Harv-X
Exchange currencies between people, with USDT collateral.
An international market: each country with its local methods, and Harv-X at the center securing the trade with USDT escrow.
0.4 USDT per party · 0.8 USDT per trade · no hidden %
Trust and rules
Identity
KYC to publish
Profile verification before creating ads and trading with collateral.
Escrow
Bilateral USDT bond
Maker and taker both lock. Release only after both confirm.
Pricing
0.4 USDT per party
Fixed fee on completion. No hidden spreads or % of fiat.
Disputes
Human moderation
Evidence and review — not only an automatic timeout.
Live rates
Corridors with public mid rates.
Mid-market reference by region across Maghreb, MENA, Africa, the Americas and Asia. P2P price is set by ads; USDT only secures the trade.
- Pairs
- 75
- Destinations
- 100
- With rate
- …
Public mid-market reference. Not the final P2P rate and not a Harv-X offer.
View market →Calculator
What it costs to exchange — in clear numbers.
Market reference and estimated USDT collateral. The final P2P rate is set by peer ads.
Fixed fee: 0.4 USDT per party (0.8 per trade)
- Reference rate
- …
- They get (reference)
- —
- Estimated traditional FX
- —
- Estimated USDT collateral
- —
The reference is not the P2P price. On Harv-X peers set the rate; USDT only secures the trade. Fee is charged when the trade completes.
Market now
Best P2P prices
Compare live Harv-X ads with the market reference and traditional FX.
EUR / MAD
No active ads
—
Best P2P offer
—
Public mid rate
—
Markup ~3%
—
USD / MAD
No active ads
—
Best P2P offer
—
Public mid rate
—
Markup ~3%
—
GBP / MAD
No active ads
—
Best P2P offer
—
Public mid rate
—
Markup ~3%
—
EUR / USD
No active ads
—
Best P2P offer
—
Public mid rate
—
Markup ~3%
—
USD / EUR
No active ads
—
Best P2P offer
—
Public mid rate
—
Markup ~3%
—
USD / NGN
No active ads
—
Best P2P offer
—
Public mid rate
—
Markup ~3%
—
EUR / NGN
No active ads
—
Best P2P offer
—
Public mid rate
—
Markup ~3%
—
USD / TRY
No active ads
—
Best P2P offer
—
Public mid rate
—
Markup ~3%
—
EUR / TRY
No active ads
—
Best P2P offer
—
Public mid rate
—
Markup ~3%
—
USD / MXN
No active ads
—
Best P2P offer
—
Public mid rate
—
Markup ~3%
—
USD / INR
No active ads
—
Best P2P offer
—
Public mid rate
—
Markup ~3%
—
GBP / USD
No active ads
—
Best P2P offer
—
Public mid rate
—
Markup ~3%
—
The reference uses the public mid rate. Traditional FX includes an estimated ~3% markup. P2P edge is calculated on 1,000 units of the base currency when a live offer exists.
Reach
Destinations with local methods
100 countries and territories. Local currency and method count. Pick a destination to filter the market.
- BelgiumEUR · 5
- FranceEUR · 8
- GermanyEUR · 6
- ItalyEUR · 5
- MoroccoMAD · 20
- NetherlandsEUR · 5
- PortugalEUR · 6
- SpainEUR · 10
- United Arab EmiratesAED · 5
- United KingdomGBP · 8
- United StatesUSD · 7
- AndorraEUR · 3
- ArgentinaARS · 4
- AustraliaAUD · 7
- AustriaEUR · 3
- BangladeshBDT · 3
- BotswanaBWP · 3
- BrazilBRL · 6
- British Virgin IslandsUSD · 2
- BulgariaBGN · 3
- CanadaCAD · 5
- ChileCLP · 4
- ChinaCNY · 4
- ColombiaCOP · 4
- Costa RicaCRC · 3
- CroatiaEUR · 3
- CyprusEUR · 3
- CzechiaCZK · 3
- DenmarkDKK · 3
- EcuadorUSD · 3
- EgyptEGP · 9
- El SalvadorUSD · 3
- EstoniaEUR · 3
- FijiFJD · 3
- FinlandEUR · 4
- GeorgiaGEL · 3
- GhanaGHS · 5
- GibraltarGIP · 2
- GreeceEUR · 4
- GuadeloupeEUR · 2
Why Harv-X
Cheaper than remittances. Clearer than an exchange.
Fiat person to person. USDT only as collateral. No need to buy crypto just to send money.
Real FX
You exchange currencies, not tokens
EUR, MAD, NGN, TRY… move via Bizum, bank transfer or Mobile Money between the two parties.
Escrow
USDT is the bond
We don’t sell USDT. You lock collateral; it unlocks when both sides confirm the fiat.
Fixed fee
0.4 USDT per party
No hidden spreads or percentage of the amount. You know the cost before you trade.
Access
Anyone with USDT can join
A global market of local pairs: you pick the country’s method, Harv-X holds the bond.
Payments
Methods by how and where you pay
We prioritize banks and local methods for your country…
Digital
Most used in Spain- TS
Transferencia SEPA
EUR
- RE
Revolut
EUR · USD · GBP
- WI
Wise
EUR · USD · GBP · MAD · TRY · NGN
- PA
PayPal
EUR · USD · GBP
- N2
N26
EUR
- PA
Paysend
EUR · USD · GBP
- WO
WorldRemit
EUR · USD · GBP · MAD · NGN · KES
- RE
Remitly
EUR · USD · GBP · MAD
- WU
Western Union
EUR · USD · GBP · MAD · TRY · NGN
- MO
MoneyGram
EUR · USD · GBP · MAD · TRY · NGN
- SK
Skrill
EUR · USD · GBP · MAD · TRY
- NE
Neteller
EUR · USD · GBP · MAD
- PA
Payoneer
EUR · USD · GBP
- AI
AirTM
EUR · USD · GBP
- PM
Perfect Money
EUR · USD
- AD
Advcash
EUR · USD
- JE
Jeton
EUR · USD · TRY · MAD
- EC
ecoPayz
EUR · USD · GBP
- MU
MuchBetter
EUR · USD · GBP
- WE
WebMoney
EUR · USD
- PA
Paysera
EUR · USD · GBP
- ZE
ZEN
EUR · USD · GBP · PLN
- PA
Paytend
EUR · USD
- FA
Fastoo
EUR · USD
- BU
Bunq
EUR
- VM
Vivid Money
EUR
- SI
SEPA Instant
EUR
- S/
SWIFT / Wire internacional
EUR · USD · GBP
Local by country
EUR- BI
Bizum
ES · EUR
- TB
Transferencia bancaria
ES · EUR
- S/
SEPA / SEPA Instant
ES · EUR
- IN
ING
ES · EUR
- BB
BBVA
ES · EUR
- SA
Santander
ES · EUR
- CA
CaixaBank
ES · EUR
- BS
Banco Sabadell
ES · EUR
- UN
Unicaja
ES · EUR
- OP
Openbank
ES · EUR
Flow
How Harv-X works
A P2P market for real currencies. USDT is not bought or sold here — it only secures the trade.
Step 1 of 4
Wallet · 1
Deposit USDT
Crypto is only collateral. You fund guarantee liquidity in your Harv-X wallet.
Bilateral collateral
Both lock in. No one trades without skin in the game.
The maker reserves the ad max in USDT from a public quote. The taker locks their order amount. If someone defaults, collateral is held until the dispute is resolved.
Posts · 1
Maker
Posts the ad and locks the max. Example: 2,900 EUR ≈ ….
Accepts · 2
Taker
Picks an amount in range and locks exactly the USDT equivalent of that amount.
Unlocks · 3
Release
After confirming fiat receipt, collateral is unlocked for both parties (minus the fixed fee).
Fee: 0.4 USDT per party (0.8 USDT per trade). No spreads.
Reputation
Trust is earned trade by trade.
After each completed trade you can rate the other party. Recent history and public profiles help you choose who to trade with.
Post-trade rating
Positive or negative feedback only after the trade closes. No bought or free-floating anonymous reviews.
30-day history
Completions, close rate and positive ratio show on the market once there is enough activity.
Public profile
Each verified user can have a P2P profile with metrics and moderatable reviews.
Disputes
If something goes wrong, there is moderation.
We don’t rely on a timeout alone. You can submit evidence; the team reviews and resolves with clear rules.
01
Evidence
Screenshots, payment references and trade messages to document what happened.
02
Review
Human moderation of the case — not just a clock that unlocks or punishes blindly.
03
Resolution
USDT collateral is released or reassigned based on the outcome. Both parties see the close.
Get started
Deposit USDT. Post or accept.
Crypto is only the collateral. Fiat moves between people with the method you choose.
Fixed fee 0.4 USDT per party (0.8 per trade).