Local handover
Local handover
Not a bank · money never passes through the platform

Money in another country — no transfer

You hand over money in your city, your counterpart in theirs. Goswappix shows matching requests and helps you write down the terms. The participants hand over the money themselves.

Matching requests — · exampleLocal handovers 2Service fee 0
You giveThey receiveNetwork cities · example
How a deal works · scroll

Two handovers instead of one transfer

01 · Request

You set the direction

The city where you give, the city where your person should receive, and the exact amounts.

02 · Match

A counter route is found

The reverse direction, the same cities and amounts. The pair is reserved for 30 minutes.

03 · Agreement

Two people, each in their own city

Each hands money to a recipient locally. Only terms and messages pass between the members.

04 · Handshake

The deal closes together

Recipients confirm the full amount with their own code: first handover first, then the second. When both are confirmed, the deal is complete.

Terms fingerprint

One pattern — one set of terms

Amounts, recipients and handover order fold into a pattern of dots. Both sides see it the same way. Any edit rebuilds the pattern and resets both agreements. Try it.

Version 3Hash —Agreements: 2 of 2
Matching requests

Pairs for your route

Names, amounts and dates are examples

Trust is mechanics

The server checks every rule. A button on screen decides nothing: the terms version, the recipient’s confirmation and the event log do.

Reservation
30 minutes

An accepted offer holds both requests for the deal for 30 minutes. Timed by the server clock, not the phone.

First handover
first

The second handover opens only after the first recipient confirms the full amount.

The code
is with the recipient

Only the recipient closes a handover — with an 8-digit code from their SMS. The sender cannot close it.

Balance
always zero

Goswappix has no wallet, deposit or balance. Money never passes through the service.

Why this beats a Telegram chat