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Peer Pay

Payouts to the apps people already use

Paying people out is where most crypto-funded businesses lose them: a wallet to set up, an address to paste, a bank form to fill in, and a wait nobody can explain. Peer Pay payouts start from one API call. You fund the payout in crypto, the recipient signs in with their email, and they take it to the payment app they already use or to a crypto wallet. Hosted for them, tracked for you, and no wallet required on their side.

Who this serves

  • Online casinos and sweepstakes operators whose players deposit in crypto but want their winnings in Venmo, Cash App, or PayPal.
  • Creator and UGC platforms paying earnings, tips, and bounties to people who should never have to learn what a seed phrase is.
  • Affiliate, referral, and rewards programs sending many small payouts to recipients you know only by email.
  • Prediction markets, skill games, and marketplaces that hold user balances in crypto and need a clean exit to everyday money.

How a payout works

  1. Create it. One API call, or the dashboard, with the recipient’s email and the payout amount. You get back a deposit address, the exact amount to send, and a checkout link.
  2. Fund it in crypto. Send the quoted amount from the token and chain you already hold. It converts to USDC and lands in the recipient’s own wallet, tied to their email. Peer Pay detects the deposit on its own.
  3. They sign in with email. The recipient opens the link, enters a one-time code, and sees what they are owed. No wallet to install, no seed phrase, no gas to buy.
  4. They pick where it lands. Venmo, Cash App, PayPal, Zelle, Revolut or Chime, whichever you turn on, or a crypto wallet of their own.
  5. Paid, verified, recorded. They receive the full amount, in one payment or a few, each verified before the crypto behind it is released. You get a webhook at every step and a timeline in the dashboard.

Nobody in the middle holds the money

A payout never sits in a Peer balance. Your deposit converts and lands in the recipient’s own self-custodial wallet, and from there a peer on the Peer network pays them in their app. The fiat payment is verified by cryptographic proof before the crypto is released to that peer. The USDC stays in the recipient’s own wallet. Pay can move it only within a permission the recipient grants at sign-in, and only does so to list or pay out the withdrawal they chose. Once a payout is funded the money belongs to the recipient.

What you control

  • Your fee. Add your own payout fee from 0 to 10%, paid to your merchant wallet. The recipient sees the amount they receive and no fees.
  • Your platforms. Turn each payout app and crypto on or off for your business, and set the support link recipients see.
  • Your integration. Redirect to the hosted page, open it in a new tab, or embed it in your own cashier. The Payouts API and SDK cover create, get, list, and cancel.
  • Your records. Every payout in the merchant dashboard, filterable by recipient email, your reference, and status, with a timeline, webhook log, and CSV export.

The payout payments library

FAQ

What is a Peer Pay payout?

A payout you fund in crypto and the recipient takes as everyday money. You create it with their email and an amount, send crypto to the deposit address, and hand them a link. They sign in with a one-time code and withdraw to a payment app or a crypto wallet.

Does the recipient need a crypto wallet?

No. Their email is their account. A wallet tied to that email is set up for them in the background, gas is covered, and they never see a seed phrase. Recipients who want crypto can still send the payout to a wallet of their own.

Which apps can recipients withdraw to?

The payment apps you turn on for your business, from Venmo, Cash App, PayPal, Zelle, Revolut, and Chime, plus crypto to a wallet address. Peer can switch a platform off, in which case recipients no longer see it.

Which crypto can I fund a payout with?

The tokens and chains Peer Pay allows for your business, stablecoins and major tokens included. The deposit converts to USDC on the way to the recipient, and the quote tells you exactly how much to send.

Does Peer hold the money at any point?

No. The converted funds land in a self-custodial wallet the recipient owns, and the fiat payment comes from a peer whose payment is verified before the crypto is released to them. Peer Pay is software, not a money transmitter, bank, or payment processor.

Is there a limit per payout?

Each payout is up to 1,000 USDC, in whole multiples of the payout step you set, and is paid to the recipient in one payment or a few. Larger withdrawals run as several payouts to the same email.

Questions about your store, or moving over after a processor exit? Email sales@pay.peer.xyz, or create an account and run a test order in free demo mode. Merchants can be live the same day.