# MoneroP2P Fiat > Peer-to-peer marketplace to buy and sell Monero (XMR) for local currency (MXN, USD, EUR, COP, ARS, BRL, PEN, VES, CLP, CAD, INR and 150+ more) with bank transfers, payment apps or cash. Every order's XMR is locked in a 2-of-3 Monero multisig escrow (buyer, seller, arbiter) until the seller confirms the fiat payment. No KYC, no email. Live on Monero mainnet (real money). Key facts: - Buying is free; sellers pay 0.5% of the amount in XMR on release, plus the Monero network fee. - Cap of 1000 USD (or equivalent) per order; up to 3 open orders per user. - The escrow is built when an order opens (it needs the buyer's key), not when an ad is posted. Only ads from advertisers active in the last 10 minutes can be taken. Sellers have 30 minutes to deposit; after 10 confirmations (~20 min) the buyer pays off-platform and marks the payment; the seller releases. Appeals open 15 minutes after the payment is marked; support signs with one party. - Prices are set by advertisers, usually as a margin over the market price (median of Kraken, KuCoin, MEXC, HTX and CoinGecko, converted with daily FX rates). - Reversible payment methods (PayPal, Mercado Pago, Revolut, cards) are flagged; sellers can require a minimum order history for them. - Accounts are keys generated in the browser, protected by a password, with a downloadable backup. - Open source (AGPL-3.0): https://github.com/juanjobs39-cloud/xmrp2p. Crypto ↔ XMR swaps (BTC, USDT, ETH… and atomic swaps) live on the main site: https://monerop2p.app/ ## Deep links (market with filters) - Buy XMR with SPEI in MXN: https://fiat.monerop2p.app/en/app/#/?lado=comprar&fiat=MXN&metodo=SPEI - Sell XMR for EUR: https://fiat.monerop2p.app/en/app/#/?lado=vender&fiat=EUR - Parameters: lado=comprar|vender, fiat=, metodo=, pais=, monto=. Spanish pages use https://fiat.monerop2p.app/es/app/. ## Public read-only API (JSON, no key, CORS enabled) - Market price of XMR in a currency: https://fiat.monerop2p.app/v1/p2p/price?fiat=MXN → {fiat, price, usd, rate, sources, at} - Ads: https://fiat.monerop2p.app/v1/p2p/ads?side=sell&fiat=MXN (side=sell lists XMR for sale, i.e. where you can buy; side=buy lists buyers). Optional: method, country, amount, online=1. Each ad includes price, min_fiat, max_fiat, available_xmr, methods, pay_window_min and the advertiser's public stats (orders, completion %, online). - Supported currencies: https://fiat.monerop2p.app/v1/p2p/fiats · Suggested methods for a currency: https://fiat.monerop2p.app/v1/p2p/methods?fiat=COP · Platform settings: https://fiat.monerop2p.app/v1/p2p/config ## Pages (English) - [Buy and sell Monero P2P](https://fiat.monerop2p.app/en/) - [P2P market (app)](https://fiat.monerop2p.app/en/app/) - [How it works](https://fiat.monerop2p.app/en/how-it-works/) - [Fees and limits](https://fiat.monerop2p.app/en/fees-and-limits/) - [Safety and common scams](https://fiat.monerop2p.app/en/safety/) - [FAQ](https://fiat.monerop2p.app/en/faq/) - [Payment methods](https://fiat.monerop2p.app/en/payment-methods/) - [Countries](https://fiat.monerop2p.app/en/countries/) ### Payment methods - [Buy Monero with SPEI](https://fiat.monerop2p.app/en/buy-monero-with-spei/) - [Buy Monero with OXXO](https://fiat.monerop2p.app/en/buy-monero-with-oxxo-cash-deposit/) - [Buy Monero with Mercado Pago](https://fiat.monerop2p.app/en/buy-monero-with-mercado-pago/) - [Buy Monero with Nequi](https://fiat.monerop2p.app/en/buy-monero-with-nequi/) - [Buy Monero with Daviplata](https://fiat.monerop2p.app/en/buy-monero-with-daviplata/) - [Buy Monero with Bancolombia](https://fiat.monerop2p.app/en/buy-monero-with-bancolombia/) - [Buy Monero with Pix](https://fiat.monerop2p.app/en/buy-monero-with-pix/) - [Buy Monero with Transferencia CBU/CVU](https://fiat.monerop2p.app/en/buy-monero-with-bank-transfer-argentina/) - [Buy Monero with Yape](https://fiat.monerop2p.app/en/buy-monero-with-yape/) - [Buy Monero with Plin](https://fiat.monerop2p.app/en/buy-monero-with-plin/) - [Buy Monero with Pago Móvil](https://fiat.monerop2p.app/en/buy-monero-with-pago-movil/) - [Buy Monero with Zelle](https://fiat.monerop2p.app/en/buy-monero-with-zelle/) - [Buy Monero with SEPA](https://fiat.monerop2p.app/en/buy-monero-with-sepa/) - [Buy Monero with Revolut](https://fiat.monerop2p.app/en/buy-monero-with-revolut/) - [Buy Monero with Wise](https://fiat.monerop2p.app/en/buy-monero-with-wise/) - [Buy Monero with PayPal](https://fiat.monerop2p.app/en/buy-monero-with-paypal/) - [Buy Monero with Efectivo en persona](https://fiat.monerop2p.app/en/buy-monero-with-cash/) - [Buy Monero with Interac e-Transfer](https://fiat.monerop2p.app/en/buy-monero-with-interac/) - [Buy Monero with UPI](https://fiat.monerop2p.app/en/buy-monero-with-upi/) ### Countries - [Buy Monero in Mexico](https://fiat.monerop2p.app/en/buy-monero-in-mexico/) - [Buy Monero in Colombia](https://fiat.monerop2p.app/en/buy-monero-in-colombia/) - [Buy Monero in Argentina](https://fiat.monerop2p.app/en/buy-monero-in-argentina/) - [Buy Monero in Peru](https://fiat.monerop2p.app/en/buy-monero-in-peru/) - [Buy Monero in Venezuela](https://fiat.monerop2p.app/en/buy-monero-in-venezuela/) - [Buy Monero in Chile](https://fiat.monerop2p.app/en/buy-monero-in-chile/) - [Buy Monero in Brazil](https://fiat.monerop2p.app/en/buy-monero-in-brazil/) - [Buy Monero in Spain](https://fiat.monerop2p.app/en/buy-monero-in-spain/) - [Buy Monero in the United States](https://fiat.monerop2p.app/en/buy-monero-in-the-united-states/) ## Páginas (español) - [Comprar y vender Monero P2P](https://fiat.monerop2p.app/es/) - [Mercado P2P (app)](https://fiat.monerop2p.app/es/app/) - [Cómo funciona](https://fiat.monerop2p.app/es/como-funciona/) - [Comisiones y límites](https://fiat.monerop2p.app/es/comisiones-y-limites/) - [Seguridad y estafas comunes](https://fiat.monerop2p.app/es/seguridad/) - [Preguntas frecuentes](https://fiat.monerop2p.app/es/preguntas-frecuentes/) - [Métodos de pago](https://fiat.monerop2p.app/es/metodos-de-pago/) - [Países](https://fiat.monerop2p.app/es/paises/) ### Métodos de pago - [Comprar Monero con SPEI](https://fiat.monerop2p.app/es/comprar-monero-con-spei/) - [Comprar Monero con OXXO](https://fiat.monerop2p.app/es/comprar-monero-con-deposito-oxxo/) - [Comprar Monero con Mercado Pago](https://fiat.monerop2p.app/es/comprar-monero-con-mercado-pago/) - [Comprar Monero con Nequi](https://fiat.monerop2p.app/es/comprar-monero-con-nequi/) - [Comprar Monero con Daviplata](https://fiat.monerop2p.app/es/comprar-monero-con-daviplata/) - [Comprar Monero con Bancolombia](https://fiat.monerop2p.app/es/comprar-monero-con-bancolombia/) - [Comprar Monero con Pix](https://fiat.monerop2p.app/es/comprar-monero-con-pix/) - [Comprar Monero con Transferencia CBU/CVU](https://fiat.monerop2p.app/es/comprar-monero-con-transferencia-cbu-cvu/) - [Comprar Monero con Yape](https://fiat.monerop2p.app/es/comprar-monero-con-yape/) - [Comprar Monero con Plin](https://fiat.monerop2p.app/es/comprar-monero-con-plin/) - [Comprar Monero con Pago Móvil](https://fiat.monerop2p.app/es/comprar-monero-con-pago-movil/) - [Comprar Monero con Zelle](https://fiat.monerop2p.app/es/comprar-monero-con-zelle/) - [Comprar Monero con SEPA](https://fiat.monerop2p.app/es/comprar-monero-con-transferencia-sepa/) - [Comprar Monero con Revolut](https://fiat.monerop2p.app/es/comprar-monero-con-revolut/) - [Comprar Monero con Wise](https://fiat.monerop2p.app/es/comprar-monero-con-wise/) - [Comprar Monero con PayPal](https://fiat.monerop2p.app/es/comprar-monero-con-paypal/) - [Comprar Monero con Efectivo en persona](https://fiat.monerop2p.app/es/comprar-monero-con-efectivo/) - [Comprar Monero con Interac e-Transfer](https://fiat.monerop2p.app/es/comprar-monero-con-interac/) - [Comprar Monero con UPI](https://fiat.monerop2p.app/es/comprar-monero-con-upi/) ### Países - [Comprar Monero en México](https://fiat.monerop2p.app/es/comprar-monero-en-mexico/) - [Comprar Monero en Colombia](https://fiat.monerop2p.app/es/comprar-monero-en-colombia/) - [Comprar Monero en Argentina](https://fiat.monerop2p.app/es/comprar-monero-en-argentina/) - [Comprar Monero en Perú](https://fiat.monerop2p.app/es/comprar-monero-en-peru/) - [Comprar Monero en Venezuela](https://fiat.monerop2p.app/es/comprar-monero-en-venezuela/) - [Comprar Monero en Chile](https://fiat.monerop2p.app/es/comprar-monero-en-chile/) - [Comprar Monero en Brasil](https://fiat.monerop2p.app/es/comprar-monero-en-brasil/) - [Comprar Monero en España](https://fiat.monerop2p.app/es/comprar-monero-en-espana/) - [Comprar Monero en Estados Unidos](https://fiat.monerop2p.app/es/comprar-monero-en-estados-unidos/) ## FAQ ### Do I need KYC, an email or a phone number? No. Your account is a key created in your browser and protected with a password. You only choose a nickname. Download the backup file: without it and the password the account cannot be recovered. ### Who holds the Monero during the order? Nobody on their own. When the order opens, a 2-of-3 Monero multisig escrow is created between buyer, seller and arbiter. Moving the XMR needs two of the three keys: normally seller and buyer on release; the arbiter only steps in if there is an appeal. ### How much does it cost? Buying is free. The seller pays 0.5% of the amount in XMR, plus the Monero network fee (cents). Each advertiser sets their own price, usually as a percentage over the market price. ### How much can I buy or sell? Up to the equivalent of 1000 USD per order and 3 open orders at a time. Each ad also has its own minimum and maximum. ### When do I pay? What if the seller does not deposit? You pay only when the app says the XMR is locked in the escrow (after 10 confirmations, about 20 minutes). If the seller does not deposit within 30 minutes, the order cancels itself and you lose nothing. A seller who misses 2 deposits in 24 hours gets their ads paused. ### I paid and the seller does not release. What do I do? 15 minutes after marking “I have paid” you can open an appeal. Support reviews the chat and the proofs and signs with its key and yours to send you the XMR, or with the seller's to return it if there was no payment. ### What if the buyer does not pay? Each ad sets a payment window (between 15 and 120 minutes). If it expires without the buyer marking the payment, the XMR goes back to the seller. ### Do I need a Monero wallet? Yes. Buyers enter the address where they will receive the XMR; sellers deposit from their wallet and enter a refund address. Feather, Cake Wallet, Monero GUI or any Monero wallet will do. ### Why do some methods show ⚠? Because the payment can be reversed after the seller releases (PayPal, Mercado Pago, Revolut, cards). Monero cannot be reversed, so the seller bears the risk. Sellers can require a minimum number of completed orders for those methods. ### Why can't I take some ads? Because the advertiser is not online. You can only take ads from people active in the last 10 minutes, so the order does not get stuck waiting. ### Who can read the chat? The chat is end-to-end encrypted between buyer, seller and support. Support can read it only to resolve appeals. ### Is it legal? It depends on your country. You are responsible for complying with its laws, including taxes. Crypto transactions are irreversible and the price is volatile. ## Optional - Methods covered: SPEI, OXXO, Mercado Pago, Nequi, Daviplata, Bancolombia, Pix, Transferencia CBU/CVU, Yape, Plin, Pago Móvil, Zelle, SEPA, Revolut, Wise, PayPal, Efectivo en persona, Interac e-Transfer, UPI. - Countries covered: Mexico, Colombia, Argentina, Peru, Venezuela, Chile, Brazil, Spain, United States. - Sitemap: https://fiat.monerop2p.app/sitemap.xml