[X] My Assistant

I’ve been thinking a lot about how we handle payments for adult translation and art commissions,
and honestly, I’m surprised we’re still so dependent on PayPal, especially given how openly hostile they are
toward adult creators.

PayPal’s own policy explicitly bans transactions involving “sexually oriented materials or services” (source: [www.paypal.com] PayPal Policy),
which technically puts every adult-focused commission at risk. Many of us have heard, or lived through, stories where a single word like “doujin,” “NSFW,” or “18+” in the payment notes was enough to trigger a frozen account
or ban. Once that happens, your funds are locked for months, if not gone entirely. Add in the fees, unpredictable exchange rates, and multi-day processing delays, and it’s a system that feels outdated for the kind of global, creator-driven work we do.

Stablecoins like USDT or USDC seem like a natural solution that the community hasn’t fully embraced yet.
They are:

• Cheaper, since network fees are often under a dollar, especially on faster chains like Tron, Polygon, or BNB Smart Chain;
• Instant, with transfers settling in minutes instead of days; and
• Borderless, meaning no region locks, currency restrictions, or roadblocks that treat freelancers like
  potential criminals.

The process is simpler than people think. Create an account on a platform like Binance or Coinbase, whichever supports the specific stablecoin on your chosen network (such as BNB Smart Chain, Tron, or Polygon).
Get verified, and then you can buy stablecoins directly with a debit or credit card through those exchanges.
From there, it’s just a wallet address and a few clicks. The creator gets paid almost instantly and can cash out to their local currency through an exchange, usually faster and with less loss than PayPal’s conversion markup.

Of course, there are practical considerations: tracking payments for taxes and learning how to set up a wallet.
But these are manageable with a bit of guidance, and frankly, anyone taking commissions regularly should already have a basic system for record-keeping.

So what’s really holding us back? Is it the perception that “crypto = scam”?
Is it the fear of volatility, which stablecoins specifically solve?
Or is it just inertia, with people sticking with what’s familiar even if it’s unreliable?

I’m curious to hear from others: if a creator or freelancer you hire could no longer accept PayPal, would you be open to paying them in stablecoins instead? Have you ever tried it before?
Would you consider it if the process were as simple and trustworthy as sending a regular online payment?

I just hope we don’t look back in ten years wishing we’d realized sooner that using crypto in our community was the gateway we’d been waiting for all along.

Or is it just inertia, with people sticking with what’s familiar even if it’s unreliable?

Basically. Even in communities that are more prone to understand or even liking cryptocurrencies, if you give people a regular way to pay/donate the crypto payments will be a fraction of anything else. And that's assuming there's any crypto payments at all.

On top of that, cryptocurrencies stopped being about actually having cheap, usable currencies uncontrolled by any central authority a long, long time ago now. Since 99% of these shitcoins are non-fungible and trivially traceable, you can still easily be censored at the CEX level since they're all fucking powerful in the space now. And given all the new global legislation mandating KYC and AML, they can basically fuck you for whatever reason they or the governments of the world want to. Also, depending on your jurisdiction, cryptocurrency transactions can have additional tax implications.

Of course, there's still things like Monero, Haveno Reto and Bisq trying to keep the spirit of the scene alive, but it's largely grim out there man.

This post has been edited by Scumbini: Oct 28 2025, 02:00

So what’s really holding us back? Is it the perception that “crypto = scam”?

Uh, yeah. That's how Binance got fucked hard and their owner went to jail -- oh, wait.

Also, Stipe kinda exists as a Paypal replacement...

Also, Stipe kinda exists as a Paypal replacement...

[stripe.com] https://stripe.com/legal/restricted-busines...ited-businesses

Adult content and services (see the FAQs for additional details)

Adult services, including prostitution, escorts, pay-per-view, sexual massages, fetish services, mail-order brides, and adult live-chat features
Adult video stores
Gentleman's clubs, topless bars, and strip clubs
Pornography and other mature audience content (including literature, imagery, and other media) designed for the purpose of sexual gratification
Any artificial-intelligence generated content that meets the above criteria

This post has been edited by Scumbini: Oct 28 2025, 15:05

and yet several deputy services we know still use them