Peer

@openrampkit/adapter-peer buys USDC on Base through the hosted Peer Pay checkout, with US payment apps (Venmo, Cash App, Zelle, Chime, PayPal) and Wise or Revolut (USD, EUR, GBP).

Opt-in: read this first

Peer is a peer-to-peer marketplace. A seller escrows USDC on Base, the buyer pays that seller in a payment app, and an attestation of the payment releases the USDC. There is no licensed provider or KYC step between buyer and seller. Liquidity is thin and moves by the minute. Venmo and PayPal payments can be charged back after settlement (paid from the merchant's stake). Paying strangers for crypto may breach the payment apps' terms.

The factory throws unless you pass enabled: true. Check your compliance position first.

New adapter

This adapter is new and still in progress.

import { peer } from '@openrampkit/adapter-peer'

peer({
  enabled: true,
  apiKey: process.env.PEER_API_KEY!,
  webhookSecret: process.env.PEER_WEBHOOK_SECRET!,
  env: 'production',
})

To get the keys, see Get provider keys.

Options

Option	Type	Default	Description
enabled	true	required	The opt-in flag
apiKey	string	required	Merchant API key. Sandbox and live keys are separate.
webhookSecret	string	required	Peer reports settlement only by webhook
env	'sandbox' | 'production'	required	Which key you pass. 'live' is a deprecated alias of 'production'. The server checks env against livemode.
rails	string[]	all	venmo, cashapp, zelle, chime, paypal, revolut, wise
feePayer	'MERCHANT' | 'PAYEE' | 'SPLIT'	merchant setting	Who pays the fee
buyerFeeShareBps	number	none	With SPLIT: the buyer's share, 0 to 10000 in steps of 1000
feeBps	number	295	Plan fee for estimates (Base plan 2.95%, Pro 4.95%)
surface	'redirect' | 'iframe'	'redirect'	Popup or embedded checkout
liquidityCheck	boolean	true	Hide rails with no sellers in the orderbook
apiUrl, checkoutUrl, orderbookUrl	string	Peer defaults	Hosts

Legs

Leg (rail)	Method	Fiat	Countries
venmo	venmo	USD	US
cashapp	cash_app	USD	US
zelle	zelle	USD	US
chime	chime	USD	US
paypal	paypal	USD	US
revolut	revolut	USD, EUR, GBP	US, GB, EEA
wise	wise	USD, EUR, GBP	all

All legs deliver USDC on Base. The platform minimum is 10 USDC per order.

Quotes and start

• Quote: checks availability for the rail (POST /api/v1/merchants/me/quotes/availability); no availability gives NO_QUOTES. The USDC estimate comes from the public orderbook (or 1:1 for USD), minus the plan fee.
• The guarantee is estimate: a seller fills the order only when the user pays, and availability locks no rate. Quotes expire after 2 minutes (quoteExpiresAt(2)).
• Fees: one provider fee ("Peer fee"), with included: true. With feePayer: 'PAYEE', it is in fiat and part of the grossed-up input. Else it is in USDC and comes off the output.
• Start: POST /api/v1/orders with the rail, the destination address on Base and an idempotency key. The checkout URL is https://pay.peer.xyz/?order=...&token=....
• Surface: REDIRECT by default. With surface: 'iframe', an IFRAME that declares the checkout.success, checkout.failed and checkout.closed messages.
• Status: GET /api/v1/orders/{orderId}.
• providerRef: the Peer order id. It is also the leg ref.

Peer order status	Leg
CREATED	no event: the user has not paid yet
PARTIALLY_FULFILLED	processing, detail code processing
FULFILLED	succeeded, with the fulfil transaction as the destination transaction (on Base)
CANCELLED	failed
other	no event: the adapter logs the unknown status once (statusMap), and the leg keeps its current step

Webhooks

Register {baseUrl}/webhooks/peer with Peer (POST /api/v1/webhooks) and pass the returned secret as webhookSecret.

• Verification: X-Webhook-Signature is the hex HMAC-SHA256 of {X-Webhook-Timestamp}.{body}, 5 minute tolerance. The adapter checks it with verifyTimestampedHmac from @openrampkit/adapter.
• ORDER_FULFILLED completes the leg with the settled USDC amount and the fulfil transaction. ORDER_CANCELLED fails it. Expired or failed payment attempts keep the leg waiting, because a late settlement can still fulfil the order.

Verified vs TO VERIFY

• TO VERIFY: PayPal liquidity outside USD.
• TO VERIFY: with feePayer: 'SPLIT', the estimate is computed like MERCHANT.