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P2P Protocol reflects a departure from fiat escrows and traditional custodians by using zero-knowledge (ZK) proofs for non-custodial KYC, making on/off-ramps privacy-preserving and governed by users' collective interests. The end-state is a credibility-based DeFi ecosystem where peers transact, save, and build services on top of an open Proof-of-Credibility graph—useful, easy to use, privacy-first, and not reliant on over-collateralized mechanics for every everyday action. This paper lays out that vision, the principles guiding it, what works today, and the path to a mature, protocol-neutral, global network by and beyond 2026.