P2P 服务提供者指南：稳定收益与即时交易
2025/12/25
供应商通过处理用户订单获取收益的分步指南
供应商是点对点（P2P）交易服务架构中的核心支柱。他们通过质押一定数量的 USDT 代币，对用户提交的买入和卖出订单进行处理，并在每一笔交易按规则、按时完成的前提下，获得该笔交易金额 2% 的收益作为报酬。
在以下内容中，您将逐步了解订单处理的完整流程，以及用于保障供应商操作安全性、透明性和整体系统健康运行的相关规则。
1. 二级身份认证（KYC Level 2）
成为供应商的第一步是完成二级身份认证。该流程包括：
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注册一个有效且可用的手机号码
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上传一张清晰的有效身份证明文件照片
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同时上传一份银行账户证明文件，且该文件上的姓名必须与身份证明上的姓名完全一致
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录制一段清晰的自拍视频，视频中需本人手持身份证明文件，并清楚朗读系统指定的文字及当天日期
2. 质押保证金
为处理用户的买卖订单，供应商必须在系统的保证金模块中锁定一笔资金，其金额需 至少高于计划处理订单总量的 20%。
该保证金用于确保供应商履行其交易义务，在发生违规或延迟的情况下，系统将依据规则自动从保证金中扣除相应罚款。
3. 可用的法币余额
供应商必须始终在其银行账户中保持足够的法币余额，以便在处理用户出售 USDT 的订单时，能够在规定时间内完成法币转账，不得延误。
4. 在线状态与订单处理
供应商需要保持账户在线状态，持续查看系统中的活跃订单列表，并选择与自身资金状况、处理能力和流动性条件最匹配的订单进行确认和处理。
在此过程中，响应速度、操作准确性以及严格遵守时间节点，是维持供应商信誉和持续运营资格的关键因素。
供应商处理用户出售订单的分步指南
本部分详细说明当用户希望出售 USDT 并接收法币时，供应商所需执行的完整订单处理流程。在此类交易中，供应商负责完成法币支付并最终完成交易。
第一步：选择并确认订单
供应商从用户提交的 USDT 出售订单列表中选择一笔订单并在系统中进行确认。
一旦订单被确认，供应商即需严格按照平台规定的流程和时间节点，承担该订单的全部处理责任。
第二步：核对支付信息并完成转账
订单确认后，供应商必须对用户提供的收款信息进行全面、准确的核对。
相关信息包括：
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用户指定的收款账户（在中国为 WeChat Pay ID）
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收款账户持有人姓名
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精确的付款金额
供应商必须在 一小时内 完成全额付款，并在完成支付后，将交易凭证图片或完整的交易信息（包括日期、精确时间和交易追踪码）上传至账户中的指定栏位。
注意事项 1：
若付款或上传银行交易凭证的时间超过一小时但未超过两小时，供应商将 无法获得该笔交易 2% 的收益，且该交易将以 零手续费 的形式为用户完成。
注意事项 2：
若付款或提交交易凭证的时间超过两小时但未超过三小时，供应商需向用户支付 交易总额 1% 的延迟罚金，该金额将由系统自动从供应商的保证金中扣除。
注意事项 3：
若供应商已提交交易凭证，但用户在三小时内既未释放托管资金（Escrow），也未提交任何投诉，系统将自动释放用户锁定的 USDT，并将其转入供应商的现货钱包。
注意事项 4：
若用户在供应商提交交易凭证后 三小时内 提交投诉，系统将从供应商的保证金中 额外锁定高于交易金额 10% 的资金，直至仲裁流程结束。
在此期间，该部分保证金不可使用或参与交易。
仲裁处理费用为交易金额的 1%，由用户在提交投诉时支付。
在仲裁流程结束并明确责任归属后，该费用最终将由违规方承担。
注意事项 5：
用户在收到交易凭证后，必须通过手机银行或任何可用的银行系统，核对付款账户持有人的姓名是否与供应商身份信息一致。
若供应商使用第三方银行账户向用户付款，用户有权拒绝释放托管资金并提交投诉。
在此情况下，已收到的法币将判定归用户所有，且锁定的 USDT 将退回至用户的现货钱包。
供应商处理用户购买订单的分步指南
本部分说明当用户希望使用法币购买 USDT 时，供应商在整个交易流程中的职责和操作步骤。在该模式下，供应商负责接收用户支付的法币并完成交易。
第一步：选择并确认订单
供应商从用户提交的 USDT 购买订单中，选择一笔与自身流动性、处理能力或业务策略相匹配的订单，并点击确认。
订单确认后，系统将向用户展示供应商的银行账户信息（在中国为 WeChat Pay ID）以及精确的应付金额。
自此刻起，用户拥有 最多一小时 的时间，根据系统规定完成付款，并上传交易凭证或完整的交易信息（日期、精确时间及追踪码）。
第二步：核实并确认法币交易
用户提交交易凭证后，供应商有 最多一小时 的时间，通过银行系统核查：
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实际到账金额
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付款账户持有人姓名
付款必须由用户本人完成。
若付款来自第三方账户，即便法币已经到账，供应商也有权拒绝释放托管资金。
在确认所有信息真实无误后，供应商确认交易，系统将从其保证金中扣除相应数量的 USDT，并将其转入用户的现货钱包。
注意事项 1：
若用户使用非本人名下账户付款，全部付款金额将判定归供应商所有。
在此情形下，任何用户投诉均将被仲裁系统视为洗钱企图，用户将被认定为违规方。
注意事项 2：
若用户在超过一小时但未超过两小时内完成付款，系统将向用户额外收取 1% 的手续费，该费用归供应商所有。
注意事项 3：
若供应商未能在规定的一小时内完成交易核查，且在 1 至 2 小时内完成确认，则该笔交易 不产生任何收益，供应商无法获得 2% 手续费。
若确认时间超过两小时但未超过三小时，供应商需向用户支付 交易总额 1% 的延迟罚金。
注意事项 4：
在供应商三小时核查期限结束后，用户仍有 三小时 的时间通过支付仲裁费用提交投诉。
一旦投诉成立，系统将从供应商保证金中锁定 等同于交易金额加 20% 的资金，直至仲裁结果最终裁定。
该流程通常耗时 12 至 24 小时，在周末或法定节假日期间可能延长至 24 至 72 小时。
Step-by-Step Guide to Earning Income for Providers Through Processing Customer Orders
Providers are the backbone of the peer-to-peer (P2P) exchange service architecture. By staking a specified amount of USDT tokens as collateral, they process buy and sell orders submitted by customers and, in return for completing each transaction correctly and on time, receive 2% of the transaction volume as profit.
In the following sections, you will become familiar, step by step, with the order processing workflow and the rules that ensure security, transparency, and the operational integrity of providers.
1. Level 2 Identity Verification
The first requirement to operate as a provider is completing Level 2 identity verification. This stage includes registering an active phone number, uploading a clear image of a valid identification document along with a banking document bearing the same first and last name as the ID, and recording a clear selfie video.
In the video, the individual must hold their identification document, clearly state the current date, and read the text specified by the system.
2. Collateral Staking
To process customer buy and sell orders, providers are required to lock an amount equal to at least 20% more than the total volume of orders they intend to process in the system’s collateral section.
This collateral serves as a guarantee for proper performance of the provider’s obligations and will be subject to penalties in the event of violations or delays.
3. Active Fiat Balance
Providers must always maintain a sufficient fiat balance in their bank accounts to ensure that customer sell orders can be settled without delay and strictly within the defined timeframes.
4. Online Availability and Order Processing
Providers must remain online in their user accounts, continuously monitor the list of active orders, and confirm and process those orders that best match their financial capacity, liquidity, and operational conditions.
Speed, accuracy, and strict adherence to timelines at this stage are critical factors in maintaining provider credibility and continued eligibility to operate.
Step-by-Step Guide for Providers Processing Customer Sell Orders
This section explains the precise process for handling orders in which customers intend to sell USDT and receive fiat currency. In these transactions, the provider is responsible for transferring fiat funds and completing the trade.
Step One: Order Selection and Confirmation
The provider selects one order from the list of customer-submitted sell orders and confirms it within the system.
Once confirmed, full responsibility for processing the order in accordance with platform rules and timelines rests with the provider.
Step Two: Payment Information Review and Fund Transfer
After confirming the order, the provider must carefully review the payment details provided by the customer. These details include the designated receiving account (in China: WeChat Pay ID), the account holder’s name, and the exact invoice amount.
The provider must complete the payment in full within one hour and then upload an image of the transaction receipt or enter the complete transaction details, including the date, exact time, and tracking code, into the designated field.
Note 1:
If the payment or submission of the transaction receipt occurs after one hour but within two hours, the provider will not receive the 2% transaction profit, and the transaction will be processed for the customer with zero fees.
Note 2:
If the payment or receipt submission occurs after two hours but within three hours, the provider must pay a 1% delay penalty based on the total transaction volume to the customer. This amount will be automatically deducted from the provider’s collateral.
Note 3:
If the provider submits the transaction receipt but the customer does not release escrow for any reason and no complaint is filed within three hours, the system will automatically release the customer’s locked USDT and transfer it to the provider’s spot wallet.
Note 4:
If the customer files a complaint within three hours after the provider submits the transaction receipt, an amount equal to 10% more than the transaction volume will be locked from the provider’s collateral until the arbitration process is completed. During this period, the locked collateral cannot be used or traded.
The arbitration processing fee is 1% of the transaction volume, paid by the customer at the time of filing the complaint. After the arbitration process concludes and responsibility is determined, this fee will ultimately be borne by the violating party.
Note 5:
After receiving the transaction receipt, the customer must verify, using mobile banking or any available banking infrastructure, that the payer’s first and last name matches the provider’s registered identity.
If the provider uses a third-party bank account to settle with the customer, the customer is entitled to refuse releasing escrow and file a complaint. In such cases, the received fiat funds will be awarded to the customer, and the locked USDT will be returned to the customer’s spot wallet.
Step-by-Step Guide for Providers Processing Customer Buy Orders
This section explains the detailed process for handling orders in which customers intend to purchase USDT using fiat currency. In this model, the provider is responsible for receiving fiat funds from the customer and completing the transaction correctly.
Step One: Order Selection and Confirmation
The provider selects a buy order from the list of customer-submitted USDT purchase orders that aligns with their liquidity, operational capacity, or strategic preferences, and confirms it.
Upon confirmation, the system displays the provider’s bank account details (in China: WeChat Pay ID) along with the exact payable amount to the customer.
From this point, the customer has up to one hour to complete the payment according to the defined protocol and upload the transaction receipt or full transaction details, including date, exact time, and tracking code.
Step Two: Fiat Transaction Review and Confirmation
After the customer submits the transaction receipt, the provider has up to one hour to verify, through the banking system, the received amount and the name of the fiat payer.
Payment must be made strictly by the customer themselves. If the payment originates from a third-party account, the provider has the right to refuse releasing escrow, even if the fiat amount has been received.
Once all information is verified as accurate, the provider confirms the transaction, and the corresponding amount of USDT is deducted from the provider’s collateral and transferred to the customer’s spot wallet.
Note 1:
If the customer makes payment using an account not registered in their own name, the entire paid amount will be confiscated in favor of the provider.
In such cases, any complaint submitted by the customer will be classified by the arbitration system as an attempt at money laundering, and the customer will be deemed at fault.
Note 2:
If the customer completes payment after one hour but within two hours from invoice issuance, an additional 1% fee will be charged to the customer in favor of the provider.
Note 3:
If the provider fails to verify or confirm the transaction within the designated one-hour window and completes confirmation between one and two hours, the 2% transaction fee will be forfeited, and the provider will receive no profit from the trade.
If confirmation occurs after two hours but within three hours, the provider must pay a 1% delay penalty to the customer based on the total transaction volume.
Note 4:
After the provider’s three-hour verification window expires, the customer has an additional three hours to file a complaint by paying the arbitration fee.
If a complaint is filed, an amount equal to the transaction volume plus 20% will be locked from the provider’s collateral until a final ruling is issued by the arbitration system.
This process typically takes 12 to 24 hours, and during weekends or public holidays may extend to 24 to 72 hours.