Such a product could not be a credit card, as it would run on rails of your traditional providers (Visa, MasterCard, etc). If you want to avoid traditional payment rails who can financially deplatform you, it has to be crypto (much to my dismay). Could you use ACH or Instant Payments from the Fed? For as long as the banks that support those payment rails don’t give you the boot.

Think Privacy.com/Lithic.com but using crypto and instant fiat->crypto conversions when the payments are made. No chargebacks, no refunds. The crypto or stablecoin are decentralized rails.

> Such a product could not be a credit card, as it would run on rails of your traditional providers (Visa, MasterCard, etc).

You'd have to build your own infrastructure, but you could make an actual credit card. It would have to be super jank at first (you might even have to cut actual physical checks at first). Fundamentally, a credit card is just you paying for somebody's transactions, and billing them at the end of the month (and suing them if they don't pay up).

It would be slow, and the service would be horrible, but the people accepting your money don't have a ton of other options.

I think the market for that is growing, but they'd have to thread a very tight needle reputation wise. The credit card business relies heavily on trust, and the major networks like Visa have literally decades of reputation behind them.

And fundamentally the reason that credit cards have that customer trust is that they make it easy for customers to get refunds when the product isn't delivered, which is very hard to do for an Onlyfans-like business where there's no way to "return faulty goods" - standing in the middle between clients who think they didn't get what they paid for and sellers who think someone just wants to copy their pics without paying is not going to be a fun place to be.