Most P2P platforms support both fixed-price ads (price stays whatever the merchant set) and floating-price ads (price follows an index +/- a configurable margin). The choice matters when you're picking which to take.
Fixed-price ads
Price doesn't move regardless of market changes. Predictable for the buyer; risky for the merchant if the market moves before they take down the ad.
Older, smaller merchants often run fixed-price ads because the floating-ad UI is more complex.
Floating-price ads
Price = index price (Binance spot USDT/INR or similar reference) × (1 + margin). When the underlying market moves, the ad price moves automatically.
Most professional merchants use floating ads — they want to maintain a fixed margin without manually re-pricing every minute.
Which to take
If you want to lock in a price: take a fixed ad and execute fast. The merchant's quote can't change once the trade is open.
If you want the cleanest market price: floating ads from professional merchants generally have tighter spreads. The price you see is closer to fair value.
Key takeaways
- Fixed = price locked once set; merchant takes the market-move risk.
- Floating = price tracks index; cleaner pricing, used by professional merchants.
- Take fixed for price-lock; take floating for tightest market-aligned pricing.
