OKX P2P · USDT/USD 🇺🇸
The live OKX P2P USDT/US Dollar market across 120 payment methods. Cheapest BUY: $1.00 · highest SELL: $1.29 · spread 28.34%.
Payment methods · OKX USDT/USD
| # | Payment method | Buy price | Sell price | Buy ads | Sell ads | Activity 24h |
|---|---|---|---|---|---|---|
| 1 | ABA Bank | $1.00 | $1.00 | 22 | 67 | 89 |
| 2 | Payoneer | $1.00 | $1.00 | 44 | 19 | 934 |
| 3 | ACLEDA | $1.00 | $1.00 | 13 | 47 | 874 |
| 4 | Wing Money | $1.00 | $1.00 | 15 | 42 | 57 |
| 5 | AirTM | $1.01 | $1.00 | 40 | 12 | 422 |
| 6 | Skrill | $1.03 | $1.00 | 30 | 14 | 315 |
| 7 | KHQR | $1.00 | $1.00 | 9 | 32 | 809 |
| 8 | Whish Money | $1.00 | $0.99 | 25 | 9 | 34 |
| 9 | Zelle | $1.06 | $1.01 | 6 | 23 | 159 |
| 10 | TrueMoney (cambodia) | $1.00 | $1.00 | 10 | 17 | 27 |
| 11 | Web Money | $1.31 | $1.29 | 13 | 13 | 103 |
| 12 | Dukascopy | $1.05 | $1.00 | 16 | 8 | 117 |
| 13 | Neteller | $1.06 | $0.99 | 19 | 5 | 219 |
| 14 | Bank Transfer | $1.02 | $1.01 | 8 | 15 | 23 |
| 15 | WMZ | $1.31 | $1.29 | 10 | 12 | 78 |
| 16 | Bank of Georgia | $1.01 | $0.99 | 8 | 8 | 16 |
| 17 | Revolut | $1.02 | $0.99 | 8 | 5 | 65 |
| 18 | WallyTech | $1.04 | $1.00 | 10 | 3 | 48 |
| 19 | TBC Bank | $1.01 | $0.98 | 5 | 8 | 13 |
| 20 | Banco Pichicha | $1.02 | $0.98 | 10 | 2 | 12 |
| 21 | Western Union | $1.03 | — | 11 | 1 | 184 |
| 22 | MoneyGram | $1.03 | — | 11 | 1 | 248 |
| 23 | Bank Tranfer (Cambodia) | $1.00 | $1.00 | 5 | 6 | 11 |
| 24 | Remitly | $1.05 | — | 11 | — | 200 |
| 25 | Visa Direct | $1.02 | $0.98 | 8 | 3 | 11 |
| 26 | Banco del Pacifico | $1.02 | $0.99 | 8 | 3 | 11 |
| 27 | Credit Bank of Peru | $1.01 | $1.00 | 6 | 5 | 11 |
| 28 | Banco Guayaquil | $1.02 | $0.98 | 8 | 2 | 10 |
| 29 | Produbanco | $1.02 | $0.99 | 8 | 2 | 143 |
| 30 | Zinli | $1.04 | $0.97 | 7 | 2 | 67 |
| 31 | Transfer ACH | $1.03 | $1.01 | 3 | 6 | 9 |
| 32 | Bakong | — | $1.00 | — | 9 | 113 |
| 33 | Banco de Credito | $1.02 | $1.00 | 5 | 4 | 9 |
| 34 | INTERBANK | $1.01 | $1.00 | 5 | 3 | 124 |
| 35 | Banesco Panama | $1.07 | $0.99 | 4 | 3 | 7 |
| 36 | Banco Bolivariano | $1.03 | $0.98 | 5 | 2 | 7 |
| 37 | BBVA | $1.04 | $0.99 | 4 | 3 | 39 |
| 38 | Mercantil Bank Panama | $1.07 | $0.99 | 4 | 3 | 7 |
| 39 | World Remit | $1.10 | — | 7 | — | 7 |
| 40 | Sathapana Bank | $1.00 | $1.00 | 1 | 6 | 7 |
| 41 | Paysend | $1.02 | — | 5 | 1 | 142 |
| 42 | Pyypl | $1.15 | $1.05 | 1 | 5 | 70 |
| 43 | Banco General Panama | $1.07 | $0.98 | 4 | 1 | 5 |
| 44 | Scotiabank Peru | $1.02 | $0.99 | 2 | 3 | 5 |
| 45 | KICB | $1.04 | $0.99 | 2 | 3 | 17 |
| 46 | Bakai Bank | $1.04 | $0.99 | 1 | 3 | 4 |
| 47 | Aiyl Bank | — | $0.99 | 1 | 3 | 4 |
| 48 | KKB (Kyrgyzkommertsbank) | $1.13 | $0.99 | 1 | 3 | 4 |
| 49 | Ameriabank | $1.05 | $1.00 | 1 | 3 | 38 |
| 50 | O!Money | $1.04 | $0.99 | 1 | 3 | 15 |
| 51 | TowerBank | $1.03 | — | 3 | 1 | 10 |
| 52 | Cash App | — | $1.00 | 1 | 3 | 4 |
| 53 | DEMIRBANK | $1.04 | $0.99 | 1 | 2 | 14 |
| 54 | Al-Rafdin QiServices | — | $0.80 | — | 3 | 3 |
| 55 | Banco Brubank | $1.10 | $1.00 | 1 | 2 | 3 |
| 56 | Banco Nacional de Panama | $1.07 | — | 2 | 1 | 3 |
| 57 | Banistmo Panama | $1.10 | $0.98 | 2 | 1 | 3 |
| 58 | Global66 | $1.07 | — | 2 | 1 | 47 |
| 59 | HSBC Argentina | — | $1.00 | 1 | 2 | 3 |
| 60 | Kapital Bank | — | $0.98 | 1 | 2 | 3 |
| 61 | Kompanion Bank | — | $0.99 | 1 | 2 | 3 |
| 62 | MoMo | $1.05 | — | 2 | 1 | 4 |
| 63 | Naranja X | $1.10 | $1.00 | 1 | 2 | 3 |
| 64 | Payeer | $1.15 | — | 2 | 1 | 51 |
| 65 | Tower Bank | $1.03 | — | 2 | 1 | 3 |
| 66 | Zain Cash | $1.25 | — | 1 | 2 | 3 |
| 67 | Zen | $1.13 | — | 2 | 1 | 19 |
| 68 | Paysera | $1.18 | — | 1 | 1 | 18 |
| 69 | Multibank Panamá | $1.12 | — | 1 | 1 | 2 |
| 70 | N26 | — | $0.98 | — | 2 | 21 |
| 71 | ZaloPay | $1.20 | — | 1 | 1 | 2 |
| 72 | Facebank | — | $0.90 | 1 | 1 | 6 |
| 73 | FINCA bank | — | $0.99 | — | 2 | 2 |
| 74 | Mony | — | $0.99 | 1 | 1 | 3 |
| 75 | Pipolpay | $1.17 | — | 1 | 1 | 2 |
| 76 | Prex | $1.07 | — | 1 | 1 | 13 |
| 77 | RSK (Eldik) Bank | — | $0.99 | 1 | 1 | 2 |
| 78 | Reba | — | $0.99 | 1 | 1 | 2 |
| 79 | Capital Bank | — | $0.99 | 1 | 1 | 2 |
| 80 | Canadia | — | $0.98 | 1 | 1 | 95 |
| 81 | Scotiabank | — | $0.75 | 1 | 1 | 20 |
| 82 | Shinhan Cambodia | $1.00 | — | 1 | 1 | 2 |
| 83 | Bank Of Baku | $1.13 | — | 1 | 1 | 2 |
| 84 | Banco Hipotecario | — | $1.01 | 1 | 1 | 2 |
| 85 | BAC Costa Rica | $1.06 | — | 1 | 1 | 2 |
| 86 | Ardshinbank | $1.13 | — | 1 | 1 | 5 |
| 87 | Afriex | $1.13 | — | 2 | — | 66 |
| 88 | Inecobank | $1.13 | — | 1 | 1 | 5 |
| 89 | Wirex | — | $0.75 | 1 | 1 | 2 |
| 90 | IDBank | — | $0.96 | 1 | 1 | 6 |
| 91 | STC Pay | — | $0.76 | — | 1 | 1 |
| 92 | Arab Bank | — | $0.80 | — | 1 | 1 |
| 93 | ADCB | — | $0.91 | — | 1 | 1 |
| 94 | Scotiabank Panamá | $1.20 | — | 1 | — | 1 |
| 95 | Caja de ahorros Panama | $1.12 | — | 1 | — | 1 |
| 96 | Access Bank | — | $0.99 | — | 1 | 1 |
| 97 | Bunq | — | $0.75 | — | 1 | 1 |
| 98 | Switch | $1.25 | — | 1 | — | 37 |
| 99 | Monzo | — | $0.75 | — | 1 | 1 |
| 100 | MultiBank | $1.20 | — | 1 | — | 2 |
| 101 | Global Bank Panamá | $1.12 | — | 1 | — | 1 |
| 102 | iCard | — | $0.94 | — | 1 | 1 |
| 103 | Banco de Costa Rica | $1.06 | — | 1 | — | 1 |
| 104 | Banco Promerica SV | — | $0.95 | — | 1 | 1 |
| 105 | Banco Popular Dominicano | — | $0.90 | — | 1 | 1 |
| 106 | Pagomovil | — | $0.90 | — | 1 | 1 |
| 107 | ACELDA Bank Laos | — | $0.99 | — | 1 | 1 |
| 108 | Emirates NBD | — | $0.91 | — | 1 | 1 |
| 109 | Davivienda | $1.10 | — | 1 | — | 17 |
| 110 | UTOPPIA | $1.04 | — | 1 | — | 11 |
| 111 | Uphold | $1.12 | — | 1 | — | 34 |
| 112 | Banco Itau Uruguay | — | $0.75 | — | 1 | 1 |
| 113 | ConverseBank | $1.05 | — | 1 | — | 36 |
| 114 | Punto Pago Panama | $1.12 | — | 1 | — | 1 |
| 115 | Click | — | $0.80 | — | 1 | 1 |
| 116 | ACBA bank | $1.13 | — | 1 | — | 1 |
| 117 | Kash | $1.10 | — | 1 | — | 17 |
| 118 | Cash | $1.10 | — | 1 | — | 1 |
| 119 | Kasikornthaibank Lao - KBank | — | $0.91 | — | 1 | 1 |
| 120 | SHB Lao - Saigon Hanoi Bank | — | $0.50 | — | 1 | 1 |
About OKX USDT/USD P2P trading
OKX'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 $1.29, a 28.34% spread across 1.0K 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, 120 payment rails are currently quoted. ABA Bank, Payoneer, ACLEDA carry the most ad volume; the table above ranks every active rail by total 24h activity. Strong Asian fiat coverage (INR, IDR, VND, THB, MYR).
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 OKX 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 OKX brings to the USD market
Strong Asian fiat coverage (INR, IDR, VND, THB, MYR). UPI + IMPS depth on INR is competitive with Binance. Aggressive Chinese-merchant pool keeps spreads tight during Asian business hours.
Fees + KYC: 0% trading fees on most P2P markets. KYC required above unverified limits. FIU-IND registered (India). Restricted in some EU jurisdictions during MiCA transition.
Frequently asked questions
What is the live OKX P2P USDT/USD rate?+
As of the most recent OKX sync, the cheapest BUY price is $1.00 and the highest SELL price is $1.29 across 120 active payment methods. The full per-payment-method breakdown is in the table above.
What payment methods does OKX support for USD?+
OKX currently supports 120 active payment methods for USDT/USD: ABA Bank, Payoneer, ACLEDA, Wing Money, AirTM, Skrill, plus 114 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 is OKX P2P spread tighter during Asian hours?+
OKX has a high concentration of Chinese-speaking merchants (its origin market). They're most active during Asian business hours, creating dense competition for the buy and sell sides. Spreads on INR, IDR, and VND visibly tighten between 02:00 and 14:00 UTC.
Is OKX P2P available in the EU?+
Restricted during the MiCA transition. OKX has been retracting some EU services and rolling out an MiCA-compliant version per jurisdiction. Check okx.com/p2p-markets for your country's current availability before depositing.
How does OpenRate get this OKX USD data?+
For OKX 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.