If you run a marketplace, a platform, or a creator network, your payment problem is different from a single merchant's. You're not just collecting money — you're splitting it. Your cut, the vendor's cut, maybe a referrer's cut, on every single transaction. Do that with a custodial processor and you've become a money-handling middleman, with all the licensing and freeze-risk that implies.
Here's how to take your cut automatically, on-chain, without ever holding anyone's funds.
The split happens at settlement, not after
The clean model is simple: when a customer pays, the smart contract splits the payment at the moment of settlement. Your platform fee routes to you, the remainder routes to the vendor — in the same transaction, on-chain, with no manual reconciliation and no batch payout job at the end of the month.
You set a per-vendor fee percentage. The contract enforces it. Nobody has to trust a spreadsheet.
Vendors who don't have a wallet yet
The hard part of onboarding vendors to crypto is that most of them aren't crypto-native. Making a freelancer set up a wallet before they can earn a cent kills your signup funnel.
A trust layer solves this: your platform can create user-level accounts with zero crypto setup from the vendor — no wallet, no seed phrase, no password required up front. Payments route to your platform's wallet, and an off-chain ledger tracks exactly what's owed to whom, with an on-chain transaction hash captured for every payment so it's all verifiable.
When the vendor is ready, they claim: they set a password, connect a wallet, and you sign one transaction that sends their earned balance to them. From that point on it's fully non-custodial. You never had to gate onboarding behind a wallet setup.
(One honest boundary: unclaimed accounts can receive one-time payments, not subscriptions — subscriptions bind to the recipient's wallet at creation, which unclaimed users don't have yet. It's a security feature, and it's worth knowing up front.)
Books that actually reconcile
Marketplaces have the worst accounting problem in payments: you need to reconcile your cut against every vendor's cut, across every transaction. A proper export gives you that in one file — gross amount, your platform fee, the vendor fee, network fees, and the USD value at the moment of receipt, per transaction, with a direct block-explorer link. Your accountant doesn't have to reconstruct historical exchange rates by hand.
What it costs, what you keep
QBitFlow's fee is a flat 1.5% per transaction, enforced on-chain — no monthly platform bill. Your platform's cut is separate and set by you. Both are taken automatically at settlement. Your vendors receive the exact token the customer paid; no conversion, no slippage. And nobody — not us, not you — ever custodies the customer's money in transit.
Getting started
Connect your wallet (extension or QR, no seed phrases), set your per-vendor fee, and you can run a full split flow on testnet in minutes. The contracts are open-source and auditable on GitHub — not formally third-party audited yet (that's on the roadmap), so you can read exactly how the split is enforced before you trust it.
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