Peer-to-peer currency exchange
Set your own rate. Swap with a real person.
PayMatch connects you directly with peers sending money the other way. Agree the rate between yourselves — no intermediaries, no transfer charges.
- transfer charges
- 0%
- currencies supported
- 140+
- avg. peer rating
- 4.9
transfer charges
currencies supported
avg. peer rating
Start a swap
Mid-market 655.0014 peers accept this rate today
Three steps, minutes apart
How it works
Post your swap
Say what you're sending, what you want back, and the rate you'd accept. Takes under a minute.
Negotiate directly
Chat with matched peers and settle on a rate that suits you both. Every peer is ID-verified.
Exchange securely
Funds are held until both sides confirm, then released. The swap closes in minutes.
Zero transfer charges
No transfer charges. Not now, not later.
Because the money never leaves the peer-to-peer loop, there's nothing to skim. You keep the difference that banks and agents usually take.
Built for real transfers
Why people swap here
Lower transaction costs
Cutting out intermediaries means you save on every transfer compared with traditional platforms.
Direct peer-to-peer
Transactions happen between two people, with no middleman holding or routing your money.
Transparent rates
Negotiate openly with our bidding system. No hidden spread, no surprise costs at the end.
Secure by design
Verified identities and held funds mean money only moves when both sides are satisfied.
Global reach
Local or cross-border, PayMatch connects you with peers in more than 140 currencies.
Simple to use
A clear flow anyone can follow, whether it's your first transfer or your fiftieth.
Mobile app
The all-in-one PayMatch app is live
Find matching peers, negotiate rates and complete transfers in minutes — with alerts the moment someone posts the pair you're waiting for.
Free · iOS 15+ and Android 9+
- ANAda N.Verified · 4.9★XAF → EUR250 000 XAF
- KTKelvin T.Verified · 4.8★GBP → NGN500 GBP
- SYSabastian Y.Verified · 5.0★AED → XAF3 000 AED
- MNMugri N.Verified · 4.7★USD → GHS1 200 USD
Market insights
Market insights
Africa's digital payments landscape is moving fast. PayMatch sits where cost, transparency and trust matter most.
$2.68B
Digital remittances in Africa by 2028
8.27% CAGR
$3.5B
Mobile money market size by 2032
19.3% CAGR
$303B
Digital payments in Africa by 2027
16.00% CAGR
PayMatch is a peer-to-peer currency exchange. Instead of paying a bank or agent, you match with someone sending money the other way and agree a rate between you.
Pick your two currencies, enter the amount and set the rate you'd accept. Your offer goes on the open board where matching peers can respond.
Every peer is ID-verified and rated. Funds are held until both sides confirm the transfer, so nothing is released on trust alone.
No transfer charges. You and your peer agree the rate, and the full difference stays with you.
You can withdraw any offer before a peer accepts it. Once a swap is in progress, cancelling needs both sides to agree.
The people behind it
The team
Dr. Aminkeng Z. Leke
Founder
Yunkavi Sabastian
Lead engineer
Ngoe Kelson
Lead backend developer
Frunwi Mugri Ndeh
Lead frontend developer