A P2P (peer-to-peer) transfer allows you to send crypto instantly and free of charge to another MAAARPay user.

You can send funds using a UID, email address, or phone number linked to a MAAARPay account.

Follow the steps below to complete a P2P transfer.

Step 1: Log In to Your Account

Open the MAAARPay app and log in using:

  • PIN

  • Face ID

  • Fingerprint

Authentication method depends on your device settings.

Step 2: Tap “Send” on the Home Screen

From the home screen, tap the Send button.

This opens the P2P transfer screen.

Step 3: Enter or Select the Recipient

You can send funds by:

  • Entering the recipient’s UID

  • Entering their email address

  • Entering their phone number

  • Selecting a contact from your Recent Recipients list

If the entered information is not linked to an existing MAAARPay account, the transfer will not proceed.

Always verify recipient details before continuing.

Step 4: Enter the Transfer Amount

After selecting the recipient:

  • Review the displayed recipient information

  • View your available wallet balance

  • Enter the amount you wish to send

Ensure you have sufficient balance before proceeding.

Step 5: Swipe to Confirm the Transfer

To complete the P2P transfer:

  • Swipe the Transfer button

  • Confirm using Face ID, fingerprint, or PIN

Once authenticated, the transaction is processed instantly.

Transaction Details

  • P2P transfers between MAAARPay users are instant.

  • There are no fees for MAAARPay-to-MAAARPay transfers.

Once completed, the recipient receives the funds immediately.

Transfer Limits

  • P2P transfers between MAAARPay users are instant and free.

  • If you have recently changed your account password, you will not be able to send more than $1,000 USD (or equivalent) within the first 24 hours after the change.

  • After 24 hours, there are no additional transfer limits.

This temporary restriction is applied for account security purposes.