Buy crypto with USD via P2P
Trade stablecoins peer-to-peer. Escrow is locked on Solana before you pay; OpenFiat never holds your fiat.
Buying crypto with fiat? How to buy →·Cashing out to fiat? How to sell →
Reading the advertisement book…
Buy crypto with USD in 3 steps
Your crypto is locked before you send a single USD. Here is the whole sequence.
Step 1: Pick an advertiser
Compare price, limits and reputation in the crypto/USD book above, then open the order form on the row you want. Nothing is committed until you confirm.
Step 2: Send the USD
The crypto locks in escrow before you pay anything. Send the USD using the details shown, then mark it paid — with your receipt attached, which is what an arbitrator reads if it goes wrong.
Step 3: Receive the crypto
The merchant confirms the money arrived and escrow releases to your wallet. If they do not confirm, you open a dispute and staked arbitrators decide it.
What is different here
Lower fees and 24/7 trading are true of every peer-to-peer desk. These are the things a centralised exchange cannot say.
- Nobody holds your fiat
- The money goes straight from your account to your counterparty's. There is no platform balance to freeze, and no company between you that could fail while holding it.
- Escrow is a program, not a promise
- The crypto sits in a Solana escrow program that releases on the outcome. Not on an operator's decision, and not on ours — we could not release it early if we wanted to.
- Merchants have something to lose
- Every advertiser has bonded OPEN that a lost dispute can slash, and eight reputation dimensions that move on every trade. That is what stands behind a stranger, in place of a company's guarantee.
- Disputes are decided by staked strangers
- Independent arbitrators stake OPEN to join a case, review evidence they cannot see until they commit, and vote by commit-and-reveal. No support queue, and no operator with a final say.
- Local rails, including cash
- Mobile money, instant bank transfer and the payment apps people actually use, in every country — plus cash, which works where nothing electronic does.
- Nobody can shut a market
- The order book lives on a peer-to-peer network, not on a server we own. There is no operator to lean on and no jurisdiction that switches it off.