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Circles for Merchants

How Circles of Trust changes the merchant experience.

What Changed?​

Before, you registered directly with P2P.me. Now, you join a Circle — a group of merchants managed by an administrator who knows and trusts you.

Benefits for You​

  • Closer support from your Circle Admin
  • Community of merchants to share experiences
  • Possibility of receiving extra capital (delegated stake)
  • On-chain transparent rewards — you can verify all earnings directly on the blockchain

How to Join a Circle​

Step 1: Choose a Circle​

  • Look for active Circles in your region/currency
  • Check the reputation and conditions of each one
  • Some Circles have Telegram/Discord communities

Step 2: Stake your tokens​

  • Stake tokens as collateral (minimum varies)
  • This amount stays locked while you're a merchant
  • Serves as protection for buyers

Step 3: Set up your payment methods​

  • Add your bank accounts, PIX, etc.
  • The Circle Admin may need to approve
  • Done! You start receiving orders

Earnings​

Commission per Transaction​

Update Needed

Commission structure is being updated. Check the latest parameters in the app.

How Your Volume is Split​

When you complete transactions, your volume is split between:

  • Self Stake Share — earnings from your own staked tokens
  • Delegated Stake Share — earnings from capital delegated to you by others

This means if you have delegated capital, the total volume you process will be proportionally divided based on how much is your own stake vs. delegated stake.

Delegated Stake Distribution​

If your Circle Admin or investors delegate extra capital to you:

Who ReceivesShare
You (merchant)Based on self-stake proportion
Who delegated the capitalBased on their delegated amount
Insurance poolPortion for protection
Circle AdminAdmin fee

Insurance Pool​

Coming Soon

The insurance pool system is not yet implemented.

Each Circle will maintain an insurance pool from:

  • Merchant stake
  • Admin stake
  • A portion of each transaction

This pool will be used to:

  • Reimburse users in disputes
  • Cover transaction issues
  • Handle exceptional cases

Learn More​