Trust & Security

Every rand and every USDT moves on rails you can inspect

ZARXE is a peer-to-peer marketplace built so that no single mistake can quietly drain funds. Here is exactly how escrow, verification, withdrawals and disputes work.

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Escrow on every trade

USDT is locked by the platform before any rand moves.

Verified traders

Verification badges and real trade history on every advert.

Independent disputes

Escrow freezes until our desk reviews both sides.

Protected data

Own-row database access and private document storage.

01 — Escrow protection

The USDT is secured before you pay a cent

Escrow means the platform — not your counterparty — holds the crypto while the rand settles between the two of you.

1. Trade opens
The moment an order is created, the seller's USDT is moved into escrow and locked. It cannot be spent, re-listed or withdrawn while the trade is open.
2. Buyer pays in ZAR
The buyer sends the rand using the payment method on the advert — bank transfer, instant EFT, PayShap or Capitec Pay — inside the seller's payment window.
3. Seller confirms receipt
The seller checks their own bank balance and confirms the rand arrived. Release requires an explicit confirmation plus a one-time code sent to the account email.
4. USDT is released
Escrow releases to the buyer's ZARXE balance. The platform's 1% fee applies to each side and both traders can then rate each other.
If something goes wrong
Either side can raise a dispute from the trade room. Escrow freezes instantly — no release, no cancellation — until our dispute desk reviews the chat and the evidence uploaded by both parties.

Read the full escrow guide

02 — KYC & verification

Trade first. Verify when your volume grows.

You can trade without KYC

A ZARXE account lets you buy and sell straight away. Verification is not required to open your first escrow-protected trade.

R1 million lifetime threshold

Once your cumulative traded volume approaches R1 000 000, KYC becomes required before you can continue trading above that limit.

What we ask for

A government-issued identity document and a proof of address. Documents upload to a private bucket readable only by you and our review team.

What to expect when verification is required

• Your verification status is visible in your account at any time, along with your traded volume.
• Upload happens in-app — no email attachments, no WhatsApp, no third-party forms.
• Reviews are handled by our team; you are notified when your status changes.
• Verified accounts display a badge to counterparties on the marketplace.

03 — Verified traders

Reputation you can read before you commit

Every advert on the marketplace carries live data from the platform — not marketing copy.

Verification badge

Shows whether the trader has completed KYC.

Rating & reviews

Star ratings left by real counterparties after completed trades.

Completed trades

The trader's actual completed order count on ZARXE.

Online status

A live presence indicator so you know who is at their desk right now.

See traders on the marketplace

04 — Transaction security

What actually protects a trade

One-time code on release

Releasing escrow needs a tick-box confirmation that the rand landed plus a one-time code emailed to the account holder.

Own-row data access

Database policies restrict every table to its owner. Counterparties only ever see display name, rating and verification status.

No PII broadcast

Phone numbers and identity documents are never exposed to other traders.

Balance-backed sell adverts

A sell advert can only list USDT you actually hold, so escrow can always be funded.

Everything on the record

Chat, timestamps and evidence stay inside the trade room and are visible to our dispute desk.

Account sign-in protection

Email and password, Google or Apple sign-in. Passwords are checked against known breach databases.

Full technical detail is on the Security page.

05 — Withdrawals

Two USDT networks

USDT · TRC20 (TRON)

The cheapest and most widely used USDT network in South Africa. Choose this if your wallet or exchange address starts with a T.

USDT · BEP20 (BNB Smart Chain)

Use this for transfers to and from Binance and most EVM wallets. Addresses start with 0x.

Select the correct network

Sending USDT to an address on the wrong network will result in permanent loss of funds. Blockchain transfers cannot be reversed and ZARXE cannot recover them. Always copy the address directly from the receiving wallet and confirm it expects TRC20 or BEP20 before you confirm a withdrawal.

06 — Disputes & support

If a payment goes wrong, nothing moves

1. Message first

Most issues are a slow bank transfer. Talk in the trade room — every message is timestamped.

2. Raise a dispute

Click Dispute in the trade room. Escrow freezes: no release, no cancellation.

3. Upload evidence

Bank statement or proof of payment showing payer name, amount, reference and date.

4. We decide

Our desk reviews both sides, then releases to the buyer or returns escrow to the seller.

A buyer cannot cancel once payment has been marked as sent — the case goes to review instead. ZARXE staff will never contact you first asking for a one-time code, your password or a payment to a personal account.

Support & dispute centre Read the FAQ

Risk disclosure

Crypto asset values can be volatile and trading carries risk. Blockchain transactions are irreversible once broadcast. ZARXE is a peer-to-peer marketplace that connects buyers and sellers and holds USDT in escrow while rand payment settles between users — nothing on this site is financial advice. Only trade what you can afford to lose, keep your account credentials private, and remember that you are responsible for your own tax obligations and for complying with South African exchange control regulations.

Trade with protection built in

Open a free ZARXE account and start your first escrow-protected trade in minutes.

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