Gate P2P · USDT/USD 🇺🇸
The live Gate P2P USDT/US Dollar market across 71 payment methods. Cheapest BUY: $0.72 · highest SELL: $1.30 · spread 80.53%.
Payment methods · Gate USDT/USD
| # | Payment method | Buy price | Sell price | Buy ads | Sell ads | Activity 24h |
|---|---|---|---|---|---|---|
| 1 | Garanti | $1.30 | — | 1 | 81 | 83 |
| 2 | UPI | $1.00 | — | 1 | 75 | 76 |
| 3 | SWIFT International Remittance | $0.72 | — | 2 | 71 | 82 |
| 4 | OCA Blue | $1.11 | — | 1 | 71 | 72 |
| 5 | Banco Pichincha | $1.10 | — | 1 | 71 | 72 |
| 6 | Itaú Uruguay | $1.11 | — | 1 | 71 | 72 |
| 7 | Revolut | — | $1.10 | 26 | 16 | 50 |
| 8 | Bank of Georgia | — | $1.10 | 26 | 10 | 43 |
| 9 | SEPA Instant | — | $1.10 | 26 | 9 | 42 |
| 10 | TBC Bank | — | $1.10 | 26 | 9 | 40 |
| 11 | Bank Card | $0.72 | $1.30 | 4 | 27 | 85 |
| 12 | Qatar National Bank QNB | — | $1.10 | 26 | 3 | 33 |
| 13 | MyFin | — | $1.06 | 26 | 2 | 30 |
| 14 | Banco de Credito | — | $0.90 | 26 | 2 | 28 |
| 15 | Facebank International | — | $0.90 | 26 | 1 | 27 |
| 16 | ACH Xpress Panamá | — | $0.90 | 26 | 1 | 27 |
| 17 | Ziraat | — | $1.00 | 26 | 1 | 28 |
| 18 | BBVA | — | $0.90 | 26 | 1 | 27 |
| 19 | Tower Bank | — | $0.90 | 26 | 1 | 27 |
| 20 | Banesco Panama | — | $0.90 | 26 | 1 | 27 |
| 21 | ScotiaBank Peru | — | $0.90 | 26 | 1 | 27 |
| 22 | Deniz Bank | — | $1.00 | 26 | 1 | 28 |
| 23 | Payeer | — | $0.90 | 26 | 1 | 27 |
| 24 | ING | — | $1.08 | 25 | 2 | 29 |
| 25 | Interbank | — | $0.90 | 26 | 1 | 27 |
| 26 | Privat Bank | — | $0.96 | 26 | 1 | 27 |
| 27 | Kaspi Bank | — | $0.96 | 26 | 1 | 27 |
| 28 | Mercantil Bank Panama | — | $0.90 | 26 | 1 | 27 |
| 29 | Monobank | — | $0.96 | 26 | 1 | 27 |
| 30 | Paysend | — | $0.82 | 26 | 1 | 27 |
| 31 | AirTM | $1.02 | $0.99 | 7 | 19 | 55 |
| 32 | Maybank | — | $1.08 | 25 | 1 | 28 |
| 33 | Banco del pacifico | — | $0.98 | 23 | 1 | 24 |
| 34 | Produbanco | — | $0.98 | 23 | 1 | 24 |
| 35 | Banco Internacional | — | $0.98 | 23 | 1 | 24 |
| 36 | Jusan Bank | — | $0.92 | 23 | 1 | 24 |
| 37 | Paytm | — | $0.95 | 23 | 1 | 24 |
| 38 | Banco Bolivariano | — | $0.98 | 23 | 1 | 24 |
| 39 | N26 | — | $0.99 | 20 | 1 | 21 |
| 40 | ABA Bank | $0.72 | $1.00 | 5 | 13 | 40 |
| 41 | Skrill | $1.02 | $0.99 | 8 | 10 | 40 |
| 42 | Wise | $1.10 | $0.99 | 1 | 12 | 16 |
| 43 | KHQR | $1.00 | $1.00 | 4 | 7 | 31 |
| 44 | ACLEDA | $1.00 | $1.00 | 4 | 7 | 31 |
| 45 | Web Money | $1.30 | $1.24 | 2 | 8 | 20 |
| 46 | Wing Money | $1.00 | $1.00 | 4 | 6 | 30 |
| 47 | NETELLER | $1.05 | $0.87 | 5 | 2 | 13 |
| 48 | SEPA | $0.72 | $1.07 | 1 | 6 | 11 |
| 49 | Whish MONEY | $1.02 | $0.98 | 2 | 3 | 6 |
| 50 | Freedom Bank | $1.10 | $0.97 | 1 | 4 | 10 |
| 51 | Payoneer | $1.14 | $0.99 | 2 | 3 | 15 |
| 52 | Zelle | $1.10 | $0.99 | 1 | 3 | 4 |
| 53 | Raiffeisen | $1.09 | $1.30 | 1 | 2 | 30 |
| 54 | AdvCash | $1.05 | $0.97 | 1 | 2 | 10 |
| 55 | Kapital Bank | $1.10 | $0.97 | 1 | 2 | 8 |
| 56 | SBP | $0.72 | $0.95 | 2 | 1 | 31 |
| 57 | Global66 | $1.10 | $0.90 | 2 | 1 | 3 |
| 58 | Ozan | $1.09 | $0.95 | 1 | 1 | 29 |
| 59 | Perfect Money | $0.72 | $0.90 | 1 | 1 | 3 |
| 60 | International Bank of Tajikistan | $1.10 | $0.91 | 1 | 1 | 8 |
| 61 | Humo | $1.10 | $0.91 | 1 | 1 | 8 |
| 62 | Demir Bank | $1.10 | $0.90 | 1 | 1 | 7 |
| 63 | DCBank | $1.10 | $0.91 | 1 | 1 | 8 |
| 64 | mBank | $1.10 | $0.90 | 1 | 1 | 7 |
| 65 | Cash App | $1.10 | $0.98 | 1 | 1 | 2 |
| 66 | Bakai Bank | $1.10 | $0.90 | 1 | 1 | 7 |
| 67 | Uzcard | $1.10 | $0.91 | 1 | 1 | 8 |
| 68 | Wally Tech | $1.11 | $0.90 | 1 | 1 | 2 |
| 69 | Western Union | $0.72 | $0.99 | 1 | 1 | 3 |
| 70 | Zinli | $1.11 | $0.90 | 1 | 1 | 2 |
| 71 | Orange Money-OM | $1.01 | $0.78 | 1 | 1 | 3 |
About Gate USDT/USD P2P trading
Gate's USDT/USD market is the live peer-to-peer book for United States-based users buying and selling Tether directly via local rails. The current cheapest BUY is $0.72 and the highest SELL is $1.30, a 80.53% spread across 1.5K active ads. USDT/USD typically trades ~0.5% over the official forex rate — USDT trades close to its $1 peg in USD markets — the only friction is exchange spreads and short-term peg deviations..
Across this market, 71 payment rails are currently quoted. Garanti, UPI, SWIFT International Remittance carry the most ad volume; the table above ranks every active rail by total 24h activity. Higher-quality merchant pool than newer entrants — most merchants have 1000+ monthly orders and 95%+ completion rates.
Regulator in United States: FinCEN regulates crypto money services businesses (MSB registration). State-level requirements vary — NYDFS BitLicense, California DFPI, etc.. Tax: Crypto-to-fiat trades are capital-gains events under IRS Notice 2014-21. To trade, open Gate P2P, filter by your preferred rail, and pick a merchant with completion rate ≥98% and order count ≥1,000. Don't include "crypto" or "USDT" in payment notes.
US Dollar P2P context
Typical USDT/USD premium: ~0.5%. USDT trades close to its $1 peg in USD markets — the only friction is exchange spreads and short-term peg deviations.
Tax in the United States: Crypto-to-fiat trades are capital-gains events under IRS Notice 2014-21. Short-term (≤1 year) at ordinary rates; long-term at 0/15/20%. Form 8949 + Schedule D.
Regulator: FinCEN regulates crypto money services businesses (MSB registration). State-level requirements vary — NYDFS BitLicense, California DFPI, etc.
What Gate brings to the USD market
Higher-quality merchant pool than newer entrants — most merchants have 1000+ monthly orders and 95%+ completion rates. Strong USDT focus simplifies pricing.
Fees + KYC: 0% trading fees on most P2P markets. KYC required for higher daily limits. Operates from Cayman Islands + multiple regional licensings.
Frequently asked questions
What is the live Gate P2P USDT/USD rate?+
As of the most recent Gate sync, the cheapest BUY price is $0.72 and the highest SELL price is $1.30 across 71 active payment methods. The full per-payment-method breakdown is in the table above.
What payment methods does Gate support for USD?+
Gate currently supports 71 active payment methods for USDT/USD: Garanti, UPI, SWIFT International Remittance, OCA Blue, Banco Pichincha, Itaú Uruguay, plus 65 more. Different rails have slightly different prices because they carry different settlement risk and time costs.
Is USDT/USD P2P trading legal in the US?+
Yes. Crypto trading is legal federally; FinCEN regulates money services businesses. Centralised exchanges (Coinbase, Kraken) and most P2P platforms register accordingly. Some states impose additional licensing — NYDFS BitLicense being the most prominent.
How are USDT trades taxed in the US?+
Each USDT trade is a property-transfer event under IRS Notice 2014-21. Short-term capital gains (≤1 year hold) tax at ordinary income rates; long-term (>1 year) at 0%, 15%, or 20% depending on income. Report on Form 8949 + Schedule D.
Why does Gate.io P2P have fewer but larger merchants?+
Gate.io has run its P2P market for years and the merchant pool has consolidated — most active merchants have 1000+ monthly orders. The trade-off is a smaller raw ad count but generally higher completion rates per merchant.
How does OpenRate get this Gate USD data?+
For Gate we sync p2p.army's TOP1 USD snapshot every 30 minutes — they aggregate the per-payment-method table directly from Gate's public site. We don't currently crawl Gate's P2P API ourselves.