What is Peer?
Peer is a peer-to-peer marketplace between payment apps and crypto. Buyers pay sellers directly on platforms like Venmo, Revolut, Wise, Cash App or PayPal. Peer verifies the payment privately, and the ZKP2P protocol releases the seller's crypto from escrow to the buyer. No exchange account or custodian sits in between.
How a trade works
- A seller (maker) deposits USDC into an escrow contract on Base and sets rates, payment platforms and order limits.
- A buyer (taker) picks an offer and starts an order, which locks that USDC for them.
- The buyer pays the seller from their own payment app.
- Peer's attestation service, running in a hardware-isolated enclave (TEE), checks the payment with the payment platform and signs the result. Payment details stay off-chain.
- The protocol's contracts check the signature and release the USDC to the buyer.
Verification relies on that service and the enclave. The trust assumptions are in Risks.
Peer and ZKP2P
Peer is the app at app.peer.xyz, also on iOS and Android: mobile.peer.xyz/download links to the App Store and Google Play and offers an APK for Android phones without Google Play. ZKP2P is the open protocol underneath. Anyone can build on it, provide liquidity or integrate it, and its contracts hold escrowed tokens and release them by public rules. See the Protocol docs or What is Peer on peer.xyz.
Where to start
- Buy crypto with a payment app: Buying Crypto with Peer
- Earn by providing liquidity: Provide Liquidity and Sell USDC
- Let a strategy price your deposit: Choose an Earning Strategy
- Run managed liquidity for others: Run a Vault