hub20 0.4.0a1

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## Welcome to Hub20

Hub20 is a very-early stage open source, self-hosted online payment solution that can be considered as the Ethereum equivalent of [BTCPayServer](https://btcpayserver.org) payment gateway, allowing users to collect payments in Ethereum and any ERC20 token.

Hub20 also provides integration with [Raiden](https://raiden.network), so that if you have a node running you should be able to accept and send payments of ERC20 tokens with near-zero fees.

The possiblity of having low-fee payments, irreversibility of transactions and the usage of stablecoins such as [DAI](https://makerdao.com) make hub20 a very compelling offer for anyone that wants to receive payments online.

### More than a payment gateway

Hub20 also allows users sending their tokens to either other users of the hub as well as to any ethereum address, effectively turning any deployment of a hub20 server into an exclusive Paypal/Venmo/cryptobank for its users.

This works because hub20 offers the possibility of using custodial wallets for managing its funds. While this is not ideal for large deployments such as companies and crypto exchanges, for a self-hosted service this is more acceptable because the node operator is the one effectively controlling the wallets and therefore its keys.

This also opens the possibility for, e.g, enthusiasts to set up a hub20 node for their non-technical friends and family (i.e, people that are within their circle of trust) so that they can have an easy way to do transactions in cryptocurrency without ever having to deal with anything that hinders adoption: nothing to learn about wallets, no access to exchanges needed, no KYC, etc.