Clean P2P crypto trading
Trade crypto
without losing your
bank account.
Every payment is verified clean before it reaches you. No frozen accounts, no chargebacks, no trusting a stranger.
Money you can keep
Every payment is screened, then settled in regulated USDC, so what lands in your account is safe to hold.
No middleman to trust
The trade settles automatically the moment payment is proven. The other side can't run.
No frozen accounts
You never take in money you can't account for, so there's nothing for a bank to freeze months later.
The frozen-account problem
The real risk isn't a bad trade. It's a frozen account.
On most P2P exchanges, you can do everything right and still receive tainted cash, then have your bank account frozen by the authorities weeks later.
Pesapay checks every payment is clean before it ever reaches you, and settles in regulated USDC. The money you receive is yours to keep.
How a trade works
No middlemen. No reversals. Proven on both sides.
Place an order
Choose buy or sell, set the amount, and pick how you'll pay. We match you with a trading partner.
Crypto locks in escrow
It's held safely before any cash moves, so neither the seller nor Pesapay can touch it.
Payment is proven clean
You pay your trading partner directly. The payment is checked and proven clean before anything releases.
Clean settlement in USDC
Funds settle automatically in regulated USDC. The money you receive is safe to keep.
Speaks USDT, settles USDC
Trade the dollar everyone uses. Keep the one that's safe to hold.
Quote and trade in USDT like you're used to, while every settlement lands in regulated USDC. You get the liquidity of the market and the safety of clean, accountable money.
What makes it safe
Verified by math, not by a support team.
Every payment carries proof it happened and that it's clean. No dispute to win, no support queue, no human to convince.
Pesapay never holds or controls your money. Funds sit in escrow during a trade and release only on proof.
Once a trade settles, it's final. No chargebacks, no reversals, nothing to claw back.
FAQ
Common questions.
How does Pesapay keep my bank account safe?
Every payment is screened and proven clean before the trade can settle, and you receive regulated USDC. You never take in money you can't account for.
Who holds my money during a trade?
Nobody. The crypto sits in a non-custodial escrow and releases automatically once payment is proven. Pesapay never controls your funds.
What if the other person doesn't pay?
No payment, no release. The crypto stays locked in escrow until a clean payment is proven, so there's nothing for a bad actor to walk away with.
Why USDT in, USDC out?
USDT is what the market trades, so that's how you quote and match. USDC is regulated and safe to hold, so that's what settles into your account.
Trade crypto. Keep your bank account.
Verified payments, automatic settlement, and a bank account you don't have to worry about.