Thank you for the detailed feedback!
We agree that those three areas are "larger" problems but, in our opinion, a sustainable solution to them all necessitates that people stop relying on centralized hubs. Here's how WhyCloud aims to tackle each of those outlined problems:
1. Ethical and Sustainable Age Verification
We are against the idea of age verification but, since it is legally mandated in many places, any implemented AV solution should be free, open-source, and most-importantly client-based so that the information never leaves the user's machine. Thankfully, such a solution already exists with: go.cam
This is valid in both the UK and the EU. The US laws largely depend on individual lawsuits, so if it works in practice most creators should be decently protected.
WhyCloud can help configure a creator's site to implement this form of privacy-friendly AV and, in cases where creators are told that this is still not enough, we can configure their site to block those regions if the creator so desires.
With centralized solutions, they may pay the cost but that is simply more incentive to prohibit adult content entirely. The creator also has no choice over what form of age-verification they want to implement.
2. The Discovery Hub
We agree that discovery is the reason that creators stick to centralized solutions. Unfortunately, due the fact that they accept payments, these solutions are inherently susceptible to pressure from payment processers/card networks. Either the marketplace doesn't let people get paid or it gets censored. Even if Steam tried to route payments to adult games through crypto-only, payment processers are known to not care. High-risk content needs to be on a completely separate site, like with SubscribeStar.
With our Discovery Hub, there will be a primary instance that we run and moderate (to keep out malware, etc.). Any site with the appropriate plugin (which WhyCloud can install and configure automatically) can register itself with any Discovery Hub instances, such as ours.
When Users visit the Discovery Hub, they will be able to search and browse tagged content, create lists of favorites, see recommended content, and purchase content just like any other storefront. However, the purchases are in actuality routed through the individual creator's site behind the scenes. This way it is impossible for payment processers to pressure us to remove content, but at the same time it necessitates that people are hosting and processing payments themselves.
As a result, our Discovery Hub solves both the issue of discovery as well as being able to let users buy things, the federation is just the cherry on top.
The federation allows anyone to host their own hub, and users will see aggregated search results based on whatever hubs they subscribe to. It's much more similar to Bluesky in this regard, where most people will use the main hub but the option to use your own Personal Data Server is there.
3. Choice in Processing
We agree that this is the hardest problem to tackle but also believe that the actual problem comes down to fact that creators do not have any choice in the matter.
Do they want to:
1. Use PayPal/Stripe and barely conform to their policies or try to "slide under the radar" for as long as possible?
2. Sign up with a high-risk processer and have less content restrictions but need to pay large fees to Visa/Mastercard?
3. Accept payments through regional bank-to-bank methods such as Automated Clearing House, but accept that these are regional?
4. Accept payments through crypto, which is the most censorship resistant but also has a horrible stigma attached to it.
Currently, creators are forced into Option 1 most of the time. Option 2 is sometimes available, such as with SubscribeStar, but as you likely know even they are facing pressure.
Still, integrating sites with SubscribeStar will be a good option for a lot of creators. For others at least the last two options are still available to them if they host their own site.
Also, you mentioned it being easy to pay for a basic site that allows adult content, which is true, but it also locks non-technical creators into using that web-host (and also likely overpaying). WhyCloud makes it easy for creators to switch hosts if they so choose.
You seem like you know a lot about the issue and also care strongly about finding solutions. You should join our Discord if you want to talk more about potential solutions.