How to Provide Liquidity and Sell USDC
As a seller (maker), you deposit USDC into the protocol's escrow on Base, choose where buyers pay you, and set your rates. Buyers pay your account directly, and the escrow releases USDC to them once the payment is verified. For an overview of how makers earn, see Earn a premium on peer.xyz.
Before you start
- USDC on Base. Coming from another chain or an exchange? See Provide Liquidity from a Different Chain.
- An account on at least one supported payment platform.
- A wallet, or an email, Google or X sign-in (gas is sponsored).
- For Wise, PayPal, Alipay and Cash App, the Peer browser extension on desktop Chrome or Brave.
Step 1: Check the market
Open Buy → Orderbook on app.peer.xyz. It shows each currency's live rates versus market, depth and order limits, so you can see where your rate needs to sit to fill.
Step 2: Add your amount and platforms
Open Sell → Advanced. Sell → Express is a one-off cash-out instead.
- Enter the USDC Amount, or select Max. Start small on your first deposit.
- Select Add platform, choose where buyers pay you, and enter your account details:
| Platform | Currencies | Account details |
|---|---|---|
| Venmo | USD | Venmo username, without @ (case sensitive) |
| Cash App | USD | Cashtag without $, set as discoverable |
| Zelle | USD | The email enrolled with Zelle; confirm the enrollment box |
| Chime | USD | $ChimeSign with $, set as discoverable |
| X Money (Beta) | USD | X username, with or without @ |
| Revolut | Multiple | Revtag without @, set as publicly discoverable |
| Wise | Multiple | Wisetag without @ |
| PayPal | Multiple | PayPal.me username, not your email |
| Monzo | GBP | Monzo.me username |
| Monobank | UAH | Ukrainian IBAN |
| Alipay (Beta) | CNY | Alipay email and the first character of your real name |
| UPI (Beta) | INR | UPI ID, for example name@bank |
Buyers send money exactly where these details point, so double-check them. The app lists each platform's currencies. For Alipay rules, see 卖家指南：用支付宝出金.
Peer checks that an X username exists, not that it can receive X Money. Confirm your X account can receive X Money first.
Wise, PayPal and Alipay accounts must be verified in the Peer extension before the deposit can go live. PayPal Personal and Business accounts both work; a Business account needs a published PayPal.Me profile and a confirmed primary email.
Step 3: Set your rates
Each platform card lists its currencies. Select Add to accept another currency; more platforms and currencies reach more buyers. For each currency:
- ARM currencies track the market. Set your premium or discount with the slider or the - and + buttons. See Automated Rate Management.
- Manual currencies have no market feed. Enter a fixed rate; the badge shows how it compares with the market.
- Optionally turn on Floor to set a minimum rate. See How to Set a Floor Rate.
The chart shows where your rate (You) sits against other sellers and the market.
Step 4: Connect Seller Autopilot
Seller Autopilot lets Peer's verification enclave confirm payments from your side, so orders complete without you. Venmo, Cash App, PayPal and X Money deposits need it before you can create them; on Wise it's optional. Select Connect for your platform and follow the prompts:
| Platform | How Autopilot connects |
|---|---|
| Venmo, PayPal, X Money | Connect the Gmail, personal Outlook or iCloud Mail inbox that gets the platform's payment receipts. It needs one receipt there; if you have none, receive $1 first. |
| Cash App | Sign in to Cash App through the Peer extension. |
| Wise | Add a Wise Personal API token, where Wise offers them. |
For X Money, turn on email notifications and keep them on.
Step 5: Choose settings and create the deposit
Under Automation, you can also turn on Telegram notifications (Notifications) and an Earning Strategy (Choose an Earning Strategy). Under Advanced settings:
- Retain on Empty keeps the deposit's settings after it empties, so you can top it up later.
- Order Limits sets Min per order and Max per order.
Select Review Deposit, check the summary, then select Create Deposit. Approve USDC if your wallet asks, then confirm the deposit transaction.
Step 6: Get paid
Your deposit appears under Sell → Manage. When a buyer fills it, they pay your account and verify the payment, and the escrow releases the USDC. You don't need to do anything. Use Manage Funds on the deposit to add or remove available USDC; funds locked in open orders stay reserved until those orders complete or expire.
See How to Monitor Your Deposit, and Handling Manual Releases for when a buyer can't verify a payment.
Venmo and PayPal chargebacks
Venmo and PayPal orders are dispute-protected by buyer stake or a held payout (see Stake to Take). If a buyer reverses a completed payment:
- In your deposit's Orders tab, open the order's menu and select View in Explorer.
- Select Report an issue and verify the case email Venmo or PayPal sent you.
- If the buyer's stake or held payout for the order is still locked, select Submit report and confirm the two transactions. Otherwise, the app sends your case to Peer support.
Tips
- Price to fill. Small premiums fill fast; oversized ones sit idle. See Calculating Maker PnL and APR.
- Use a dedicated payment account for clean bookkeeping.
- Never share your seed phrase. No one from Peer will ask for it.
- Questions? Ask in the Peer Telegram.