SatoshiMarket
Live on Mainnet · No KYC · Non-Custodial

Pay any bill
with Bitcoin.

Lock your sats. A community member pays your bill. They get the sats. No bank, no exchange, no middleman. Your community takes care of you.

🧾 Pay a Bill ₿ Trade Sats 🛒 Buy & Sell 🤝 Borrow
19
Payment methods
0%
Custody risk
<1s
Settlement
2M
Max sats/trade
↓ Scroll to explore

Exchanges custody your funds.
We mathematically can't.

Every sat locked in SatoshiMarket is split into three Shamir shares. No single party — not even the server — can access the funds. Only when two of three participants agree does the trade resolve. This isn't a policy. It's cryptography.

How we compare

SatoshiMarket vs. the competition. No bias — just facts.

Feature SatoshiMarket Bisq HodlHodl RoboSats
Custody modelShamir 2-of-3
non-custodial
Multisig (non-custodial)Multisig (semi-custodial)Lightning escrow (custodial during trade)
Settlement speed< 1 second
e-cash
~1 hour (on-chain)~30 min (on-chain)~seconds (Lightning)
KYC requiredNeverNeverOptionalNever
Mobile nativeFedi Mini-App
iOS + Android
Desktop onlyWeb onlyTor browser only
Fiat off-rampChapSmart M-Pesa
built-in
Manual bank transferManual bank transferNone
Trade chatNIP-44 encrypted
built-in
Tor-basedNoneNone
PrivacyFedimint e-cash
blinded tokens
On-chain (traceable)On-chain (traceable)Lightning (routing visible)
ArbiterCommunity-chosen
1% dispute fee
DAO mediatorsHodlHodl staffNone (automated)
MarketplaceFull marketplace + lendingP2P onlyP2P onlyP2P only

Four products. One protocol.

⚖️
Escrow
The raw primitive
Lock sats, choose any arbiter, vote to release or refund. Pure 2-of-3 multisig escrow for any trade, any amount, any counterparty. The cypherpunk's tool.
P2P Exchange
Buy & sell Bitcoin, no middleman
Seller locks sats in escrow. Buyer sends fiat externally. Both confirm. Sats released. No order books, no custody, no counterparty risk. Just trade.
🛒
Marketplace
Buy anything with Bitcoin
Buyer pays with sats, seller ships goods. Escrow protects both. ChapSmart M-Pesa integration for East African off-ramp. Real commerce on e-cash.
🤝
Community Lending
Trust built through escrow
Lender locks sats, borrower confirms receipt, repays on agreed terms. Community arbiters ensure accountability. Microfinance on Bitcoin.

Built different

Every design decision serves one goal: eliminate trust.

🔐
Shamir Secret Sharing
E-cash notes split into 2-of-3 shares. Server can never access funds unilaterally. Cryptographically enforced.
Fedimint E-Cash
Blinded tokens, instant settlement, zero routing fees. Privacy by default, not by policy.
🔑
Nostr Authentication
NIP-98 signed sessions. One key, one identity. No passwords, no emails, no accounts to manage.
🌍
M-Pesa via ChapSmart
Bitcoin to mobile money. Send TZS, buy airtime, or purchase sats. Real-world rails for East Africa.

Transparent fees

Simple, fair, transparent. You always know what you're paying.

Platform fee
0.5%
On every completed trade
Arbiter fee
1%
Only on disputed trades
ChapSmart
2.2%
M-Pesa off-ramp (Bronze tier)

See it in action

P2P Trade — Voting with Fiat Received and Dispute buttons
2-of-3 Escrow Voting
Encrypted Trade Chat between buyer and seller
Encrypted Trade Chat
Trade Complete — sats delivered
Trade Complete

Understand the stack

How does it work?
New here? Read our FAQ — step-by-step guides for buying, selling, lending, and staying safe.
⚖️
Become an Arbiter
Protect your community. Resolve disputes, earn fees, and help govern your federation.
What is Bitcoin?
Sound money for the digital age. Peer-to-peer, censorship-resistant, finite supply.
🛡️
What is Fedi?
The private Bitcoin wallet for communities. Federated custody, zero counterparty risk.
🏛️
Federated Custody
Multi-guardian Bitcoin security. No single point of failure. Community-managed trust.
🔐
Shamir Secret Sharing
Split a secret into shares. Any 2 of 3 can reconstruct. The math behind our escrow.

One tap. You're in.

No registration. No KYC. No email. Just Bitcoin.

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