Agree
Choose the terms, the amount, and a community arbiter you both trust.
Bitcoin commerce, without a custodian
Trade with people. Not platforms.
Chama helps buyers and sellers trade with Bitcoin while a trusted community arbiter keeps both sides accountable. Your money never belongs to us.
Open source · Non-custodial · Built on Bitcoin, Fedimint and Nostr
Chama
Local money · Bitcoin rails
Buyer
Arbiter
Seller
2people→
1trade→
∞community
2 of 3Two people agree. The trade settles.
0 custodyChama cannot take or move your sats.
1 communityReputation follows people, not a company.
How it works
One finds a need. Two make a trade. Three make sure it settles.
The third person does not run the trade. They make sure neither side can hold it hostage.
Lock
The sats lock into 2-of-3 escrow. Nobody—not even Chama—controls them alone.
Settle
Both sides confirm and funds release. If there is a dispute, the arbiter breaks the tie.
One trust layer
Use it for real life.
One simple protection model for the ways communities already exchange value.
Swap sats and cash
LiveFood, fares, and everyday cash.
Pay a bill
LiveRent, utilities, care, and obligations.
Buy and sell
LiveGroceries, bicycles, cars, even a home.
Get paid for work
LiveA repair, a ride, or a day’s work.
Chip in together
SoonA wedding, a trip, or one shared goal.
Stack over time
SoonA home, a plan, and a future.
Built for everywhere
Everyone has a home.
Wherever people trade, trust already has roots. Chama gives those communities tools that travel without taking over.
Choose your country to see whether Chama is locally live, federation-backed, or coming soon. Check availability →
Why it’s different
The trade belongs to its people.
Buyer, seller, and arbiter share one path to settlement—and the outcome belongs to them.
Chama canPublish the offer, relay signatures, and show the outcome.
Chama cannotTake the sats, act alone, or rewrite what happened.
Trust belongs to the community
Your people. Your money. Your rules.
Start in the sandbox. See the whole trade before risking a single sat.
Community chat
Come say hi.
Say hello, thank someone, or share feedback on Fedi. One scan joins both Chama spaces, or choose a room below.
Scan — join both spaces