@zkp2p/cash 0.5.3 → 0.5.4-rc.1

package/AGENTS.md

@@ -334,3 +334,12 @@ wallet. Never wait on a buyer - buyer-side is out of your scope:
 
 If step 4 ever fails with funds stuck, stop and escalate - do not retry
 blindly.
+
+UPI/INR reads the live Chainlink Polygon mainnet proxy
+`0xDA0F8Df6F5dB15b346f4B8D1156722027E194E60` (chain 137), inverts
+USD per INR, and rounds the creation-time maker floor up. Configure its
+read-only RPC with `upiCreationRateRpcUrl` or `upiCreationRateTransport`.
+Alipay/CNY retains the Ethereum registry and `creationRateRpcUrl` /
+`creationRateTransport`. UPI rejects the wrong chain, invalid rounds, and
+observations older than 24 hours; market closures do not bypass freshness.
+This does not change the staging-only UPI opt-in gate.

package/README.md

@@ -498,3 +498,12 @@ the package, not the contributor entry point.
 ## License
 
 MIT
+
+UPI/INR reads the live Chainlink Polygon mainnet proxy
+`0xDA0F8Df6F5dB15b346f4B8D1156722027E194E60` (chain 137), inverts
+USD per INR, and rounds the creation-time maker floor up. Configure its
+read-only RPC with `upiCreationRateRpcUrl` or `upiCreationRateTransport`.
+Alipay/CNY retains the Ethereum registry and `creationRateRpcUrl` /
+`creationRateTransport`. UPI rejects the wrong chain, invalid rounds, and
+observations older than 24 hours; market closures do not bypass freshness.
+This does not change the staging-only UPI opt-in gate.

package/dist/{createCashClient-DimDWJU4.d.cts → createCashClient-ECL3HN5H.d.cts}

@@ -585,8 +585,8 @@ interface CashFillEta {
  * idempotent, cacheable.
  *
  * Existing corridors read the same Chainlink feed the protocol uses when an
- * intent is signaled. Creation-rate corridors read Chainlink's Ethereum feed
- * and fix that fresh snapshot as the maker floor when preparing the deposit.
+ * intent is signaled. Creation-rate corridors read Chainlink on Ethereum (CNY)
+ * or Polygon (INR), fixing the fresh snapshot when preparing the deposit.
  */
 
 interface EstimateInput {
@@ -692,6 +692,10 @@ interface CashClientOptions {
     creationRateTransport?: Transport;
     /** Convenience alternative to `creationRateTransport`. */
     creationRateRpcUrl?: string;
+    /** Polygon transport used only to snapshot UPI/INR's creation-time rate. */
+    upiCreationRateTransport?: Transport;
+    /** Convenience alternative to `upiCreationRateTransport`; requires Polygon mainnet. */
+    upiCreationRateRpcUrl?: string;
     /** Relay API configuration for source assets outside Base USDC. */
     relay?: RelayOptions;
     /** NEAR Intents 1Click configuration for externally funded source routes. */

package/dist/{createCashClient-DimDWJU4.d.ts → createCashClient-ECL3HN5H.d.ts}

@@ -585,8 +585,8 @@ interface CashFillEta {
  * idempotent, cacheable.
  *
  * Existing corridors read the same Chainlink feed the protocol uses when an
- * intent is signaled. Creation-rate corridors read Chainlink's Ethereum feed
- * and fix that fresh snapshot as the maker floor when preparing the deposit.
+ * intent is signaled. Creation-rate corridors read Chainlink on Ethereum (CNY)
+ * or Polygon (INR), fixing the fresh snapshot when preparing the deposit.
  */
 
 interface EstimateInput {
@@ -692,6 +692,10 @@ interface CashClientOptions {
     creationRateTransport?: Transport;
     /** Convenience alternative to `creationRateTransport`. */
     creationRateRpcUrl?: string;
+    /** Polygon transport used only to snapshot UPI/INR's creation-time rate. */
+    upiCreationRateTransport?: Transport;
+    /** Convenience alternative to `upiCreationRateTransport`; requires Polygon mainnet. */
+    upiCreationRateRpcUrl?: string;
     /** Relay API configuration for source assets outside Base USDC. */
     relay?: RelayOptions;
     /** NEAR Intents 1Click configuration for externally funded source routes. */

package/dist/index.cjs

@@ -29,12 +29,14 @@ var CASH_ORDER_STATUSES = [
 ];
 var CASH_ORDER_POLL_INTERVAL_MS = 5e3;
 var CASH_RETAIN_ON_EMPTY = false;
-
-// src/client/creationRate.ts
 var CHAINLINK_FEED_REGISTRY = "0x47Fb2585D2C56Fe188D0E6ec628a38b74fCeeeDf";
 var CNY_DENOMINATION = "0x000000000000000000000000000000000000009c";
-var INR_DENOMINATION = "0x0000000000000000000000000000000000000164";
 var USD_DENOMINATION = "0x0000000000000000000000000000000000000348";
+var POLYGON_INR_USD_FEED = "0xDA0F8Df6F5dB15b346f4B8D1156722027E194E60";
+var DIRECT_FEED_ABI = viem.parseAbi([
+  "function decimals() view returns (uint8)",
+  "function latestRoundData() view returns (uint80 roundId, int256 answer, uint256 startedAt, uint256 updatedAt, uint80 answeredInRound)"
+]);
 var FEED_REGISTRY_ABI = [
   {
     name: "decimals",
@@ -73,48 +75,67 @@ function getCreationRateDenomination(platform, currency) {
   if (platform.toLowerCase() === "alipay" && currency.toUpperCase() === "CNY") {
     return CNY_DENOMINATION;
   }
-  if (platform.toLowerCase() === "upi" && currency.toUpperCase() === "INR") {
-    return INR_DENOMINATION;
-  }
   throw new Error(`No creation-time rate source for ${platform}/${currency}`);
 }
 function divideRoundUp(numerator, denominator) {
   return (numerator + denominator - 1n) / denominator;
 }
 async function readCashCreationRate(publicClient, platform, currency, nowSeconds = Math.floor(Date.now() / 1e3)) {
-  const args = [
-    getCreationRateDenomination(platform, currency),
-    USD_DENOMINATION
-  ];
-  const [decimals, round] = await Promise.all([
-    publicClient.readContract({
-      address: CHAINLINK_FEED_REGISTRY,
-      abi: FEED_REGISTRY_ABI,
-      functionName: "decimals",
-      args
-    }),
-    publicClient.readContract({
-      address: CHAINLINK_FEED_REGISTRY,
-      abi: FEED_REGISTRY_ABI,
-      functionName: "latestRoundData",
-      args
-    })
-  ]);
+  const isUpi = platform.toLowerCase() === "upi" && currency.toUpperCase() === "INR";
+  const pair = `${currency.toUpperCase()}/USD`;
+  let decimals;
+  let round;
+  if (isUpi) {
+    if (await publicClient.getChainId() !== 137) {
+      throw new Error("Chainlink INR/USD requires Polygon mainnet (137)");
+    }
+    [decimals, round] = await Promise.all([
+      publicClient.readContract({
+        address: POLYGON_INR_USD_FEED,
+        abi: DIRECT_FEED_ABI,
+        functionName: "decimals"
+      }),
+      publicClient.readContract({
+        address: POLYGON_INR_USD_FEED,
+        abi: DIRECT_FEED_ABI,
+        functionName: "latestRoundData"
+      })
+    ]);
+  } else {
+    const args = [
+      getCreationRateDenomination(platform, currency),
+      USD_DENOMINATION
+    ];
+    [decimals, round] = await Promise.all([
+      publicClient.readContract({
+        address: CHAINLINK_FEED_REGISTRY,
+        abi: FEED_REGISTRY_ABI,
+        functionName: "decimals",
+        args
+      }),
+      publicClient.readContract({
+        address: CHAINLINK_FEED_REGISTRY,
+        abi: FEED_REGISTRY_ABI,
+        functionName: "latestRoundData",
+        args
+      })
+    ]);
+  }
   const [roundId, answer, , updatedAtRaw, answeredInRound] = round;
   if (answer <= 0n || updatedAtRaw <= 0n || answeredInRound < roundId) {
-    throw new Error("Chainlink CNY/USD returned an invalid round");
+    throw new Error(`Chainlink ${pair} returned an invalid round`);
   }
   const updatedAt = Number(updatedAtRaw);
   if (!Number.isSafeInteger(updatedAt) || updatedAt > nowSeconds) {
-    throw new Error("Chainlink CNY/USD returned an invalid timestamp");
+    throw new Error(`Chainlink ${pair} returned an invalid timestamp`);
   }
   if (nowSeconds - updatedAt > CREATION_RATE_MAX_STALENESS_SECONDS) {
-    throw new Error("Chainlink CNY/USD rate is stale");
+    throw new Error(`Chainlink ${pair} rate is stale`);
   }
   const rate1e18 = divideRoundUp(10n ** (BigInt(decimals) + 18n), answer);
   const rate = Number(rate1e18) / 1e18;
   if (!Number.isFinite(rate) || rate <= 0) {
-    throw new Error("Chainlink CNY/USD produced an invalid creation rate");
+    throw new Error(`Chainlink ${pair} produced an invalid creation rate`);
   }
   return { rate1e18, rate, updatedAt };
 }
@@ -1799,10 +1820,11 @@ async function readEstimate(publicClient, input, context = {}) {
   let rate;
   let oracleUpdatedAt;
   if (usesCreationRate) {
-    if (!context.creationRateClient) throw errors.oracleUnsupportedCurrency(currency);
+    const rateClient = creationRatePlatform.toLowerCase() === "upi" ? context.upiCreationRateClient : context.creationRateClient;
+    if (!rateClient) throw errors.oracleUnsupportedCurrency(currency);
     try {
       const snapshot = await readCashCreationRate(
-        context.creationRateClient,
+        rateClient,
         creationRatePlatform,
         currency,
         asOf
@@ -2830,7 +2852,7 @@ function createCashAttributionReader(options) {
 // src/client/classify.ts
 function isCashPayoutSet(payouts, attributedToCash = false) {
   return payouts.length > 0 && payouts.every(
-    (payout) => payout.pricing.marketRate && payout.pricing.spreadBps === 0 || attributedToCash && payout.platform === "alipay" && payout.currency === "CNY" && payout.pricing.fixedAtCreation === true && (payout.pricing.fixedRate ?? 0) > 0
+    (payout) => payout.pricing.marketRate && payout.pricing.spreadBps === 0 || attributedToCash && isCreationRateCorridor(payout.platform, payout.currency ?? "") && payout.pricing.fixedAtCreation === true && (payout.pricing.fixedRate ?? 0) > 0
   );
 }
 
@@ -2934,6 +2956,10 @@ function createCashClient(options) {
     chain: chains.mainnet,
     transport: creationRateTransport
   });
+  const upiCreationRateClient = viem.createPublicClient({
+    chain: chains.polygon,
+    transport: options.upiCreationRateTransport ?? viem.http(options.upiCreationRateRpcUrl)
+  });
   const readCashAttribution = createCashAttributionReader({
     environment,
     ...options.indexerUrl ? { indexerUrl: options.indexerUrl } : {},
@@ -3068,7 +3094,11 @@ function createCashClient(options) {
             throw new Error(`No creation-time rate reader for ${platform}/${currency}`);
           }
           try {
-            return await readCashCreationRate(creationRateClient, platform, currency);
+            return await readCashCreationRate(
+              platform.toLowerCase() === "upi" ? upiCreationRateClient : creationRateClient,
+              platform,
+              currency
+            );
           } catch (err) {
             throw errors.oracleReadFailed(currency, err);
           }
@@ -3446,6 +3476,7 @@ function createCashClient(options) {
         ...estimateOptions?.includeEta !== void 0 ? { includeEta: estimateOptions.includeEta } : {},
         etaReader: async (etaInput) => fillEtaFromSample(await getFillStatsSample(), etaInput),
         creationRateClient,
+        upiCreationRateClient,
         ...options.relay ? { relay: options.relay } : {}
       });
     },

package/dist/index.d.cts

@@ -1,5 +1,5 @@
-import { C as CashPayoutInfo, I as IntentEntity, a as CashBuyerProfile, b as CashDepositInput, c as CashCatalogFeatures, d as CreateDepositParamsArg, e as CashOrder, f as CashFill, g as CashCapabilities, h as CashoutResult, i as CashEstimate, j as CashFillStats, N as NearIntentsSourceCapabilities, k as NearIntentsDepositInput, l as NearIntentsQuote, m as NearIntentsQuoteInput, n as NearIntentsStatus, o as NearIntentsStatusInput, P as PrepareResult, p as CashPreparedStep, R as RelayExecutionResult, q as RelayQuote, r as RelayStatus, s as CashSourceCapabilities, T as TopUpResult, W as WithdrawResult } from './createCashClient-DimDWJU4.cjs';
-export { B as BASE_CHAIN_ID, t as BASE_USDC_ADDRESS, u as CASH_ATTRIBUTION_CODE, v as CASH_ORDER_POLL_INTERVAL_MS, w as CASH_ORDER_STATUSES, x as CASH_REFERRAL_ATTRIBUTION_PREFIX, y as CASH_RETAIN_ON_EMPTY, z as CashAsset, A as CashChain, D as CashClient, E as CashClientOptions, F as CashCorridorPricing, G as CashFeatureFlags, H as CashFillEta, J as CashLeg, K as CashMultiCurrencyLeg, L as CashNextAction, M as CashOrderState, O as CashPairFillStats, Q as CashPayeeInput, S as CashPayout, U as CashPayoutPricing, V as CashPlatformCapability, X as CashPreparedStepKind, Y as CashReceiveLeg, Z as CashoutInput, _ as CashoutOptions, $ as CuratorPayeeDataInput, a0 as EstimateInput, a1 as EstimateOptions, a2 as MARKET_SPREAD_BPS, a3 as MIN_CASHOUT_AMOUNT, a4 as NEAR_INTENTS_API_URL, a5 as NEAR_INTENTS_BASE_USDC_ASSET_ID, a6 as NEAR_INTENTS_DEFAULT_SLIPPAGE_BPS, a7 as NEAR_INTENTS_STATUSES, a8 as NearIntentsClient, a9 as NearIntentsOptions, aa as NearIntentsQuoteRequest, ab as NearIntentsStatusCode, ac as NearIntentsToken, ad as NearIntentsTradeType, ae as NearIntentsTransaction, af as ORACLE_MIN_CONVERSION_RATE_SENTINEL, ag as OrdersOptions, ah as PreparedCashoutReceipt, ai as RECOMMENDED_MIN_CASHOUT_AMOUNT, aj as RelayOptions, ak as RelayQuoteInput, al as RelaySourceInput, am as RelayTransaction, an as SignerOptions, ao as USDC_DECIMALS, ap as WatchOptions, aq as WithdrawOptions, ar as buildCapabilities, as as createCashClient, at as createNearIntentsClient, au as normalizeCashPayee, av as quoteNearIntentsToBaseUsdc, aw as readNearIntentsSourceCapabilities, ax as readNearIntentsStatus, ay as submitNearIntentsDeposit, az as toCashReferralAttributionCode } from './createCashClient-DimDWJU4.cjs';
+import { C as CashPayoutInfo, I as IntentEntity, a as CashBuyerProfile, b as CashDepositInput, c as CashCatalogFeatures, d as CreateDepositParamsArg, e as CashOrder, f as CashFill, g as CashCapabilities, h as CashoutResult, i as CashEstimate, j as CashFillStats, N as NearIntentsSourceCapabilities, k as NearIntentsDepositInput, l as NearIntentsQuote, m as NearIntentsQuoteInput, n as NearIntentsStatus, o as NearIntentsStatusInput, P as PrepareResult, p as CashPreparedStep, R as RelayExecutionResult, q as RelayQuote, r as RelayStatus, s as CashSourceCapabilities, T as TopUpResult, W as WithdrawResult } from './createCashClient-ECL3HN5H.cjs';
+export { B as BASE_CHAIN_ID, t as BASE_USDC_ADDRESS, u as CASH_ATTRIBUTION_CODE, v as CASH_ORDER_POLL_INTERVAL_MS, w as CASH_ORDER_STATUSES, x as CASH_REFERRAL_ATTRIBUTION_PREFIX, y as CASH_RETAIN_ON_EMPTY, z as CashAsset, A as CashChain, D as CashClient, E as CashClientOptions, F as CashCorridorPricing, G as CashFeatureFlags, H as CashFillEta, J as CashLeg, K as CashMultiCurrencyLeg, L as CashNextAction, M as CashOrderState, O as CashPairFillStats, Q as CashPayeeInput, S as CashPayout, U as CashPayoutPricing, V as CashPlatformCapability, X as CashPreparedStepKind, Y as CashReceiveLeg, Z as CashoutInput, _ as CashoutOptions, $ as CuratorPayeeDataInput, a0 as EstimateInput, a1 as EstimateOptions, a2 as MARKET_SPREAD_BPS, a3 as MIN_CASHOUT_AMOUNT, a4 as NEAR_INTENTS_API_URL, a5 as NEAR_INTENTS_BASE_USDC_ASSET_ID, a6 as NEAR_INTENTS_DEFAULT_SLIPPAGE_BPS, a7 as NEAR_INTENTS_STATUSES, a8 as NearIntentsClient, a9 as NearIntentsOptions, aa as NearIntentsQuoteRequest, ab as NearIntentsStatusCode, ac as NearIntentsToken, ad as NearIntentsTradeType, ae as NearIntentsTransaction, af as ORACLE_MIN_CONVERSION_RATE_SENTINEL, ag as OrdersOptions, ah as PreparedCashoutReceipt, ai as RECOMMENDED_MIN_CASHOUT_AMOUNT, aj as RelayOptions, ak as RelayQuoteInput, al as RelaySourceInput, am as RelayTransaction, an as SignerOptions, ao as USDC_DECIMALS, ap as WatchOptions, aq as WithdrawOptions, ar as buildCapabilities, as as createCashClient, at as createNearIntentsClient, au as normalizeCashPayee, av as quoteNearIntentsToBaseUsdc, aw as readNearIntentsSourceCapabilities, ax as readNearIntentsStatus, ay as submitNearIntentsDeposit, az as toCashReferralAttributionCode } from './createCashClient-ECL3HN5H.cjs';
 import { PublicClient, Log, Abi } from 'viem';
 import { PaymentMethodCatalog, CurrencyType, OracleAdapterOverrides, OnchainCurrency, Zkp2pClient, PreparedTransaction } from '@zkp2p/sdk';
 export { CurrencyType, PreparedTransaction, RuntimeEnv } from '@zkp2p/sdk';

package/dist/index.d.ts

@@ -1,5 +1,5 @@
-import { C as CashPayoutInfo, I as IntentEntity, a as CashBuyerProfile, b as CashDepositInput, c as CashCatalogFeatures, d as CreateDepositParamsArg, e as CashOrder, f as CashFill, g as CashCapabilities, h as CashoutResult, i as CashEstimate, j as CashFillStats, N as NearIntentsSourceCapabilities, k as NearIntentsDepositInput, l as NearIntentsQuote, m as NearIntentsQuoteInput, n as NearIntentsStatus, o as NearIntentsStatusInput, P as PrepareResult, p as CashPreparedStep, R as RelayExecutionResult, q as RelayQuote, r as RelayStatus, s as CashSourceCapabilities, T as TopUpResult, W as WithdrawResult } from './createCashClient-DimDWJU4.js';
-export { B as BASE_CHAIN_ID, t as BASE_USDC_ADDRESS, u as CASH_ATTRIBUTION_CODE, v as CASH_ORDER_POLL_INTERVAL_MS, w as CASH_ORDER_STATUSES, x as CASH_REFERRAL_ATTRIBUTION_PREFIX, y as CASH_RETAIN_ON_EMPTY, z as CashAsset, A as CashChain, D as CashClient, E as CashClientOptions, F as CashCorridorPricing, G as CashFeatureFlags, H as CashFillEta, J as CashLeg, K as CashMultiCurrencyLeg, L as CashNextAction, M as CashOrderState, O as CashPairFillStats, Q as CashPayeeInput, S as CashPayout, U as CashPayoutPricing, V as CashPlatformCapability, X as CashPreparedStepKind, Y as CashReceiveLeg, Z as CashoutInput, _ as CashoutOptions, $ as CuratorPayeeDataInput, a0 as EstimateInput, a1 as EstimateOptions, a2 as MARKET_SPREAD_BPS, a3 as MIN_CASHOUT_AMOUNT, a4 as NEAR_INTENTS_API_URL, a5 as NEAR_INTENTS_BASE_USDC_ASSET_ID, a6 as NEAR_INTENTS_DEFAULT_SLIPPAGE_BPS, a7 as NEAR_INTENTS_STATUSES, a8 as NearIntentsClient, a9 as NearIntentsOptions, aa as NearIntentsQuoteRequest, ab as NearIntentsStatusCode, ac as NearIntentsToken, ad as NearIntentsTradeType, ae as NearIntentsTransaction, af as ORACLE_MIN_CONVERSION_RATE_SENTINEL, ag as OrdersOptions, ah as PreparedCashoutReceipt, ai as RECOMMENDED_MIN_CASHOUT_AMOUNT, aj as RelayOptions, ak as RelayQuoteInput, al as RelaySourceInput, am as RelayTransaction, an as SignerOptions, ao as USDC_DECIMALS, ap as WatchOptions, aq as WithdrawOptions, ar as buildCapabilities, as as createCashClient, at as createNearIntentsClient, au as normalizeCashPayee, av as quoteNearIntentsToBaseUsdc, aw as readNearIntentsSourceCapabilities, ax as readNearIntentsStatus, ay as submitNearIntentsDeposit, az as toCashReferralAttributionCode } from './createCashClient-DimDWJU4.js';
+import { C as CashPayoutInfo, I as IntentEntity, a as CashBuyerProfile, b as CashDepositInput, c as CashCatalogFeatures, d as CreateDepositParamsArg, e as CashOrder, f as CashFill, g as CashCapabilities, h as CashoutResult, i as CashEstimate, j as CashFillStats, N as NearIntentsSourceCapabilities, k as NearIntentsDepositInput, l as NearIntentsQuote, m as NearIntentsQuoteInput, n as NearIntentsStatus, o as NearIntentsStatusInput, P as PrepareResult, p as CashPreparedStep, R as RelayExecutionResult, q as RelayQuote, r as RelayStatus, s as CashSourceCapabilities, T as TopUpResult, W as WithdrawResult } from './createCashClient-ECL3HN5H.js';
+export { B as BASE_CHAIN_ID, t as BASE_USDC_ADDRESS, u as CASH_ATTRIBUTION_CODE, v as CASH_ORDER_POLL_INTERVAL_MS, w as CASH_ORDER_STATUSES, x as CASH_REFERRAL_ATTRIBUTION_PREFIX, y as CASH_RETAIN_ON_EMPTY, z as CashAsset, A as CashChain, D as CashClient, E as CashClientOptions, F as CashCorridorPricing, G as CashFeatureFlags, H as CashFillEta, J as CashLeg, K as CashMultiCurrencyLeg, L as CashNextAction, M as CashOrderState, O as CashPairFillStats, Q as CashPayeeInput, S as CashPayout, U as CashPayoutPricing, V as CashPlatformCapability, X as CashPreparedStepKind, Y as CashReceiveLeg, Z as CashoutInput, _ as CashoutOptions, $ as CuratorPayeeDataInput, a0 as EstimateInput, a1 as EstimateOptions, a2 as MARKET_SPREAD_BPS, a3 as MIN_CASHOUT_AMOUNT, a4 as NEAR_INTENTS_API_URL, a5 as NEAR_INTENTS_BASE_USDC_ASSET_ID, a6 as NEAR_INTENTS_DEFAULT_SLIPPAGE_BPS, a7 as NEAR_INTENTS_STATUSES, a8 as NearIntentsClient, a9 as NearIntentsOptions, aa as NearIntentsQuoteRequest, ab as NearIntentsStatusCode, ac as NearIntentsToken, ad as NearIntentsTradeType, ae as NearIntentsTransaction, af as ORACLE_MIN_CONVERSION_RATE_SENTINEL, ag as OrdersOptions, ah as PreparedCashoutReceipt, ai as RECOMMENDED_MIN_CASHOUT_AMOUNT, aj as RelayOptions, ak as RelayQuoteInput, al as RelaySourceInput, am as RelayTransaction, an as SignerOptions, ao as USDC_DECIMALS, ap as WatchOptions, aq as WithdrawOptions, ar as buildCapabilities, as as createCashClient, at as createNearIntentsClient, au as normalizeCashPayee, av as quoteNearIntentsToBaseUsdc, aw as readNearIntentsSourceCapabilities, ax as readNearIntentsStatus, ay as submitNearIntentsDeposit, az as toCashReferralAttributionCode } from './createCashClient-ECL3HN5H.js';
 import { PublicClient, Log, Abi } from 'viem';
 import { PaymentMethodCatalog, CurrencyType, OracleAdapterOverrides, OnchainCurrency, Zkp2pClient, PreparedTransaction } from '@zkp2p/sdk';
 export { CurrencyType, PreparedTransaction, RuntimeEnv } from '@zkp2p/sdk';

package/dist/index.js

@@ -1,17 +1,20 @@
 import { MARKET_SPREAD_BPS, ORACLE_MIN_CONVERSION_RATE_SENTINEL, CASH_RETAIN_ON_EMPTY, BASE_USDC_ADDRESS, USDC_DECIMALS, BASE_CHAIN_ID, isCashError, errors, CASH_ORDER_STATUSES, mapChainError, CashError, CASH_ACCESS_GROUP_IDS, CASH_RESTRICTED_PLATFORMS } from './chunk-UIELF4TY.js';
 export { BASE_CHAIN_ID, BASE_USDC_ADDRESS, CASH_ORDER_POLL_INTERVAL_MS, CASH_ORDER_STATUSES, CASH_RETAIN_ON_EMPTY, CashError, MARKET_SPREAD_BPS, ORACLE_MIN_CONVERSION_RATE_SENTINEL, USDC_DECIMALS, errors, isCashError, isUserRejectedError } from './chunk-UIELF4TY.js';
 import { parseAbi, parseEventLogs, isAddress, http, createPublicClient, createWalletClient, encodeFunctionData } from 'viem';
-import { mainnet, base } from 'viem/chains';
+import { mainnet, polygon, base } from 'viem/chains';
 import { getSpreadOracleConfig, currencyInfo, getGatingServiceAddress, resolvePaymentMethodNameFromHash, getCurrencyCodeFromHash, createCompositeDepositId, appendAttributionToCalldata, Zkp2pClient, getPaymentMethodsCatalog, resolvePaymentMethodHashFromCatalog, defaultIndexerEndpoint, IndexerClient, CHAINLINK_ORACLE_FEEDS } from '@zkp2p/sdk';
 import { createClient, MAINNET_RELAY_API } from '@relayprotocol/relay-sdk';
 import { fetchChainConfigs, configureDynamicChains } from '@relayprotocol/relay-sdk/chain-utils';
 import { z } from 'zod';
 
-// src/client/creationRate.ts
 var CHAINLINK_FEED_REGISTRY = "0x47Fb2585D2C56Fe188D0E6ec628a38b74fCeeeDf";
 var CNY_DENOMINATION = "0x000000000000000000000000000000000000009c";
-var INR_DENOMINATION = "0x0000000000000000000000000000000000000164";
 var USD_DENOMINATION = "0x0000000000000000000000000000000000000348";
+var POLYGON_INR_USD_FEED = "0xDA0F8Df6F5dB15b346f4B8D1156722027E194E60";
+var DIRECT_FEED_ABI = parseAbi([
+  "function decimals() view returns (uint8)",
+  "function latestRoundData() view returns (uint80 roundId, int256 answer, uint256 startedAt, uint256 updatedAt, uint80 answeredInRound)"
+]);
 var FEED_REGISTRY_ABI = [
   {
     name: "decimals",
@@ -50,48 +53,67 @@ function getCreationRateDenomination(platform, currency) {
   if (platform.toLowerCase() === "alipay" && currency.toUpperCase() === "CNY") {
     return CNY_DENOMINATION;
   }
-  if (platform.toLowerCase() === "upi" && currency.toUpperCase() === "INR") {
-    return INR_DENOMINATION;
-  }
   throw new Error(`No creation-time rate source for ${platform}/${currency}`);
 }
 function divideRoundUp(numerator, denominator) {
   return (numerator + denominator - 1n) / denominator;
 }
 async function readCashCreationRate(publicClient, platform, currency, nowSeconds = Math.floor(Date.now() / 1e3)) {
-  const args = [
-    getCreationRateDenomination(platform, currency),
-    USD_DENOMINATION
-  ];
-  const [decimals, round] = await Promise.all([
-    publicClient.readContract({
-      address: CHAINLINK_FEED_REGISTRY,
-      abi: FEED_REGISTRY_ABI,
-      functionName: "decimals",
-      args
-    }),
-    publicClient.readContract({
-      address: CHAINLINK_FEED_REGISTRY,
-      abi: FEED_REGISTRY_ABI,
-      functionName: "latestRoundData",
-      args
-    })
-  ]);
+  const isUpi = platform.toLowerCase() === "upi" && currency.toUpperCase() === "INR";
+  const pair = `${currency.toUpperCase()}/USD`;
+  let decimals;
+  let round;
+  if (isUpi) {
+    if (await publicClient.getChainId() !== 137) {
+      throw new Error("Chainlink INR/USD requires Polygon mainnet (137)");
+    }
+    [decimals, round] = await Promise.all([
+      publicClient.readContract({
+        address: POLYGON_INR_USD_FEED,
+        abi: DIRECT_FEED_ABI,
+        functionName: "decimals"
+      }),
+      publicClient.readContract({
+        address: POLYGON_INR_USD_FEED,
+        abi: DIRECT_FEED_ABI,
+        functionName: "latestRoundData"
+      })
+    ]);
+  } else {
+    const args = [
+      getCreationRateDenomination(platform, currency),
+      USD_DENOMINATION
+    ];
+    [decimals, round] = await Promise.all([
+      publicClient.readContract({
+        address: CHAINLINK_FEED_REGISTRY,
+        abi: FEED_REGISTRY_ABI,
+        functionName: "decimals",
+        args
+      }),
+      publicClient.readContract({
+        address: CHAINLINK_FEED_REGISTRY,
+        abi: FEED_REGISTRY_ABI,
+        functionName: "latestRoundData",
+        args
+      })
+    ]);
+  }
   const [roundId, answer, , updatedAtRaw, answeredInRound] = round;
   if (answer <= 0n || updatedAtRaw <= 0n || answeredInRound < roundId) {
-    throw new Error("Chainlink CNY/USD returned an invalid round");
+    throw new Error(`Chainlink ${pair} returned an invalid round`);
   }
   const updatedAt = Number(updatedAtRaw);
   if (!Number.isSafeInteger(updatedAt) || updatedAt > nowSeconds) {
-    throw new Error("Chainlink CNY/USD returned an invalid timestamp");
+    throw new Error(`Chainlink ${pair} returned an invalid timestamp`);
   }
   if (nowSeconds - updatedAt > CREATION_RATE_MAX_STALENESS_SECONDS) {
-    throw new Error("Chainlink CNY/USD rate is stale");
+    throw new Error(`Chainlink ${pair} rate is stale`);
   }
   const rate1e18 = divideRoundUp(10n ** (BigInt(decimals) + 18n), answer);
   const rate = Number(rate1e18) / 1e18;
   if (!Number.isFinite(rate) || rate <= 0) {
-    throw new Error("Chainlink CNY/USD produced an invalid creation rate");
+    throw new Error(`Chainlink ${pair} produced an invalid creation rate`);
   }
   return { rate1e18, rate, updatedAt };
 }
@@ -1304,10 +1326,11 @@ async function readEstimate(publicClient, input, context = {}) {
   let rate;
   let oracleUpdatedAt;
   if (usesCreationRate) {
-    if (!context.creationRateClient) throw errors.oracleUnsupportedCurrency(currency);
+    const rateClient = creationRatePlatform.toLowerCase() === "upi" ? context.upiCreationRateClient : context.creationRateClient;
+    if (!rateClient) throw errors.oracleUnsupportedCurrency(currency);
     try {
       const snapshot = await readCashCreationRate(
-        context.creationRateClient,
+        rateClient,
         creationRatePlatform,
         currency,
         asOf
@@ -2335,7 +2358,7 @@ function createCashAttributionReader(options) {
 // src/client/classify.ts
 function isCashPayoutSet(payouts, attributedToCash = false) {
   return payouts.length > 0 && payouts.every(
-    (payout) => payout.pricing.marketRate && payout.pricing.spreadBps === 0 || attributedToCash && payout.platform === "alipay" && payout.currency === "CNY" && payout.pricing.fixedAtCreation === true && (payout.pricing.fixedRate ?? 0) > 0
+    (payout) => payout.pricing.marketRate && payout.pricing.spreadBps === 0 || attributedToCash && isCreationRateCorridor(payout.platform, payout.currency ?? "") && payout.pricing.fixedAtCreation === true && (payout.pricing.fixedRate ?? 0) > 0
   );
 }
 
@@ -2439,6 +2462,10 @@ function createCashClient(options) {
     chain: mainnet,
     transport: creationRateTransport
   });
+  const upiCreationRateClient = createPublicClient({
+    chain: polygon,
+    transport: options.upiCreationRateTransport ?? http(options.upiCreationRateRpcUrl)
+  });
   const readCashAttribution = createCashAttributionReader({
     environment,
     ...options.indexerUrl ? { indexerUrl: options.indexerUrl } : {},
@@ -2573,7 +2600,11 @@ function createCashClient(options) {
             throw new Error(`No creation-time rate reader for ${platform}/${currency}`);
           }
           try {
-            return await readCashCreationRate(creationRateClient, platform, currency);
+            return await readCashCreationRate(
+              platform.toLowerCase() === "upi" ? upiCreationRateClient : creationRateClient,
+              platform,
+              currency
+            );
           } catch (err) {
             throw errors.oracleReadFailed(currency, err);
           }
@@ -2951,6 +2982,7 @@ function createCashClient(options) {
         ...estimateOptions?.includeEta !== void 0 ? { includeEta: estimateOptions.includeEta } : {},
         etaReader: async (etaInput) => fillEtaFromSample(await getFillStatsSample(), etaInput),
         creationRateClient,
+        upiCreationRateClient,
         ...options.relay ? { relay: options.relay } : {}
       });
     },

package/dist/react.d.cts

@@ -1,5 +1,5 @@
 import { CurrencyType } from '@zkp2p/sdk';
-import { D as CashClient, a0 as EstimateInput, i as CashEstimate, _ as CashoutOptions, h as CashoutResult, Z as CashoutInput, T as TopUpResult, W as WithdrawResult, e as CashOrder } from './createCashClient-DimDWJU4.cjs';
+import { D as CashClient, a0 as EstimateInput, i as CashEstimate, _ as CashoutOptions, h as CashoutResult, Z as CashoutInput, T as TopUpResult, W as WithdrawResult, e as CashOrder } from './createCashClient-ECL3HN5H.cjs';
 import { WalletClient } from 'viem';
 import '@relayprotocol/relay-sdk';
 

package/dist/react.d.ts

@@ -1,5 +1,5 @@
 import { CurrencyType } from '@zkp2p/sdk';
-import { D as CashClient, a0 as EstimateInput, i as CashEstimate, _ as CashoutOptions, h as CashoutResult, Z as CashoutInput, T as TopUpResult, W as WithdrawResult, e as CashOrder } from './createCashClient-DimDWJU4.js';
+import { D as CashClient, a0 as EstimateInput, i as CashEstimate, _ as CashoutOptions, h as CashoutResult, Z as CashoutInput, T as TopUpResult, W as WithdrawResult, e as CashOrder } from './createCashClient-ECL3HN5H.js';
 import { WalletClient } from 'viem';
 import '@relayprotocol/relay-sdk';
 

package/dist/tools.cjs

@@ -2,7 +2,7 @@
 
 // package.json
 var package_default = {
-  version: "0.5.3"};
+  version: "0.5.4-rc.1"};
 
 // src/tools/index.ts
 var bigintString = {

package/dist/tools.js

@@ -1,6 +1,6 @@
 // package.json
 var package_default = {
-  version: "0.5.3"};
+  version: "0.5.4-rc.1"};
 
 // src/tools/index.ts
 var bigintString = {

package/examples/onchain-demo/package.json

@@ -4,7 +4,7 @@
   "type": "module",
   "description": "Peer Cash Demo: the express sell flow stored entirely onchain on Base, after zSwap by z0r0z",
   "dependencies": {
-    "@zkp2p/cash": "0.4.10",
+    "@zkp2p/cash": "0.5.3",
     "esbuild": "0.28.2",
     "solc": "0.8.36",
     "viem": "2.55.18"

package/examples/upi-staging-cashout.ts

@@ -1,3 +1,4 @@
+// UPI pricing reads Polygon mainnet; configure upiCreationRateRpcUrl for a dedicated provider.
 import { createCashClient, usdc } from '@zkp2p/cash';
 import type { WalletClient } from 'viem';
 

package/llms.txt

@@ -127,3 +127,13 @@ Key facts:
   API key or referral-enrollment transaction is required.
 - [Tools manifest](src/tools/index.ts): JSON-schema definitions of the verbs
 - [Codecs](src/codecs/): zod schemas + lossless JSON round-trips
+
+
+UPI/INR reads the live Chainlink Polygon mainnet proxy
+`0xDA0F8Df6F5dB15b346f4B8D1156722027E194E60` (chain 137), inverts
+USD per INR, and rounds the creation-time maker floor up. Configure its
+read-only RPC with `upiCreationRateRpcUrl` or `upiCreationRateTransport`.
+Alipay/CNY retains the Ethereum registry and `creationRateRpcUrl` /
+`creationRateTransport`. UPI rejects the wrong chain, invalid rounds, and
+observations older than 24 hours; market closures do not bypass freshness.
+This does not change the staging-only UPI opt-in gate.

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@zkp2p/cash",
-  "version": "0.5.3",
+  "version": "0.5.4-rc.1",
   "description": "Peer Cash - offramp-only SDK for routing Relay or NEAR Intents assets to Base USDC, then cashing out to fiat at zero-spread Chainlink market rates.",
   "license": "MIT",
   "author": "Peer (https://peer.xyz)",
@@ -108,7 +108,7 @@
   },
   "dependencies": {
     "@relayprotocol/relay-sdk": "^7.0.1",
-    "@zkp2p/sdk": "0.14.1",
+    "@zkp2p/sdk": "0.14.2-rc.1",
     "zod": "^4.4.3"
   },
   "peerDependencies": {

package/skills/peer-cash-integration/SKILL.md

@@ -263,3 +263,21 @@ Prove both routes without waiting for a buyer:
 
 If withdrawal fails with funds stuck: stop, do not retry blindly, escalate to
 a human with the `depositId` and tx hashes.
+
+UPI/INR reads the live Chainlink Polygon mainnet proxy
+`0xDA0F8Df6F5dB15b346f4B8D1156722027E194E60` (chain 137), inverts
+USD per INR, and rounds the creation-time maker floor up. Configure its
+read-only RPC with `upiCreationRateRpcUrl` or `upiCreationRateTransport`.
+Alipay/CNY retains the Ethereum registry and `creationRateRpcUrl` /
+`creationRateTransport`. UPI rejects the wrong chain, invalid rounds, and
+observations older than 24 hours; market closures do not bypass freshness.
+This does not change the staging-only UPI opt-in gate.
+
+Before a funded UPI QA run, call
+`cash.estimate({ amount: 1000000n, platform: 'upi', currency: 'INR' }, { includeEta: false })`
+using the intended live Polygon RPC. Require a positive finite rate,
+`binding: 'deposit-creation'`, and `oracleUpdatedAt` no more than 86400 seconds
+old and not in the future. Record the observation time and selected chain,
+then stop before funding if the read fails. Unit-test fixtures prove routing,
+not live availability. The authoritative feed listing is
+https://data.chain.link/feeds/polygon/mainnet/inr-usd.