FIAT swaps so fast that you can pay at any store. 
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Seamless across Chains and Currencies
Easily buy or sell USDC across multiple chains with fiat
currencies — fast, secure and hassle-free.
Secure and Transparent
Fiat ⇄ USDC
Swap/Trade directly with real, verified Liquidity Providers — no bank freezes, no personal data shared.
Private & Fraudproof
Stay fully protected as minimal zkKYC verifies your identity without exposing sensitive details. Experience robust fraud prevention with a privacy-first approach to P2P transactions.
Blazing Fast
Experience near-instant swaps, powered by a global network of peers. Enjoy minimal wait times and a smooth payment flow.
Decentralized
Operates as an open protocol, where no central authority can control or censor transactions. You retain absolute ownership of your assets.
Get started with confidence
Discover how we make every Peer to Peer (P2P) transaction secure, private, and fraud-proof. Everything you need to know about in one place.
Read WhitepaperBecome a Liquidity Provider to earn 1% on every transaction!
Minimal effort - LPs provide USDC liquidity and process swaps with their bank accounts to earn 1% everytime someone swaps.
Before this, I was struggling to make ends meet with my small tailoring business. Now, with P2P.me, I earn extra income passively. Just a few transactions a week, and I can afford better education for my children. It has changed my life!
Ayesha
Delhi, India
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I work as a motorcycle taxi rider, and money was always tight. A friend introduced me to P2P.me, and at first, I was skeptical. But now, my savings have grown, and I no longer worry about emergencies. This platform is a blessing!
Emeka
Lagos, Nigeria
E
As a single mother, I always looked for ways to earn without sacrificing time with my kids. P2P.me lets me grow my income without stress. I started small, but now I have steady earnings every month. It’s the best financial decision I’ve made!
Putri
Jakarta, Indonesia
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Life was tough working long hours at a factory, and I never thought I could invest or earn extra. But P2P.me made it possible! Now, I have passive income, and I’m saving to start my own business. It’s real, and it works!
Minh
Ho Chi Minh City, Vietnam
M
I used to rely only on my small food stall, but the income was never enough. A friend told me about P2P.me, and now I earn extra money every week without any risk. I feel more independent, and my family’s life has improved so much!
Fatima
Kano, Nigeria
F
Tourism jobs come and go, and I needed something stable. With P2P.me, I make passive income without worrying about losing work. Now, I can plan for the future instead of just surviving day by day!
Siti
Bali, Indonesia
S
Any Questions?
We got you.
How does P2P address the 'Bank Freezing' Issue?
Fraudsters exploit peer-to-peer (P2P) transactions by purchasing USDC (USD Coin) from legitimate members using fraudulent fiat currency. As a result, the seller unknowingly receives illicit funds into their bank account. When authorities trace the money trail, they often freeze the seller's bank account—without identifying the actual fraudster. This issue is a well-known problem in P2P communities.
P2P.me solves this problem with a Reputation Points (RP) system, which sets transaction limits based on user credibility. New users start with a $0 transaction limit, preventing them from participating in P2P trades until they verify their legitimacy. They can do this by submitting zero-knowledge proofs of their social media accounts or by receiving a recommendation from a trusted community member with at least 200 RP.
To maintain security, if a fraudster is recommended by an existing member and later reported, both the fraudster's RP and the recommender's RP will be reduced. This discourages members from endorsing unverified users and helps protect the integrity of the platform.
This system has proven highly effective—with nearly zero fraud cases across 5,000+ transactions. While there is still a small chance of account freezes due to external factors, we are here to help. If your account is ever frozen due to transactions on P2P.me, please contact us via our Telegram group, and we will assist you promptly.
What is RP (Reputation Points) on P2P.me?
Reputation Points (RP) are a trust metric on P2P.me that helps prevent fraud by setting transaction limits based on your RP. The higher your RP, the more USDC (USD Coin) you can buy or sell on the platform.
How to Increase Your Transaction Limits:
1. Recommendations from Trusted Members:
- Earn 50 RP per recommendation: Get recommended by a member with over 200 RP.
- Stackable benefits: Each additional recommendation adds another 50 RP.
2. Zero-Knowledge Social Media Proofs (ZK-KYC):
- Earn up to 200 RP by submitting proof of your social media accounts.
- Privacy guaranteed – your social media information remains completely private forever.
3. Optional Zero-Knowledge KYC (ZK-KYC):
- Earn 300 RP by submitting a zero-knowledge proof of your Aadhaar card. This is completely optional.
- Important: Your ZK-KYC information will be accessible to the Indian government.
4. Transaction Milestones:
- After 5 Transactions: Earn 75 RP.
- After 25 Transactions: Earn another 75 RP.
How many transactions can I do?
A P2P.me user can:
- Place 5 Buy USDC orders per day (maximum of 25 completed Buy orders per month).
- Place 10 Sell USDC orders per day (no monthly limit).
What Are the Preferred Timings to Use P2P.me?
Orders on P2P.me are assigned to merchants only when they are available to fulfill them. Based on our historical data, merchants are most active between 9 AM and 9 PM. Therefore, it is highly recommended to place your orders during these hours for quicker processing.
While some merchants may be available at night, placing orders during daytime increases the likelihood of immediate fulfillment. Submitting your requests during peak activity times ensures a smoother and faster transaction experience.
Will P2P.me Deduct Taxes from Your Transactions?
No, P2P.me does not deduct any taxes from your transactions. As a decentralized protocol that connects users with merchants without holding any user funds, P2P.me is unable to withhold taxes on your behalf.
You are responsible for ensuring compliance with the tax laws in your local jurisdiction. P2P.me provides you with detailed transaction history data to assist you in fulfilling any tax obligations. Please consult a tax professional if you have questions about reporting your transactions.
Is KYC Required?
No, P2P.me does not require KYC for transactions. However, by submitting your KYC zero-knowledge proof (Zk-proof), you can access higher transaction limits.
Who is building the P2P.me protocol?
P2P.me is a public goods protocol on the Base Layer 2 network, developed by a diverse cohort of developers from around the world.
Is P2P.me compliant with FATF guidelines to prevent money laundering?
Yes, P2P.me is designed to comply with the guidelines of FATF (Financial Action Task Force) the global watchdog for money laundering and countering terrorist financing, upon which local jurisdictions frame their money laundering-related laws.
The use of ZK-KYC and lower transaction limits on P2P.me ensures that users cannot misuse the protocol for money laundering. The protocol is tailored for micro-transactions, supporting the broader goal of enabling consumer crypto adoption.
Are merchants on P2P.me verified?
P2P.me operates as a permissionless protocol, allowing anyone to stake USDC and provide liquidity to become a merchant. However, merchants are required to submit ZK-proofs to verify that they hold a valid bank account.
Will P2P.me assist users with legal compliance?
P2P.me is a community-driven protocol, where community members assist each other with legal compliance matters, including issues such as unfreezing bank accounts. To get support, users are encouraged to join the P2P.me community channels for help and guidance.