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