请问HN：你们是如何在应用中验证加密货币支付的？
我正在构建一个接受USDC支付的SaaS。简单的需求是：客户发送稳定币，我需要知道它们何时到达以及金额是否匹配。目前的选项似乎有：
1. 支付处理器（如Coinbase Commerce、NOWPayments）——处理所有事务，但每笔交易收取0.5%-1%的费用。在一笔1万美元的支付中，这意味着仅确认费用就要50-100美元。
2. 自己动手使用Alchemy/Infura的webhooks——轮询转账事件，匹配金额，跟踪确认，处理重组，构建重试逻辑。我花了大约两周时间，但仍然不够稳定。
有没有折中的办法？有没有什么只做验证部分的解决方案——“告诉我在Y地址收到X金额”——而不涉及保管、结账或费用的开销？
我很好奇其他人是如何处理这个问题的，特别是在像Base这样的二层网络上，交易成本微乎其微，但验证基础设施的复杂性与主网相同。
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I'm building a SaaS that accepts USDC payments. Simple requirement: customer sends stablecoins, I need to know when they arrived and the amount matches.
Current options seem to be:<p>1. Payment processor (Coinbase Commerce, NOWPayments) — handles everything but takes 0.5-1% per transaction. On a $10k payment that's $50-100 just for confirmation.<p>2. DIY with Alchemy/Infura webhooks — poll for Transfer events, match amounts, track confirmations, handle reorgs, build retry logic. Took me ~2 weeks and it's still brittle.<p>Is there a middle ground? Something that just does the verification part — "tell me when X amount arrived at Y address" — without the custody/checkout/fee overhead?
Curious how others are handling this, especially on L2s like Base where tx costs are negligible but verification infra is the same complexity as mainnet.