The P2P Problem: Why Direct Cards MatterIf you hold USDT, you know the paradox. You have money, but spending it isn't straightforward. Peer-to-peer trading has been the default for years, but in 2026, it's becoming increasingly risky and expensive. Here's what P2P actually costs you:Exchange spread: 0.5–2% per transactionAccount freeze risk: 30–90 days with no warningTime: 15–30 minutes per tradeCounterparty risk: scams, chargebacks, disputesKYC re-verification: random holds at any momentFor ...