Buy Crypto with Zelle
You can buy crypto with Zelle on Peer using Chase, Bank of America, or Citi. Choose an offer, send a Zelle payment to the seller from your bank's app or site, and Peer verifies the payment with a zero-knowledge proof generated from your bank's Zelle activity. USDC is then released from onchain escrow directly to your wallet.
How to buy crypto with Zelle
Choose a Zelle offer
Open the Peer app, enter the amount of USDC you want, and select an offer that accepts Zelle. You'll pay through your own bank — Chase, Bank of America, and Citi are supported.
Send the Zelle payment from your bank
In your bank's app or website, send the exact quoted USD amount to the recipient shown in Peer, in a single payment. Use the same bank end-to-end — don't switch banks mid-flow.
Verify with a zero-knowledge proof
Peer generates a zero-knowledge proof from your bank's Zelle payment record. Only the amount, recipient, and timestamp are shared — your balance and statement history stay private.
Receive USDC in your wallet
Once verified, escrow releases USDC directly to your wallet on Base, with bridging available to Solana, Hyperliquid, Ethereum, and 20+ other chains.
Zelle on Peer at a glance
- Currencies
- USD
- Settlement
- Crypto typically arrives 2-5 minutes after payment; bridging to other chains adds 1-2 minutes.
- Order limits
- Order limits are based on your Taker Tier, which increases as you complete more orders. Limits range from $100 to $10,000 depending on your tier.
- Custody
- Peer is non-custodial: crypto sits in onchain escrow until your payment is verified, then it is released directly to your wallet.
- Chains
- Peer is built on Base and supports bridging to Solana, Hyperliquid, Ethereum, and 20+ other chains.
Zelle payment rules
- Pay through a supported bank: Chase, Bank of America, or Citi.
- Send the exact quoted amount in a single payment, and complete the whole flow with the same bank you started with.
- Enter the recipient exactly as shown in the Peer app.
- Do not mention Peer, crypto, or related terms in the payment memo.
Zelle FAQs
Can I buy crypto with Zelle?
Yes. On Peer you buy USDC from another person and pay them over Zelle from your own bank account. A zero-knowledge proof verifies the payment and onchain escrow releases the crypto to your wallet, typically in 2-5 minutes.
Which banks work with Zelle on Peer?
Chase, Bank of America, and Citi are supported. You send the payment from your bank's own app or website, and verification runs against that bank's Zelle payment record.
Why does the bank matter if it's all Zelle?
Peer verifies your payment with a zero-knowledge proof generated from your bank's Zelle activity, and each bank presents that data differently. Start and finish the purchase with the same supported bank.
Which currencies does Zelle support on Peer?
Zelle offers on Peer are denominated in USD and require a US bank account with Zelle enabled. For other currencies, use Revolut, Wise, or PayPal offers.
Does buying crypto with Zelle require identity verification?
No additional verification is required on Peer. You pay from the bank account you already have, and the zero-knowledge proof shares only the amount, recipient, and timestamp — never your bank details.