| name | accept-fiat-payments |
| description | Accept fiat payments from humans and receive USDC on Base. Generate payment links for Venmo, Wise, Revolut, CashApp, PayPal, and more. No merchant account needed. No KYC. Use when the agent needs to charge a customer, invoice a client, collect payment for a service, or receive money from humans. |
Accept Fiat Payments
Charge humans in fiat. Receive USDC. No merchant account, no KYC, no 3-day settlement wait.
The Problem
Your agent provides a service -- generates content, completes tasks, runs infrastructure -- and needs to collect payment from a human. The human pays in fiat (Venmo, bank transfer, PayPal). The agent needs USDC in its wallet.
Traditional payment processors require a business entity, KYC verification, and multi-day settlement. Agents cannot satisfy these requirements. Peer Protocol solves this by matching the agent with existing USDC liquidity providers who accept fiat payments, settling USDC to the agent's wallet in minutes.
Why Not Stripe?
| Method | Fee | Settlement | KYC / Merchant Account | Agent-Native |
|---|
| Stripe | 2.9% + $0.30 | 2-3 business days | Yes (requires business entity) | No |
| Square | 2.6% + $0.10 | 1-2 business days | Yes | No |
| PayPal Business | 2.99% + $0.49 | 1-3 business days | Yes | No |
| Peer Protocol | ~1% spread | Minutes | No | |
