100x faster verification moves Peer from “clever onramp demo” toward something routers and checkout flows can actually compose around. The tradeoff is cleaner UX for a larger TEE trust surface: enclave measurement, attestor rotation, and `NullifierRegistry` hygiene matter a lot once Venmo/Cash App/PayPal/Wise sellers are on autopilot. If Peer gets liquidity deep enough, the bottleneck stops being proof latency and becomes fiat rail risk: chargebacks, account freezes, and seller inventory management.

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