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Access Groups and Deposit Access Policies

Groups are on-chain lists of taker wallets with verified trading history, published and maintained by independent curators. As a maker, you can record a group on a deposit's access policy to plan which takers can fill it.

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Access policies are recorded on-chain but are not enforced yet. A policy you save today does not filter orders. Enforcement will ship in a later protocol upgrade.

Who is this for?​

  • Makers selling on reversible rails like PayPal and Venmo, where a buyer can dispute a payment after USDC is released
  • Makers who want their liquidity filled by takers with a proven trading history

If your deposit only accepts irreversible rails like Zelle or Wise, a restriction adds little protection and narrows the pool of takers who can fill you. Public is usually the better record there.

How groups work​

  1. A curator publishes the list. A curator assembles taker wallets, usually by trading history, and registers the group on-chain. Every listing on app.peer.xyz/groups is verified against that on-chain record before it shows as verified. Peer runs none of the groups.
  2. You record it on a deposit. Choose Restricted on a deposit you own and store groups or individual addresses in its access policy. One wallet confirmation records it.
  3. The list keeps moving. Curators add and remove members after you save. Recording a group is standing trust in whoever controls it, now and later, not a one-time snapshot.

Each group's page shows its qualifying bar, member count, refresh cadence, and the curator address that controls membership, along with the curator's published criteria.

Set a policy when creating a deposit​

  1. Start a deposit at app.peer.xyz from Trade, or Earn with Provide liquidity.
  2. In Settings, switch Access policy from Public to Restricted.
  3. Pick a cohort. Wider cohorts keep more potential fills; narrower cohorts have higher qualifying bars.
  4. Review and submit. The policy is recorded with a second wallet confirmation after the deposit transaction.

Set or change a policy on an existing deposit​

  1. Open the deposit from Earn and select the Access tab.
  2. Select Edit, then switch the policy between Public and Restricted.
  3. Select the groups to record, and optionally store individual wallet addresses alongside them.
  4. Select Save policy and confirm in your wallet.

Switching a deposit back to Public keeps any stored groups and addresses on-chain but leaves them inactive.

Key behaviors​

  • Policies are recorded per deposit and can only be changed by the deposit owner while the deposit is open.
  • Recording a group delegates its membership to the group's curator, including whoever controls the group in the future.
  • Group membership is indexed on-chain. Member counts on the groups page reflect the last index, not a Peer-maintained list.
  • A Restricted policy that names only empty cohorts would match nobody once enforcement ships, so the app warns before you save one.
  • Access policies are separate from Trusted Takers, which restricts a deposit to specific wallet addresses and is enforced today.