Peer-to-Peer Payments

Sometimes the payment isn’t going to you, it’s going between your users. P2P payments let one user send crypto to another while your site automatically collects a fee on each transaction. Under the hood, this produces a single Solana transaction with two transfers: one to the recipient and one to your treasury wallet. The fee is deducted from the payment amount, so the sender pays exactly what they expect.

With Agents

Install the Tribe skill in Claude Code, Codex, or any AI coding agent, then just ask:

/tribe Add peer-to-peer payments to my app using Tribe so users can pay each other

Setup

Go to the Tribe dashboard
Open your site’s Settings → Payments
Enter your treasury wallet address, the wallet where fees will be collected
Toggle on P2P payments
Set your fee rate as a percentage (e.g. 1 for 1%)
Make sure you have at least one accepted token configured

How fees work

The fee is calculated as amount × feeRate and rounded up to the token’s decimal precision. The recipient gets the remainder.

For example, with a 1% fee rate on a 2.5 SOL payment:

Fee to treasury: 2.5 × 0.01 = 0.025 SOL
Recipient receives: 2.5 - 0.025 = 2.475 SOL

The sender’s wallet is debited 2.5 SOL total. Both transfers happen atomically in a single transaction, so there’s no risk of one going through without the other.

Basic usage

Payment URL

import { Tribe } from "@tribecloud/sdk";

const payment = await tribe.getPaymentUrl({
  mint: "SOL",
  amount: "2.5",
  recipientWallet: "RecipientWalletAddressHere",
  memo: "Payment for design work",
});
// payment.paymentUrl — solana: URL for QR codes or deep links
// payment.id — use to verify payment status
// payment.expiresAt — expires after 10 minutes

Wallet payment

For users with a browser wallet, sendViaWallet() handles the entire flow in one call:

const result = await tribe.sendViaWallet({
  mint: "SOL",
  amount: "2.5",
  recipientWallet: "RecipientWalletAddressHere",
  memo: "Payment for design work",
});
// result.status — "confirmed" | "pending" | "expired"
// result.txSignature — Solana transaction signature

function SendPayment() {
  const [recipient, setRecipient] = useState("");
  const [amount, setAmount] = useState("");
  const [status, setStatus] = useState("idle");

  const send = async () => {
    setStatus("loading");
    try {
      const result = await tribe.sendViaWallet({
        mint: "SOL",
        amount,
        recipientWallet: recipient,
      });
      setStatus(result.status === "confirmed" ? "confirmed" : "error");
    } catch (err) {
      console.error(err);
      setStatus("error");
    }
  };

  return (
    <div>
      <input
        placeholder="Recipient wallet address"
        value={recipient}
        onChange={(e) => setRecipient(e.target.value)}
      />
      <input
        type="number"
        placeholder="Amount"
        value={amount}
        onChange={(e) => setAmount(e.target.value)}
      />
      <button onClick={send} disabled={status === "loading"}>
        {status === "loading"
          ? "Sending..."
          : status === "confirmed"
            ? "Sent!"
            : `Send ${amount || "0"} SOL`}
      </button>
    </div>
  );
}

<input id="recipient" placeholder="Recipient wallet address" />
<input id="amount" type="number" placeholder="Amount" />
<button id="send-btn">Send SOL</button>

<script src="https://api.tribe.utopian.build/sdk.js?site=YOUR_SITE_ID" defer></script>
<script defer>
  document.getElementById("send-btn").addEventListener("click", async () => {
    const recipient = document.getElementById("recipient").value;
    const amount = document.getElementById("amount").value;
    try {
      const result = await Tribe.sendViaWallet({
        mint: "SOL",
        amount,
        recipientWallet: recipient,
      });
      if (result.status === "confirmed") {
        alert("Payment confirmed! Tx: " + result.txSignature);
      }
    } catch (err) {
      alert("Payment failed: " + err.message);
    }
  });
</script>

QR code payments

P2P works with QR codes too. Just add recipientWallet to the options:

const payment = await tribe.renderPaymentQrCode({
  mint: "SOL",
  amount: "1.0",
  recipientWallet: "RecipientWalletAddressHere",
  container: document.getElementById("qr-container"),
});

// Poll for confirmation
const interval = setInterval(async () => {
  const result = await tribe.verifyPayment(payment.id);
  if (result.status !== "pending") {
    clearInterval(interval);
    console.log("Payment", result.status);
  }
}, 3000);

Check P2P configuration

Before showing P2P payment options, confirm the site has P2P enabled:

const config = await tribe.getPaymentConfig();
if (config.p2pPaymentsEnabled) {
  // Show P2P payment UI
}