P2P (peer-to-peer) payments can be safe, but only if you use them wisely and understand the risks.
✅ When P2P Is Safe:
You use reputable platforms like Binance P2P, PayPal, Venmo, or Wise.
You double-check the user’s rating, reviews, and transaction history.
You never release crypto before confirming you’ve received payment.
You follow platform rules (e.g., using the correct payment method and not communicating outside the app).
You only trade with verified users.
⚠️ When P2P Can Be Unsafe:
You trade with unknown or unverified users.
You send crypto first without confirming the payment.
The seller fakes payment proofs (like edited screenshots).
You move the conversation off-platform (WhatsApp, Telegram).
You fall for scams like chargebacks or impersonation.
🔐 Tips to Stay Safe:
1. Use escrow services (like Binance P2P holds your crypto until payment is confirmed).
2. Check user ratings and trade limits.
3. Don’t share personal info (ID, email, etc.) outside the platform.
4. Record everything (screenshots, chat logs) in case of disputes.
🛡️ Verdict:
P2P is safe IF you follow rules and stay cautious.
If not, it's risky and easy to get scammed.