Interesting idea ! Personally, I hate that the world is moving towards an SaaS model, but I accept that's the way the world is.

From a business perspective, I've just gone through a serious process recently of trimming out those packages I don't use enough or which are no longer value for money. Too many packages have gone from £5, £10 or £20 a month two years ago to £50 or £100 or more a month now. That's an increase way above inflation, and almost always because the companies involved have been bought out by venture capital. It leaves a gap in the market for good products that are sensibly priced.

I like the plugin model that Wordpress uses, but it's something which will need careful thought and long-term planning. We dropped a WooCommerce site last year (which is effectively a Wordpress plugin), because it was getting incredibly slow, clunky and unmanageable. The key issues were plugins that stopped playing nice with each other as different teams updated each one, combined with problems handling growing volumes of historical data. With nearly 10,000 products and a stack of historical order data growing by several thousand a month, plus some real inefficiencies around email handling, it just didn't work.

So it's definitely a good idea, but needs good planning. It could create you a huge workload, though, so I'd suggest documenting everything as you do it so that it's easy to bring other talented coders onboard when you need them (not to mention that good documentation can be make or break from a user perspective). I wonder if using HBD as the native crypto, but enabling customers to pay in BTC, ETH etc that gets converted to HBD to minimise fees, would be a great core integration. Some people run from crypto, but if you can make it feel like a natural part of the system that might be less of an issue.

I'd say go for it, even though there is a lot to consider and a huge amount of marketing needed ! Just make sure you plan it out so you don't get overwhelmed, and make sure the monetisation model works for the users but also gives you enough to make it worthwhile !