# Fiat/P2P

As part of our continuous efforts to enhance MEXC’s P2P trading platform and expand support for more fiat currencies, we are pleased to announce that Ghana Cedi (GHS) are now available for cryptocurrency transactions. Users can now seamlessly buy and sell digital assets using these supported currencies. Users can now trade BTC, USDT, ETH, and USDC with these newly supported currencies on MEXC, enjoying zero fees for a seamless trading experience.Kickstart your P2P trading journey We're inviting new merchants to join MEXC's P2P platform and post ads for buying and selling cryptocurrency. As a P2P merchant, you'll enjoy zero transaction fees, dedicated customer support, a special merchant badge, and access to exclusive events with added benefits.Apply now to become a P2P merchant! What is P2P trading?MEXC P2P is a platform that allows users to trade cryptocurrency directly with other users. You can buy and sell cryptocurrency on MEXC P2P as a seller or a buyer. Learn More 

MEXC is pleased to announce that you can now purchase crypto easily with Apple Pay and Google Pay. Make your crypto purchasing experience easier today. Why Buy Crypto with Apple Pay & Google Pay on MEXC?• Global Reach: Instantly purchase 30+ cryptocurrencies with 50+ supported fiat currencies.• Trusted Security: Transactions are backed by Apple Pay and Google Pay’s market-leading encryption and authentication systems. • Seamless Experience: Complete your purchase in seconds with just a few taps—no extra logins, no extra hassle. • Everyday Simplicity: Use the same wallets you rely on daily, now for your crypto journey. How to It Works:1. Go to the Quick Buy page.2. Choose your preferred crypto and fiat currency.3. Select Apple Pay or Google Pay at checkout.4. Complete your purchase instantly — funds will be delivered securely to your MEXC account. With the integration of Apple Pay and Google Pay, MEXC continues to enhance accessibility and convenience for global users. This update reflects our commitment to delivering a smooth, secure, and user-friendly crypto trading experience, empowering more people to enter the digital asset market with ease.

MEXC T+N Withdrawal Policy FAQWhat is the T+N Withdrawal Policy?The T+N withdrawal policy requires that cryptocurrencies purchased via fiat channels must be held for N hours before they can be withdrawn or transferred. This policy is designed to freeze suspicious funds during the risk control review period, helping prevent money laundering and fraud.T+N is a liquidity restriction policy applied to assets obtained through fiat channels. It covers the following restricted operations: Withdrawals, internal transfers, fiat/P2P selling, fiat withdrawals, Gift sending Until the N-day countdown (e.g., T+N = 24/72 hours) is completed, all of the above operations remain frozen.Why is a T+N withdrawal waiting period required

To enhance the trading experience for P2P users, MEXC has launched an ad-posting feature for all users. All eligible users can post their own trade ads without applying to become merchants. This update enhances accessibility and flexibility in the P2P trading experience.To start posting ads, users must satisfy the following requirements:Complete Advanced KYC Verification.Link your email address to your MEXC account.Link your mobile number to your MEXC account.Meet the trading requirements based on the table below.MarketSell AdsBuy AdsNoteAccount AgeAccount AgeNo. of Completed Orders*Net P2P Trading VolumeNo. of Unique CounterpartiesCompletion RateMax Amount per AdCISRUB24 hours90 days12100012> 85%$3,000AMD24 hours3 days53005> 85%$3,000KZT24 hours3 days55005> 85%$3,000TJS24 hours3 days53005> 85%$3,000KGS24 hours3 days53005> 85%$3,000AZN24 hours3 days53005> 85%$3,000BYN24 hours3 days53005> 85%$3,000UZS24 hours3 days53005> 85%$3,000GEL24 hours3 days53005> 85%$3,000UAH24 hours7 days1050010> 85%$3,000VietnamVND24 hours15 days15150015> 85%$3,000SEAPHP24 hours7 days1050010> 85%$3,000MYR24 hours3 days55005> 85%$3,000IDR24 hours7 days10100010> 85%$1,500MENAAED24 hours3 days55005> 85%$3,000SAR24 hours3 days55005> 85%$3,000EGP24 hours3 days55005> 85%$3,000JOD24 hours3 days55005> 85%$3,000MAD24 hours3 days55005> 85%$3,000SYP24 hours3 days5--5> 85%$3,000IQD24 hours3 days5--5> 85%$3,000TRY24 hours3 days53005> 85%$3,000LATAMARS24 hours24 hours------> 85%$3,000BRL24 hours24 hours------> 85%$3,000MXN24 hours24 hours------> 85%$3,000COP24 hours24 hours------> 85%$3,000VES24 hours24 hours------> 85%$3,000BOB24 hours24 hours------> 85%$3,000AfricaNGN24 hours7 days15150015> 85%$1,000KES24 hours3 days55005> 85%$3,000ZAR24 hours3 days55005> 85%$3,000ETB24 hours3 days55005> 85%$3,000GHS24 hours24 hours5--5> 85%$3,000XOF24 hours24 hours5--5> 85%$3,000EU zoneEUR24 hours3 days55005> 85%$3,000GBP24 hours3 days55005> 85%$3,000PLN24 hours3 days55005> 85%$3,000RON24 hours3 days5--5> 85%$3,000MDL24 hours3 days5--5> 85%$3,000OTHERLKR24 hours3 days5--5> 85%$3,000NPR24 hours3 days5--5> 85%$3,000INR24 hours15 days15150015> 85%$1,000USD24 hours3 days55005> 85%$3,000BDT24 hours3 days55005> 85%$3,000PKR24 hours15 days20150020> 85%$1,500*Net trading volume is calculated as total purchases minus total sales over a specific period.Learn how to post ads on MEXC P2P hereAd Posting Limits by Merchant Level:The number of ads a user can post is determined by the user's verification status, country or region, and merchant level.Merchant LevelBuy Ads LimitSell Ads LimitStandard Account2 per Fiat/Crypto pair2 per Fiat/Crypto pairVerified Merchant3 per Fiat/Crypto pair3 per Fiat/Crypto pairPrime Merchant4 per Fiat/Crypto pair4 per Fiat/Crypto pairLegacy Merchant4 per Fiat/Crypto pair4 per Fiat/Crypto pairBIZ Merchant4 per Fiat/Crypto pair4 per Fiat/Crypto pairExample: A Prime Merchant trading USDT/PHP and USDT/NGN can post up to 4 Buy ads and 4 Sell ads for each pair, allowing a maximum of 16 active ads in total.Want to unlock higher ad limits and access advanced tools?Apply to become a Verified Merchant here

 To enhance user security, MEXC has introduced a T+N withdrawal policy for tokens purchased via the platform's payment channels. Under this policy, tokens will become eligible for withdrawal 24 to 72 hours after the purchase transaction is successfully completed. This policy currently applies to users in the following jurisdictions:Belgium, Brazil, Czech Republic, Denmark, Estonia, France, Germany, Hungary, India, Ireland, Italy, Jordan, Latvia, Netherlands, Norway, Poland, Romania, Saudi Arabia, Slovakia, Spain, Switzerland, United Arab Emirates, and the United Kingdom. MEXC may update the list of affected regions at any time at its sole discretion. If you have any questions, please contact MEXC Customer Service. Thank you for your continued support.

To enhance user protection and support the integrity of the P2P market, MEXC has implemented T+1 and T+2 withdrawal rules for users from specific countries. These restrictions help mitigate risks associated with fraud, chargebacks, and fund abuse by introducing a temporary holding period for crypto assets purchased via P2P. What are T+1 and T+2 Rules?T+1: Crypto assets acquired via P2P remain non-withdrawable and cannot be used for P2P selling for 24 hours from the time of purchase.T+2: Crypto assets remain non-withdrawable and restricted from P2P selling for 48–72 hours, depending on risk tier and local compliance requirements.This restriction applies only to the crypto acquired through P2P during the escrow period. Users can continue to trade freely on other products (Spot, Futures, etc.) during this time. Benefits of T+1/T+2 Withdrawal RestrictionsThe T+N logic is designed to:Protect users by preventing the withdrawal of crypto purchased with potentially fraudulent fiat transfers.Reduce platform abuse, including chargebacks and fake bank receipts.Mitigate risk of bank account freezes due to suspicious fund movements.Support AML compliance, particularly in high-risk jurisdictions.Preserve liquidity and trust in MEXC's P2P system.By holding assets temporarily, MEXC ensures all parties in a trade are better protected, while regulatory requirements are properly followed. Who Is Affected

The White Zone is a special section within the MEXC P2P platform designed to offer a more transparent and secure trading experience. Ads displayed in the White Zone undergo manual review to ensure they meet the platform’s internal standards for payment compliance and trade structure. How It WorksFor Merchants & AdvertisersWhite Zone access is not limited to verified merchants. All P2P users can apply to list their ads in the White Zone, provided they meet the required standards.When posting an ad in the RUB market, you can apply for White Zone listing by ticking the "White Zone" checkbox.Your ad will be submitted for manual review by the MEXC team.If approved, the ad will appear in both:Standard P2P listingsThe White Zone sectionIf the ad does not meet the criteria, it will only remain visible in the standard list. The White Zone option will be temporarily disabled for that ad. Who Can TradeBuyers and sellers can access White Zone ads by:Selecting the RUB fiat market in P2PClicking the White Zone tabWhite Zone ads are displayed separately to help users identify listings that meet MEXC’s internal standards. Important: When placing an order with a White Zone ad, users must follow the platform’s trade structure and payment flow rules.This includes:Making payments only from accounts registered under your nameAvoiding third-party transfersFollowing the ad’s listed payment method and instructions strictlyFailure to follow these rules may result in trade cancellation, delayed release, or restrictions on future access to White Zone ads. Policy EnforcementTo ensure the integrity of the White Zone:Users who submit non-compliant ads three times will have their access to the White Zone permanently disabled.Attempts to bypass or manipulate the rules (e.g., using others’ payment accounts, misleading details) may result in:Loss of merchant privilegesAccount suspension from P2P trading Notification and SupportYou will be notified about ad approvals or rejections via:EmailApp notificationsInternal message centerTelegram bot (if connected)For further questions or feedback, please contact the P2P Team via email at p2p@mexc.com DisclaimerBy participating in White Zone trades, you acknowledge and agree to the following:White Zone ads are manually reviewed by MEXC before publication to ensure they meet platform standards — including compliant payment methods, accurate ad details, and adherence to trading policies. This additional layer of moderation improves the overall quality of listings and helps reduce exposure to ads that may carry a higher risk of transaction issues or policy violations. However, MEXC does not guarantee the performance of the transaction itself. Trades remain peer-to-peer and are executed directly between users. MEXC does not monitor, intervene, or control real-time transaction flow.All trades remain peer-to-peer and are governed by the MEXC P2P Service Agreement.   

We've expanded our credit/debit card payment service to 45 fiat currencies and 34 crypto assets, unlocking over 1,300 new fiat-to-crypto pairs. From leading blockchain projects to trending memecoins, buying crypto with your local currency has never been easier! To celebrate, we're giving you guaranteed rewards in our Fortune Spin event. Simply buy crypto via credit or debit card during the event for a chance to win up to 1,000 USDT—and every spin wins! Event PeriodAug 19, 2025, 10:00 (UTC) – Sep 18, 2025, 10:00 (UTC) How to ParticipateStep 1: Register for the event.Step 2: Buy any crypto with any fiat currency via credit/debit card.Step 3: Get a spin for every eligible transaction—every spin guarantees a reward! What's New✅ 45 fiat currencies via Visa & Mastercard, including: AED, AOA, AUD, BGN, BHD, BMD, BRL, CAD, CHF, CLP, COP, CZK, DKK, EUR, GBP, HNL, HUF, IDR, ILS, INR, JPY, KWD, KZT, MUR, MXN, MYR, NAD, NOK, NZD, PAB, PEN, PGK, PHP, PLN, QAR, RON, RSD, SAR, SEK, THB, TRY, TWD, USD, VND, and ZAR.✅ 34 crypto assets, from major tokens to trending memecoins, plus DeFi and infrastructure tokens.✅ 1,300+ pairs now available.✅ Instant, secure crypto delivery. Join us in celebrating this upgrade and win guaranteed rewards!  Terms & Conditions- The event is available exclusively to users who complete both registration and KYC verification.- Users must click the Register Now button on this page to be eligible for the event.- Only payments made via credit or debit card are eligible. Payments made through third parties are excluded.- Only transactions completed via credit or debit card are eligible for spin chances. Any spins obtained through other payment methods will not be honored.- Spin chances may experience a slight delay in being credited to eligible participants after meeting the requirements. Unused spins will be forfeited once the event ends, please use all in time.- All rewards will be distributed on a first-come, first-served basis within 7 business days after the event ends. Token rewards will be airdropped to users' Spot wallets.- In the event of any inconsistency or discrepancy between the translated version and the original English version, the English version shall prevail.- MEXC reserves the right to modify the terms of this event without prior notice.- MEXC reserves the right of final interpretation for this event. If you have any questions, please contact the Customer Service team.

What is escrow in P2P trading?Escrow is a built-in safety mechanism that protects both the buyer and the seller during a P2P transaction. When a buyer places an order on MEXC P2P, the seller's crypto is automatically locked in an escrow, i.e. temporarily held by the platform.This ensures that the seller cannot withdraw or transfer the funds while the buyer makes payment. What happens after the order is placed

OverviewThe MEXC Liquidity Partnership Program is designed to attract and support experienced P2P traders who can provide stable, high-volume liquidity across major fiat pairs. In return, selected partners receive exclusive benefits such as 0% fees, early product access, and personalized support.This program helps ensure that the MEXC P2P marketplace remains competitive, fast, and reliable, especially during peak hours and volatile market conditions. Key Benefits for Liquidity PartnersApproved liquidity partners receive:0% P2P trading fees on eligible tradesPriority onboarding and support via dedicated BD managerCustom performance-based rewards or rebatesEarly access to new features, tools, or eventsBenefits may vary slightly depending on region and activity level. Who Can Join?The program is intended for professional-level traders who meet at least one of the following profiles:High-frequency or high-volume P2P tradersOTC desks and crypto market makersVerified merchants from other platformsTrading teams with automation and API capabilitiesThis is not a beginner-level program. Applicants must demonstrate consistent performance and a strong understanding of P2P trading. RequirementsWhile specific thresholds differ by market, applicants are generally expected to meet the following criteria:Consistent daily trading volume above local benchmarksCompetitive pricing (tight spreads on Buy and Sell ads)Online availability above 80% during active hoursVerified KYC profile and clean compliance historyStrong order completion rate and good user reviewsNote: Requirements and incentive structures may differ by country. Contact your local MEXC manager to understand regional targets.All applications are reviewed individually and vary based on current market needs. How to ApplyYou can apply directly via the official program page: Buy Crypto Instantly: Secure & Easy Cryptocurrency Purchases | MEXCAlternatively, reach out to p2p@mexc.com for more details. Can I Be Removed from the Program