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offramp-only SDK for routing Relay or NEAR Intents assets to Base USDC, then cashing out to fiat at zero-spread on-chain oracle market rates.","maintainers":[{"name":"0xsachink","email":"0xsachink@gmail.com"},{"name":"richardliang","email":"richardliang2015@u.northwestern.edu"},{"name":"kartik4152","email":"gaming4152@gmail.com"},{"name":"prlabs","email":"prlabs.ltd@gmail.com"},{"name":"davyjonespeer","email":"andrew@zkp2p.xyz"}],"readme":"# @zkp2p/cash\n\nRoute Relay-supported EVM assets or NEAR Intents 1Click external deposits into\nBase USDC, then cash out to fiat on Venmo, Revolut, Wise, Alipay, Zelle, and\nmore at a zero-spread on-chain oracle market rate with no centralized off-ramp\nprovider. Every corridor, including Alipay/CNY and UPI/INR, binds the live\nBase oracle when a buyer signals.\n\nPeer Cash is an **offramp-only** SDK for the [ZKP2P](https://peer.xyz)\nprotocol. The cashing-out user is the maker: their USDC becomes a deposit in\nthe protocol contracts, a buyer pays them fiat and proves the payment, and the\nSDK gives the integrator a small set of typed verbs plus readable order state.\nNo hosted widget, no provider custody, no quote engine to maintain.\n\n**[npm](https://www.npmjs.com/package/@zkp2p/cash)** · **[Lifecycle and recovery](docs/lifecycle-and-recovery.md)** · **[Partner integrations](docs/partner-integrations.md)** · **[Agent integration manual](AGENTS.md)**\n\n## Install\n\n```sh\nnpm install @zkp2p/cash viem\n```\n\n## Quickstart\n\n```ts\nimport { createCashClient, usdc } from '@zkp2p/cash';\n\nconst cash = createCashClient({ environment: 'production' });\n\nconst est = await cash.estimate({ amount: usdc(1000), currency: 'USD' });\n// { rate: 1, receiveAmount: 1000, kind: 'oracle-estimate', eta: { seconds, label } }\n// \"≈\", never a locked quote. Base USDC remains the default source.\n\n// Progressive UI: render rate/receive first, then resolve the exact pair ETA.\nconst rateOnly = await cash.estimate(\n  { amount: usdc(1000), currency: 'USD' },\n  { includeEta: false },\n);\nconst fillStats = await cash.fillStats();\nconst pairStats = fillStats['venmo:USD'];\nconst multiCurrencyStats = fillStats['revolut:EUR+GBP+USD'];\n\nconst { depositId, accessPolicyTxHashes } = await cash.cashout(\n  {\n    amount: usdc(1000),\n    receive: { platform: 'venmo', currency: 'USD', payee: '@you' },\n  },\n  { signer }, // any viem WalletClient on Base, including an EOA\n);\n// Venmo and PayPal return only after their access policy confirms.\nconsole.log(depositId, accessPolicyTxHashes);\n\n// One method can offer several currencies. The buyer chooses the fill\n// currency, and each option resolves at its own live oracle rate.\nconst fastFill = await cash.cashout(\n  {\n    amount: usdc(1000),\n    receive: {\n      platform: 'revolut',\n      currencies: ['EUR', 'GBP', 'USD'],\n      payee: { offchainId: 'revtag' },\n    },\n  },\n  { signer },\n);\n\n// One order can also offer several platforms (each at most once). The buyer\n// picks the leg they can pay. Inspect capabilities().platforms[].pricing for\n// the exact rate-binding semantics of each corridor.\nconst widestReach = await cash.cashout(\n  {\n    amount: usdc(1000),\n    receive: [\n      { platform: 'venmo', currency: 'USD', payee: '@you' },\n      { platform: 'revolut', currencies: ['EUR', 'GBP'], payee: { offchainId: 'revtag' } },\n    ],\n  },\n  { signer },\n);\n\n// Alipay/CNY uses the same signal-time oracle path. New Alipay payees need\n// the identity attestation prepared by first-party Peer web.\nconst alipayEstimate = await cash.estimate({\n  amount: usdc(1000),\n  platform: 'alipay',\n  currency: 'CNY',\n});\n// alipayEstimate.binding === 'intent-signal'\n\nfor await (const order of cash.watch(depositId)) {\n  console.log(order.state, order.explain());\n  if (order.state === 'delivered') break;\n}\n```\n\n### Staging and preproduction UPI cash-out\n\nUPI requires the canonical UPI/INR catalog and INR oracle config from the\npinned `@zkp2p/sdk` 0.14.5; missing oracle support disables the corridor.\nUPI is available in every environment without an opt-in. Any valid UPI ID from any bank can receive a cash-out. The seller\ndoes not connect a bank account, install an extension, or complete a separate\nregistration flow:\n\n```ts\nconst cash = createCashClient({\n  environment: 'preproduction',\n});\n\nawait cash.cashout(\n  {\n    amount: usdc(25),\n    receive: { platform: 'upi', currency: 'INR', payee: 'seller@bank' },\n  },\n  { signer },\n);\n```\n\nBuyers pay and verify through Amazon Pay using standard UPI. UPI Lite and\nmerchant payments are unsupported. The seller may receive at a valid UPI ID\nfrom any bank.\n\nUPI/INR and Alipay/CNY use ZKP2P-operated AggregatorV3-compatible feeds on Base,\nthrough the SDK's Chainlink oracle adapter with `invert: true` and zero spread.\nThe SDK feed catalog supplies the addresses and determines oracle availability;\nCash adds no currency exceptions. Estimates read through the normal Base\n`transport` / `rpcUrl`; deposits float until each buyer signals an intent.\nUPI is available in production, preproduction, and staging without a feature flag.\n\nWith `@zkp2p/sdk` 0.14.5, Express Cash intentionally also offers\nWise/INR, Wise/CNY, and Revolut/CNY because corridor support derives from\noracle availability and each platform's currency catalog. The exact INR/CNY\ncorridor set in production, preproduction, and staging is UPI/INR, Wise/INR,\nAlipay/CNY, Wise/CNY, and Revolut/CNY. All five use zero-spread oracle pricing\nbound at intent signal; currencies without an oracle config remain unsupported.\n\nSee [the INR/CNY migration notes](docs/lifecycle-and-recovery.md#inrcny-oracle-migration-breaking) before upgrading an existing integration.\n\n## Pick the right SDK\n\nPeer Cash and the general ZKP2P SDK serve different integration depths:\n\n| Package       | Use it when                                       | Boundary                                                                                                                                                                                  |\n| ------------- | ------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n| `@zkp2p/cash` | Cash-out is the product                           | Offramp only. The user is always the maker, the destination is Base USDC, pricing is zero-spread Base oracles at intent signal, and the SDK owns the resumable order lifecycle.           |\n| `@zkp2p/sdk`  | You are composing directly with the Peer protocol | General maker and taker operations, deposits, intents, proofs, quotes, vaults, rate managers, referrals, hooks, and API helpers. Your application owns the workflow and protocol choices. |\n\nPeer Cash is a narrow facade over `@zkp2p/sdk`, not a replacement for it. It\ncannot express custom spreads, buyer-side proof flows, vaults, disputes, or\narbitrary protocol operations.\n\n## The core verbs\n\n| Verb                                                           | What it does                                                                                                                    |\n| -------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------- |\n| `prepareVenmoGmailConnect(payee, { returnUrl }?)`              | Optional Venmo handle registration; returns the payee hash and hosted URL, with an optional app callback                        |\n| `openVenmoGmailConnect(payeeDetails)`                          | Optional browser popup/tab; call directly from a click                                                                          |\n| `isVenmoGmailConnected(payeeDetails)`                          | Read whether an active Gmail or Outlook receipt credential exists                                                               |\n| `capabilities()`                                               | Sync discovery: Base USDC destination/default source, platforms × currencies × payee hints × amount bounds                      |\n| `capabilities({ includeRelaySources: true })`                  | Async discovery: adds live Relay SDK EVM source chains/tokens                                                                   |\n| `capabilities({ includeNearIntentsSources: true })`            | Async discovery: adds live NEAR Intents 1Click source assets                                                                    |\n| `fillStats()`                                                  | Cached 30-day fill counts and median first-fill time per exact `platform:currency` pair or sorted multi-currency set            |\n| `quoteSource(input)` / `executeSourceQuote(quote, { signer })` | Relay SDK EVM source routing into Base USDC before cashout                                                                      |\n| `relayStatus(requestId)`                                       | Relay request status from the Relay SDK request path                                                                            |\n| `quoteNearIntentsSource(input)`                                | Signed 1Click quote with an origin-chain deposit address and optional memo                                                      |\n| `submitNearIntentsDeposit(input)` / `nearIntentsStatus(input)` | Optionally register an origin tx, then track 1Click delivery/refund evidence                                                    |\n| `estimate({ amount, currency, platform? }, { includeEta? })`   | Base USDC market-rate estimate with an explicit `binding`; optionally skip historical ETA                                       |\n| `cashout(input, { signer })`                                   | Creates the order with any viem wallet; restricted methods then attach the Peer Pay merchant policy                             |\n| `prepare(input)` / `finalizePreparedCashout(receipt)`          | Prepare external signing, resolve the deposit, then iterate `accessPolicyPaymentMethods` for follow-ups                         |\n| `prepareAccessPolicy(depositId, paymentMethod)`                | Prepare one post-deposit, method-scoped Peer Pay merchant policy transaction                                                    |\n| `order(depositId)` / `orders(owner)`                           | Resume any order from its id alone; list all orders for a wallet                                                                |\n| `watch(depositId)`                                             | Async iterator: yields on every state change until terminal, abort, or timeout                                                  |\n| `withdraw(depositId, { signer, amount? })`                     | The ONE unwind verb - partial with an `amount` (live intents don't block it), full close without (prunes expired intents first) |\n| `topUp(depositId, amount, { signer })`                         | Add USDC to a live order - same payee, same market rate                                                                         |\n| `buyer(address)`                                               | A buyer's track record from their intent history - who just matched your order?                                                 |\n\nBase-USDC cashout, withdraw, and top-up have unsigned counterparts (`prepare`,\n`prepareWithdraw`, `prepareTopUp`). The unsigned path returns raw `txs[]` plus\na same-index `steps[]` plan such as `approve`, `createDeposit`, or\n`withdrawDeposit`, so wallets, AA systems, and agents can show what each\ntransaction does before signing. `prepare()` is Base-USDC-only and rejects a\n`source` with `SOURCE_ROUTE_UNSUPPORTED_IN_PREPARE`. A signer-backed app can\nuse `cashout({ source }, { signer, sourceSigner })`; a custody-separated host\nmust execute and confirm its Relay route before preparing the Base-USDC\ncashout. After externally executing a prepared `createDeposit`, pass its\nconfirmed receipt to `finalizePreparedCashout()` to recover the same\n`CashoutResult` shape as `cashout()` without importing protocol ABIs. Every\nPeer Cash transaction, including approves, carries ERC-8021 attribution:\n`peer-cash` first, optional `peer-ref-XXXXXX` from `referralCode` next, and your\nanalytics-only `referrer` code(s) after it.\n\nOrder reads fail closed against the same active catalog. If any method on an\nindexed deposit is unsupported, `orders()` excludes the whole deposit and\n`order()` returns `ORDER_NOT_FOUND`; Peer Cash never partially reclassifies a\nmixed historical deposit.\n\n## Optional Venmo receipt linking\n\nPartners such as Tailgate can offer **Link Venmo** separately from cash-out.\n`cashout()` and `prepare()` never open Gmail or Outlook, check receipt\ncredentials, or require this step. Skipping or cancelling linking leaves cash-out available.\n\n```ts\nimport { createCashClient, VenmoGmailConnectError } from '@zkp2p/cash';\n\nconst cash = createCashClient({ environment: 'production' });\n// Run when the user selects their Venmo account, before enabling Link Venmo.\nconst link = await cash.prepareVenmoGmailConnect('@yourhandle');\n\n// Call directly from the button click, with no async work before this call.\nlinkButton.onclick = () => {\n  cash.openVenmoGmailConnect(link.payeeDetails).catch((error: unknown) => {\n    if (error instanceof VenmoGmailConnectError) {\n      console.log(error.code, error.message);\n    }\n  });\n};\n\n// After completion, returning from a tab, or an ambiguous popup closure:\nconst connected = await cash.isVenmoGmailConnected(link.payeeDetails);\n```\n\nThe handle is registered with the environment's Curator and its authoritative\npayee hash goes to the hosted link. Re-prepare if the selected handle changes.\nPersist the hash with the environment and user account for later status checks.\n`link.url` also works as a normal link for redirect or native-browser hosts;\nthose hosts must check status after the user returns.\n\nProduction uses `app.peer.xyz`, preproduction `ramp-preprod.peer.xyz`, and\nstaging `ramp-staging.peer.xyz`. `peerOrigin` and `curatorUrl` allow explicit\noverrides. Browser helpers require no React, extension, wallet, or signer.\nPreparation and status reads also work on the server.\n\nDesktop opens a popup; mobile requests a new browser tab (including Safari).\nThe browser controls presentation and may sever the opener connection. In that\ncase check status rather than assuming `connection_closed` or\n`connection_timeout` means verification failed. Status is true only for an\nactive `google_oauth` or `microsoft_oauth` credential; lookup failures reject.\nVersions before `0.6.3-rc.2` count only `google_oauth`.\n\nThe hosted page offers Gmail, including Google-hosted school/custom-domain\ninboxes, and personal Outlook. It verifies actual receipts; there is no\nemail-domain precheck. A missing receipt reports\n`venmo_google_oauth_receipt_not_found` (Gmail) or\n`VENMO_MICROSOFT_OAUTH_RECEIPT_NOT_FOUND` (Outlook) through\n`VenmoGmailConnectError.code`. Cancellation, popup blocking, and other hosted\nerrors retain their codes. This error class is separate from `CashError`;\nregistration and status service errors also reject. Emails and mailbox tokens\nnever pass through the partner app or Cash SDK.\n\nSee [the browser example](examples/venmo-link.ts). JSON codecs are exported for\n`PreparedVenmoGmailConnect` and `VenmoGmailConnectResult`.\n\n### Return to an Expo / React Native app\n\nCash `0.6.2` supports an optional callback on the prepared URL. The popup\nhelper is browser-only; native apps open the URL using their system browser\nsession:\n\n```ts\nimport { createCashClient } from '@zkp2p/cash';\nimport * as WebBrowser from 'expo-web-browser';\n\nconst cash = createCashClient({ environment: 'production' });\nconst returnUrl = 'partner-app://venmo-linked';\nconst link = await cash.prepareVenmoGmailConnect('@yourhandle', { returnUrl });\nawait WebBrowser.openAuthSessionAsync(link.url, returnUrl);\nconst connected = await cash.isVenmoGmailConnected(link.payeeDetails);\n```\n\nRegister the callback scheme in your app binary and test on iOS and Android;\nsee [Expo's callback requirements](https://docs.expo.dev/versions/latest/sdk/webbrowser/#webbrowseropenauthsessionasyncurl-redirecturl-options).\nPeer requires no callback registration or deployment configuration. After\nverification, the hosted page navigates to `returnUrl` unchanged: no mailbox\ncredentials, email, account hash, or status are appended. Errors remain on\nthe page with a manual return button. Always re-check connection status on\nreturn or dismissal; a browser return alone is not proof of linking.\n\nPreparation and status checks can stay on your backend. If it already has\n`payeeDetails`, your app needs no Cash package:\n\n```ts\nconst connectUrl = new URL('https://app.peer.xyz/connect/venmo');\nconnectUrl.searchParams.set('returnUrl', returnUrl);\nconnectUrl.hash = payeeDetails;\nawait WebBrowser.openAuthSessionAsync(connectUrl.toString(), returnUrl);\n// Re-check seller-credential/status through your backend.\n```\n\nWithout a callback, or with an empty one, the hosted page attempts to close\nafter verification. Script-opened desktop popups can close; mobile tabs that\nblock closure retain the success page for manual dismissal.\n\n### Customize the hosted popup\n\nWith `@zkp2p/cash@0.6.1`, configure branding once on the client. The same\nappearance is used by `link.url` and `openVenmoGmailConnect()`.\n\n```ts\nconst cash = createCashClient({\n  environment: 'production',\n  venmoGmail: {\n    appearance: {\n      logoUrl: 'https://your-app.example/logo.png',\n      logoAlt: 'Your app',\n      backgroundColor: '#FFFFFF',\n      textColor: '#172033',\n      secondaryTextColor: '#636B7A',\n      buttonColor: '#6246EA',\n      buttonTextColor: '#FFFFFF',\n      fontFamily: 'Inter, sans-serif',\n      headingTextTransform: 'none',\n      buttonTextTransform: 'none',\n      buttonBorderRadius: 12,\n      buttonHeight: 52,\n    },\n    popup: { width: 500, height: 620 },\n  },\n});\n```\n\nYour hosted logo appears beside Venmo with three connecting dots. Without a\npartner logo, the page shows Peer beside Venmo. Colors use\nhex values and dimensions use pixels. Optional `fontUrl` accepts a hosted\nWOFF/WOFF2 font with cross-origin loading enabled. Popup dimensions apply to\ndesktop; mobile browsers control the new tab's size. Styling never changes\nconsent, account selection, or receipt verification.\n\nSee the [full appearance options](https://www.npmjs.com/package/@zkp2p/sdk#popup-customization).\n\n## Payout rails and access policies\n\n| Payout rail           | Access-policy behavior                                                     | New payee registration                                                                 |\n| --------------------- | -------------------------------------------------------------------------- | -------------------------------------------------------------------------------------- |\n| Venmo                 | Peer Pay merchant policy attaches for that payment method                  | Curator validates the live handle                                                      |\n| PayPal                | Same method-scoped Peer Pay follow-up                                      | Requires a Peer TEE browser-extension identity attestation                             |\n| Cash App              | No access-policy follow-up; non-chargebackable and no stake required       | Curator validates the live handle                                                      |\n| X Money (USD)         | No access-policy follow-up                                                 | Bare lowercase X username; X Money must be enabled on the receiving account            |\n| Wise                  | No access-policy follow-up                                                 | Requires a Peer TEE browser-extension identity attestation                             |\n| UPI                   | No access-policy follow-up                                                 | Any valid UPI ID; no account connection or identity attestation                        |\n| Other supported rails | No access-policy follow-up; use `capabilities()` for currencies and format | Follow the `payeeHint`; live-validation behavior is described in the integration guide |\n\nUse `receive: { platform: 'xmoney', currency: 'USD', payee: '@YourHandle' }`\nfor X Money. Raw handles are trimmed, lowercased, and stripped of a leading `@`;\nstructured payee data must already use `offchainId: 'yourhandle'`. Registration\nnormalizes the handle but does not verify that the X account exists or can receive\nX Money. Confirm that the receiving account has X Money enabled before cashing out.\n\nNo platform requires an atomic access-policy flow. `cashout()` and `prepare()`\nwork with any viem `WalletClient`, including a local or externally connected\nEOA; no Privy wallet or signer API is required. The deprecated\n`requiresAtomicAccessPolicy` capability remains for wire compatibility and is\nalways `false`.\n\nVenmo and PayPal cash-outs restrict intent signaling to the Peer Pay\nmerchant group by default. Each restricted payout method gets its own policy.\nSigned `cashout()` creates the deposit first, then uses the same wallet to\nsubmit and confirm every required policy transaction; this intentionally\nleaves a brief interval where any taker can signal. Method-scoped dispute\nprotection is already default-on for these rails, so Cash neither\nreadiness-gates deposit creation nor submits\n`setDisputeProtectionEnabled(true)`. Prepared integrations receive\n`accessPolicyPaymentMethods`; after confirming `createDeposit`, call\n`finalizePreparedCashout(receipt)`, then submit\n`prepareAccessPolicy(depositId, paymentMethod)` once for every returned method.\nOther platforms do not need the follow-up.\n\nIf policy attachment fails, `ACCESS_POLICY_CONFIGURATION_FAILED.recovery`\nidentifies the existing deposit and any submitted policy transaction. Never\ncreate another cash-out. When `recovery.transactionHash` is present, inspect\nthat transaction before resubmitting; otherwise prepare the policy again with\nthe same depositor wallet.\n\n`capabilities()` presents Zelle as one platform. A cashout with\n`receive.platform: 'zelle'` attaches only the generic Zelle payment method to\nthe deposit. Bank-specific capture routing is outside this maker-side SDK and\nnever changes the on-chain payment method.\n\n`capabilities()` tells you which platforms need a verified identity for a new\npayee registration (`requiresIdentityAttestation` - Wise and PayPal today).\nThe SDK accepts an `identityAttestation` in structured payee data but does not\nmint one. First-party Peer web obtains it through the Peer TEE browser\nextension. An already-registered Wise or PayPal handle can be reused with bare\npayee data. A new handle without its signed attestation fails during curator\nregistration with `PAYEE_VERIFICATION_REQUIRED`, before funds move on-chain.\n\n## Source routing\n\n### Relay (signed EVM route)\n\nThe default/minimal flow is unchanged: pass Base USDC base units to\n`estimate()` and `cashout()`. For any other source asset, pass `source` to\n`cashout()` with a source-chain signer. The SDK settles the Base allowance,\nexecutes the Relay route into Base USDC, then creates the Peer Cash order. Use\n`EXACT_INPUT` in cash-out UIs so `amount` always means source-token base units.\nThe destination is always canonical Base USDC\n(`8453:0x833589fcd6edb6e08f4c7c32d4f71b54bda02913`); source support is\ndiscovered and quoted by `@relayprotocol/relay-sdk`, not a static token\nallowlist.\n\n```ts\nconst { depositId, accessPolicyTxHashes, source } = await cash.cashout(\n  {\n    amount: 10_000_000n, // exact input: 10 USDC in source-token base units\n    source: {\n      chainId: 1,\n      currency: '0xa0b86991c6218b36c1d19d4a2e9eb0ce3606eb48',\n      tradeType: 'EXACT_INPUT',\n    },\n    receive: { platform: 'venmo', currency: 'USD', payee: { offchainId: '@you' } },\n  },\n  { signer, sourceSigner },\n);\n\n// source.amount is Relay's guaranteed minimum Base USDC output and the exact\n// amount deposited into the cash-out order. It is not the route's actual output.\nconsole.log(source?.amount, source?.requestId);\nconsole.log(source?.transactions?.origin, source?.transactions?.destination);\nconsole.log(accessPolicyTxHashes); // one entry because this example uses Venmo\n```\n\nRoutes that submit more than one source-chain transaction (approve, then\nroute) require a nonce-managed source signer -\n`privateKeyToAccount(pk, { nonceManager })` from viem. Without one the SDK\nrefuses the route preflight with `SOURCE_NONCE_MANAGER_REQUIRED` instead of\nletting the route transaction reuse the approval's nonce and revert\nmid-route. Browser wallets are unaffected.\n\n### NEAR Intents (external-deposit route)\n\nNEAR Intents 1Click supports non-EVM origins such as Zcash, so the SDK does\nnot pretend a viem wallet can execute the source transfer. It returns a signed\nquote with an origin-chain `depositAddress` and optional `depositMemo`; your\nwallet sends exactly once, then the SDK tracks the provider route into\ncanonical Base USDC. Use `EXACT_OUTPUT` when the Peer order amount must be\nknown before the origin send.\n\n```ts\nconst cash = createCashClient({\n  environment: 'production',\n  nearIntents: {\n    // Browser-safe same-origin proxy; it keeps the 1Click JWT server-side.\n    apiUrl: '/api/v1/near',\n    transport: 'proxy',\n  },\n});\n\nconst sources = await cash.capabilities({ includeNearIntentsSources: true });\nconst zec = sources.source.nearIntents?.assets.find((asset) => asset.symbol === 'ZEC');\nconst quote = await cash.quoteNearIntentsSource({\n  sourceAsset: zec!.assetId,\n  amount: 1_000_000n, // exact 1 Base USDC output\n  recipient: baseSigner.account.address,\n  refundTo: transparentZcashRefundAddress,\n  tradeType: 'EXACT_OUTPUT',\n  deadline: new Date(Date.now() + 3 * 60_000).toISOString(),\n});\n\npersist(quote); // before sending: address, memo, signed response, deadline\nconst originTxHash = await zcashWallet.send(quote.depositAddress!, quote.inputAmount);\nawait cash.submitNearIntentsDeposit({\n  depositAddress: quote.depositAddress!,\n  ...(quote.depositMemo ? { depositMemo: quote.depositMemo } : {}),\n  txHash: originTxHash,\n});\nconst route = await cash.nearIntentsStatus({\n  depositAddress: quote.depositAddress!,\n  ...(quote.depositMemo ? { depositMemo: quote.depositMemo } : {}),\n  expectedQuote: quote,\n});\n// On SUCCESS, reconcile the Base receipt/balance, then call Base-only cashout().\n```\n\nDirect server integrations may pass `nearIntents: { token }`. Browser code\nmust use a same-origin proxy and must never receive the 1Click JWT. Never reuse\nan expired deposit address, resend funds after an uncertain wallet submission,\nor infer success from a wallet-wide balance alone. If optional deposit\nregistration fails, retry only `submitNearIntentsDeposit()` with the same hash;\n1Click can also detect the transfer on-chain.\n\n## Source-route recovery\n\nPersist `depositId`, transaction hashes, and the Relay `requestId` as soon as\nthey are available. A source-routed result includes both a flat\n`source.txHashes` list and chain-aware `source.transactions.origin` /\n`.destination` entries.\n\n- `SOURCE_EXECUTION_FAILED` where only the approval landed: the Relay request\n  can stay in `relayStatus` `waiting` indefinitely. Decide from the error's\n  recovery payload and origin transactions, never by waiting for a terminal\n  Relay status.\n- `SOURCE_DEPOSIT_SUBMISSION_FAILED`: the NEAR Intents origin transaction may\n  already be final. Retry only the provider notification with the same address\n  and hash; never resend source funds.\n- `SOURCE_ROUTE_COMPLETED_CASHOUT_FAILED`: Relay completed, but the Base\n  cashout was not created. Do not route again. Retry a Base-USDC-only\n  `cashout()` with `BigInt(error.recovery.amount)`.\n- `SOURCE_CASHOUT_SUBMISSION_UNKNOWN`: Relay completed, but Base submission\n  returned no transaction hash. Inspect recent Base wallet activity and\n  `orders(error.recovery.depositor)` to prove no deposit exists before retrying.\n- `SOURCE_CASHOUT_STATUS_UNKNOWN`: the Base cashout transaction was submitted,\n  but its receipt is unknown. Do not route or submit again. Inspect\n  `error.recovery.depositTxHash`; recover the `depositId` from its\n  `DepositReceived` log if it succeeded, or use the recovery amount for a\n  Base-USDC-only retry only after confirming it reverted.\n- `TRANSACTION_SUBMISSION_UNKNOWN`: a Base-only cashout or another mutation\n  returned no hash. Treat it as potentially broadcast. Inspect recent Base\n  wallet activity and the supplied recovery action before any retry.\n- `ACCESS_POLICY_CONFIGURATION_FAILED`: the deposit exists, but its required\n  Venmo or PayPal policy was not confirmed. Do not cash out again;\n  inspect `recovery.transactionHash` when present, then retry\n  `prepareAccessPolicy(error.recovery.depositId, error.recovery.paymentMethod)`\n  only if the prior policy\n  transaction did not succeed.\n\nWallet clients pinned to the wrong chain fail with `SIGNER_CHAIN_MISMATCH`\nbefore a quote or transaction is submitted. Chainless wallets are checked\nthrough `getChainId()`; a disconnected wallet returns retryable\n`SIGNER_CHAIN_UNAVAILABLE`. Indexer and oracle transport outages are typed as\nretryable `INDEXER_UNAVAILABLE` and `ORACLE_READ_FAILED` reads; retry the read\nwithout repeating any transaction. `TRANSACTION_STATUS_UNKNOWN` carries the\nsubmitted hash in `error.recovery.transactionHash` so recovery never depends\non parsing an error message.\n\n## Lifecycle\n\n```\n            buyer signals            fiat proven\nawaiting-buyer ──────────► matched ──────────► delivered\n      │                       │    (partial fills pass through \"delivering\")\n      │ withdraw()            │ buyer never pays → intent expires\n      ▼                       ▼ withdraw() prunes + returns funds\n   returned ◄─────────────────┘\n```\n\n- **You are the maker.** Every corridor uses the live Base oracle with zero\n  spread when a buyer signals an intent, including Alipay/CNY and UPI/INR.\n- **Read `binding`.** `estimate().binding` is `intent-signal`. An estimate\n  remains approximate; each signal binds the then-current rate.\n- **ETA is historical.** `estimate().eta` is just `{ seconds, label }`, backed\n  by the same rolling 30-day, intent-attributed pair sampler as `fillStats()`,\n  measured from deposit creation to the first fulfilled fill through the pair.\n  The raw snapshot is cached for 15 minutes per client and each ETA is still\n  resolved from its exact normalized `platform:currency` key. Multi-currency\n  deposits also produce sorted keys such as `revolut:EUR+GBP+USD`, measured to\n  the first fill in any offered currency. Use\n  `{ includeEta: false }` when rate and receive amount should render first.\n- **Availability thresholds belong to the consumer.** `fillStats()` returns raw\n  evidence. A recommended gate is `fills >= 10 && medianFillSeconds <= 48h`.\n  Fail open to the full `capabilities()` catalog when stats are unavailable or\n  the gate would empty the offered catalog.\n- **Everything is resumable.** An order is reconstructed from the chain by\n  `depositId` alone. Close the tab, switch devices, crash the process - then\n  call `order(depositId)`.\n- **Unwind is one verb.** Buyer never paid? Their intent expires; `withdraw()`\n  prunes it and returns your USDC. You never choose between cancel and recover.\n\nDeep dive: [docs/lifecycle-and-recovery.md](docs/lifecycle-and-recovery.md).\n\n## Earn the integration share\n\nUse the same six-character referral code shown in your Peer mobile or web app.\nNo API key, registration transaction, or separate receiving address is needed:\nthe referral code already belongs to your Peer Privy wallet.\n\n```ts\nconst cash = createCashClient({\n  environment: 'production',\n  referralCode: 'ABC123',\n});\n```\n\nThe SDK normalizes the value and stamps `peer-ref-ABC123` into ERC-8021\nattribution on the deposit transaction. When that liquidity is filled, Curator\npays the code owner 50 bps, capped by the configured Peer service fee. This is\nthe deposit-level integration path: it replaces the maker L1/L2 referral split\nfor that deposit instead of enrolling the cashing-out user as your referee.\n\nThe mapping is permanent. If you later customize your displayed Peer referral\ncode, open deposits carrying the old code still pay the same wallet. Include at\nmost one `peer-ref-XXXXXX` marker; an unknown or conflicting marker receives no\nintegration share. The existing `referrer` option remains available for\nanalytics-only ERC-8021 codes such as `acme-app`.\n\n## For agents\n\n- `cashout`/`withdraw`/`topUp` have unsigned counterparts (`prepare`,\n  `prepareWithdraw`, `prepareTopUp`) - inspect readable `steps[]` and calldata\n  before signing, then submit the matching `txs[]` in order.\n- Mutating tool calls return unsigned transactions by default; signing stays\n  with the host that owns custody, policy, and user approval.\n- After a prepared restricted cash-out confirms, the host adapter must call\n  `finalizePreparedCashout(receipt)` and submit\n  `prepareAccessPolicy(depositId, paymentMethod)` for every value in\n  `accessPolicyPaymentMethods`; these receipt/signing operations are\n  `CashClient` methods, not built-in tool calls.\n- Every error carries `code`, `retryable`, and a `remediation` sentence.\n- Every order carries `nextActions: ('wait' | 'withdraw')[]` - no heuristics.\n- Every wire type has a zod schema + JSON codec - state crosses process\n  boundaries losslessly.\n- Everything arrives decoded: platform ids and currency codes instead of\n  bytes32 hashes, plain-number rates instead of 1e18 bigints.\n- Fills are receipts: the locked rate and fiat owed at signal, then the\n  verified fiat paid, currency, platform payment id, released USDC, and\n  fill latency once the proof lands.\n- `@zkp2p/cash/tools` exports a JSON-schema tool manifest of the verbs.\n\nStart at [AGENTS.md](AGENTS.md), or load the\n[`peer-cash-integration` skill](skills/peer-cash-integration/SKILL.md).\n\n## React\n\n```ts\nimport { useEstimate, useCashout, useOrder, useOrders } from '@zkp2p/cash/react';\n```\n\nReact is an optional peer dependency - the root entry never imports it.\n\n## Environments\n\n`production` | `preproduction` | `staging` selects contracts, curator, and\nindexer. Preproduction defaults to `https://api-preprod.zkp2p.xyz`; staging\ndefaults to `https://api-staging.zkp2p.xyz`. Indexer, curator, and Relay\noptions remain overridable via `createCashClient` options. Base USDC on Base\nis the default source and the only destination asset for cashout orders.\n\n## Examples\n\nRunnable first-party examples in [`examples/`](examples):\n\n- [`node-cashout.ts`](examples/node-cashout.ts) - server-side cash-out with a private-key signer, plus order tracking.\n- [`upi-staging-cashout.ts`](examples/upi-staging-cashout.ts) - UPI/INR cash-out to any valid UPI ID on staging or preproduction.\n- [`agent-tool-use.ts`](examples/agent-tool-use.ts) - wiring the verbs into an agent tool-use loop with host-side signing.\n- [`carpe-diem-provider-cashout`](examples/carpe-diem-provider-cashout) - cash out confirmed Carpe Diem provider DIEM revenue through the connected Base wallet.\n- [`mpp-merchant-cashout`](examples/mpp-merchant-cashout) - turn confirmed MPP merchant revenue into an unsigned Peer Cash plan while the merchant keeps custody and signing.\n- [`onchain-demo`](examples/onchain-demo) - the Peer Cash Demo: the express sell flow as one page that bundles the SDK and is stored on Base as contract bytecode, served by an immutable ERC-5219 wrapper,\n  [live on Base](https://basescan.org/address/0x6d6c7af86bfc6f49f32761e1718cf982224cf343).\n\n## Trust model, honestly\n\nThe published package depends on `@zkp2p/sdk` for protocol internals; that\ndependency currently ships from private source. Onchain custody is enforced by\nthe protocol: only the contract holds funds, and only the maker can withdraw\nan unmatched deposit.\n\n## Contributing\n\n[CLAUDE.md](https://github.com/zkp2p/peer-cash/blob/main/CLAUDE.md) is the\ncontributor guide: ground rules, repo layout, the `bun run ci` gate, and the\nrelease/publish process. `AGENTS.md` is the shipped manual for agents using\nthe package, not the contributor entry point.\n\n## License\n\nMIT\n","readmeFilename":"README.md"}