How to Use Ratefy-Market: A Step-by-Step Guide for Secure Digital Funds and Services Exchange

If you’ve ever had to trade PayPal, Payoneer, Fiverr funds, Wise, TikTok earnings or similar digital funds in Nigeria, you already know how unsafe and unreliable the process can be. Ratefy-Market was created to change that.

Ratefy-Market is a peer-to-peer marketplace that connects buyers and sellers of digital funds in a secure, transparent environment. It uses escrow protection, in-app messaging, and verified user profiles to eliminate fraud and build trust in every transaction. You should check our issue on the prevailing digital transfer situation and how Ratefy-Market is providing a solution. 

Whether you're a freelancer earning in foreign currencies, a digital asset merchant, a remote worker, or an e-commerce business owner, Ratefy-Market is built with your needs in mind. In this blog post, you will get a walk-through on how you can make effective use of Ratefy-market 

Step-by-Step: How to Use Ratefy-Market

Sign Up & Account Creation

• Go to market.ratefy.co
• Click 'Create Account'

• Fill in your:
  • Full Name
  • Phone Number
  • Email
• Create your username and password
• Log in to access your dashboard

Profile Update

• Navigate to your profile section
• Fill in:
  • Personal information
  • Work-related information

KYC Verification

To complete your KYC, go to the KYC page 

• Submit a valid government-issued National ID 
•  Provide your BVN for identity confirmation

• Wait for your verification to be confirmed

After completing the KYC verification, you can now explore Ratefy-Market either as a buyer or a merchant.

A buyer is any user who sells their digital funds to get cash in return or buys services like withdrawals and reviews. In most cases, a buyer is a person accepting an offer created by someone else, whether paying to get a service, or supplying funds in exchange for naira.

A merchant is any user who offers digital services like reviews and withdrawals or looking to buy digital funds like Payoneer funds, PayPal funds, and more. 

Finding Offers on the Marketplace

You can find an offer on the marketplace as a merchant or a buyer. 

• Select Marketplace on the side menu
• Choose whether you want to buy or sell
• Select the Service category and Sub-category (e.g., PayPal Withdrawal, Payoneer Transfer)
• View available listings and compare offers

• Click on a listing, input the amount you want to buy/sell
• You’ll be directed to a transaction page where all conversations will be held, and you will be guided through the escrow-based payment and transaction confirmation

Creating Your Offer 

You can create an offer as a buyer or a merchant. 

• Navigate to 'Create Offer' on the overview page or click on the 'my offers' menu on the side bar 

• Choose whether you want to create a 'buy' offer or a 'sell offer'
• Select your Service Category
• Set your Price, instruction, duration, and any trade Conditions
• Submit and wait for interested buyers/sellers to contact you

To Fund Your Wallet

• Click Fund account on the Overview Page or Select Wallet & Banks on the side menu
• On your wallet and balance page, click 'Add Money'.
• You’ll see a personalised account generated for you
• Transfer funds to that account, and it will reflect in your Ratefy wallet

 To Withdraw From Wallet

• Go to 'Wallet & Banks' or use the 'Withdraw from Ratefy wallet' menu on the Overview page
• Click 'Withdarw'
• Add your recipient account number
• Confirm and receive your money in seconds

In-App Messaging

Ratefy has an integrated chat feature for every transaction, and you can use it to:

• Negotiate terms
• Ask clarifying questions
• Confirm payment status
• All messages are documented for dispute resolution

Who are the Ideal Users of Ratefy-Market

Freelancers - If you get paid through PayPal, Payoneer, Upwork, Fiverr, etc., Ratefy-Market helps you convert your earnings easily.

Remote Workers - Many remote jobs pay through foreign platforms. Ratefy-Market gives you a reliable way to liquidate your earnings safely.

E-commerce Business Owners - Selling goods internationally? Use Ratefy-Market to exchange funds quickly and securely. If you are a business owner who imports from China and needs to pay suppliers with RMB, Ratefy-Market can come in handy for you in this regard

Content Creators - Getting paid from TikTok, YouTube, or international brand deals? Convert your earnings to Naira without stress.

Merchants - Operate with structure, transparency and protection. Build your credibility through verified profiles.

Benefits of Using Ratefy Market

Escrow Protection: Funds are held safely until both parties confirm the transaction.

Verified Users & Merchants: Every participant is vetted, reducing the risk of scams.

In-App Messaging: You can communicate with your buyer/seller within the platform

Full Transparency: You can view offers, ratings, transaction history, price and more. 

Flexible Offers: You have the liberty to create your own offer and set your prices or choose from available listings.

Final Thoughts

Ratefy-Market isn’t just a marketplace, it’s a secure ecosystem for smart digital finance.

Instead of taking risks on  WhatsApp, why not trade with verified users on a platform that protects your money, data, and peace of mind?

Sign up today. Verify your identity. Create or respond to offers and trade smart.

Ready to get started? Visit the ratefy-market page and take back control of your digital fund exchanges.