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You tell us what currency you need and what you can provide. We match you with someone whose needs are the reverse of yours, then you connect directly and settle independently — XPairwise never touches the money.

No — you can fill out a matching request and preview the verification menu before creating an account. Nothing is submitted to an XPairwise account until you sign up; your browser may temporarily store an in-progress request so you don't lose what you've entered.

Requests above your match cap are automatically split into sequential chunks, released one at a time as each prior chunk resolves.

By trust score, verification level, and response-rate history. Currency compatibility, amount, shared language, a shared communication platform, and sanctions eligibility are hard requirements, not ranking factors.

It reflects the strongest verification path you've completed (affiliation email, professional license, vouch code, linked account, or government ID). We keep the badge — not the underlying document or credential — see our Safety & Privacy page for specifics.

New accounts start conservative by design — the score reflects how much evidence we have, not just your success rate. It rises as you complete more matches.

Yes — contact support and we'll take care of it by hand, to make sure nothing active gets interrupted unexpectedly.

Your email address and phone number are never shown to another user, at any point. After mutual acceptance, only the communication method you approve is shared with your counterpart — and your legal name, only if you're both ID-verified.