Buy crypto with P2P / Cash

P2P trading lets you buy crypto directly from other people, with the exchange holding the crypto in escrow until payment confirms. It's the main on-ramp where banking rails to exchanges are limited.

Minutes–hoursPeer-to-peer escrow

Find a P2P / Cash exchange See the list

Ranked

Exchanges that accept P2P / Cash

BybitBest match

KYC full

Trust8.6

Fee0%

Coins10

Buy crypto Review

OKX

KYC tiered

Trust8.8

Fee0%

Coins9

Buy crypto Review

Binance

KYC tiered

Trust9.2

Fee0%

Coins10

Buy crypto Review

Coinporta may earn a commission when you sign up through links on this site. This never affects our rankings, which are based on independent editorial scoring.

Why use P2P / Cash

Works where bank rails to exchanges don't
Hundreds of local payment methods
Zero or near-zero platform fees
Escrow protection on reputable platforms

Worth knowing

Prices carry a spread over market rate
Scam risk if you ignore escrow rules
Slower than instant card purchases

Coins

What you can buy with P2P / Cash

Buy Bitcoin→Buy Ethereum→Buy Tether→Buy XRP→Buy BNB→Buy Solana→Buy USD Coin→Buy Dogecoin→Buy Cardano→Buy TRON→

Step by step

How buying with P2P / Cash works

STEP 01Open the exchange's P2P market

Filter offers by your currency and preferred payment method; sort by price and merchant rating.

STEP 02Start a trade — crypto locks in escrow

The seller's crypto is held by the platform the moment the order opens.

STEP 03Pay the seller directly

Send the exact amount via the listed method and mark the order as paid.

STEP 04Receive crypto from escrow

Once the seller confirms receipt, the platform releases the crypto to your account.

Good to know

P2P / Cash & crypto: FAQ

On major platforms with escrow (Binance P2P, Bybit P2P, OKX P2P), yes — if you follow the rules: keep all communication on-platform, verify payment in your own bank app before releasing, and trade with high-rating merchants.