# How Offer Matching Works

Unigox takes a new approach to how P2P trades are matched. We don’t just look for identical payment methods between buyer and seller, we go deeper by matching based on **payment network** compatibility.

We also:

* Eliminate chat between buyer and seller
* Verify fiat payments using ZK-TLS proofs (or vetted vendor status if ZK-TLS isn’t available yet)
* Use on-chain escrow to automatically release crypto once fiat is verified

This approach creates a simpler, more efficient, and fraud-resistant system.

### 🌍 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.

### 🔍 What Are Payment Networks?

A payment network is a group of compatible institutions (banks or wallets) that can send and receive fiat to each other.

Some examples:

* CBU (Clave Bancaria Uniforme) — Argentina’s bank transfer network
* CVU (Clave Virtual Uniforme) — Argentina’s wallet transfer network
* SEPA (Single Euro Payments Area) — Europe’s standardized Euro payment network
* PIX — Brazil’s instant payment system
* UPI (Unified Payments Interface) — India’s real-time mobile transfer system
* NIBBS (Nigeria Inter-Bank Settlement System) — Automated processing and settlement of transactions between banks in Nigeria
* Faster Payments — Almost instant local GBP payments in the UK
* MTN, Airtel, Vodafone, Telecel - Mobile operators in Ghana supporting mobile banking operations between it's customers and cross-network transactions (sending money from one operator to another)

Unigox vendors select one payment method, and our engine matches them with users whose payment method belongs to the same network.

### 🧩 Behind the Scenes: How It Works

1. User selects fiat currency + bank/wallet
2. User enters how much crypto to sell or buy
3. Our engine checks all active vendor listings:
   * Does their method belong to the same payment network?
   * Are they currently online and eligible?
   * Does the amount fit within their min/max range?
4. Best available vendor is matched
5. Fiat payment is made by vendor
6. Fiat transfer is verified via ZK-TLS, or if unavailable, only vetted vendors are allowed to participate
7. Upon verification, crypto is automatically released from on-chain escrow

### 🔐 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       |

### ✨ In Summary

Unigox radically improves P2P matching by:

* Simplifying vendor setup
* Giving users more flexible payment options
* Removing chat and fraud risk
* Automating verification and settlement

📌 All thanks to network-aware matching, ZK-TLS, and on-chain escrow.