Questions people actually ask

Type the dollar amount you want to spend, pick a coin, and pick the payment app you want to pay from. Swapp matches you with a seller, shows you the rate and fee up front, and gives you their handle plus a short reference note. You send the money in your own payment app exactly as you normally would, tap 'I've sent the payment', and the crypto is released to your wallet once the payment is confirmed.

They can't hold it back. The seller's crypto is locked in escrow before you are ever shown their payment handle, and it is released by the protocol against a proof of your payment, not by the seller pressing a button. If a payment is confirmed and the release fails, the trade is settled from escrow in your favour.

Every trade has a 15 minute payment window. If you paid inside the window but the confirmation arrived late, open the trade from your Activity page and raise it from there, the payment reference on the order is all that's needed to match your transfer and settle it. Don't send a second payment.

The payment confirmation is turned into a zero-knowledge proof. In plain English: your payment app confirms that a payment of the right amount, with the right reference, reached the right person, and only that fact is shared. Your balance, your transaction history, and your account details are never revealed to the seller or to Swapp.

You are paying through an app that already verified who you are when you opened your account. Swapp doesn't need to repeat that check because it never takes custody of your money, the cash goes directly from you to the seller, person to person.

Every offer shows the seller's completed trade count, their average release time, and the limits they trade within. Sellers with a poor record fall down the list, and their crypto is escrowed regardless, so a bad actor can lose their collateral but cannot take your money.

Swapp's own fee is 0.5% on a cash buy or cash out and 0.25% on an in-app swap (0.35% if it crosses chains). All in, including the seller's rate and the protocol fee, a cash buy or cash out typically costs about 1% to 1.5%, and a swap about 0.3% to 0.6%. The full number is shown before you commit, with no hidden spread and no withdrawal fee. Card and exchange on-ramps usually charge 3.5% to 5%.

You can buy USDC, USDT, ETH and WBTC with cash, on Base, Ethereum, Arbitrum or Polygon. Base is the default because it settles in seconds and costs pennies. Inside the app you can then swap into a curated list of verified tokens, we deliberately don't let you swap into an arbitrary contract address.

No. Signing up with an email creates a wallet for you in the background, and the address works on every supported network. If you already have a wallet you can connect it instead and Swapp will deliver straight there.

Yes. Sell works the same way in reverse: send crypto, and the buyer pays you in Venmo, Cash App, Zelle, Revolut or Wise. If you're holding a coin that sellers don't quote against, swap it to USDC in the app first and then cash out.