> For the complete documentation index, see [llms.txt](https://doc.longrise.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://doc.longrise.ai/rewards/p2p-trading.md).

# P2P Trading

A closed-loop ecosystem for buying and selling USDT within the platform without an external exchange — a four-tier balance structure and withdrawal policy.

***

## USDT Balance: 4 Categories

| Balance Type           | Description                                      | Withdrawable                                          |
| ---------------------- | ------------------------------------------------ | ----------------------------------------------------- |
| ① Withdrawable Balance | USDT available for withdrawal                    | Immediately withdrawable                              |
| ② Deposit Balance      | Pending deposit / not yet applied to a package   | Converts after package purchase                       |
| ③ Package Value        | Principal of a purchased package (under lock-up) | Locked until maturity                                 |
| ④ Bonus USDT           | Additional bonus tied to AI trading revenue      | Withdrawable after converting to withdrawable balance |

## Withdrawal Policy

| Item                        | Policy                                                           |
| --------------------------- | ---------------------------------------------------------------- |
| Withdrawal Fee              | $0.5 (fixed Solana network fee, based on Binance's fee schedule) |
| Withdrawal Batch Processing | UTC 00:00–02:00 (automatic, once daily)                          |
| Payout Time                 | UTC 06:00 (prior day's earnings)                                 |
| Minimum Withdrawal          | $10                                                              |
| Maximum Withdrawal          | Varies by package (VIP: $10,000 daily limit)                     |
| Processing Time             | Up to 26 hours                                                   |

## Participant Roles (6% Margin Model)

| Participant                  | USDT Purchase Rate     | Recognized Value                | Total Margin |
| ---------------------------- | ---------------------- | ------------------------------- | ------------ |
| Designated liquidity partner | 97% of reference price | 103% of reference price         | 6%           |
| General member (seller)      | —                      | Sells at 97% of reference price | —            |

## Reputation Rating System

| Tier | Status  | Description                                                      |
| ---- | ------- | ---------------------------------------------------------------- |
| ⭐⭐   | Good    | Full trading access                                              |
| ⭐    | Warning | After a first confirmed fraud report                             |
| 🔒   | Locked  | Account permanently locked after a second confirmed fraud report |

> "⚠️ You have 2 chances. First fraud: -1 star. Second fraud: Account Locked Forever."

## Withdrawal Flow Example ($500 Withdrawal)

1. $500 in AI earnings generated → credited to \[Bonus USDT]
2. Request conversion to \[Withdrawable Balance]
3. Processed in the UTC 00:00–02:00 batch
4. Fixed Solana network fee of $0.5 deducted → **net receipt of $499.50**


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