Chama
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
Seller
Buyer
Arbiter
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
Three people. One honest trade.
Most trades finish with the buyer and seller alone. The arbiter only steps in when they disagree.
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
Trade with local payment rails.
Pay a bill
Match sats with someone who can pay it.
Buy and sell
Protect goods, services, and delivery.
Get paid for work
Lock the job before work begins.
Chip in together
Reach a shared goal transparently.
Stack over time
Build a plan through smaller trades.
Built for everywhere
Everyone has a home.
Wherever people trade, trust already has roots. Chama gives those communities tools that travel without taking over.
Why it’s different
The platform never becomes the bank.
Chama coordinates the agreement. It does not own the money, choose the winner, or keep a private ledger of truth.
✓
2-of-3 escrow means nobody acts alone.
✓
Nostr-native identity makes reputation portable.
✓
Open source rules can be inspected and replayed.
Trust belongs to the community
Your people. Your money. Your rules.
Start in the sandbox. See the whole trade before risking a single sat.
Try the sandbox