菜单
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.
用 Codex 或 Claude 帮你安装 复制这段 Prompt，粘贴到 Codex、Claude 或其他助手里，让它检查 Skill 页面并帮你完成安装。
基于 SOC 职业分类
| 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. |
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.
| 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.
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.
| 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 |
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.
To pay a freelancer $150 via Venmo:
See the peer-offramp skill for the complete SDK reference, including:
export PRIVATE_KEY="0x..." # Agent wallet private key (Base)
export ZKP2P_API_KEY="..." # ZKP2P API key for LP queries
| Contract | Address |
|---|---|
| Escrow | 0x2f121CDDCA6d652f35e8B3E560f9760898888888 |
| USDC | 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913 |
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.
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.