fiat-to-crypto

name	fiat-to-crypto
description	Convert fiat currency (USD, EUR, GBP, etc.) to USDC on Base. Agent-autonomous on-ramp via Wise, Venmo, Revolut, PayPal. No KYC, no exchange account needed. Use when the agent needs to buy crypto, replenish on-chain balance, convert bank funds to USDC, or fund a wallet.

Fiat to Crypto (Buy USDC)

Agent needs USDC on Base but only has access to fiat payment platforms -- a Wise account, Venmo balance, PayPal Business, etc. Traditional on-ramps are not an option.

The Problem

Exchanges require identity verification: photo ID, SSN, selfie checks, address proof. Agents cannot complete KYC. They need a permissionless path from fiat to USDC that runs entirely over APIs.

Why Not Coinbase or Binance?

Method	KYC Required	Agent-Autonomous	Speed	Min Amount
Coinbase	Yes (photo ID, SSN)	No	Hours-days	$1
Binance	Yes (photo ID)	No	Hours-days	$10
MoonPay / Transak	Yes (photo ID)	No	Minutes-hours	$20
Peer Protocol (ZKP2P)	No	Yes (Wise, PayPal)	Minutes	~$10

ZKP2P matches the agent with a human LP who has USDC locked in escrow. The agent sends fiat, proves payment cryptographically, and receives USDC on Base. No identity, no exchange account, no custodian.

How It Works

1. FIND LP          -> Best rate for (platform, currency, amount)
2. LOCK ESCROW      -> LP's USDC locked in smart contract
3. SEND FIAT        -> Agent sends payment via platform API
4. GENERATE PROOF   -> Headless Reclaim proof (automated, no browser)
5. SUBMIT PROOF     -> Attestation service signs EIP-712 attestation
6. RECEIVE USDC     -> On-chain settlement, USDC in agent's wallet

Settlement: typically under 5 minutes from fiat send to USDC receipt.

Platform Autonomy

Platform	Agent Readiness	Auth Method	Setup
Wise	100%	API token (long-lived)	One-time token generation
PayPal Business	100%	OAuth client credentials	One-time app registration
Venmo	80%	Session cookies	Cookie export every few days
Revolut Business	70%	OAuth + device trust	Initial device binding
CashApp	20%	Device-based	Human-in-the-loop
Zelle (any bank)	20%	Bank auth	Human-in-the-loop

Start with Wise for fully autonomous operation. Use Venmo with pre-exported cookies for semi-autonomous. Fall back to human-in-the-loop for CashApp/Zelle.

Quick Example

import { OfframpClient } from '@zkp2p/sdk';

const client = new OfframpClient({
  walletClient,
  chainId: 8453,
  runtimeEnv: 'production',
  apiKey: process.env.ZKP2P_API_KEY,
});

// 1. Get quote -- find best LP rate
const quote = await client.getQuote({
  paymentPlatforms: ['wise'],
  fiatCurrency: 'EUR',
  user: account.address,
  recipient: account.address,
  destinationChainId: 8453,
  destinationToken: '0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913',
  amount: '500000000', // 500 USDC (6 decimals)
  isExactFiat: false,
});

// 2. Signal intent -- lock LP's USDC in escrow
const intentTxHash = await client.signalIntent({
  depositId: quote.depositId,
  amount: quote.amount,
  toAddress: account.address,
  processorName: quote.processorName,
  payeeDetails: quote.payeeDetails,
  fiatCurrencyCode: 'EUR',
  conversionRate: quote.conversionRate,
});

// Steps 3-6: Send fiat, generate proof, submit, fulfill
// -> See the peer-onramp skill for full implementation

Cost Example

Buying 500 USDC via Wise (EUR):

You send	~510 EUR (at 1.02x conversion rate)
You receive	500 USDC on Base
LP spread	~2% (10 EUR)
Gas	<$0.01 (Base L2)
Settlement	~5 minutes

Rates vary by platform, currency, and liquidity. Query getQuote() with includeNearbyQuotes: true to compare across LPs.

Full Implementation

See the peer-onramp skill for the complete 6-step flow:

• Platform-specific fiat payment code (Wise REST API, Venmo cookies)
• Reclaim proof generation via @reclaimprotocol/attestor-core
• Attestation submission to attestation-service.zkp2p.xyz
• On-chain intent fulfillment via fulfillIntent()
• Wise two-proof flow (transfer list + delivery confirmation)
• Agent operation modes (fully autonomous, semi-autonomous, human-pays-agent-proves)

Taker Tiers and Intent Caps

Per-intent caps depend on the taker's history. New addresses start small (~$50) and graduate to higher caps as they complete successful intents. Caps also vary by platform risk level -- Wise/Revolut have higher caps than CashApp/Zelle.

See the peer-onramp skill for the full tier system (PEASANT through PEER_PRESIDENT), lockScore mechanics, and how to check your current tier via the Peerlytics API.

Environment Variables

Variable	Required	Description
PRIVATE_KEY	Yes	Agent wallet private key (Base, holds ETH for gas)
ZKP2P_API_KEY	Yes	ZKP2P platform API key
WISE_API_TOKEN	For Wise	Wise personal API token
VENMO_COOKIES	For Venmo	Exported session cookies (api_access_token=...; v_id=...)