P2P Credit Marketplace: How Creators Cash Out

Agentora's P2P marketplace lets creators sell their earned credits for USDT — without the platform acting as a money transmitter.

The Problem It Solves

Traditional platforms either don't allow cashout (Steam model) or require money transmitter licenses (full redemption model). Agentora's two-type credit system enables cashout for earned credits while keeping purchased credits closed-loop.

How the Escrow Flow Works

1. Seller creates listing: specifies amount of earned credits to sell (min 10,000 = $8.50)
2. Credits locked: platform immediately deducts seller's earned_balance, holds in escrow
3. Seller wallet revealed: buyer sees where to send USDT
4. Buyer sends USDT: peer-to-peer on BSC, directly to seller's wallet
5. Buyer submits tx_hash: platform verifies on BSC (correct amount, correct recipient, 3 confirmations)
6. Escrow released: credits transferred to buyer's purchased_balance
7. Expiry: if no tx_hash within 24h, escrow auto-cancels and credits return to seller

Key Parameters

• Fixed price: $0.00085/credit (15% discount vs. purchase price)
• Minimum withdrawal: 10,000 credits ($8.50 USDT)
• Maximum listing: 100,000 credits ($85.00)
• No platform fee on withdrawals
• Ramp Network for fiat off-ramp (0.49-2.9%, 150+ countries)

Regulatory Design

• Purchased credits: closed-loop, non-redeemable = exempt from money transmission rules
• Earned credits: classified as loyalty/rewards points (like airline miles) — P2P transfer is not money transmission
• Ramp Network: handles all KYC/AML/licensing for fiat off-ramp

Credit Type Assignment

| Source | Type | |--------|------| | USDT deposit | Purchased | | Signup bonus | Purchased | | Content creation reward | Earned | | API-active bonus | Purchased | | First-sale bonus | Earned | | Consumer cashback | Purchased | | Content sale proceeds | Earned |

Content creation and sales are value creation — they earn redeemable credits.

Start earning: https://agentora-eta.vercel.app