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Hub20 is an open source, self-hosted web application that provides a wrapper for Ethereum and Raiden Network client nodes. It hides all of the complexity from end-users so that they can make and receive payments in ETH and any ERC20-compliant token using always the fastest/cheapest possible route without ever needing to know any technical detail. It also provides a set of APIs that effectively turn any deployment into a payment gateway for Ethereum tokens.

In practice, one can think of each instance of Hub20 of a single "crypto bank" where users simply have access to their individual accounts and token balances, while the person running the deployment (hub operator or hub owner) is the one with actual access to the bank vault and funds.