P2P · market reference
P2P price premium: compare an offer with a reference, not a promise
A P2P price premium is the difference between an offer and a chosen public reference. It can reflect payment-method demand, settlement risk, local liquidity and limits; it is not a guaranteed arbitrage opportunity.
Choose a transparent reference
A public spot and FX reference can frame a comparison, but it is not a live P2P advertisement. Check when it was generated and what sources it uses.
Explain the difference before acting
A premium may compensate for faster settlement, a payment method, counterparty constraints or withdrawal needs. Compare like-for-like rather than treating every difference as profit.
Respect freshness
Market references can become stale during volatility or data-source outages. If freshness is missing, use the scanner as an educational tool rather than a pricing signal.
Before you act
- Check the reference timestamp and methodology before comparing offers.
- Compare the same asset, fiat currency, payment method and amount range.
- Include transfer, withdrawal and conversion costs in the final comparison.
- Do not treat a displayed premium as a promise of executable profit.
Questions this page answers
Is a P2P premium the same as arbitrage profit?
No. It is a price difference before execution costs, counterparty conditions, time and settlement risk.
Why can two P2P offers differ greatly?
Payment method, trade size, local liquidity, counterparty conditions and risk tolerance can each affect the offer.
Methodology and limits
Where available, the optional reference panel uses MyCoinWay's public P2P index, built from public USDT/USDC spot order books and open USD FX reference rates. It is not a P2P order book and is hidden when stale.
- MyCoinWay Public P2P Price Index methodology and freshness status.
- Exchange P2P screens provide the actual offer terms that must be checked before a trade.