# Peer - Move Money Peer to Peer

> Peer is a privacy-preserving, non-custodial peer-to-peer fiat<>crypto marketplace and payment protocol. Users move between fiat and crypto through buyer-generated cryptographic payment proofs, onchain escrow, and direct peer liquidity instead of a centralized exchange or custodial middleman. Peer was previously known as ZKP2P and is built on Base.

Primary URL: https://peer.xyz
App: https://app.peer.xyz
Docs: https://docs.peer.xyz

## What Peer is

Peer is a peer-to-peer crypto onramp and offramp. You can buy crypto using payment apps like Venmo, PayPal, Revolut, and Cash App, or sell crypto back to fiat. It is non-custodial, uses direct peer liquidity, and avoids custodial middlemen. Buyers generate cryptographic proofs that verify fiat payments while limiting exposed payment details.

## How Peer works

1. SEND - Connect via wallet, email, or socials, choose an offer, and send payment through a payment app you already use (Venmo, PayPal, Revolut, Cash App, etc.).
2. VERIFY - The buyer generates a cryptographic proof of the payment details needed for settlement without exposing their full account history.
3. RECEIVE - Once verified, crypto is released directly to your wallet. Timing depends on the payment rail and order flow.

## Why Peer

- FAST: Use direct payment rails and live order state instead of waiting on custodial provider approvals.
- FAIR: No custodial middleman and no hidden spread. Every transaction is direct, transparent, and priced by the market.
- SIMPLE: Pick an amount, pay the way you normally do, and you are done. No confusing steps.
- SECURE: Built on buyer-generated cryptographic payment proofs, not promises. Peer is non-custodial.

## Supported payment methods

Venmo, PayPal, Revolut, Cash App, Zelle, Wise, Monzo, N26, Chime, Mercado Pago, Alipay, and Luxon. More payment methods are added regularly.

Per-method guides:

- Venmo (USD): https://app.peer.xyz/buy/venmo
- PayPal (USD, EUR, GBP, AUD, CAD, NZD, SGD): https://app.peer.xyz/buy/paypal
- Cash App (USD): https://app.peer.xyz/buy/cashapp
- Revolut (24 currencies): https://app.peer.xyz/buy/revolut
- Zelle (USD, via Chase, Bank of America, or Citi): https://app.peer.xyz/buy/zelle
- Wise (31 currencies): https://app.peer.xyz/buy/wise
- Monzo (GBP): https://app.peer.xyz/buy/monzo
- Chime (USD): https://app.peer.xyz/buy/chime
- All currently available methods: https://app.peer.xyz/buy

Selling and supplying liquidity:

- Cash out crypto to your payment app: https://app.peer.xyz/sell
- Earn a premium supplying USDC liquidity (the spread the seller sets; no promised returns): https://peer.xyz/earn

## Supported chains

Built on Base, with bridging to Solana, Hyperliquid, Ethereum, and 20+ other chains.

## Supported currencies

30+ currencies including USD, EUR, GBP, AUD, CAD, CHF, MXN, and ARS.

## Fees and order sizes

- Fees: Peer applies up to a 0.95% taker service fee to orders. If you bridge to another chain, up to a 0.5% bridge fee also applies.
- Order sizes: determined by each seller's configured range, current liquidity, and route validation. Taker tiers do not set caps.
- Settlement time: varies by payment rail, proof verification, onchain release, and any bridge route.

## Privacy and verification

Buyer-generated cryptographic payment proofs confirm that the payment happened while limiting exposed payment details. Peer uses wallet connection and payment verification instead of a separate custodial offramp account flow.

## Who Peer is built for

- Privacy advocates: powered by buyer-generated cryptographic payment proofs, with minimized payment data exposure.
- Newcomers: get crypto simply and safely, without confusing steps.
- Liquidity providers: transparent demand and fair, market-driven returns.
- Traders: move value fast and stay ahead without extra verification.
- Businesses: Peer Pay (https://pay.peer.xyz) is checkout software on the Peer protocol for merchants that mainstream processors overlook. Customers pay in everyday apps, a buyer-generated cryptographic proof verifies each payment, and USDC settles to a wallet the merchant controls, with no processor balance, rolling reserve, or payout schedule.

## Frequently asked questions

Canonical FAQ page: https://peer.xyz/faq

Q: What is Peer?
A: Peer is a peer-to-peer crypto onramp and offramp. You can buy crypto using payment apps like Venmo, PayPal, Revolut, and Cash App, or sell crypto back to fiat. It is non-custodial and uses direct peer liquidity instead of custodial middlemen.

Q: How does Peer work?
A: Connect via wallet, email, or socials, choose an offer, and send payment through your preferred app (Venmo, PayPal, Revolut, Cash App, etc.). You generate a cryptographic proof of payment while limiting exposed payment details. Once verified, crypto is released directly to your wallet.

Q: What payment methods does Peer support?
A: Peer supports Venmo, PayPal, Revolut, Cash App, Zelle, Wise, Monzo, N26, Chime, Mercado Pago, Alipay, and Luxon. More payment methods are added regularly.

Q: What chains does Peer support?
A: Peer is built on Base and supports bridging to Solana, Hyperliquid, Ethereum, and 20+ other chains.

Q: What currencies does Peer support?
A: Peer supports 30+ currencies including USD, EUR, GBP, AUD, CAD, CHF, MXN, ARS, and more.

Q: How long does a Peer transaction take?
A: Timing varies by payment rail, verification, onchain release, and any bridge route.

Q: What are Peer's fees?
A: Peer applies up to a 0.95% taker service fee to orders. If you bridge to another chain, up to a 0.5% bridge fee also applies.

Q: Is my payment data private?
A: A buyer-generated cryptographic proof confirms that the payment happened while limiting exposed payment details. Only the amount, recipient, and timestamp are shared with the protocol; no bank details, transaction history, or personal information.

Q: Does Peer require identity verification?
A: You connect a wallet and use your existing payment apps. Peer uses buyer-generated cryptographic payment proofs instead of a separate custodial offramp account flow.

Q: What are the order limits?
A: Available order sizes come from each seller's configured range, current liquidity, and route validation. Taker tiers do not set caps.

## Official links

- App: https://app.peer.xyz
- iOS app (Peer: Pay & Earn, App Store): https://apps.apple.com/app/peer-pay-earn/id6749191100
- Android app (Peer: Pay & Earn, Google Play): https://play.google.com/store/apps/details?id=com.zkp2p.mobile.dev
- What is Peer (formerly ZKP2P): https://peer.xyz/what-is-peer
- Payment method guides and live offers: https://app.peer.xyz/buy
- Cash out crypto: https://app.peer.xyz/sell
- Earn a premium supplying liquidity: https://peer.xyz/earn
- Peer vs brokered onramps (MoonPay alternative): https://peer.xyz/moonpay-alternative
- Peer Cash SDK (@zkp2p/cash) - agent-first crypto offramp SDK for programmatic crypto-to-fiat cash-out. Start from Base USDC or route Relay-supported EVM assets or NEAR Intents 1Click external deposits into Base USDC first; the cashing-out user is the maker, and Base-USDC prepare flows return unsigned transactions plus readable steps: https://peer.xyz/cash-sdk
- Peer Pay, checkout software for businesses: https://pay.peer.xyz
- Peer Pay payment guides by industry: https://pay.peer.xyz/guides
- FAQ: https://peer.xyz/faq
- Documentation: https://docs.peer.xyz
- Blog: https://docs.peer.xyz/blog
- X / Twitter: https://x.com/peerxyz
- Discord: https://discord.gg/h3rzP79jj3
- GitHub: https://github.com/zkp2p