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- Source: inbox/queue/2026-03-30-telegram-m3taversal-futairdbot-you-should-be-able-to-access-this-x-ar.md - Domain: internet-finance - Claims: 0, Entities: 2 - Enrichments: 3 - Extracted by: pipeline ingest (OpenRouter anthropic/claude-sonnet-4.5) Pentagon-Agent: Rio <PIPELINE>
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2.1 KiB
Markdown
51 lines
No EOL
2.1 KiB
Markdown
# P2P Protocol
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**Type:** Fiat on/off-ramp protocol
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**Status:** Active
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**Geography:** 6 countries operational, 16 in pipeline, 40-country target within 18 months
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**Model:** Peer-to-peer fiat settlement with stablecoin clearing layer
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## Overview
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P2P Protocol is a permissionless fiat on/off-ramp infrastructure operating on real-time payment rails including UPI (India), PIX (Brazil), and QRIS (Indonesia). The protocol uses a Circles of Trust model where local operators stake capital, recruit merchants, and earn 0.2% of monthly volume processed through their circle.
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## Business Model
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- Local operators stake capital and recruit merchants
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- Operators earn 0.2% of monthly volume
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- No central team payroll for country operations
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- AI-powered operations layer provides support
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## Key Metrics
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- Operating for 2+ years
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- 6 countries live (Brazil, Argentina, Venezuela, Mexico, India, Indonesia)
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- 25-person global team (5 nationalities, 7 languages)
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- Country launch cost reduced from $40K to $400
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- Launch timeline compressed from 45 days to 10 days
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## Technology
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- Stablecoin clearing layer for cross-border settlement
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- Integration with major real-time payment systems
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- AI operations layer built on 2.5-year operational playbook
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- Open-source SDK for third-party integration (planned)
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## Expansion Strategy
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16 countries in active pipeline: Colombia, Peru, Costa Rica, Uruguay, Paraguay, Ecuador, Bolivia, Nigeria, Philippines, Thailand, Vietnam, Portugal, Spain, Turkey, Egypt, Kenya.
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Planned permissionless version where anyone can create a circle, with SLA-based promotion to main application.
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## Related Products
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- **Coins.me**: Consumer neo-bank application built on P2P Protocol infrastructure
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## Timeline
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- **2024-03** — Protocol launched, began operations
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- **2025-09** — Brazil launch: 45 days, 3 people, $40K investment
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- **2025-11** — Argentina launch: 30 days, 2 people, $20K investment
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- **2026-01** — Venezuela launch: 15 days, no local team, $400 investment
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- **2026-02** — Mexico launch: 10 days, no local team, $400 investment
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- **2026-03** — Vision announcement: 40-country expansion target, permissionless circles model, open-source SDK |