A Compact Guide to Perfect Money
Perfect Money (PM) is an electronic payment system designed for high privacy and global transfers. It is widely used in high-risk industries, forex trading, and regions with limited access to Western banking.
Quick Stats
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Currencies: USD, EUR, Gold (Troy oz.), and Bitcoin.
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Fees: Low transaction fees for verified users (0.5%), higher for anonymous users (1.99%).
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Interest: Accounts earn 4% annual interest on the balance, paid monthly.
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Availability: Global, but strictly banned in the USA. Recent regulations have also limited access in some EU countries (e.g., Lithuania).
How It Works Unlike PayPal, you rarely link a bank account directly. Instead, you move funds using:
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Certified Exchange Partners: Third-party services that convert local cash, bank transfers, or other e-currencies into PM balance.
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Crypto: You can fund and withdraw directly using Bitcoin.
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e-Vouchers: Prepaid activation codes used to fund accounts instantly or pay anonymously.
Fee Structure | Action | Verified Account | Unverified Account | | :— | :— | :— | | P2P Transfer | 0.5% | 1.99% | | Deposit (Crypto) | 0% | 0% | | Withdrawal | 0.5% + Network Fee | 0.5% + Network Fee |
Security Tools
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Identity Check: Auto-blocks logins from unrecognized IP addresses until confirmed via email.
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CodeCard: A digital card with a list of one-time codes required for transaction approval (highly recommended).
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SMS Auth: Sends a text code for every login (costs ~$0.10 per SMS).
Key Warning
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No Chargebacks: All transactions are final and irreversible.
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Regulatory Risk: Funds are not insured. If you lose your password or the service closes, your money is gone.
