P2P.me (P2P)

P2P me is a decentralized, non-custodial platform that enables users to swap fiat and USDC using QR codes. Powered by zero-knowledge KYC (ZK-KYC), it ensures secure, fraud-resistant, and private transactions, empowering real-world crypto payments without intermediaries.

Seed Round: $2M

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What is P2P.me

P2P Protocol coordinates fiat-to-stablecoin trades without custodying fiat. A user clicks "Buy USDC" or "Sell USDC" and the protocol assigns a merchant on-chain based on their staked USDC. Merchants provide fiat liquidity on local payment rails (UPI, PIX, QRIS, etc.) while settlement, matching, dispute windows, and fee routing all execute on-chain with no backend server or PII retention.

Fraud prevention is handled by the Proof-of-Credibility system, which combines ZK-TLS social verification, on-chain Reputation Points, and Reputation-based tiering to gate transaction limits. New users verify social accounts and government IDs through ZK-KYC (zero-knowledge proofs via Reclaim Protocol), earn Reputation Points with each successful trade, and unlock higher tiers as their on-chain credibility grows. This naturally gates new accounts and reduces fraud surface to fewer than 1 in 1,000 transactions, all without exposing personal data.

Operations are decentralized through Circles of Trust: community-backed groups of merchants run by Circle Admins who stake $P2P. Delegators stake $P2P to earn revenue share, and insurance pools cover disputes and slashing. Every participant has skin in the game through staked capital. The protocol earns revenue from transaction fees alone, with no token emissions or inflationary incentives.