Peach Bitcoin exchange profile

Peach’s Bitcoin P2P marketplace currently admits only approved sellers, who fully control trade BTC. Peach supplies mediation without a signature; older joint-escrow descriptions do not describe present protection.[1]

Peach claims CHF15 million-plus cumulative P2P turnover without a dated methodology. This company total is neither monthly volume nor an active-trader count.[1]

A hypothetical 100,000-sat trade worth CHF100 at reference costs CHF105 with a 5% premium. The 2% fee removes 2,000 sats, leaving 98,000 before mining. Effective cost per received sat is 7.1429% above reference. Payment/mining costs and price movement are excluded.[18][9]

The August service-change announcement expressly retains the 2% release fee despite removal of Peach’s escrow signature. The continued fee should not be interpreted as purchasing the previous co-signing protection.[2]

Before a match, an offer can be withdrawn. Once a trade exists, cancellation is conditional and can affect reputation. The Marketplace FAQ distinguishes a buyer cancelling before marking payment from raising a dispute afterward. A seller should not assume cancellation is permitted after the buyer may already have paid; use the contract’s cancellation request and counterparty response.[10]

External payouts require an address-control signature, which not every wallet supports. The FAQ describes manual addresses rather than live xpub automation. Stuck funding/send transactions may support RBF; released outputs may allow CPFP. Neither reverses a confirmed trade.[9]

The February 2026 GroupHug guide describes batching up to 24 hours and an opt-out under transaction-batching settings for a direct payout with the full network cost. Batching itself adds no claimed privacy. Those are published scheduling mechanics, subject to the current trade arrangement; the guide’s old joint-escrow safety language is superseded.[12]

The Release FAQ directs users to the trade’s participant count and estimated release time. A threshold is a trigger rather than a maximum batch size, and a single queued payout need not broadcast immediately. This distinguishes a transaction still awaiting broadcast from one already submitted to Bitcoin and waiting for confirmation.[11]

The present notice says the seller fully controls the trade BTC and Peach has no escrow control. Consequently, mediation cannot be treated as the old mechanism that let Peach enforce a Bitcoin release. The notice’s offer of support does not specify an insured amount or an unconditional reimbursement formula.[1]

A restored wallet can need a larger address-discovery gap to find all previously used payout addresses. Keep the full account backup separately from the phone; seed recovery alone does not reconstruct the evidence needed for an old trade dispute.[13]

Terms require age 18, one account and own-name payments. Citizenship, permanent/tax residence and location restrictions cover the US/territories, Iran, North Korea, Myanmar, China, Algeria, Bangladesh, Nepal, Afghanistan, Morocco, Egypt, Bolivia, Qatar, Tunisia, Pakistan, Vietnam, Indonesia and Nigeria, plus applicable UN/OFAC/EU-embargoed jurisdictions.[3]

Peach does not actively offer or market in the EU/EEA; it relies on exclusive user initiative and may restrict access. That position establishes neither a MiCA licence nor universal local eligibility.[3]

Published limits are CHF1,000 daily and CHF100,000 annually; specified anonymous payment methods have a CHF1,000 monthly limit. Current application restrictions also apply.[3]

The FAQ offers KYC for higher-volume sellers; buyer limit increases are unavailable. Identity-free marketing is therefore conditional.[9]

For a disagreement, first communicate inside the trade chat. The published dispute guide describes opening the red dispute control, choosing the reason and supplying payment evidence. Mediators can request proof of receipt or non-receipt and continue through chat or email. Its response estimates are inconsistent, so they are not treated as a binding service level. Current mediation does not restore the removed Peach signature.[16]

The terms require responses within 24 hours; request any extension inside that window. They exclude off-platform conversations from dispute evidence. Users remain responsible for their taxes.[3]

Peach’s safety guidance flags mismatched payment names, fragmented payments, suspicious overpayments and requests to return the difference through another channel. These can be signs of a third-party payment problem. A seller should resolve the actual payment provenance through the agreed process before releasing BTC; a screenshot from the buyer is not equivalent to confirmed bank receipt.[17]

The private API documents contract summaries and full contract records, including price, currency, status and transaction identifiers. Preserve these alongside actual bank/payment records and wallet transactions; they are not a promised tax certificate. A seed-only restoration cannot restore the missing chat evidence.[19]

The privacy policy retains dispute information and payment/device hashes for defined purposes, with some records kept for ten years and banned-user hashes retained indefinitely. Account deletion therefore does not imply immediate erasure of the trade record. Support submissions may include logs or identity evidence; normal counterparty privacy does not mean nothing is disclosed during a dispute.[4]

PolyReg’s current public membership lookup returns a positive result for the exact name Peach Sàrl. Its published remit is AML supervision of affiliated financial intermediaries under Swiss law. This supports the specific SRO-membership statement, not a claim that Peach holds a bank licence or an EU-wide crypto-service permission.[23][24]

In the 31 August founder’s letter, Peach attributed its escrow suspension to a reassessment of the previously accepted compliance model. That is the company’s account of an ongoing disagreement. No final ruling or restoration date was established; the current site notice still describes the temporary restricted service.[2]

The English service terms select Neuchâtel, Switzerland, law.[3]

Operator

Peach Sàrl

Exchange model

Hybrid

Service scope

Bitcoin P2P matching with central coordination and mediation; sellers currently require restricted eligibility.

Client types

Retail clients; Professional clients

Pricing publication

Public pricing

Other names

Peach

Covered jurisdictions

Switzerland

Pricing scope

Buyer trading fee 2%, plus quoted seller premium or discount and applicable Bitcoin/payment costs.

Funding scope

Buyers pay counterparties directly through agreed methods. Sellers fund Bitcoin trades; buyers receive BTC in an eligible wallet.

Custody and asset handling

Current temporary arrangement gives sellers full control of trade BTC; Peach cannot co-sign or compel release. The personal wallet remains user-controlled.

Client eligibility

Adults in permitted jurisdictions; own-name payments. EU/EEA access is framed as exclusive user initiative, with continuing access restrictions.

Support

In-app support and trade dispute chat; [email protected] and [email protected] are published contacts.

Authorisation and registration scope

Exact-name PolyReg membership confirmed on 21 October 2026. This is Swiss AML SRO supervision, not a verified MiCA or bank authorisation.

Exchange metadata checked 21 Oct 2026Source 1Source 2Source 3Source 4Source 5Source 9Source 15Source 23Source 24

The API separates public market data from authenticated user operations. A signed challenge obtains a token valid for 60 minutes. Private endpoints include creating/cancelling offers, payment confirmations and disputes, so the interface is not read-only. Its documentation contains older escrow fields; integrations must reconcile those with the temporary arrangement. The public status/info endpoints returned HTTP 451 during this research, so their live operation was not verified.[19]

The business page offers professional support and API wrappers. Its BTCPay Server integration lets a merchant publish sales from its hot wallet and choose an offer premium or discount. This is merchant-controlled offer creation, not a promise of automatic fiat conversion, a guaranteed match or independent discretionary management. Current seller eligibility continues to apply.[22]

The new-user page advertises one fee-free buy trade. That is a trading-fee benefit, not an unconditional cash deposit; it does not establish that Bitcoin network charges or the counterparty premium disappear.[20]

The account FAQ awards one referral point per 10,000 referred sats. Rewards include a custom code at 100 points, two fee-free trades at 200, or conversion from 300 points. Conversion is described as 42 sats per point, linked to 21% of fees from the referred user’s first five trades, with the first fee-free. Payout requires a manual request; Lightning/on-chain routes are listed.[13]