🏪 archetype: marketplace

Run a two-sided platform without an OFAC felony.

Building Uber-style / Etsy-style / B2B marketplace? GreatCTO auto-detects the marketplace archetype and ships Stripe Connect / Adyen MarketPay payouts, seller KYC (Persona / Onfido / Sumsub), OFAC sanctions screening, marketplace facilitator tax (US Wayfair), 1099-K reporting, escrow + dispute mediation, and EU DSA + P2B gates from day one.

$ npx great-cto init Back to home ↗
What you avoid

The 5 marketplace bugs that land C-suite in court.

Without GreatCTO

  • ☐Payout to unscreened seller — OFAC violation · officer liability
  • ☐No KYC at $10k threshold — FinCEN audit · fines
  • ☐Marketplace tax not collected in 45 states — Wayfair audit · back taxes
  • ☐1099-K not issued — IRS penalties · seller class action
  • ☐Funds commingled with operating capital — ‘not in trust' lawsuit
  • ☐Felony exposure · audit storm · platform shutdown.

With GreatCTO

  • ✓marketplace-reviewer enforces Persona KYC before first listing
  • ✓OFAC + EU CFSP + UK HMT screening at signup + quarterly
  • ✓Stripe Tax / Avalara per-state nexus · automated remittance
  • ✓1099-K issued by Jan 31 · W-9 collected · TIN matching
  • ✓Funds in PSP balance · escrow with hold-and-release · dispute freeze
  • ✓Compliant in 50 states + EU + UK · audit-defensible.
Auto-applied gates

Detected: stripe-connect + persona / onfido →
marketplace archetype.

Compliance auto-suggested: pci-dss · kyc-aml · dsa-eu · 1099-k · ofac · wayfair. Specialist agents activated:

01 · marketplace-reviewer

Two-sided payouts + KYC

Stripe Connect / Adyen MarketPay decision · seller KYC + KYB · OFAC + sanctions screening · marketplace facilitator tax · 1099-K · escrow / hold-and-release · dispute mediation · two-sided fee model · DSA / P2B compliance.

02 · pci-reviewer

Buyer-side payments

PCI-DSS scope · idempotency on charges · webhook signature · refund / dispute flow · SCA / PSD2 · PSP failover.

03 · regulated-reviewer

EU DSA + P2B

Article 16 notice-and-action · trader traceability · transparency report (VLOP) · P2B 15-day terms-change notice · ranking transparency · suspension explanation + appeal.

04 · security-officer

OFAC + abuse + fraud

Sanctions screening pipeline · fraud detection · review moderation · counterfeit detection · CSAM hash + NCMEC reporting (if image/video listings).

Domain pack overlays

Likely to overlay on marketplace.

Packs auto-attach when CLI detects pack-specific signals (e.g. twilio in deps → voice-pack). Each pack adds its own reviewer agents + human gates on top of the base archetype pipeline.

+ EM Fintech
India DPDP, Nigeria CBN, Brazil BCB/LGPD, MAS, OJK, BSP, local rails
+ Lending/Credit
ECOA / Reg B, FCRA, NMLS state matrix, MLA, BISG fair-lending
Real-world examples

Companies operating as marketplace.

7 startups in this space. Click for full pack mapping.

Halodoc
Indonesian telehealth + pharmacy
growthID
Practo
India's largest doctor-discovery + telehealth
growthIN
Rappi
LATAM super-app (delivery + fintech)
growthCO
Remedial Health
B2B e-commerce + fintech for African pharmacies
series-aNG
DirectShifts
Helps healthcare workers find career opportunities
seedUS
Infiuss Health
Two-sided marketplace for medical research
seedCM
Mederva Health
US medical expertise to international doctors
seedUS

Listed companies operate in this space. Inclusion is based on publicly available product descriptions and does not imply endorsement of or by GreatCTO.

30 seconds

Drop into any Stripe Connect / Adyen MarketPay / two-sided platform.

$ npx great-cto init
no signup·runs locally·pay your own API