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But who'd be doing the solve? If you have a machine to do it then you have a product (but only until the captcha improves, after all that's the whole point). If it's humans, you're either pricing yourself out of the market or using slave labour.

There is captchatrader, which is sort of like that - you can "store" captchas by solving a lot of them at once. This earns you credit which you can use later to have your captchas solved for you.

See this: http://www.ghacks.net/2011/08/19/captcha-trader-automatic-fr...

Of course any such service can be used by spammers, so there is no real "white-hat"/"black-hat" distinction.

Seems like there would be no difference between the white-hat and the black-hat version except possibly in the mission statement on the "about us" page.