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PEER CRYPTO IN SECONDS, FOR LESS
PEER
Company Overview.
Description.
Peer is a decentralized, trust-minimized fiat-to-crypto on/offramp protocol built on zero-knowledge and MPC cryptography. Founded as ZKP2P during ZKHack in 2023 by Richard Liang and Sachin Kumar, it rebranded to Peer in February 2026. The protocol operates as a set of onchain smart contracts on Base that enable permissionless, non-custodial exchange between any offchain digital asset (e.g., Venmo, PayPal, Revolut payments) and any onchain asset (e.g., USDC, ETH, SOL). Peer supports 24+ fiat currencies across 20+ blockchain networks with settlement in 2–5 minutes.
Key Infrastructure.
V3 uses off-chain attestation via AWS Nitro Enclaves with a unified UnifiedPaymentVerifierV2, orchestrated intents through OrchestratorV2, and oracle rate management with Chainlink integration for auto-adjusted conversion rates.
The enclave validates payment data, applies seven on-chain invariants, and signs with a KMS-wrapped EIP-712 key that can only be unwrapped by an enclave running the published code measurement, ensuring cryptographic verifiability.
Version 0.6.0 removes the branded side panel, instead functioning as a stateless provider authentication and metadata bridge.
The extension captures provider auth tabs, encrypts Buyer TEE session material, and returns results to the calling application, allowing full white-label integration.
The SDK wraps the Peer Extension API via createPeerExtensionSdk, handles attestation service interaction through Zkp2pClient.fulfillIntent(), and supports gasless transactions via relayer preparation.
Available on npm at version 0.5.2 or newer.
The quoter surfaces deposit amounts, conversion rates, payment methods, currency pairs, and supports filtering by destination chain, token, amount, and supported payment platforms for efficient price discovery.
The gating service validates buyer intents before fund locking, conforming to the standard ZKP2P gating specification.
The service never custodies funds and operates purely as an access control layer without touching user assets.
Additional Features.
General Questions.
Peer is a decentralized, non-custodial protocol enabling trust-minimized fiat-to-crypto on/offramps using zero-knowledge proofs, TEE attestations, and MPC cryptography. It acts as infrastructure rails that allow anyone to buy or sell crypto using existing payment apps like Venmo, PayPal, or Revolut — without middlemen, additional KYC, or custodial risk.
Developer teams and fintech apps building crypto-fiat gateways. Key ecosystem projects include USDCtoFiat (P2P offramp, $500K+ liquidity), Zagnu (yield marketplace), and Peerlytics (protocol analytics). Peer's SDK and white-label extension enable any brand to embed on/offramp flows into their own products.
Peer operates as a permissionless open-source protocol — no regulatory licenses are held or required. The protocol does not custody funds, hold user assets, or function as a financial intermediary. Optional KYC gating is available for liquidity providers who choose to restrict access, but the base protocol is permissionless.
Primary deployment on Base mainnet with bridge support to Solana, Hyperliquid, Ethereum, and 20+ additional chains. Supports USDC and other stablecoins through protocol liquidity pools. Fiat currencies: 24+ including USD, EUR, GBP, AUD, CAD, CHF, MXN, ARS.
