| 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,
});
const quote = await client.getQuote({
paymentPlatforms: ['wise'],
fiatCurrency: 'EUR',
user: account.address,
recipient: account.address,
destinationChainId: 8453,
destinationToken: '0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913',
amount: '500000000',
isExactFiat: false,
});
const intentTxHash = await client.signalIntent({
depositId: quote.depositId,
amount: quote.amount,
toAddress: account.address,
processorName: quote.processorName,
payeeDetails: quote.payeeDetails,
fiatCurrencyCode: ,
: quote.,
});
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=...) |
