# How Offer Matching Works

Unigox matches trades based on **payment network** compatibility — not just identical payment methods. This means more matches, faster trades, and simpler setup for vendors.

#### **How it works**

1. You select your fiat currency and bank or wallet.
2. You enter how much crypto to buy or sell.
3. The matching engine checks all active listings:
   * Does the vendor's payment method belong to the same payment network?
   * Is the vendor online and eligible?
   * Does the amount fit within their min/max range?
4. The best available match is selected.
5. Fiat payment is made and verified.
6. Crypto is automatically released from on-chain escrow.

#### **What are payment networks?**

A payment network is a group of compatible banks or wallets that can transfer funds to each other. Examples:

* **SEPA** — Europe's standardized Euro payment network
* **PIX** — Brazil's instant payment system
* **UPI** — India's real-time mobile transfer system
* **NIBSS** — Nigeria's interbank settlement system
* **Faster Payments** — Instant GBP payments in the UK
* **CBU / CVU** — Argentina's bank and virtual wallet transfer networks
* **MTN, Airtel, Vodafone, Telecel** — Mobile money operators in Ghana

Vendors select one payment method, and the engine matches them with any user whose method belongs to the same network.

### 🌍 Example 1: Argentina — CBU Network Matching

| Role   | Bank / Wallet | Transfer Type | Payment Network | Match? |
| ------ | ------------- | ------------- | --------------- | ------ |
| User   | Banco Galicia | CBU           | ✅ CBU           | ✅      |
| Vendor | BBVA          | CBU           | ✅ CBU           | ✅      |

Even though the bank names differ, both belong to the CBU network. Unigox matches them seamlessly.

No need for vendor to list 20+ Argentinian banks.

💡 For Argentina, even if you create an offer with CBU network payment details, you will be matched with somebody who has entered CVU network payment details. 

### 💳 Example 2: Europe — SEPA Network Matching

| Role   | Payment Method | Payment Network | Match? |
| ------ | -------------- | --------------- | ------ |
| User   | Deutsche Bank  | SEPA            | ✅      |
| Vendor | Revolut (EUR)  | SEPA (enabled)  | ✅      |

User chooses a German bank. Vendor has Revolut but supports SEPA transfers.

Our system matches based on SEPA, not brand. This allows smoother cross-platform matching.

### 📱 Example 3: Ghana - multiple mobile wallets

| Role   | Payment Method | Payment Network  | Match? |
| ------ | -------------- | ---------------- | ------ |
| User   | MoMo           | MTN Mobile Money | ✅      |
| Vendor | Vodafone Cash  | Vodafone         | ✅      |

Even though Ghana has 4 major mobile networks like

* MTN Mobile (Money)
* Airtel (Money)
* Telecel (Cash)
* Vodafone (Cash)

Our system will be able to match you with anybody else in Ghana, even in a different mobile network.

💡 As a vendor, you can set extra fees when you are sending money to another mobile network because the mobile network charges you extra fees.

I.e, you are sending 200 GHS from your MoMo to Telecel Cash, you can set an extra fixed or percentage fee when your trade partner has other than MoMo payment network.

### 🔐 Why It Works Better

| Feature                   | Other P2P Platforms        | Unigox                          |
| ------------------------- | -------------------------- | ------------------------------- |
| Payment matching          | Exact method only          | Network-based (SEPA, CBU, etc.) |
| Chat                      | Required                   | ❌ None                          |
| Fiat payment verification | Manual screenshots / trust | ✅ ZK-TLS or vetted vendor       |
| Escrow                    | Often manual release       | ✅ On-chain, auto-released       |
| Vendor setup              | Dozens of methods to list  | ✅ One account per network       |


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