Lumpa Insights
Safety
P2P merchant safety checklist
A compact checklist for evaluating counterparties before you start a P2P trade.
6 min Updated 2026-08-23
Read the merchant profile
Completion rate, number of completed trades and account history provide context. None of these signals guarantees a safe trade, but weak or inconsistent history deserves additional caution.
Keep settlement inside the platform workflow
Use the exchange order flow, read the advertiser terms and avoid moving the transaction to unrelated messaging or payment arrangements that bypass platform protections.
- Confirm payer or payee details carefully.
- Do not release crypto only because a screenshot was sent.
- Verify actual receipt of funds where applicable.
- Use the platform dispute process when needed.
Do not let a better rate override basic controls
The purpose of comparison is to improve execution quality, not to encourage unnecessary counterparty risk.
This material explains comparison mechanics and P2P execution factors. It does not guarantee price, liquidity, merchant performance or profit. Confirm all transaction details on the exchange.