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Access Groups and Deposit Access Policies

Groups are on-chain lists of wallets published and maintained by their named curators. A curator can define membership from trading history or another public criterion. As a maker, you record a Group on a deposit's access policy to choose which wallets can fill it.

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

Some bank-transfer rails carry less reversal risk than dispute-prone options such as PayPal and Venmo. Restricting may add less protection there while narrowing the pool of takers. Public is usually the better choice for those rails.

How groups work​

  1. A curator publishes the list. A curator assembles wallets under its published criteria and registers the Group on-chain. Every listing on app.peer.xyz/groups is checked against that on-chain record before it appears. The listing names the curator; inclusion in the feed does not transfer membership control to Peer.
  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.

To check your own wallet, open app.peer.xyz/groups and select My groups. Peer reads membership for the connected wallet from AddressGroupRegistry; there is no separate tier or curator API lookup.

Set a policy when creating a deposit​

  1. Start a deposit at app.peer.xyz from Trade, or Earn with Create deposit.
  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 stored on-chain. Member counts shown in the app are indexed and may lag the latest membership transaction.
  • A Restricted policy that names only empty cohorts would match nobody, so the app warns before you save one.
  • Access policies replace the legacy Trusted Takers whitelist. Trusted Takers stays enforced on deposits that already use it, but cannot be enabled on new deposits.
  • The production OrchestratorV3 lifecycle hook enforces the policy before funds are locked. Restricted with no matching direct address or Group membership fails closed.