XRaydium vs Gumroad
Gumroad is a simple storefront for digital products and acts as merchant of record for tax. Its prohibited-products list includes crypto products. XRaydium is a fiat storefront for crypto and finance educators. Here is what each platform's own pages say.
Side by side
| Feature | XRaydium | Gumroad |
|---|---|---|
| Platform fee | Platform fee currently 0% on sales. Fiat, via Stripe. | 10% + $0.50 on direct and profile sales; 30% on sales through Discover. Gumroad states it is merchant of record for tax.source · read 13 Sep 2026 |
| Finance & crypto content | The terms bar misleading financial promotions; XRaydium is built for educational offers, not advice or signals. | Currency exchange, virtual currency, cryptocurrency and other crypto products are listed among prohibited products.source · read 13 Sep 2026 |
| What you can sell | One-off digital products and recurring memberships, priced in fiat. | Digital products and memberships.source · read 16 Sep 2026 |
| Payouts | Your buyer's card is charged by NorthPoint Marketing Solutions Oy, which operates XRaydium; the payment is then transferred to your connected Stripe account, and refunds and chargebacks are handled by the operator (terms §2). | Several selectable payout schedules.source · read 16 Sep 2026 |
How Gumroad works
Gumroad sells digital products and memberships, charges a different rate for sales through its Discover marketplace, and states it is merchant of record for tax. Its prohibited-products list names currency exchange, virtual currency, cryptocurrency and other crypto products.
Every competitor figure above links to the platform’s own page and shows the date we read it (register updated 2 Oct 2026). Pricing and policies change — verify current pricing with each provider before relying on a figure. The full register is published as open data. Platform rules for crypto & finance educators
What XRaydium does differently
An XRaydium offer can show, before anyone pays, who it is for, what is included and excluded, how and when it is delivered, and the refund rule — the terms the creator declared, recorded with the purchase. Crypto and finance listings also carry a general risk disclosure. Payments are fiat; there is no token, wallet or investment product.
Frequently asked questions
- How do XRaydium's fees compare to Gumroad's?
- Gumroad: 10% + $0.50 on direct and profile sales; 30% on sales through Discover. Gumroad states it is merchant of record for tax. (read 13 Sep 2026 on Gumroad's own page). XRaydium's platform fee is currently 0% on sales, plus Stripe processing. Pricing changes — check each provider's page.
- Does XRaydium involve any token or crypto payment?
- No. XRaydium is fiat-only: digital products and memberships paid by card. There is no token, wallet or investment product — 'crypto' refers to educators who teach about crypto, not to anything XRaydium issues.
Comparison is for information only and reflects publicly listed details at the time of writing; platform features and pricing change — verify current details with each provider. XRaydium is a fiat monetization platform; there is no token, wallet, or investment product. This is not legal or financial advice.