Peach vs River

Updated: October 2025

Quick take

Peach provides mobile P2P trading across flexible payment rails with non‑custodial escrow. River is a custodial app with recurring orders and Lightning support. Compare KYC posture, recurring features, payment rails, and which mobile experience fits your daily usage.

Peach vs River — full comparison (Buy Bitcoin)
Platform	P2P Exchange
Features	No KYC Non-custodial Many payment methods Mobile only No recurring buys Required to build reputation on closed platform Free recurring orders Earn interest on cash US only Incentivizes custodial saving KYC required
Fees Processing fees	2% Based on monthly trading volume up to $1,000,000: 1% $1,000,000 - $5,000,000: 0.70% $5,000,000 - $15,000,000: 0.40% $15,000,000 and up: 0.25%
DCA (Dollar Cost Averaging)	No Yes: Recurring orders are free
Payment Methods	Bank Transfer, Cash in Person, SEPA, Wise, Revolut, Twint Bank Transfer, Wire Transfer
Custody & Control	Non-custodial Custodial
KYC Required	No Yes
Open Source	Yes No
User Experience	0.0 out of 5 rate (0) 0.0 out of 5 rate (0)
Interface	Mobile only Mobile only
App Ratings	iOS: In development Android: N/A iOS: 4.9 Android: 4.8
Profile Founder(s)	Stephanie Alex Leishman
Company description	Peach Bitcoin is a mobile-only peer-to-peer platform for buying and selling Bitcoin. It stands out with its non-custodial model, using multi-signature escrow to secure trades without holding user fund... Peach Bitcoin is a mobile-only peer-to-peer platform for buying and selling Bitcoin. It stands out with its non-custodial model, using multi-signature escrow to secure trades without holding user funds, shifting trust to individual traders, and offering KYC-free (Know Your Customer) transactions up to 1,000 CHF daily, emphasizing privacy. Peach Bitcoin is a mobile-only peer-to-peer platform for buying and selling Bitcoin. It stands out with its non-custodial model, using multi-signature escrow to secure trades without holding user funds, shifting trust to individual traders, and offering KYC-free (Know Your Customer) transactions up to 1,000 CHF daily, emphasizing privacy. Users must build trust through reviews and completed trades to unlock higher transaction limits. It supports over 100 payment methods, including cash and gift cards, with a 2% fee for buyers and free selling. Peach's mission is to make peer-to-peer Bitcoin trading the standard, promoting financial freedom, with plans to enhance Lightning Network support and expand globally, especially in Latin America and Africa. The vision is to offer a private, on‑the‑go way to trade Bitcoin without heavy identity requirements, making it attractive to beginners who want control and privacy without overcomplicating the process. Beginners love its privacy and ease, but some find the mobile-only platform limiting. River helps U.S. based customers invest in Bitcoin simply and securely with a focus on long-term saving. Unlike many platforms, River holds all Bitcoin in full-reserve cold storage with multi-signatur... River helps U.S. based customers invest in Bitcoin simply and securely with a focus on long-term saving. Unlike many platforms, River holds all Bitcoin in full-reserve cold storage with multi-signature security and gives users transparency through real-time proof of reserves. This might sound inviting to people who don't want to hold Bitcoin in self-custody but it also means more centralization within Bitcoin. River helps U.S. based customers invest in Bitcoin simply and securely with a focus on long-term saving. Unlike many platforms, River holds all Bitcoin in full-reserve cold storage with multi-signature security and gives users transparency through real-time proof of reserves. This might sound inviting to people who don't want to hold Bitcoin in self-custody but it also means more centralization within Bitcoin. It supports things like inheritance planning, business accounts, and joint accounts, making it attractive for people who want to treat Bitcoin like serious money. Users can buy Bitcoin instantly, set up automated savings, and send Bitcoin via on-chain or Lightning payments. On top of that, you can earn 3.8% Bitcoin interest on your cash. The app has a clean interface and is designed to be easy to use, earning high ratings on both iOS and Android. River's mission is to provide a trusted, high-quality experience for people who want to build wealth in Bitcoin without distractions. It aims to give users full control and transparency. While some users note strict ID verification and limited availability outside the U.S., River is praised for its reliability, personal customer service, and focus on security.
Founded in	2022 2019
Website	peachbitcoin.com river.com
Availability	Available globally Available in United States

FAQs

Does River require KYC?

Yes. River is a custodial exchange and requires full KYC.

Does Peach support bank transfers/Revolut?

Yes. Peach supports bank transfer, SEPA, Wise, Revolut, Twint, and cash-in-person (availability depends on the counterparty).

Which has Lightning features?

River. River supports Lightning and recurring orders; Peach is a P2P marketplace using non-custodial escrow and does not list Lightning features.