global payment network

Trade crypto using the payment methods people already use.

Middn connects stablecoin settlement with local payment rails around the world — so a buyer in Bangkok and a seller in Paris can trade with the apps they already trust.

200+payment methods

100+countries

6rail categories

0%platform fee

Bank transfers Fintech apps Mobile money Wallet transfers Gift cards Cash deposit

Six rails, one settlement layer

200+ methods · grouped

Bank Transfers

48 methods

SEPASEPA InstantFPSACHSWIFT

Fintech Apps

52 methods

WiseRevolutPayPalCash AppSkrill

Mobile Money

34 methods

PromptPayGCashM-PesaMoMo

Wallet Transfers

29 methods

Apple PayGoogle PayVenmoZelle

Gift Cards

26 methods

PaysafecardAppleAmazonSteamNeosurf

Cash Deposit

19 methods

Bank cash-inATM depositCash by mail

Find what works in your country

100+ countries

Risk & protection center

know before you trade

MethodChargebackFraudSettlementProtection

SEPA / SEPA Instant

Low Low Instant–2h Strong

PayPal

High Medium Instant Weak for sellers

Wise / Revolut

Low Low Instant Moderate

PromptPay / Mobile money

Very Low Low Instant Strong

Gift Cards

Very Low Medium Instant Code-proof

SWIFT / Wire

Very Low Low 1–3 days Strong

Levels are indicative and vary by region, seller history and amount. Middn surfaces the risk profile on every offer before you commit.

How to stay safe

per-rail playbook

PayPal

High chargeback risk

Common scamBuyer pays as “Goods & Services” then opens a dispute to claw funds back after release.

Best practiceRequire “Friends & Family” + matching name. Screenshot the transaction ID.

Release whenFunds show as cleared, not “pending”, in your own account.

ProofTransaction ID, sender name, timestamp.

Gift Cards

Very low chargeback · medium fraud

Common scamBuyer sends a used or pre-drained code, or a photo of a card they still hold.

Best practiceVerify the full code & balance on the official site before releasing.

Release whenBalance is confirmed and redeemed to your account.

ProofRedemption confirmation, balance screenshot.

Bank Transfers

Low risk

Common scamFake “payment sent” screenshots or reversed instant transfers.

Best practiceOnly trust money landed in your account — never a screenshot.

Release whenThe exact amount + reference appears in your statement.

ProofBank statement line, IBAN, reference code.

Mobile Money

Very low chargeback

Common scamBuyer requests a reversal claiming “wrong number” after you release.

Best practiceConfirm the sender's registered name matches the Middn profile.

Release whenYou receive the official SMS/app confirmation of credit.

ProofProvider confirmation message, sender number.

Read the full P2P scam-protection guideCommon scams decoded · red flags · golden rules · pre-release checklist →

Escrow protection flow

every trade, every rail

Choose method

Pick the payment rail you both accept.

buyer

Vault reserves

Seller's USDC is locked in escrow on-chain.

on-chain

Details revealed

Payment instructions unlock for the buyer.

middn

Buyer pays

Fiat is sent directly, off-chain, to the seller.

peer-to-peer

Seller verifies

Confirms the funds actually landed.

seller

Crypto released

Escrow releases USDC to the buyer. Final.

on-chain

If something goes wrong: either side can open a dispute. Funds stay locked while a neutral 2-of-3 panel reviews the evidence against the agreed terms — no one can move escrow alone.

Seller intelligence

how pros operate

Vault balances

Keep liquidity locked and ready so offers fill instantly and buyers trust the depth.

Method selection

Offer only the rails you can verify fast — favouring low-chargeback, instant settlement.

Reputation

Rating, completion rate and volume compound into better placement and bigger deals.

Risk controls

Set KYC, no-VPN, region and amount limits per offer to filter out risky counterparties.

Private deal rooms

Run large or recurring trades off the public floor with vetted, invited counterparties.

Why Middn is different

traditional P2P vs Middn

CapabilityTraditional P2PMiddn

Escrow Manual or platform-held Non-custodial, on-chain

Vault-backed liquidity Promised, not proven Locked & verifiable

Risk visibility Hidden until it's too late Scored on every offer

Disputes Single moderator Neutral 2-of-3 panel

Payment intelligence None Risk + speed per rail

Seller tools Basic listings Analytics, limits, deal rooms

Find the best payment method for your country.

200+ rails, escrow-protected, scored for risk. Trade with the apps you already use.

Explore market → Browse countries Become a seller