Условия использования Р2Р Маркета

Wallet Peer-to-Peer (P2P)

1. Wallet Peer-to-Peer

These Terms of Use (“ToU” “P2P Terms”) form a binding legal agreement between Wallet P2P market (“we”, “us”, or “our”) and you (“you”, “User”). These ToU govern your use of Wallet integrated utility Wallet P2P available at a designated section within Wallet at https://t.me/wallet.

By using Wallet P2P you acknowledge that you have read, understood and accepted all P2P Terms.

2. Overview of Wallet P2P

2.1. Wallet P2P is a platform that allows users to directly trade digital assets supported by the Wallet P2P which may be transferred and stored electronically using distributed ledger technology including, but not limited to, cryptocurrencies (“Digital Assets”) with other users where one party (“Seller”) undertakes to transfer ownership of Digital Assets to the other party (“Buyer”) at a defined price and the Buyer undertakes to accept Digital Assets and pay a known amount of fiat currency (“Fiat consideration”) for Digital Assets. The basis for the transaction is the implicative actions of the Seller and the Buyer. You may trade on Wallet P2P to buy or sell Digital Assets as Buyer or Seller.

2.2. We are not a party to any transaction that you may enter into on Wallet P2P as you will be directly trading with other users.

2.3. Wallet P2P is not a payment processor, bank, payment institution, internet acquiring or money services business.

2.4. The access to Wallet P2P is provided without any express or implied warranties, in particular, without the implied warranties of merchantability and fitness for a particular purpose. There is no guarantee that access to Wallet P2P will not be interrupted or that there will be no delays, failures, errors, omissions or loss of transmitted information, including through the fault of third parties.

2.5. For purposes of these P2P Terms:

“Payment Method” means the specific fiat payment channel and financial institution type selected in an Advertisement or Offering (for example: T-Bank transfer, SEPA bank transfer, Faster Payments, card-to-card, mobile wallet, etc.).

“Payment Account” or “Payment Account Details” means the specific receiving account identifier (e.g., account number, IBAN, card number, phone-linked account) actually used to receive the Fiat Consideration and which is registered in the User’s verified (KYC) name. The Payment Account used in a transaction must correspond to the Payment Method selected in the relevant Advertisement or Offering. Providing account details associated with a different institution or payment channel is a breach of these P2P Terms.

“Service Fee” means the fee charged by us on a completed P2P transaction, payable by the User who created the relevant Advertisement or Offering. The applicable fee rate is displayed in the interface when User create or edit an Advertisement/Offering and may change from time to time.

3. Market rules

3.1. You may use only the Wallet account that belongs to you to participate in Wallet P2P. Only use payment methods registered in your name, which matches your Wallet account. Third-party payments are prohibited on Wallet P2P.

3.2. All communications regarding the use of Wallet P2P must be carried out only in chat related to a certain transaction in compliance with business etiquette. If you fail to comply with this clause certain sanctions may be applied to you.

3.3. It is prohibited to advertise goods and services, as well as mention the names of third-party services in Advertisements and in the transaction chat.

3.4. You must not add or change Advertisements conditions, provide, request, or exchange personal contact details or other personal data with a counterparty in the transaction chat, except to the limited extent strictly required to complete the transaction. Wallet may automatically display your KYC-verified first name and first letter of your surname to the counterparty solely for payment-matching and fraud-prevention purposes (see clause 3.11). Do not disclose any additional personal information in the transaction chat.

3.5. It is prohibited to use expressions and words in the transaction chat that may mislead other users to think of you as a representative of the Wallet P2P (Admin, Moderator, Wallet, etc.).

3.6. It is prohibited to use the technical features of the Wallet P2P for fraudulent purposes, for the purpose of unjust enrichment and other types of use that violate the rights of other users and Wallet P2P.

3.7. Accuracy of Payment Method and Payment Account Details. When you (as Seller) select a Payment Method in an Advertisement or Offering, you must provide Payment Account Details that (i) correspond to that same Payment Method/financial institution, (ii) are registered in your own verified (KYC) name, and (iii) are valid to receive Fiat Consideration without requiring the Buyer to route the transfer through an undisclosed bank or intermediary. Providing Payment Account Details that belong to, are primarily serviced by, or settle through a different bank or payment channel than the Payment Method selected is prohibited and constitutes a breach of these P2P Terms.

Multi-linked accounts. If the selected Payment Method can route to multiple underlying accounts (for example, a phone alias that may be linked to more than one bank), you represent and warrant that the specific Payment Account displayed in the Order is under your control and suitable for receiving the transfer. You must ensure that the Buyer will not incur unexpected interbank, cross-border, currency conversion, or correspondent charges beyond those disclosed in advance.

Error resolution. If, despite the above, the Buyer sends funds to an incorrect or differently routed account due to inaccurate or misleading Payment Account Details you provided, you agree to promptly cooperate in facilitating the return of the Fiat Consideration and to bear any related costs not previously disclosed to the Buyer.

3.8. You acknowledge that we may at our sole discretion take certain actions, including limiting, suspending, or terminating your access to Wallet P2P or lock Digital Assets for a certain period in your account.

3.9. Our decision to take certain actions, including limiting, suspending, or terminating your access to Wallet P2P or lock Digital Assets may be based on confidential criteria that are essential to our risk management and security protocols, including but not limited to circumstances in which we are unable to provide you with information about the reasons for such limitation, suspension, termination or blockage whilst an investigation is ongoing (by us and/or a third party such as the police). You agree that we are under no obligation to disclose the details of our risk management and security procedures to you.

3.10. It is prohibited to use automated teller machines (ATMs) and/or any physical, in-person exchange of cash as a means of payment or settlement for transactions on Wallet P2P. All fiat transfers must be completed only through electronic payment methods as indicated in the relevant Advertisement or Offering.

3.11. To facilitate secure P2P transactions and confirm that the name on a payment account matches the name of the trading party, you consent to Wallet disclosing your KYC-verified first name and first letter of your surname to your counterparty. Such disclosure is limited to transaction validation and fraud prevention. We process personal data in accordance with our Privacy Policy and do not share your data for other purposes except as set out therein.

4. Sale of Digital Assets

4.1. As a Seller, you may publish an offer on Wallet P2P to sell Digital Assets (“Advertisement”) or you may accept an offer of the Buyer published on Wallet P2P (“Offering”).

4.2 In order to place an Advertisement, you must indicate the following details:

i. The kind of Digital Asset you would like to sell;

ii. The amount of Digital Assets that you would like to sell;

iii. The price at which you would like to sell your Digital Assets. You can choose to apply either floating price which is set as a percent in relation to current market price or fixed price;

iv. The Payment Method via which the Buyer shall send Fiat Consideration for the Digital Assets. The Payment Account Details auto-displayed to the Buyer in the Order must correspond to the Payment Method selected and must be registered in your verified (KYC) name. You must not provide alternative or conflicting payment details (including in comments or chat) that route to a different financial institution or payment channel.

v. Other applicable terms and conditions for your Advertisement. You may choose to insert a comment to Advertisement which must be in compliance with this ToU.

a. Once your Advertisement is accepted by the Buyer the terms of the transaction cannot be amended. The Advertisement is considered accepted once the Buyer sends the request with the indication of the amount of Digital Assets the Buyer intends to buy (“Order”) and the Seller confirms the Order.

b. If the Seller does not respond to the Buyer’s Order more than 5 (five) times the Advertisement will be removed. If the Seller does not respond to the Buyer’s Order upon creation of the new Advertisement the access of the Seller to the Wallet P2P will be blocked.

c. Payment details of the Seller will become available to the Buyer only upon confirmation of the Order. It is prohibited to insert payment details in a comment section of the Advertisement.

d. Seller must confirm receipt of Fiat consideration by pressing “Confirmed” in the designated section within Wallet P2P and release Digital Assets to the Buyer. Once Digital Assets are released to the Buyer it is impossible to cancel the transaction. You are solely responsible for verifying the Fiat Consideration transfer made by the Buyer in consideration of the Digital Assets. To simplify verification, the Seller will receive the receipt from the Buyer, confirming the fiat consideration transfer.

4.3. In order to accept Buyer’s Offering:

a. The Seller needs to select the Offering within the designated section on Wallet P2P. The Seller will then be required to indicate the amount of Digital Assets to sell and confirm the sale by clicking on the “sell” button. The payment details will become automatically available to the Buyer. By clicking on the “sell” button Seller confirms that he accepted terms and conditions of the Offering. The Offering will be considered accepted once the Buyer confirms the purchase via the Offering.

b. The Seller shall wait for the receipt of the Fiat consideration to the provided payment details. The Seller is solely responsible for verifying the Fiat Consideration transfer made by the Buyer for the Digital Assets. To simplify verification, the Seller will receive the receipt from the Buyer, confirming the fiat consideration transfer.

c. Seller must confirm receipt of Fiat consideration by pressing “Confirmed” in the designated section within Wallet P2P and release Digital Assets to the Buyer. Once Digital Assets are released to the Buyer it is impossible to cancel the transaction.

4.4. In consideration for the use of Wallet P2P, we charge a Service Fee on each completed transaction. The fee is payable by the User who created the relevant Advertisement. The applicable fee rate is displayed in the interface when you create or edit an Advertisement and may be changed by us at any time in our sole discretion.

If you create an Advertisement to sell Digital Assets: the P2P Service Fee is deducted from the Digital Assets released when the transaction completes.
If you create an Advertisement to buy Digital Assets: the P2P Service Fee is added on top of the amount of Digital Assets you indicate you wish to receive. As a result, the Order display may show a higher Digital Asset amount to the counterparty so that, after deduction of the fee, you receive the amount you specified. Historical transactions may reflect prior fee treatment. Current fee information is always shown in the interface before you publish an Advertisement.

4.5. You understand and agree that once your Advertisement is accepted by the Buyer or the Buyer confirms the purchase of Digital Assets via the Offering, the amount of Digital Assets indicated in the Order will be locked. You understand that the locked amount of Digital Assets cannot be used in any way whatsoever unless the Order is cancelled, Offering revoked, transaction is otherwise cancelled by the Parties or the Digital Assets are released to the Buyer upon confirmation of the Fiat Currency transfer by both the Buyer and the Seller.

5. Acquisition of Digital Assets

5.1. As a Buyer, you may accept Advertisement or you can create an Offering.

5.2. In order to buy Digital Assets via Advertisement

a. The Buyer must indicate the required amount of Digital Assets within the limits indicated in the Advertisement and create an Order which is subject to acceptance by the Seller. By creating the Order you accept all terms and conditions of the Advertisement. The Buyer must get acquainted with the comments section of the Advertisement.

b. Once the Order is accepted by the Seller, the Buyer shall send the amount of Fiat Consideration corresponding in value to the amount of Digital Assets indicated in the Order at the rate indicated in the Advertisement (see fee and refund allocation in clause 5.2(i)), and the Buyer must send Fiat Consideration only using the Payment Method and the exact Payment Account Details displayed in the Order, via the Payment Method indicated in the Advertisement. Those Payment Account Details will become available to the Buyer upon confirmation of the Order.

c. The Buyer shall not send Fiat consideration to the payment details indicated in a comment section of the Advertisement which may result in a loss of funds with no possibility to recover.

d. If the Parties agree to cancel the transaction, the Buyer may request the Seller to return the amount of Fiat Consideration to the original payment account from which the Buyer made the transfer, subject to the fee rules in clause 5.2(i). Refund requests to any other account may be rejected and may constitute a breach of these P2P Terms.

e. The Buyer must send the Fiat consideration in one instalment via the payment method specified in the Advertisement and using the payment details which became available upon confirmation of the Order. To verify the transfer of the Fiat consideration, the Buyer is required to upload a receipt confirming the transaction, which will then be shared with the Seller.

f. The amount of Fiat consideration must match the amount stated in the Order, and may be without decimal places if the Seller has indicated so in the Advertisement.

g. Once Fiat consideration is sent to the Seller the Buyer must mark the transaction as sent within the designated section of the Wallet P2P before the timeout occurs. Otherwise the Digital Assets of the Seller will be unlocked and the transaction will be cancelled which may result in non-receival of Digital Assets by the Buyer and the loss of the amount of Fiat consideration by the Buyer.

h. The Buyer understands that the cancellation of transaction upon transfer of Fiat consideration may result in failure to receive Digital Assets by the Buyer and the loss of the amount of Fiat consideration by the Buyer.

i. Bank or payment-system fees associated with sending Fiat Consideration are borne by the Buyer only if (i) the fee amount/percentage was clearly displayed before or at payment; (ii) such fees are customary and reasonably foreseeable for the Payment Method selected.

j. The Seller is responsible for any bank, intermediary, or payment-system charges that (i) were not visible to the Buyer when payment was made; (ii) were deducted without prior notice; (iii) result from the Seller providing Payment Account Details that do not correspond to the Payment Method selected; The Seller must absorb such charges or reimburse the Buyer for any shortfall.

k. Fiat Consideration may be refunded only to the original payment account from which the Buyer made the transfer. Requests to refund to a different account breach these P2P Terms. All refund-related costs (including bank, payment-system, currency conversion, and transfer costs) are borne by the Buyer unless required otherwise by applicable law or expressly agreed by us.

l. Providing Payment Account Details that route to a different institution or channel than the Payment Method selected in the Advertisement or Order is a breach of these P2P Terms and may result in cancellation of the transaction, reversal, sanctions, restriction of access to Wallet P2P or all Wallet services, or (where applicable) removal of Trusted Merchant status.

5.3. In order to buy Digital Assets by placing an Offering:

a. The Buyer must create an Offering on Wallet P2P and indicate the following details:

i. The kind of Digital Asset you would like to buy;

ii. The amount of Digital Assets that you would like to buy;

iii. The price at which you would like to buy Digital Assets. You can choose either a floating price which is set as a percent in relation to current market price or fixed price;

iv. The payment method and other applicable terms and conditions for your Offering.

b. Once the Offering is published on Wallet P2P, the Sellers will be able to submit their requests with the indication of the (a) amount of Digital Assets for sale; or (b) fiat currency equivalent of the amount of Digital Assets for sale, subject to terms and conditions of the Offering indicated in clause 5.3(a).

c. Once the Buyer accepts the Seller’s request he shall transfer the amount of Fiat consideration in accordance with clauses 5.2(b) - (L) to the payment details provided upon submission of the request via the Offering.

d. To verify the transfer of the Fiat consideration, the Buyer is required to upload a receipt confirming the transaction, which will then be shared with the Seller.

e. The Buyer will receive Digital Assets once the Seller confirms the receipt of Fiat consideration.

f. A Service Fee applies to completed transactions and is payable by the User who created the Offering. If you create an Offering to buy Digital Assets, the fee will be added on top of the Digital Asset amount you specify so that, after the fee is deducted, you receive the amount you intended. If you create an Offering to sell Digital Assets, the fee will be deducted from the Digital Assets you release when the transaction completes. The applicable fee rate is shown in the interface when you create or edit an Offering and may change from time to time.

g. If the Buyer does not respond to the Seller’s request more than 3 (three) times the Offering will be deactivated. If the Buyer continues to not respond to the Seller’s requests upon creation of the new Offering the Buyer’s ability to create new Offering on the Wallet P2P may be restricted.

6. Trusted Merchants.

a. Users with substantial trading activity and high order completion rates on Wallet P2P may be granted "Trusted Merchant" status, offering certain advantages. Refer to the FAQ for eligibility and application.

b. Granting of Trusted Merchant status is at our sole discretion; meeting criteria doesn't guarantee status. We reserve the right to revoke it at any time.

c. Trusted Merchant status doesn't imply endorsement, guarantee, representation, or obligation from us. Users remain solely responsible for their actions and must comply with these Terms.

6.1. Trusted Merchants are strictly prohibited from:

а. Advertising themselves as official representatives, agents, or partners of Wallet P2P.

b. Using Wallet’s brand, name, or logo without explicit authorization.

c. Violation may result in immediate revocation of Trusted Merchant status and other sanctions (see section 6.4).

6.2. Minimum Eligibility Criteria

A User may apply for Trusted Merchant status only if the following conditions are satisfied:

a. Identity Verification. The User has successfully completed advanced identity verification ( Extended or higher) and provided all information and documents requested by Wallet.

b. Compliance Standing. The User’s Wallet P2P account is in good standing, with no material rule violations, outstanding complaints, or active restrictions.

c. Guarantee Deposit. The User has placed the guarantee deposit required under clause 6.3.

Quantitative thresholds—such as minimum trading volume or order-completion rate—are set out in the FAQ and may be updated by Wallet at any time without prior notice. Satisfying those thresholds does not oblige Wallet to grant, renew, or reinstate Trusted Merchant status.

6.3. Trusted Merchant Obligations and Conduct

Trusted Merchants must uphold a high standard of integrity, responsibility, and compliance. In addition to general user obligations defined in these Terms, Trusted Merchants specifically agree to:

In addition to general user obligations, Trusted Merchants specifically agree to:

a. Legality of Transactions: Conduct trades exclusively using legally obtained funds. Fraud, money laundering, or illicit financing is strictly prohibited.

b. Verified Account Use: Receive and send fiat payments only through accounts registered under your verified KYC name. Verify incoming fiat payments originate from counterparties whose registered payment information matches their KYC-verified details on Wallet P2P. Use of third-party accounts is strictly prohibited.

c. Timely Transaction Processing: Execute transactions promptly, including timely fiat payment (buyers), immediate release of Digital Assets (sellers), and rapid communication responses.

d. Fair and Good-Faith Trading: Abstain from actions that disrupt fair trading conditions, such as unjustified order cancellations, fictitious orders, baseless claims, complaints, insults, or defamatory behavior toward other users or Wallet P2P.

e. Quality of Service: Provide reliable, fair, and professional service. Actively manage Advertisements and Offerings, maintain high user ratings, and promptly resolve disputes.

f. Dispute Resolution Cooperation: Cooperate proactively with counterparties and Wallet P2P support during dispute investigations. Promptly inform Wallet P2P support of account freezes, payment issues, or unusual transaction difficulties, providing all relevant documentation and evidence upon request.

6.4. Violation Consequences and Penalties

а. Any breach may lead to immediate revocation of Trusted Merchant status, account sanctions, or other penalties, including:

Full or partial confiscation of the guarantee deposit.
Temporary or permanent suspension of access to Wallet P2P.
Freezing of Digital Assets held in your Wallet account.
Termination of your user account and any related privileges.
Reporting serious misconduct to applicable law enforcement authorities.

b. Users accept full responsibility and acknowledge no entitlement to reimbursement or compensation for revoked privileges or confiscated deposits, unless determined otherwise by us.

c. Serious violations triggering immediate revocation include, but are not limited to:

Fraudulent transactions or falsified payment confirmations.
Use of illegally obtained or suspiciously sourced funds.
Causing bank account freezes for counterparties and refusing cooperation.
Intentional incomplete or partial payments.
Systematic evasion of payment obligations.
Unauthorized disclosure of other users’ personal information.
Attempts to redirect users to external platforms or services.
Abuse of Trusted Merchant status to negatively impact the Wallet P2P community.

6.5. Guarantee Deposit Terms

Trusted Merchants must maintain a guarantee deposit to secure obligations and compensate for potential damages:

a. Deposit Freezing: Upon granting status, a specified amount of Digital Assets is frozen on your account.

b. Deposit Return: Upon voluntary relinquishment or involuntary loss of status (absent active disputes or investigations), the deposit is typically released within one business day, not exceeding 45 calendar days.

c. Deposit Utilization in Case of Violations: We reserve the right to deduct partially or fully from your deposit to cover losses or penalties due to rule violations. You consent to such deductions. If a violation occurs without harm or losses, your deposit will be returned within 45 calendar days after the investigation concludes.

7. P2P Express

7.1. P2P Express allows the Buyers to publish offers that are not displayed via the Wallet P2P Offering list (“Offering” in the P2P Express context).

7.2. By using P2P Express the Buyer is allowed to place an Offering that will be automatically matched with existing Advertisement posted on Wallet P2P by Trusted Merchant based on the best available price.

7.3. You understand and agree that by using P2P Express, the Offering will be automatically matched to the Advertisement that offers the best available price for your preferred payment method, you will not have access to all Advertisements published on Wallet P2P and you will not have the possibility to select the Advertisement which will be connected to your Offering. The Buyer is under no obligation to commence a purchase and may cancel the transaction at any time prior to the transfer of Fiat consideration.

8. Dispute resolution

8.1. We are not a party to the Digital Assets trade between the Buyer and the Seller and have neither the right nor the obligation to resolve any disputes between the Buyer and the Seller and are not liable for any loss you may incur in connection with a completed transaction.

8.2. You understand and agree that the appeal mechanism offered via Wallet chat is not a representation, undertaking, or guarantee from us in any way whatsoever to resolve the disputes between the parties and has the sole purpose of offering a mediation channel to the users. We reserve the right to suspend or terminate access to Wallet P2P for users who are uncooperative during the appeal process, engage in unjust enrichment through the use of Wallet P2P, or behave inappropriately. You may lose access to all or part of Wallet P2P in case an Advertisement that you have posted has multiple ongoing appeals.

8.3. The dispute will generally be resolved within 30 calendar days from the date the user opened the dispute although we do not guarantee any period of dispute resolution. The period of dispute resolution may be extended indefinitely at our discretion without any notice to you.

8.4. We may request additional evidence of the transaction from the parties to the transaction. Evidence may include but not limited to: a video of the complete mobile app login process, a bank statement, a receipt of the completed transaction by the bank and an identity verification procedure. All evidence must be provided as is without editing of the original file.

8.5. You must provide all information requested by the support team. If you fail to comply with this clause you will be restricted from the use of Wallet P2P or have other sanctions applied to you.

8.6. In case the Buyer sends Fiat consideration in the amount of less than what was indicated in the Order the Seller will have an option to release the amount of Digital Assets corresponding in value to the factually received amount of Fiat consideration. In the same time the amount of Digital Assets received by the Buyer will be blocked until the Buyer contacts the support team and provides requested information.

9. Miscellaneous

9.1. You accept the risks associated with P2P transactions, which may include: fluctuations in the price of Digital Assets, reliability of counterparties, and legal risks.

9.2. Payment methods available on Wallet P2P are displayed as options available to users to perform the Fiat Consideration transfer in consideration of the trade of the Digital Assets. Unless expressly provided otherwise, we do not have any form of relationship with the payment methods listed on Wallet P2P. Availability of a payment method on Wallet P2P shall not be construed as a recommendation, vetting or endorsement by us.

9.3. You agree that to the fullest extent permitted by applicable law we will not be liable for your losses, damages, and lost profits resulting from P2P transactions or the use of Wallet P2P, including but not limited to hacker attack, power outage, or technical failure.

9.4. We reserve the right to immediately restrict, suspend, or terminate your account without prior notice at our sole discretion.

9.5. We may from time to time, at our discretion, make changes and improvements to this ToU. By accessing Wallet P2P after these changes have been made, you express and acknowledge your consent to the changes.