NoOnes: P2P offers, wallet charges and payment controls

NoOnes combines a peer-to-peer marketplace with a hosted cryptocurrency wallet, conversion and payment features. The marketplace advertises more than 500 payment methods, including bank transfers, mobile money, online wallets and gift cards. A payment-method listing describes ways counterparties may settle; it does not mean NoOnes provides a bank account in every listed currency.[1]

Creating an offer adds controls beyond accepting somebody else’s price. The maker chooses a market-linked margin or an available fixed-price option, minimum/maximum amount, payment deadline and counterparty filters. Fixed pricing is unavailable for some stablecoin offers. After a trade starts, its terms cannot be edited. A payment window expiring before the buyer marks payment cancels the trade.[8]

Offer working hours are stored with a chosen time zone and can vary by day or be applied to every offer. An inactive listing outside those hours is different from cancellation of an already opened trade. The published scheduling guide describes listing visibility; it does not promise that logging out settles an existing obligation.[10]

The margin is a percentage above or below the reference market price, separate from the platform fee. A hypothetical reference of $100,000 per BTC with a +3% selling margin produces a $103,000 offer price. That calculation does not establish a net profit: platform charges, the seller’s acquisition cost and payment-provider costs remain outside it.[9]

The fee-help page’s opening “zero” buying-fee statement conflicts with its own table; the table agrees with the main schedule above. Treat the displayed trade fee as payable. On the seller side, the escrow fee is reserved when the trade opens and collected on completion; an uncompleted trade returns the escrow without that trading charge.[4]

Cash-out pricing is inconsistent across the two official fee pages: the main schedule adds provider charges to 3.5% bank/mobile-money or 1.5% card charges, while help lists 1% for several Latin American bank routes and calls its quote inclusive. The payout quote needs to identify the applicable total; none of those percentages establishes one universal cash-out cost.[3][4]

The wallet landing page now lists USDC on Base and BNB Smart Chain and native TRX, while the supported-token help excludes BSC USDC and native TRX. Those documents are inconsistent. Confirm the exact currently generated deposit instruction before transferring either asset; this profile does not resolve that discrepancy by assuming the broader list is executable.[5][16]

Despite descriptions of decentralised P2P trading, the contract says NoOnes controls the hosted wallets. Its terms permit restrictions and suspension; the product should not be presented as a wallet whose private keys are held solely by the customer.[2]

Escrow reserves the seller’s crypto and fee. The seller releases it after receiving payment; a moderator may decide a contested release. Cancellation or an unpaid expiry normally returns escrow to the seller. This mechanism controls the cryptocurrency leg, while the payment evidence still matters to any dispute.[11]

The inspected guides establish wallet history and trade receipts, but not a complete downloadable tax statement or a guaranteed post-closure export period. Preserve order references, payment receipts, fees and blockchain transaction hashes while account records are available.[14][24]

A January 2025 wallet incident is part of the platform’s history. Merkle Science’s 14 February investigation attributes approximately $7.9 million of outflows to the incident and records the CEO’s explanation of a Solana bridge exploit and reduced hot-wallet exposure. That report is evidence of the incident and stated response, not a current audit or an insurance promise.[34]

The current blocked-jurisdiction page excludes Cuba, Iran, Myanmar, North Korea, Panama, Russia, Syria, the UAE and the United States with listed territories. From 1 July 2026 it also excludes all EU member states plus Iceland, Liechtenstein and Norway. A site or app being reachable does not override those restrictions.[20]

The same limits page treats lifetime trade and wallet-send totals separately and applies the per-trade cap across active trades. Its Lightning limits are $1,000 sending, with receiving limits of $1,000 for Levels 1/1+ and $5,000 for Levels 2/3.[18]

A separate identity-help page quotes $50,000 activity and $10,000 per-trade triggers, conflicting with the lower entry-level table. These figures should not be treated as interchangeable exemptions from verification. The account’s applicable level, cash-payment requirements and requested checks must be resolved before relying on a transaction limit.[19]

The Help Centre provides tickets and the company advertises 24/7 support. A live P2P disagreement has its own in-trade Dispute route; sending a general enquiry is not the same as opening that dispute.[26]

The reviewed terms identify NoOnes and affiliates without an incorporated counterparty. They select Panama law and individual CECAP arbitration. That law clause is not evidence of incorporation or a financial-services permission. A named exchange licence, customer compensation scheme and policy limit were not established from those disclosures.[2]

The platform expressly says it operates outside the MiCA framework when explaining its EU/EEA exclusion. The historic claim of worldwide reach therefore needs to be read alongside the current residency restrictions.[20]

The current partner page claims more than 2.5 million users across 183 countries. It does not define that figure as monthly active traders or verified funded customers, and its country count cannot be used as a present eligibility list. A comparable current daily trading-volume figure was not established in this review.[27]

The public product pages document a P2P, wallet and payments ecosystem. The current legal materials reviewed did not establish an incorporated parent, a verified head-office address or a consolidated audited financial statement; none is inferred from the brand’s marketing description.[26][25]

Operator

NoOnes; incorporated counterparty not established in reviewed terms.

Exchange model

Centralised

Service scope

Peer-to-peer crypto marketplace with hosted wallet, swaps and separate payment services.

Client types

Retail clients

Pricing publication

Public and quoted pricing

Pricing scope

Published platform charges plus offer margins, network costs and route-specific provider charges.

Funding scope

Crypto wallet transfers; fiat payments to counterparties and supported cash-out providers.

Custody and asset handling

NoOnes controls hosted wallets and trade escrow.

Client eligibility

Jurisdiction and verification restrictions apply; EU/EEA service excluded from 1 July 2026.

Support

Help Centre, support ticket and in-trade disputes; support advertised 24/7.

Authorisation and registration scope

No incorporated operator or exchange permission established from the reviewed legal disclosures.

Exchange metadata checked 21 Oct 2026Source 1Source 2Source 20

The terms cover completed BTC, USDT and USDC P2P trades. Referrals from 6 October 2025 earn for their lifetime only while the programme continues and the account remains compliant; older referrals may show Expired. Trading directly with one’s own partners earns nothing. Where partners of two members trade together, the applicable reward is split equally. At least $5-equivalent in a supported reward balance is needed to claim it into the NoOnes wallet. Checks can precede withdrawal; abuse can cancel or reclaim rewards.[28]

The referral page imposes no numerical limit on invitees, but earnings depend on completed eligible activity. A percentage of somebody else’s trading fees is not a yield on deposited crypto. The published progression conditions and your actual dashboard level determine which row applies.[27]

The developer documentation supports direct access to one’s account and delegated access granted by other users. Products and OAuth scopes can authorise trade, offer and wallet actions; read access should not be assumed to be the only permission. Direct-access tokens receive the operations attached to the key’s selected products. Removing an integration does not establish that already submitted trades or payments have been unwound.[33]

The terms address unclaimed balances through applicable law and notice, including possible lawful administrative or dormancy charges. They do not publish one fixed inactivity tariff or a universal period after which an account automatically closes.[2]