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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.
Codex 또는 Claude로 설치 이 Prompt를 복사해 Codex, Claude 또는 다른 어시스턴트에 붙여 넣으면 Skill 페이지를 검토하고 설치를 진행할 수 있습니다.
SOC 직업 분류 기준
| 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. |
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.
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.
| 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.
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 | 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.
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
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.
See the peer-onramp skill for the complete 6-step flow:
@reclaimprotocol/attestor-coreattestation-service.zkp2p.xyzfulfillIntent()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.
| 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=...) |
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.
Generate ZKP2P Pay checkout links for receiving fiat payments as USDC. Create checkout sessions, send payment links to users, and handle webhook notifications for payment completion. Use when the user wants to accept payments, generate a payment link, or receive fiat payments as crypto.
Analyze Peer protocol health and performance — volume trends, liquidity depth, spreads, maker/taker leaderboards, and market data. Use when the agent wants to understand protocol metrics, compare periods, rank participants, or assess market conditions.
Check fiat-to-USDC exchange rates, spreads, and liquidity across payment platforms. Query live orderbook, compare rates across Venmo/Wise/Revolut/PayPal, and find the cheapest way to move between fiat and crypto. Use when the agent needs exchange rates, wants to compare payment options, or needs market data before a transaction.
Earn fees on idle USDC by providing liquidity on Peer protocol. Deposit USDC, set your rates, and earn 1-5% on every fiat-to-crypto exchange routed through your deposit. Fully on-chain, no KYC. Use when the agent has idle USDC and wants to generate yield, provide liquidity, or earn passive income.
Look up any deposit, intent, address, maker, or verifier on the Peer protocol. Search transactions, check address history, inspect maker portfolios, and view verifier stats. Use when someone asks to find or inspect on-chain Peer data.