Chama helps you find people to trade Bitcoin and local money, pay bills, or buy and sell goods.
Choose what you have, what you need, and your payment method. Find a matching offer, agree on the terms, and choose a community arbiter together.
Bitcoin is held in escrow during the trade. Two of the three participants — buyer, seller, and arbiter — must agree to settle it. Chama cannot move the funds on its own.
Sign in with a Nostr identity. No email required. Try the sandbox before using real sats.
Keep your recovery key safe. It restores your identity, not ecash stored on your device. Claim your sats after settlement.
The 2-of-3 escrow design answers who can move the bitcoin. The harder part in disputes is usually what both sides can prove about the other leg.
When the counter-asset is local money or a bill payment, it helps if the offer names the exact rail and a reference the payer must include, so the arbiter can match it to the trade. A bank transfer that is "sent" can still be reversed or held, and a held payment is not the same as one that is refunded or completed.
So a short default checklist for arbiters may prevent many disputes: exact rail, reference, proof of arrival on the receiving side, then release.