pay-humans-fiat

name	pay-humans-fiat
description	Pay humans in their local fiat currency (USD, EUR, GBP, etc.) from your USDC balance. Cheaper and faster than Stripe or PayPal. No KYC required. Use when the agent needs to pay a freelancer, send a bank transfer, pay for a real-world service, or compensate a human worker.

Pay Humans in Fiat

Agent has USDC. Human wants dollars, euros, or pounds in their bank account, Venmo, Wise, or Revolut. This skill bridges that gap -- the agent spends USDC, the human receives fiat. No bank account needed on the agent side.

Why Not Stripe or PayPal?

Method	Fee	Settlement	KYC Required	Agent-Native
Stripe Connect	2.9% + $0.30	2-3 business days	Yes	No
PayPal Payouts	2%	1-3 business days	Yes	No
Wire Transfer	$15-45 flat	1-5 business days	Yes	No
Peer Protocol	~1% spread	Minutes	No	Yes

Agents cannot complete KYC. They have no government ID, no SSN, no selfie. Peer Protocol requires none of that -- it is pure on-chain escrow with off-chain fiat settlement proven via zkTLS.

How It Works

1. FIND LP        Agent queries for a liquidity provider offering the best rate
2. LOCK USDC      Agent locks USDC in an on-chain escrow contract
3. LP SENDS FIAT  LP sends fiat to the human's payment account (Venmo, Wise, bank, etc.)
4. PROOF + SETTLE LP proves payment via zkTLS, escrow releases USDC to LP

Result: the human gets fiat, the agent's USDC covers it. The agent never touches fiat rails and does not generate any proofs -- the LP handles that.

Supported Payment Platforms

Platform	Regions	Example Currencies
Venmo	US	USD
CashApp	US	USD
Zelle	US	USD
PayPal	Global	USD, EUR, GBP, AUD
Wise	Global	USD, EUR, GBP, INR, BRL, 35+
Revolut	EU/UK/US	EUR, GBP, USD
Monzo	UK	GBP
N26	EU	EUR
MercadoPago	LATAM	BRL, ARS, MXN

Quick Example

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

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

// 1. Find best LP for Venmo/USD
const quote = await client.getQuote({
  paymentPlatforms: ['venmo'],
  fiatCurrency: 'USD',
  user: agentAddress,
  recipient: agentAddress,
  destinationChainId: 8453,
  destinationToken: '0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913',
  amount: '150000000',    // 150 USDC (6 decimals)
});

// 2. Approve USDC to escrow
await client.ensureAllowance({
  token: '0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913',
  amount: 150_000000n,
});

// 3. Lock USDC and tell the LP who to pay
const intentTx = await client.signalIntent({
  depositId: quote.depositId,
  amount: '150000000',
  toAddress: agentAddress,
  processorName: 'venmo',
  payeeDetails: quote.payeeDetails,
  fiatCurrencyCode: 'USD',
  conversionRate: quote.conversionRate,
});
// Done. LP sends fiat to the human, proves it, and collects the escrowed USDC.

Cost Example

To pay a freelancer $150 via Venmo:

• Agent spends: ~152 USDC (1.3% spread)
• Freelancer receives: $150 in their Venmo account
• Settlement time: minutes
• Gas cost: <$0.01 (Base L2)

Full Implementation Details

See the peer-offramp skill for the complete SDK reference, including:

• Payee detail hashing and registration
• Intent monitoring and fulfillment polling
• Intent cancellation and USDC recovery
• Rate selection strategy
• Direct indexer queries (GraphQL)
• Error handling and edge cases

Environment Variables

export PRIVATE_KEY="0x..."        # Agent wallet private key (Base)
export ZKP2P_API_KEY="..."        # ZKP2P API key for LP queries

Key Contracts (Base Mainnet)

Contract	Address
Escrow	0x2f121CDDCA6d652f35e8B3E560f9760898888888
USDC	0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913