How P2P settlement works

Settlement is not a payout to a player. Settlement is the merchant receiving the value that survived pay-ins, fees, and holds. Mixing those words is how teams argue with a ledger that is actually fine.

The order of money

Pay-in lands and is matched.
The merchant cashier credits the user when the integration says so.
The merchant’s net position is calculated.
Settlement leaves on the rail chosen at onboarding: often USDT TRC-20 or ERC-20, sometimes Bitcoin or a bank transfer.

Payouts to end users can run in parallel. They still need their own checks. See pay-in and payout.

What to agree before the first live day

Asset and network, if crypto.
Bank currency, if fiat.
Cut-off time and who is on Telegram after it.
How exceptions (wrong amount, late pay-in) affect the day’s settlement file.

Records that prove settlement belong on payment reconciliation.

P2P settlement FAQ

Does T+0 mean every corridor pays the same hour?

No. The homepage describes same-day settlement as a target on standard corridors. Cut-offs, networks, and incomplete files still delay a run.

Talk through a settlement schedule

Name preferred rail and countries. We quote; we do not post a public timetable for every merchant.