Best for: Buyers who want a mobile, non-custodial peer marketplace with escrow and no routine KYC.
Consider if: You already manage wallet backups and feel comfortable coordinating fiat payments directly with peers.
Not ideal when: You expect a desktop interface, automated recurring buys, or an intermediary that holds funds for you.
Gotcha: Peach cannot reset your password, so store it offline before you trade.
Gotcha: Losing both the file and password means Peach cannot recover your sats.
Gotcha: Keep chat inside the app so mediators can review the history if something goes wrong.
Most trades settle within the payment window set by the seller; instant rails close in minutes while bank transfers can take a business day or two.
Yes. Install the app on a new device, import your backup file, and enter its password. Without the backup Peach cannot help.
Not yet. Peach is mobile-only today, so you need the iOS, Android, or APK build to post offers.
Seller pays the on-chain mining fee
What happens:
The seller sends bitcoin into a unique 2-of-2 address shared with Peach before any fiat moves.
Save money:
Schedule escrow funding when the mempool is calm and use Peach's fee suggestion to avoid overpaying.
You can watch the funding transaction hash inside the trade timeline before you release any cash.
2% platform fee + Seller Premium
What happens:
Peach charges ~2%, but sellers often add their own premium (1–5%) above the Bitcoin spot price.
Save money:
Build reputation, compare premiums, and apply Peach Point rewards from referrals to offset part of the fee.
Referral rewards pay 42 sats per point. Request a payout ticket when you want to convert points to sats.
Bitcoin network fee picked by the seller on release
What happens:
When the seller co-signs, the release transaction leaves escrow to your address with the fee they selected.
Save money:
Agree on the fee level in chat and choose lower-fee windows when your payment rail can wait.
Escrow auto-unlocks after roughly 4,320 blocks so the buyer can still claim funds if the seller disappears.
Buyers cover the ~2% fee when the trade closes, while sellers only pay the mining fees to fund escrow.
Yes. Every 10,000 sats your referrals trade earns a Peach Point worth 42 sats, which you can request as a payout through support.
Peach's tutorials walk you through RBF and CPFP so the seller can bump the fee or you can craft a child transaction when confirmation stalls.
Best for: Larger trades when both parties can wait for bank settlement.
| Min per transaction | Set in the offer |
|---|---|
| Max per transaction | Scales with your Peach score |
| Max per day | Scales with your Peach score |
| Max per week | Scales with your Peach score |
| Withdrawal eligibility | Release after the seller marks payment received |
Best for: Local trades when you want face-to-face settlement without banking rails.
Best for: Cross-border deals when both parties use the same app.
| Min per transaction | Set in the offer |
|---|---|
| Max per transaction | Depends on the app and your Peach score |
| Max per day | Depends on the app and your Peach score |
| Max per week | Depends on the app and your Peach score |
| Withdrawal eligibility | Release after screenshots confirm the transfer |
Encrypted on your phone Export your own backup
Peach stores your wallet state in an encrypted file that never leaves your phone. That keeps your keys, payment preferences, and chats under your control instead of on company servers. You can export the file to offline storage so a lost phone never strands your sats.
Gotcha: If you lose both the backup file and the password, Peach cannot restore your wallet.
Seller + Peach signatures Dispute fallback after 4,320 blocks
Each trade locks bitcoin in a 2-of-2 address that needs the seller and Peach to sign before funds move. That stops unilateral withdrawals and gives disputes a path to resolution after roughly 4,320 blocks. You can verify the escrow on-chain before you send any money.
Gotcha: Never send fiat before escrow is funded and confirmed.
Up to ~1,000 CHF daily Stay private without ID
Swiss regulation lets Peach settle trades under about 1,000 CHF per day without collecting identity documents. That keeps small deals private while staying compliant. You can plan larger moves across several days if you want to remain in the no-KYC bracket.
Gotcha: Crossing compliance triggers can pause new trades until you finish any required verification.
Cold storage keeps your sats offline once trades settle.
Gotcha: Do not take photos of your seed phrase or store it in cloud accounts.
Fresh addresses keep your trade history private.
Gotcha: Do not reuse addresses. A fresh address hides how many sats you already hold.
Testing the path builds confidence before moving the full trade amount.
Gotcha: If the test gets stuck, adjust the fee or use CPFP before moving the rest.
Sweeping the balance keeps only spending money on your phone.
Gotcha: Label the transaction so you remember which trade funded your cold storage address.
The Peach wallet lives on your phone, so sweeping to cold storage removes mobile device risk once trades settle.
Most traders wait for one confirmation on the release and at least one more on the sweep, but you can choose higher thresholds for large trades.
No. Generate a fresh address each time to keep counterparties from linking your trades together.
No. They remain end-to-end encrypted and only become visible to mediators if you file a dispute.
Not yet. You need an IPv4 address or a private VPN when connecting your own node.
Optional Firebase and Google Analytics events run only if you opt in, and you can leave them disabled.
Swiss Polyreg SRO membership and AML registration
Compliance overviewMultisig escrow design and dispute handling
Trading FAQData collection and encryption practices
Privacy FAQTerms and conditions updated by Peach
Terms & conditions
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.
Each Peach trade starts with the seller locking sats in a 2-of-2 address that needs both the seller and Peach to co-sign the release. That prevents either party from moving the funds alone and lets Peach finish the release after roughly 4,320 blocks if a dispute stalls. You can copy the escrow address from the trade details and verify it on a block explorer before you send fiat.
Peach operates under Swiss rules that allow KYC-free swaps up to about 1,000 CHF per person each day. That keeps small trades private while still meeting compliance. You can split larger purchases across days if you want to stay under the no-KYC threshold.
Peach keeps your wallet, contacts, and payment templates in an encrypted account file that lives on your phone. If you lose that file or forget the password, Peach cannot restore the wallet for you. You can export the backup from Settings > Backup and store it offline on an SD card, computer, or encrypted cloud folder.
Offers cover more than 100 rails ranging from SEPA, bank transfers, and Wise to gift cards and cash in person depending on your counterparty. That flexibility lets you meet peers where you already have accounts. You can filter offers by payment type so you only see options you trust.
If the other party stops responding, you can open a dispute inside the trade chat so Peach mediators review the evidence. They can co-sign the escrow to release bitcoin to the buyer or seller once payment proof is clear, preventing funds from getting stuck. You can keep screenshots, receipts, and chat logs ready so disputes resolve quickly.
