I used to think P2P was the easiest way to settle crypto in India, but over time I realized the hidden friction was too high. The biggest issue wasn’t just price – it was the uncertainty around bank transfers, delayed confirmations, fake payment screenshots, and the constant risk of disputes when something went wrong.
What looked simple on the surface often turned into a support headache. One bad counterparty can freeze the whole process, and if you do this often, the operational stress adds up fast. For me, the real cost of P2P wasn’t the fee – it was the time, risk, and mental load.
I also didn’t like how messy the process became when amounts got larger. At that point, “cheap” stops mattering as much as clean settlement and reliability. I’d rather use a more structured flow where the settlement is predictable than keep gambling on random counterparties.
Curious how others see it: are you still using P2P, or have you moved to better on/off-ramp options?
Just to clarify, I’m talking specifically about India here.
