How to Create a Zero Knowledge DApp: From Zero to Production, Case 2: zk P2P

Can a P2P on-ramp still work without a platform acting as escrow? In the world of crypto, the first thing a newcomer really has to do to enter the space is usually not trading and not doing DeFi, but completing an on-ramp first. And the on-ramp flow most people are familiar with is usually an OTC exchange on an exchange: the user sends fiat first, and after the platform confirms the payment, it releases USDT or USDC. The reason this works has never been just matching. The exchange holds the deci