The Problem with Today’s P2P

Peer-to-peer trading has always promised freedom — no banks, no borders, no middlemen. But the reality of today’s P2P platforms falls short of that vision.

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1. Fees that Drain Value

• A $100 Amazon card can shrink to $85 after platform spreads and hidden charges.

• Crypto swaps cost 2–3% on average — percentages that add up quickly for active traders.

• What should be a lifeline for freelancers and gamers often feels like daylight robbery.

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2. Time Lost to Waiting

• Trades are not instant.

• They depend on sellers being online, moderators being awake, and disputes dragging on.

• Settlement times stretch 15, 30, sometimes 60 minutes.

• In a world where bank transfers clear in seconds, this lag is unacceptable.

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3. Trust That Feels Fragile

• Current systems rely on human moderators to handle escrow and disputes.

• But humans bring bias, inconsistency, and delay.

• Traders live with the anxiety of every pending trade: Will this release? Or am I about to get scammed?

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4. Outdated User Experience

• Negotiation, chat screenshots, manual proof, endless haggling.

• Instead of a smooth payment flow, P2P feels like gambling with strangers online.

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5. Lack of Scalability

• As volumes grow, these pain points multiply:

  • More trades → more disputes.

  • More disputes → more moderators.

  • More moderators → more overhead.

• Inefficiency is passed b