Terms of Service

P2PINR operates a peer-to-peer (P2P) platform where users trade USDT on the BNB Smart Chain (BEP-20) with merchants who pay or receive Indian Rupees (INR) by UPI or bank transfer. P2PINR holds USDT in custody while orders are open and records every balance movement in an internal ledger. P2PINR is not a bank, does not accept INR deposits, and does not provide investment, legal or tax advice.

• You must be at least 18 years old, resident in India, and legally able to enter a contract.
• One person, one account. Accounts may not be shared, sold or used on behalf of someone else.
• You must keep your sign-in email, authenticator app and recovery codes secure. Actions taken with your credentials are treated as yours.
• We may require identity verification (a government photo ID and a live face check) before you can withdraw, sell, or act as a merchant, and may ask you to verify again.

• The rate, fees and amounts shown when you place an order are locked for that order.
• INR must be paid only from a bank or UPI account in your own name, to the account shown on the order, within the payment timer.
• USDT is released only when the party receiving INR confirms payment, or by a staff decision in a dispute. Uploading a screenshot or a timer ending does not release funds.
• Never mark an order as paid before you have actually paid, and never confirm receipt before the money is in your account.

If an order cannot be completed normally, either party may escalate it after the relevant timer. Funds stay locked while our team reviews evidence from both sides. Staff decisions (release, refund, reject or extend) are recorded with reasons. Large decisions may need a second approver. You agree to provide truthful evidence when asked.

Every trade on P2PINR is settled through escrow: USDT is locked when an order is accepted and released only when the party receiving INR confirms payment, or by a staff decision in a dispute. Merchants are approved by our team after a record of completed trades on P2PINR.

• If Indian Rupees you received from a counterparty through a P2PINR trade result in a lien, hold or freeze on your bank account, you may report the affected order within 30 days of its completion using the "Report a problem" option on the order page.
• Our team reviews the report and the evidence from both parties. Where the review finds that the counterparty caused the lien — for example by paying with disputed, fraudulent or third-party funds — P2PINR may recover the affected amount from the funds that counterparty holds on P2PINR and credit it to you.
• Recovery is limited to the amount of the affected P2PINR trade and to the funds the counterparty holds on P2PINR. P2PINR does not guarantee the reversal of any bank or police action, the release of your account, or any compensation beyond the affected trade amount.
• To claim, you must have completed identity verification (KYC), report within the window, cooperate with the review, and provide requested evidence (such as the bank or lien communication). Reports that are outside the window, unsubstantiated, or collusive may be declined.

Tainted funds and enforcement. You must fund trades only from bank or UPI accounts in your own name holding legitimately-sourced funds. If Rupees you send through P2PINR cause another user’s account to be frozen or subjected to a lien — for example because the funds are disputed, fraudulent or the proceeds of crime — P2PINR may recover the amount from your balance on P2PINR, suspend your account, report the matter to banks, payment partners and law-enforcement or regulatory authorities, and pursue legal action against you. You consent to P2PINR using the identity and KYC information you provided to identify you and to share it with those authorities as required.

Fees, limits, stake tiers and merchant commissions are shown in the app before you confirm an action and may change for future orders. Staked USDT is locked until its unlock date and earns no return. Optional programmes such as referrals or an earning plan have their own terms, and any rewards are variable and not guaranteed.

• Money laundering, fraud, scams, “money mule” activity, or trading on behalf of others.
• Using stolen funds or accounts, or funds connected to cyber-crime complaints.
• Harassing counterparties or asking them to trade outside the platform.
• Circumventing limits, verification, sanctions screening or security controls.

You are responsible for your own tax obligations on crypto transactions, including any applicable tax deducted at source and income tax. P2PINR complies with applicable Indian laws, including anti-money-laundering reporting obligations, and may share information with authorities when legally required. P2PINR may freeze, hold or reverse activity where required by law or a lawful order.

We may limit, suspend or close accounts for suspected fraud, legal or regulatory reasons, security risks, or breach of these terms. Where the law allows, we will tell you why and how to withdraw any remaining balance after checks are complete.

To the extent permitted by law, P2PINR is not liable for losses caused by market price changes, blockchain network issues, actions of banks or payment providers, errors in addresses or networks you enter, or events outside our reasonable control. Nothing in these terms limits liability that cannot be limited under Indian law.

We will notify you of material changes before they take effect. These terms are governed by the laws of India. Questions and complaints: [email protected].