How to use HTX P2P

Step by step

1. Have a verified account first

   P2P sits behind the same account and identity check as the rest of the platform — most venues will not let an unverified account trade with strangers. The account-opening guide linked below covers that part.

2. Open the P2P section and pick a direction

   Choose buy or sell, then the asset and your local currency. The listing screen shows counterparties with their prices, limits and completion rates — the rate history matters more than the best headline price.

3. Filter by payment method

   When a P2P order is placed, HTX automatically locks the seller's digital assets and sends the crypto to the buyer's fiat account once the seller confirms receipt of payment. Filter the listing to the method you actually hold — chasing an unfamiliar payment app for a better price is how most P2P mistakes start. ACH bank transfer is the dominant deposit rail; the ACH Network connects essentially all US bank accounts and is operated by the Federal Reserve's FedACH and The Clearing House's EPN.

4. Place the order — escrow takes over

   When a P2P order is placed, HTX automatically locks the seller's digital assets and sends the crypto to the buyer's fiat account once the seller confirms receipt of payment. That sentence is the platform's own description, cited below.

5. Pay exactly as instructed, then confirm

   Send the payment through the agreed method, mark it as paid, and wait for the counterparty's confirmation to release the crypto. Never release or confirm outside the platform's own flow — the escrow only protects the trade it can see.