HTX P2P · USDT/USD 🇺🇸
The live HTX P2P USDT/US Dollar market across 76 payment methods. Cheapest BUY: $1.00 · highest SELL: $1.20 · spread 20.00%.
Payment methods · HTX USDT/USD
| # | Payment method | Buy price | Sell price | Buy ads | Sell ads | Activity 24h |
|---|---|---|---|---|---|---|
| 1 | Bank Transfer | $1.03 | $1.20 | 7 | 51 | 92 |
| 2 | Skrill | $1.03 | $1.01 | 10 | 32 | 60 |
| 3 | Revolut | $1.13 | $1.20 | 4 | 35 | 47 |
| 4 | AirTm | $1.02 | $1.20 | 7 | 12 | 31 |
| 5 | Zelle | $1.07 | $1.20 | 3 | 16 | 54 |
| 6 | ABA Bank | — | $1.20 | 1 | 11 | 21 |
| 7 | Bank of Georgia | $1.01 | $0.99 | 2 | 10 | 32 |
| 8 | Tinkoff | $1.03 | $1.20 | 4 | 7 | 19 |
| 9 | Payoneer | $1.02 | $1.01 | 2 | 8 | 21 |
| 10 | Wing Cambodia | — | $0.99 | 1 | 9 | 15 |
| 11 | Sberbank | $1.03 | $1.10 | 4 | 5 | 17 |
| 12 | TBC Bank | $1.01 | $0.99 | 1 | 8 | 22 |
| 13 | NETELLER | $1.12 | $0.80 | 6 | 3 | 15 |
| 14 | SBP | $1.05 | $1.20 | 3 | 6 | 15 |
| 15 | Kapital Bank | $1.05 | $1.00 | 2 | 6 | 26 |
| 16 | Bank of America | — | $1.01 | 1 | 7 | 13 |
| 17 | VTB | $1.05 | $1.16 | 3 | 3 | 7 |
| 18 | Alipay | $1.00 | $1.20 | 2 | 3 | 15 |
| 19 | Alfa-Bank | $1.05 | $1.01 | 3 | 2 | 13 |
| 20 | — | $1.20 | 2 | 3 | 5 | |
| 21 | Bank Transfer (Cambodia) | — | $0.99 | 1 | 3 | 10 |
| 22 | Monobank | — | $0.97 | 1 | 3 | 4 |
| 23 | Zen | — | $0.90 | 1 | 3 | 4 |
| 24 | Bank Transfer (Vietnam) | $1.20 | $1.00 | 1 | 3 | 5 |
| 25 | Raiffeisen | $1.05 | $1.01 | 3 | 1 | 5 |
| 26 | SEPA | — | $1.20 | 1 | 3 | 4 |
| 27 | SWIFT | — | $0.98 | 1 | 3 | 4 |
| 28 | AdvCash | $1.07 | $1.00 | 2 | 1 | 5 |
| 29 | Cash | — | $1.01 | 1 | 2 | 3 |
| 30 | Privat Bank | — | $0.97 | 1 | 2 | 3 |
| 31 | Cash app | — | $0.97 | 1 | 2 | 6 |
| 32 | Credo Bank | — | $0.97 | 2 | 1 | 7 |
| 33 | SEPA Instant | — | $0.98 | 1 | 2 | 9 |
| 34 | Gcash | — | $0.97 | 1 | 2 | 3 |
| 35 | UPI | — | $0.80 | 1 | 2 | 10 |
| 36 | Kaspi Bank | — | $0.98 | 1 | 2 | 4 |
| 37 | Western Union | $1.09 | $1.20 | 1 | 2 | 6 |
| 38 | MoMo | $1.20 | $1.00 | 1 | 2 | 4 |
| 39 | Ziraat | — | $0.91 | 1 | 1 | 2 |
| 40 | ACLEDA | — | $0.98 | 1 | 1 | 2 |
| 41 | Agrobank | — | $0.90 | 1 | 1 | 2 |
| 42 | Ameriabank | — | $0.81 | 1 | 1 | 2 |
| 43 | Apple Pay | — | $0.80 | 1 | 1 | 2 |
| 44 | BBVA | — | $0.94 | 1 | 1 | 2 |
| 45 | Bakong | — | $0.99 | 1 | 1 | 2 |
| 46 | Banco Pichincha | — | $0.98 | 1 | 1 | 3 |
| 47 | Bank Transfer Peru | — | $1.20 | 1 | 1 | 3 |
| 48 | DuitNow | — | $0.97 | 1 | 1 | 2 |
| 49 | Google Pay | — | $0.80 | 1 | 1 | 2 |
| 50 | Halyk Bank | — | $0.96 | 1 | 1 | 2 |
| 51 | Inecobank | — | $0.99 | 1 | 1 | 2 |
| 52 | InfinBank | — | $1.00 | 1 | 1 | 9 |
| 53 | Jusan Bank | — | $0.96 | 1 | 1 | 3 |
| 54 | M-PESA Kenya (Safaricom) | — | $0.97 | 1 | 1 | 3 |
| 55 | MAIB | — | $0.98 | 1 | 1 | 2 |
| 56 | MTN Mobile Money | — | $0.99 | 1 | 1 | 2 |
| 57 | Moneygram | $1.20 | — | 1 | 1 | 4 |
| 58 | N26 | — | $0.94 | 1 | 1 | 2 |
| 59 | Payeer | — | $0.80 | 1 | 1 | 2 |
| 60 | Paysera | — | $0.82 | 1 | 1 | 3 |
| 61 | Produbanco | — | $0.98 | 1 | 1 | 3 |
| 62 | Raiffeisen Bank Aval | — | $0.97 | 1 | 1 | 2 |
| 63 | Russian Standard Bank | — | $0.91 | 1 | 1 | 2 |
| 64 | Touch n Go | — | $0.97 | 1 | 1 | 8 |
| 65 | True Money | — | $0.97 | 1 | 1 | 8 |
| 66 | Unibank | — | $0.81 | 1 | 1 | 4 |
| 67 | Uphold | — | $0.97 | 1 | 1 | 2 |
| 68 | Uzcard | — | $0.99 | 1 | 1 | 17 |
| 69 | Vodafone cash | — | $0.80 | 1 | 1 | 2 |
| 70 | Zinli | — | $0.98 | 1 | 1 | 2 |
| 71 | A-Bank | — | $0.99 | 1 | 1 | 4 |
| 72 | Forte Bank | — | $0.96 | — | 1 | 5 |
| 73 | Bank of the Philippine Islands (BPI) | — | $0.90 | — | 1 | 1 |
| 74 | Bank Transfer (Middle East) | — | $1.20 | — | 1 | 1 |
| 75 | Oschadbank | — | $1.00 | — | 1 | 1 |
| 76 | Landbank of the Philippines | — | $0.90 | — | 1 | 1 |
About HTX USDT/USD P2P trading
HTX'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 $1.00 and the highest SELL is $1.20, a 20.00% spread across 437 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, 76 payment rails are currently quoted. Bank Transfer, Skrill, Revolut carry the most ad volume; the table above ranks every active rail by total 24h activity. Strong RUB market post-sanctions.
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 HTX 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 HTX brings to the USD market
Strong RUB market post-sanctions. Spreads widen at off-peak hours, creating arbitrage opportunities versus Binance/Bybit. Decent INR/IDR depth.
Fees + KYC: 0% trading fees on most P2P markets. KYC required above unverified limits. Operates from Seychelles + Hong Kong; rebranded from Huobi in 2023.
Frequently asked questions
What is the live HTX P2P USDT/USD rate?+
As of the most recent HTX sync, the cheapest BUY price is $1.00 and the highest SELL price is $1.20 across 76 active payment methods. The full per-payment-method breakdown is in the table above.
What payment methods does HTX support for USD?+
HTX currently supports 76 active payment methods for USDT/USD: Bank Transfer, Skrill, Revolut, AirTm, Zelle, ABA Bank, plus 70 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.
Is HTX the same as Huobi?+
Yes. HTX rebranded from Huobi in late 2023 after the Justin Sun-led ownership transition. The platform, P2P market, and merchant pool carried over; only the brand changed. Domain redirects from huobi.com to htx.com remain active.
Is HTX P2P safe to use?+
HTX uses standard escrow — crypto is locked in HTX custody until the seller confirms fiat receipt. Counterparty risk is on the off-platform payment rail. Always check merchant completion rate (≥95%) and order count (≥1000) before large trades, regardless of platform.
How does OpenRate get this HTX USD data?+
For HTX we crawl their public P2P API every 60 seconds and write merchant-level ad data to our Postgres. The aggregate per-payment-method numbers above are reconciled against p2p.army's TOP1 snapshot every 30 minutes.