MEXC T+N Withdrawal Policy FAQWhat is the T+N Withdrawal Policy?The T+N withdrawal policy requires that cryptocurrencies purchased via fiat channels must be held for N hours before they can be withdrawn or transferred. This policy is designed to freeze suspicious funds during the risk control review period, helping prevent money laundering and fraud.T+N is a liquidity restriction policy applied to assets obtained through fiat channels. It covers the following restricted operations: Withdrawals, internal transfers, fiat/P2P selling, fiat withdrawals, Gift sending Until the N-day countdown (e.g., T+N = 24/72 hours) is completed, all of the above operations remain frozen.Why is a T+N withdrawal waiting period required

To enhance the trading experience for P2P users, MEXC has launched an ad-posting feature for all users. All eligible users can post their own trade ads without applying to become merchants. This update enhances accessibility and flexibility in the P2P trading experience. To start posting your ads, make sure you meet the following requirements:Complete Advanced KYC VerificationLink your email address to your MEXC account;Link your mobile number to your MEXC account;Meet trading requirements based on the table below: MarketSelling AdvertisementsBuying AdvertisementsAccount AgeAccount AgeNo. of Completed Orders*Net P2P Trading VolumeNo. of Unique CounterpartiesCompletion RateCIS RUB24 hours90 days20--10>85%AMD24 hours90 days20--10>85%KZT24 hours90 days2050010>85%TJS24 hours90 days20--10>85%KGS24 hours90 days20--10>85%AZN24 hours90 days20--10>85%BYN24 hours7 days20--10>85%UZS24 hours7 days20--10>85%GEL24 hours90 days20--10>85%UAH24 hours90 days2050010>85%VietnamVND24 hours90 days2050010>85%SEAPHP24 hours30 days2050010>85%MYR24 hours30 days2050010>85%IDR24 hours30 days2050010>85%MENAAED24 hours30 days2050010>85%SAR24 hours30 days2050010>85%EGP24 hours30 days2050010>85%JOD24 hours30 days2050010>85%MAD24 hours30 days2050010>85%SYP24 hours24 hours20--10>85%IQD24 hours7 days20--10>85%TRY24 hours30 days2050010>85%LATAMARS24 hours24 hours------>85%BRL24 hours24 hours------>85%MXN24 hours24 hours------>85%COP24 hours24 hours------>85%VES24 hours24 hours------>85%CLP24 hours24 hours------>85%BOB24 hours24 hours------>85%AfricaNGN24 hours30 days2050010>85%KES24 hours30 days2050010>85%ZAR24 hours30 days2050010>85%ETB24 hours30 days2050010>85%GHS24 hours24 hours20--10>85%EU zoneEUR24 hours90 days2050010>85%GBP24 hours90 days2050010>85%PLN24 hours90 days2050010>85%OTHER KRW24 hours30 days2050010>85%INR24 hours30 days2050010>85%USD24 hours90 days2050010>85%PKR24 hours30 days2050010>85%BDT24 hours30 days2050010>85%*Net trading volume is calculated as total purchases minus total sales over a specific period. >>Learn how to post ads on MEXC P2P here Notes:As a standard user, you can post up to 2 Buy ads and 2 Sell ads. >>Apply to become a verified merchant here 

 To enhance user security, MEXC has introduced a T+N withdrawal policy for tokens purchased via the platform's payment channels. Under this policy, tokens will become eligible for withdrawal 24 to 72 hours after the purchase transaction is successfully completed. This policy currently applies to users in the following jurisdictions:Belgium, Brazil, Czech Republic, Denmark, Estonia, France, Germany, Hungary, India, Ireland, Italy, Latvia, Netherlands, Norway, Poland, Romania, Saudi Arabia, Slovakia, Spain, Switzerland, United Arab Emirates, and the United Kingdom. MEXC may update the list of affected regions at any time at its sole discretion. If you have any questions, please contact MEXC Customer Service. Thank you for your continued support.

To enhance user protection and support the integrity of the P2P market, MEXC has implemented T+1 and T+2 withdrawal rules for users from specific countries. These restrictions help mitigate risks associated with fraud, chargebacks, and fund abuse by introducing a temporary holding period for crypto assets purchased via P2P. What are T+1 and T+2 Rules?T+1: Crypto assets acquired via P2P remain non-withdrawable and cannot be used for P2P selling for 24 hours from the time of purchase.T+2: Crypto assets remain non-withdrawable and restricted from P2P selling for 48–72 hours, depending on risk tier and local compliance requirements.This restriction applies only to the crypto acquired through P2P during the escrow period. Users can continue to trade freely on other products (Spot, Futures, etc.) during this time. Benefits of T+1/T+2 Withdrawal RestrictionsThe T+N logic is designed to:Protect users by preventing the withdrawal of crypto purchased with potentially fraudulent fiat transfers.Reduce platform abuse, including chargebacks and fake bank receipts.Mitigate risk of bank account freezes due to suspicious fund movements.Support AML compliance, particularly in high-risk jurisdictions.Preserve liquidity and trust in MEXC's P2P system.By holding assets temporarily, MEXC ensures all parties in a trade are better protected, while regulatory requirements are properly followed. Who Is Affected

The White Zone is a special section within the MEXC P2P platform designed to offer a more transparent and secure trading experience. Ads displayed in the White Zone undergo manual review to ensure they meet the platform’s internal standards for payment compliance and trade structure. How It WorksFor Merchants & AdvertisersWhite Zone access is not limited to verified merchants. All P2P users can apply to list their ads in the White Zone, provided they meet the required standards.When posting an ad in the RUB market, you can apply for White Zone listing by ticking the "White Zone" checkbox.Your ad will be submitted for manual review by the MEXC team.If approved, the ad will appear in both:Standard P2P listingsThe White Zone sectionIf the ad does not meet the criteria, it will only remain visible in the standard list. The White Zone option will be temporarily disabled for that ad. Who Can TradeBuyers and sellers can access White Zone ads by:Selecting the RUB fiat market in P2PClicking the White Zone tabWhite Zone ads are displayed separately to help users identify listings that meet MEXC’s internal standards. Important: When placing an order with a White Zone ad, users must follow the platform’s trade structure and payment flow rules.This includes:Making payments only from accounts registered under your nameAvoiding third-party transfersFollowing the ad’s listed payment method and instructions strictlyFailure to follow these rules may result in trade cancellation, delayed release, or restrictions on future access to White Zone ads. Policy EnforcementTo ensure the integrity of the White Zone:Users who submit non-compliant ads three times will have their access to the White Zone permanently disabled.Attempts to bypass or manipulate the rules (e.g., using others’ payment accounts, misleading details) may result in:Loss of merchant privilegesAccount suspension from P2P trading Notification and SupportYou will be notified about ad approvals or rejections via:EmailApp notificationsInternal message centerTelegram bot (if connected)For further questions or feedback, please contact the P2P Team via email at p2p@mexc.com DisclaimerBy participating in White Zone trades, you acknowledge and agree to the following:White Zone ads are manually reviewed by MEXC before publication to ensure they meet platform standards — including compliant payment methods, accurate ad details, and adherence to trading policies. This additional layer of moderation improves the overall quality of listings and helps reduce exposure to ads that may carry a higher risk of transaction issues or policy violations. However, MEXC does not guarantee the performance of the transaction itself. Trades remain peer-to-peer and are executed directly between users. MEXC does not monitor, intervene, or control real-time transaction flow.All trades remain peer-to-peer and are governed by the MEXC P2P Service Agreement.   

What is escrow in P2P trading?Escrow is a built-in safety mechanism that protects both the buyer and the seller during a P2P transaction. When a buyer places an order on MEXC P2P, the seller's crypto is automatically locked in an escrow, i.e. temporarily held by the platform.This ensures that the seller cannot withdraw or transfer the funds while the buyer makes payment. What happens after the order is placed

OverviewThe MEXC Liquidity Partnership Program is designed to attract and support experienced P2P traders who can provide stable, high-volume liquidity across major fiat pairs. In return, selected partners receive exclusive benefits such as 0% fees, early product access, and personalized support.This program helps ensure that the MEXC P2P marketplace remains competitive, fast, and reliable, especially during peak hours and volatile market conditions. Key Benefits for Liquidity PartnersApproved liquidity partners receive:0% P2P trading fees on eligible tradesPriority onboarding and support via dedicated BD managerCustom performance-based rewards or rebatesEarly access to new features, tools, or eventsBenefits may vary slightly depending on region and activity level. Who Can Join?The program is intended for professional-level traders who meet at least one of the following profiles:High-frequency or high-volume P2P tradersOTC desks and crypto market makersVerified merchants from other platformsTrading teams with automation and API capabilitiesThis is not a beginner-level program. Applicants must demonstrate consistent performance and a strong understanding of P2P trading. RequirementsWhile specific thresholds differ by market, applicants are generally expected to meet the following criteria:Consistent daily trading volume above local benchmarksCompetitive pricing (tight spreads on Buy and Sell ads)Online availability above 80% during active hoursVerified KYC profile and clean compliance historyStrong order completion rate and good user reviewsNote: Requirements and incentive structures may differ by country. Contact your local MEXC manager to understand regional targets.All applications are reviewed individually and vary based on current market needs. How to ApplyYou can apply directly via the official program page: Buy Crypto Instantly: Secure & Easy Cryptocurrency Purchases | MEXCAlternatively, reach out to p2p@mexc.com for more details. Can I Be Removed from the Program

Last Updated: Jul 30, 2025This MEXC P2P Appeal Handling Rules (the 'Rules') form part and parcel of the MEXC P2P Service Agreement (the 'Service Agreement'). By subscribing to or using MEXC P2P, you acknowledge that you have read, understood and accepted all of the terms and conditions in these Rules and the Service Agreement, and you acknowledge and agree that you will be bound by and will comply with the terms contained herein.All terms and references used in these Rules and which are defined and construed in the MEXC User Agreement (the “User Agreement”) or the Service Agreement, but are not defined or construed in these Rules, shall have the same meaning and construction in these Rules.Overview of the Dispute Settlement ProcedureA user (Buyer or Seller) may initiate an appeal related to a P2P Order. MEXC Customer Service ("MEXC CS") will mediate to resolve the dispute. All parties are required to provide accurate, timely evidence when requested.The Rules are as follows:Appeals by the Buyer1. Seller does not release Digital Assets after payment is made by Buyera.Seller refuses to release Digital Assets intentionally and requests to cancel the Order, including for price-related reasons.If the Buyer has paid the correct amount from a payment account matching the verified name on their MEXC account, and the Seller refuses to release the Digital Assets (e.g. due to disagreements regarding the price), MEXC CS will contact both parties and allow the Seller to respond within a given timeframe.If no response is received within this timeframe, MEXC CS will manually release the Digital Assets to the Buyer — provided that the price falls within the acceptable deviation range defined below.A price deviation is considered acceptable if:For orders of 1,000 USD or less, it is within 10% below the market price; orFor orders exceeding 1,000 USD, it is within a 5% deviation threshold. If the price is outside this range, the Digital Assets will not be released. Instead, MEXC CS will require the Seller to refund the full payment. The order will only be canceled after the refund is completed and confirmed.If the Seller refuses or delays the refund without valid justification, the Digital Assets will be released to the Buyer.b.Seller fails to release the Digital Assets to the buyer in a timely manner or within a stipulated timeframe.If the Buyer has completed payment in real-time payment methodMEXC CS will contact the Seller and request the release of Digital Assets within a given timeframe.If the Seller fails to respond or release the Digital Assets within this timeframe, MEXC CS will manually release the Digital Assets to the Buyer.If the Buyer hasused a non-instant payment methodMEXC CS will contact the Seller and request that the Seller release the Digital Assets within 2 working days.If payment has not arrived, the Seller must contact MEXC CS and submit valid supporting documents (e.g., bank statements).If the Seller does not contact MEXC CS within the 2 working days provided, it will be assumed that the payment has been received, and MEXC CS will release the Digital Assets to the Buyer manually.c.Seller delays release of Digital Assets due to sensitive words in the Buyer’s payment remarksMEXC CS will contact the Seller and request either a refund or the release of the Digital Assets. If a refund is initiated, the Buyer shall bear any related fees.Once the Digital Assets are released by the Seller, the Seller shall be solely responsible for any consequences arising from the release. MEXC shall not be liable for any losses or damages resulting therefrom.2. Overpaymenta.Overpayment by BuyerMEXC CS will contact the Seller and request a refund of the excess amount. The Seller will be given a timeframe to respond, based on the case.If the Seller refuses or fails to respond, MEXC CS will review the case and may freeze the Seller’s P2P access and assets until the issue is resolved.In cases where the Seller is unable or unwilling to provide a refund, MEXC shall not be held liable for the Buyer's mistake. Refunds are handled on a best-effort basis. MEXC reserves the right to suspend users who are uncooperative during the dispute process.3. Order cancelled after paymenta.If the Buyer completes the payment but the order is cancelled — either by system timeout or by mistakeMEXC CS will review the submitted evidence. If payment is confirmed, CS will contact the Seller and request a refund within 24 hours.If the Seller refuses or does not respond, MEXC CS may freeze the Seller’s P2P access and assets until the issue is resolved.If the seller refuses to refund, MEXC is not liable for any loss resulting from the transaction. Users who are uncooperative during the process may be suspended or permanently restricted.4. Out of the norm requestsa.Seller makes any out of the norm requests (e.g. requesting social media accounts, extra verification, additional fees, or asking the Buyer to provide contact details)Additional verificationIf the Seller requests extra verification (e.g. screenshot of payment, selfie with ID), this must be clearly stated in the ad's trading terms before the order is placed. If the request was disclosed and the Buyer agrees, the trade can proceed. If the requirement was not disclosed or the Buyer refuses, MEXC CS will cancel the order.Other out-of-policy requestsIf the Seller makes requests that violate platform policy (e.g. asking for contact details, social media accounts, or charging extra fees):The Buyer may cancel the order and report the Seller.MEXC CS will cancel the order and issue a formal warning.Repeated or severe violations may lead to suspension or permanent ban from MEXC P2P.5. Offensive remarks and verbal attacksa.User used offensive language during the transaction.If a user uses offensive or abusive language in chat, comments, or communication with MEXC CS, their access to MEXC P2P may be suspended.Repeated violations may result in permanent ban and account restrictions.Disciplinary actions are determined at the discretion of MEXC CS, based on the severity and frequency of the behavior.6. Fraudulent acts or behaviour during the transactiona.User committed fraudulent acts or behaviour during the transaction.Users who have committed fraudulent acts or behaviour will have their access to MEXC P2P disabled permanently. All advertisements published by the fraudulent user will be removed.If the fraudulent acts or behaviour herein mentioned causes or is likely to cause a party to suffer any losses or damages, MEXC CS has the right to freeze or take any other appropriate action on the perpetrator's assets, including setting-off any available assets against the losses or damages suffered or is likely to be inflicted upon the wronged party.MEXC reserves the right to determine the nature and/or substance of any act or omission which may constitute fraudulent acts or behaviours.Appeals by the Seller1. Payment not receiveda.The buyer has not paid but clicked [Mark as paid] or [Transferred, Next]If the Buyer fails to make the payment, does not provide valid proof of payment (e.g. an untampered receipt from anofficial banking app/website), or cannot be reached within the given timeframe:MEXC CS will cancel the order, and the Digital Assets will be returned to the Seller.If this occurs three times or more, the Buyer’s P2P access may be partially or permanently restricted due to repeated violations.bBuyer claims that payment has been made but Seller did not receive fundsIf the Buyer provides valid proof of payment, but the Seller claims the funds were not received:MEXC CS will contact the Seller and allow up to 2 working days for the Digital Assets to be released.If the Digital Assets are not released within the given timeframe, MEXC CS may manually release the Digital Assets to the Buyer.If the Seller believes that payment was not received, they must contact MEXC CS with supporting documents.Failure to do so will be considered confirmation that payment was received.cBuyer paid to an account that is not accessible by the Seller If the Buyer transfers funds to an account that the Seller claims is inaccessible (e.g. a blocked, loan, or closed account), MEXC CS will first verify whether the Seller had clearly stated the correct payment method on the order page. Only the payment method details displayed on the system-logged order screen are considered valid and binding. Any instructions shared via chat messages, auto-replies, ad terms, or external messengers will not be treated as official.If the payment was made to an incorrect account due to the Buyer’s error:The Seller must submit valid supporting evidence within a given timeframe to prove that the funds were not received (e.g. confirmation of account block, proof of loan account, or a bank letter), or refund the payment to the Buyer.If the Seller fails to provide the required proof in time, MEXC CS will consider the funds as received and complete the order in favor of the Buyer.If the Buyer transfers funds based on information that contradicts the official payment method shown on the order page (e.g., chat instructions, ad terms, auto-replies, or external messengers), and this results in the Seller being unable to receive the funds, the Buyer will be held fully responsible. In such cases, the order may be canceled, and MEXC CS will not consider unofficial instructions as valid grounds for appeal.If the Buyer transfers funds exactly according to the payment method shown on the order details page, but the Seller had shared different instructions in chat, trading terms, or through external messages that led to failed receipt of funds, it will be considered the Seller’s mistake. In such cases, MEXC CS will release the Digital Assets in favor of the Buyer.MEXC CS will only recognize payment method details visible on the order page as valid.Repeated violations by either party may result in permanent suspension from MEXC P2P.d. Buyer violated payment terms (e.g. payment from a third-party account or multiple payments under one order)If the Seller does not release the Digital Assets due to payment violations, such as a third-party payment or multiple transactions under the same order:MEXC CS will request the Buyer to provide valid refund details (e.g. account name and number matching the original payment) within a specified timeframe.Once valid refund details are received, MEXC CS will allow the Seller a defined timeframe to complete the refund.If the Buyer fails to respond or does not provide valid refund details within the given timeframe, MEXC CS will cancel the order in the Seller’s favor.If the Buyer provides valid refund details, but the Seller fails to refund within the required timeframe, MEXC CS will proceed with releasing the Digital Assets to the Buyer.2. Underpayment by Buyera.Buyer underpaid for the Order.If the Buyer pays less than the full order amount:MEXC CS will ask the Buyer to pay the outstanding amount within a given timeframe. Any extra transaction or refund fees must be covered by the Buyer.If the Buyer fails to respond or refuses to pay, MEXC CS will instruct the Seller to refund the amount received.If the Buyer underpaid and the Seller already released the Digital Assets, MEXC CS will still request the Buyer to complete the payment. If the Buyer refuses, the Seller is responsible for the loss.Uncooperative users may face P2P suspension, and MEXC is not liable for any resulting losses.3. Malicious buying behaviora.Buyer repeatedly places orders without intent to pay.If a Buyer is found to be placing orders with no intention of completing payment — including actions intended to abuse the system by triggering the locking of the Seller’s Digital Assets, market manipulation, or other abusive behaviors — MEXC CS will investigate the case. Once confirmed, the account will be permanently suspended from MEXC P2P with no right to appeal. Additional platform restrictions may apply based on the severity of the abuse.4. Seller's account becomes blocked after receiving payment from Buyera.Seller's account becomes blocked after receiving payment from Buyer.If the Seller’s account becomes blocked (e.g. frozen or locked) after receiving the Buyer’s payment, the Buyer’s access to MEXC P2P will be suspended, and withdrawal of Digital Assets will be temporarily disabled until the issue is resolved or both parties reach a mutual agreement. Within 72 hours of receiving a request from MEXC CS, the Seller must provide evidence that the account block was caused by the Buyer’s actions (e.g. fraud report, chargeback, or bank dispute). The Buyer is required to fully cooperate and provide all necessary documentation to support the resolution process. If the Buyer fails to cooperate or submit required documents within the given timeframe, their MEXC P2P access will be permanently disabled, and their withdrawal rights may be restricted.5. Seller released crypto without confirming paymenta.Seller released crypto without confirming paymentIf a Seller releases crypto without confirming that full payment has been received in their account, they bear full responsibility for any resulting loss. MEXC will not intervene or be liable for unrecoverable funds.If the Buyer is unresponsive or refuses to cooperate, MEXC CS will suspend the Buyer's access to P2P services, and the Seller may escalate the case to law enforcement. Sellers are strongly advised to verify receipt of funds before releasing any assets.6. Offensive remarks and verbal attacksa.User used offensive language during the transaction.If a user uses offensive or abusive language in chat, comments, or communication with MEXC CS, their access to MEXC P2P may be suspended.Repeated violations may result in a permanent ban and account restrictions. Sanctions are applied based on the severity and frequency of the behavior, at the discretion of MEXC CS.7. Fraudulent acts or behaviour during the transactiona.User committed fraudulent acts or behaviour during the transaction.Users who have committed fraudulent acts or behaviour will have their access to MEXC P2P disabled permanently. All advertisements published by the fraudulent user will be removed.If the fraudulent acts or behaviour herein mentioned causes or is likely to cause a party to suffer any losses or damages, MEXC CS has the right to freeze or take any other appropriate action on the perpetrator's assets, including setting-off any available assets against the losses or damages suffered or is likely to be inflicted upon the wronged party.MEXC reserves the right to determine the nature and/or substance of any act or omission which may constitute fraudulent acts or behaviours.DisclaimersMEXC is not responsible for any losses in assets resulting from a user's failure to follow instructions from MEXC within the stipulated timeframe.MEXC is not responsible for any assets losses resulting from any trades conducted privately outside of MEXC P2P. All P2P transactions must be conducted exclusively through the MEXC P2P platform. MEXC and all users are prohibited from engaging in or supporting private transactions outside the platform. MEXC will not be held liable for any such activity.MEXC shall not be held liable for user-initiated errors, including but not limited to fraud by either the Seller or the Buyer, payments to incorrect accounts, failure to follow platform instructions, or any arrangements made off-platform.MEXC is not responsible for any losses arising from the use of incorrect or third-party communication channels, including but not limited to Telegram, WhatsApp, email, or phone calls. Users must conduct all communication related to P2P transactions and customer support exclusively through official tools integrated into the MEXC P2P platform. MEXC does not provide support or authorize any transactions conducted via external messaging platforms.MEXC reserves the right to take disciplinary action and/or any other actions MEXC deems appropriate and/or is in the best interest of MEXC or its user(s), including temporary or permanent suspension, against any user who attempts to manipulate the system, mislead Customer Support staff, defrauding the platform or other users, or exploit platform loopholes.General TermsMEXC retains the rights to final interpretation and application of the terms and conditions prescribed under these Rules and the operations thereof.MEXC reserves the right to refuse processing disputes related to orders created more than 18 months ago. The reopening of appeals will be determined at the sole discretion of MEXC on a case-by-case basis.MEXC reserves the right to change these Rules from time to time for any reason. Access to MEXC P2P is subject to these Rules, the Service Agreement, and the Legal Documents, as they are amended from time to time and published on MEXC's website.These Rules have been drafted in English. Although translations in other languages of this document may be available, such translations may not be up to date or complete. Accordingly, you agree that in the event of any conflict between the English language version of this document and any other translations thereof, the English language version of this document shall prevail.All decisions made by MEXC CS in the resolution of disputes are final and not subject to further appeal, unless explicitly stated otherwise in these Rules.Users are expected to regularly review the updated version of these Rules. Continued use of MEXC P2P following any changes shall be deemed as acceptance of the revised Rules.MEXC may monitor and log user activities for the purpose of compliance, dispute resolution, and fraud prevention. By using MEXC P2P, users agree to such monitoring as part of platform usage.

Dear MEXCer,MEXC’s P2P trading platform will gradually roll out more P2P merchant tiers! Below is an introduction to the "P2P Early Bird Merchant" tier. What is a "P2P Early Bird Merchant"?Become a P2P merchant before the corresponding fiat zone opens. This means you will be one of the earliest merchants in MEXC P2P's development journey, enjoying benefits beyond those of regular merchants and receiving generous rewards. What is the difference between "P2P Early Bird Merchants" and "P2P Regular Merchants"

Merchants who no longer wish to maintain their merchant status on MEXC P2P can submit a cancellation request through either the official website platform or mobile app. The following sections provide step-by-step instructions for cancelling one's merchant status along with important details to note. Who can cancel merchant status?Only verified merchants (approved accounts) can submit a cancellation request.If you've applied to become a verified merchant, but are not yet verified, cancellation is not possible until the application is fully processed.Important: Once your merchant application is approved, you will not be able to cancel your merchant status for the next 30 days. How to cancel merchant status via the MEXC website