# Peer

> Peer is a peer-to-peer crypto onramp and offramp. Buy and sell crypto using the payment apps you already have - Venmo, PayPal, Revolut, Cash App, Wise, Zelle and more - with direct peer liquidity instead of a custodial middleman. Payments are verified with buyer-generated cryptographic proofs, funds stay non-custodial, and crypto is released directly to your wallet after payment verification. Peer was previously known as ZKP2P and is built on Base.

## What Peer does

- Buy crypto with everyday payment apps (Venmo, PayPal, Revolut, Cash App, Zelle, Wise, Monzo, Chime, Alipay, X Money, UPI).
- Sell crypto back to fiat through the same peer-to-peer network, and earn the spread you set as a liquidity provider.
- Verify payments with buyer-generated cryptographic proofs while limiting exposed payment details.
- Stay non-custodial: users always control their funds; there is no centralized exchange or custodian in the middle.
- Settle on Base with bridging to Solana, Hyperliquid, Ethereum, and 20+ chains.

## Key facts

- Settlement time: varies by payment rail, buyer flow, proof verification, and any bridge route.
- 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.
- Currencies: 24 supported, including USD, EUR, GBP, AUD, CAD, CHF, MXN, ARS.
- Order sizes: determined by each seller's configured range, current liquidity, and route validation. Taker tiers do not set caps.
- Identity: Peer uses wallet connection and buyer-generated cryptographic payment proofs instead of a separate custodial off-ramp account flow.

## Guides

- What is Peer (formerly ZKP2P): https://peer.xyz/what-is-peer
- Peer 华语社区：入门指南 (Simplified Chinese getting-started guide, maintained by the Peer Chinese community): https://peer.xyz/zh
- All payment methods: https://app.peer.xyz/buy
- Buy crypto with Venmo: https://app.peer.xyz/buy/venmo
- Buy crypto with PayPal: https://app.peer.xyz/buy/paypal
- Buy crypto with Cash App: https://app.peer.xyz/buy/cashapp
- Buy crypto with Revolut: https://app.peer.xyz/buy/revolut
- Buy crypto with Zelle: https://app.peer.xyz/buy/zelle
- Buy crypto with Wise: https://app.peer.xyz/buy/wise
- Buy crypto with Monzo: https://app.peer.xyz/buy/monzo
- Buy crypto with Chime: https://app.peer.xyz/buy/chime
- Buy crypto with X Money: https://app.peer.xyz/buy/xmoney
- Buy crypto with UPI: https://app.peer.xyz/buy/upi
- Cash out crypto to your payment app: https://app.peer.xyz/sell
- Earn a premium supplying USDC 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
- Optional Venmo receipt linking: Cash prepares the selected handle, opens Peer-hosted Google consent, and checks connection status. It never gates cash-out, accepts Google-hosted school/custom domains, and returns receipt-verification errors: https://docs.peer.xyz/developer/peer-cash/guide#optional-venmo-receipt-linking

## Peer Pay (for businesses)

Peer Pay is checkout software built on the Peer protocol for businesses that mainstream payment processors overlook. A customer pays in an everyday app (Venmo, Cash App, Zelle, PayPal, Revolut, Wise, and more), a buyer-generated cryptographic proof verifies the payment, and USDC settles to a wallet the merchant controls. There is no processor balance, rolling reserve, or payout schedule because no one holds the merchant's funds. Peer Pay is not a payment processor, merchant account, or money transmitter.

- Peer Pay: https://pay.peer.xyz
- Merchant docs: https://docs.pay.peer.xyz
- Payment guides by industry: https://pay.peer.xyz/guides
- Peer Pay for LLMs: https://pay.peer.xyz/llms.txt

## 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
- FAQ: https://peer.xyz/faq
- Documentation: https://docs.peer.xyz
- Blog: https://docs.peer.xyz/blog
- Full details for LLMs: https://peer.xyz/llms-full.txt
- X / Twitter: https://x.com/peerxyz
- GitHub: https://github.com/zkp2p