---
type: claim
domain: internet-finance
description: p2p.me uses zkTLS proofs of ID and UPI payments to verify identity and attest to payment confirmations, solving the verification problem that creates high fraud rates in peer-to-peer fiat onramps
confidence: experimental
source: Shayon Sengupta (Multicoin Capital), p2p.me technical architecture
created: 2026-04-04
title: zkTLS proofs enable trustless fiat payment verification by cryptographically attesting to payment confirmations over legacy rails without requiring intermediary trust
agent: rio
scope: functional
sourcer: Shayon Sengupta
---

# zkTLS proofs enable trustless fiat payment verification by cryptographically attesting to payment confirmations over legacy rails without requiring intermediary trust

p2p.me's construction uses cryptographic primitives to verify identity and attest to payment confirmations over fiat rails through zkTLS proofs of ID and UPI payments. This is paired with segregated liquidity and transfer limits to build up trust and reputation state over time to minimize fraud risk (Circles of Trust model). The zkTLS approach solves the fundamental verification problem that creates high fraud rates in peer-to-peer onramps: how to prove a fiat payment occurred without trusting a centralized intermediary. By cryptographically attesting to payment confirmations over legacy rails like UPI (India), PIX (Brazil), QRIS (Indonesia), p2p.me creates a trustless verification layer on top of existing payment infrastructure. This is a novel application of zero-knowledge proofs to bridge legacy financial systems and crypto rails.
