple-todo-c

GOSync – My open-source SSH file sync app with tray & encryption

toxi360 — Wed, 21 May 2025 18:30:33 +0000

Hey folks! 👋

I recently built GOSync, a lightweight desktop application that securely syncs files over SSH.

It supports both password and key authentication, has a real GUI (PySide6), and even runs silently in the system tray.

No cloud. No telemetry. Just your files — synchronized your way.

🔑 Features

✅ SSH-based authentication (key or password)
🖥️ GUI built with PySide6 (Qt for Python)
🔒 Encrypted settings saved locally
🔁 Auto and manual sync options
📥 File upload/download over SCP
📂 Two-panel file view (local and remote)
🛠️ Tray support with quick actions
🧪 Cross-platform builds: Windows (.zip) and Linux (.AppImage)

📦 Install & Use

You can grab the latest release here:

👉 GitHub – GOSync

No installer required — just extract and run.

Python source is also available if you'd like to run it manually or contribute.


bash
pip install -r requirements.txt
python main.py

YouTubeGO v4.4.11 — Cross-Platform YouTube Downloader (Open-Source, GUI, PyQt5)

toxi360 — Thu, 08 May 2025 20:26:11 +0000

After months of development and feedback, I'm proud to release YouTubeGO v4.4.11, a clean, cross-platform YouTube downloader built with Python & PyQt5.
It runs on Windows, Linux, and macOS, and includes:

Full GUI

Tray support

Scheduled downloads

Profile import/export

🔑 Key Features:

✅ Modern PyQt5 GUI (no terminal needed)

🎧 MP3 & MP4 support via yt-dlp

🗂 Playlist downloading

⏰ Schedule video/audio downloads

🧠 Profile system with export/import (settings, history, avatar)

📊 Built-in history management with search and export

🧪 30+ Pytest tests, GitHub Actions CI

💡 Lightweight and fast, no background telemetry

🔗 Download and Source:

🌐 Official Website: https://youtubego.org

💻 GitHub: https://github.com/Efeckc17/YoutubeGO

📥 Downloads: Available for Windows (.exe), Linux (.AppImage), and macOS (.zip)