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ZeroSettle is a drop-in SDK that lets mobile app developers skip Apple's 30% cut on in-app purchases by switching users to direct billing - charging just 5% + $0.50 per transaction instead. Built by two former Apple software engineers and backed by Y Combinator (W26), ZeroSettle arrived at the exact moment the Epic v. Apple ruling cracked open a $150B+ market. Setup takes 15 minutes, and developers get instant Stripe payouts, built-in tax compliance across 190+ countries, and smart conversion flows to migrate existing subscribers - all without touching App Store rules.

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