NoOnes Review 2026: P2P Fees, KYC Levels, Products, Restrictions & Safety

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Feb 08, 2026, 2:15 PM

If you’ve ever used P2P, you know the truth: the real product isn’t the app — it’s the marketplace trust layer. Escrow, disputes, verified profiles, payment-method rules. That’s the stuff that keeps P2P from turning into chaos.

NoOnes leans hard into that reality. It positions itself as a P2P-first marketplace (built for local rails and emerging-market payments), then wraps it with practical add-ons: swaps, gift cards, a wallet experience, a spot exchange module, an OTC desk, a Visa card, and developer APIs.

It’s not trying to be “just another exchange.” It’s aiming to be a full money-and-crypto hub — with P2P at the center.

Contents

Quick platform snapshot

Category	NoOnes at a glance
What it is	P2P crypto marketplace with escrow + wallet + swap + additional services
CEO	Ray Youssef
Core assets (platform focus)	BTC and stablecoins (including USDT/USDC) plus other supported crypto assets depending on feature
Core mechanics	P2P escrow trades + dispute resolution + local payment methods
Key extras	Swap, gift card store, P2P gift cards, spot exchange, OTC desk, Visa card, partner program, API docs
KYC/verification	Tiered levels (L0–L3) with limits and feature gates
Blocked countries	Cuba, Iran, Israel, North Korea, Panama, Syria, UAE, USA (incl. certain US territories)

1) Background: leadership and positioning

NoOnes presents itself as a global P2P marketplace and financial communication-style super app. The platform is led by Ray Youssef (CEO) and promotes a mission of improving access to financial rails in the Global South through peer-to-peer markets.

2) Full list of NoOnes services and products

Below is the full product map, grouped the way users actually experience it.

A) P2P marketplace (the core)

Buy and sell crypto via P2P offers: users post offers with prices, limits, and payment methods.
Escrow protection: crypto is held in escrow during a trade and released when payment is confirmed.
Disputes & moderation: dispute flow for contested trades.
Local payment methods: marketplace supports many payment categories (bank transfer, mobile money, cash, online wallets, gift cards, and more).
Offer management: create/publish offers, set pricing logic (market price vs fixed), define trade terms and requirements.

B) Swap / conversion

Swap between supported pairs with displayed fees and provider charges (see Fees section).
Designed for quick conversion rather than order-book trading.

C) Gift cards

Gift card store: buy/sell gift cards through the platform’s gift card features.
P2P gift cards: gift-card based trading rails inside the marketplace.

D) Wallet

Free crypto wallet for verified users (feature access depends on verification level).
Includes sending/receiving, limits by verification tier, and Lightning-related transaction limits (where applicable).

E) Spot exchange (order-book trading module)

A separate Spot Exchange feature with maker/taker fees (distinct from P2P escrow pricing).

F) OTC desk

OTC Desk for larger, negotiated execution workflows (availability and eligibility can vary by region and compliance checks).

G) Visa card

Visa card feature with activation/termination and top-up fees (see Fees section), plus additional charges for certain non-US transactions.

H) Crypto-to-fiat rails

Crypto to Bank and Crypto to Mobile Money (MoMo) conversion services with stated percentage fees.

I) Programs & ecosystem

Partner / affiliate program: multi-level partner rewards tied to trading fees generated by referred users.
Vendor fee discount program: volume-based discounts for vendors.
Academy / education: learning hub content.
API documentation: developer access for integrations and trading-related tooling.

3) Fees and costs (what you actually pay)

A) P2P marketplace fees

NoOnes distinguishes between buying and selling on P2P.

Buy fees (P2P):

Credit/debit cards: No fee
Digital currencies: No fee
Online wallets: No fee
Cash: No fee
Mobile money: No fee
Gift cards: 2.2%

Sell fees (P2P):

Credit/debit cards: 1%
Digital currencies: 1%
Online wallets: 1%
Cash: 1%
Mobile money: 1%
Gift cards: 5%

B) USDT/USDC bank transfer fees (volume-tiered)

Buy (Bank transfer): No fee

Sell (Bank transfer): fee depends on your previous month’s trading volume:

< $50,000: 1%
$50,000 – $500,000: 0.75%
$500,000 – $1,000,000: 0.5%
> $1,000,000: 0.25%

C) Spot exchange fees

NoOnes publishes maker/taker pricing for the Spot Exchange:

Taker: 0.20%
Maker (limit orders): 0.19%

Some specific pairs are listed with lower fees: 0.16% taker / 0.15% maker for SOL/USDT, BNB/USDT, TRX/USDT, LTC/USDT, BCH/USDT.

D) Swap fees

XMR/USDT: 1% + provider fee
BTC/USDT: 0.09%–0.15% + provider fee
All other swap pairs: 0.15% + provider fee

E) Crypto-to-fiat conversion fees

Crypto to Bank: 3.5%
Crypto to MoMo: 3.5%

F) Visa card fees (selected published items)

Card activation/termination: 1 USDT
Top-ups:
- < $100: 2 USDT
- > $100: 1.5% (minimum 2 USDT)
Non-US transactions: 3% + $0.50

4) KYC and AML: verification levels, limits, and what unlocks what

NoOnes uses tiered verification. The practical takeaway is simple: you can’t trade at Level 0, Level 1 introduces limits, and Level 2+ removes most caps.

Level 0

Email sign-up and basic account creation
No trading yet

Level 1 (Email + Name + Date of Birth)

Daily limit: $1,000
Lifetime trade limit: $10,000
Lifetime wallet send-out limit: $5,000
Enables P2P trading, wallet usage, and conversions within limits

Level 1 Plus (Basic verification)

Designed for regions where standard ID verification is harder; allows identity verification using a valid document in supported locations
Unlocks the ability to create and publish offers (where applicable)

Level 2 (ID verification)

Removes daily and lifetime limits
Per-trade limit: $100,000
Access to more payment methods and full offer publishing

Level 3 (Address verification)

Higher per-trade capacity (published as up to $1,000,000 per trade)
Address checks are not always required for everyone, but can be requested by the platform for security/compliance reasons

Important product gating note: NoOnes states that some services (such as withdrawal to a bank account, mobile wallet, or virtual cards) can require ID verification.

5) Availability: blocked countries (official list)

NoOnes states access is blocked (no services offered) for users from:

Cuba, Iran, Israel, North Korea, Panama, Syria, UAE, USA, including Commonwealth of the Northern Mariana Islands, Guam, Puerto Rico, U.S. Virgin Islands.

6) Safety basics: what NoOnes emphasizes

P2P safety is mostly process discipline. NoOnes’ guidance repeatedly leans on a few core rules:

Keep communication and proof inside the platform
Verify payment before releasing crypto
Use escrow properly and escalate to disputes when needed
Expect tighter rules for certain payment methods (restrictions can apply by country and method)

Who NoOnes is best for

Users who need local payment rails and want P2P with escrow protection
Traders who buy with bank transfer/mobile money and sell at predictable fee bands
Users who want P2P plus extras (swap, wallet, gift cards, card, OTC) without juggling multiple apps
Vendors who can benefit from fee discount programs and partner/affiliate economics

FAQ

Is NoOnes an exchange or a wallet?
It’s primarily a P2P marketplace with escrow, plus a wallet and additional modules like swap, spot exchange, OTC, and card features.
Who is the CEO of NoOnes?
NoOnes publicly lists Ray Youssef as CEO.
What are NoOnes P2P fees?
For many payment types, buyers pay no fee, while sellers pay 1% (and 5% for gift-card sells). Gift-card buys are listed at 2.2%.
Does NoOnes require KYC?
Yes, through tiered verification. You can’t trade at Level 0; Level 1 enables trading with limits; Level 2+ removes most caps.
What are the main verification limits?
Level 1 starts at $1,000/day with lifetime caps. Level 2 removes daily/lifetime limits and sets a $100,000 per-trade cap. Level 3 increases per-trade capacity up to $1,000,000.
Does NoOnes have a spot exchange?
Yes. NoOnes publishes maker/taker fees for its Spot Exchange, starting at 0.19% maker / 0.20% taker.
Does NoOnes offer swaps and crypto-to-fiat?
Yes. Swap fees are listed per pair category, and crypto-to-bank / crypto-to-mobile-money conversion is listed at 3.5%.
Does NoOnes have a Visa card?
Yes, with published activation/termination and top-up fees, plus a fee line for certain non-US transactions.
Which countries are blocked on NoOnes?
NoOnes lists blocked access for Cuba, Iran, Israel, North Korea, Panama, Syria, UAE, and the USA (including several US territories).
Is NoOnes good for gift-card based trading?
It supports gift-card trading, but fees are higher than standard payment rails (gift-card sell fee is listed at 5%), so it’s typically used when gift cards are the practical local rail.
What’s the biggest risk with P2P marketplaces?
Payment fraud and off-platform manipulation. The safest approach is to keep everything inside the platform, verify payment properly, and use escrow/disputes as intended.