ARzPaya Risk Calculator
Calculate Your Safe Holding Time
Based on ARzPaya's security risks and Iranian regulatory environment.
Your Risk Assessment
Important Security Note
If you're in Iran and looking to trade Bitcoin, Ethereum, or Tether, you've probably heard of ARzPaya. It's one of the biggest names in Iran's crowded crypto scene, claiming millions of users and 24/7 support. But here’s the real question: is it safe, reliable, or even worth your time in 2025?
What ARzPaya Actually Offers
ARzPaya isn’t just another crypto exchange. It’s built for Iran’s unique financial reality. You can trade major coins like Bitcoin, Ethereum, Cardano, BNB, and even Shiba Inu. But the real focus? Tether (USDT). That’s because in Iran, direct bank transfers to global exchanges are blocked. Tether acts as the bridge between the Iranian Rial and the global crypto market. The platform gives you two ways to trade: a simple interface for beginners and a professional dashboard for those who know their limit orders from their stop-losses. Both work on the website and the Android app, which is available on Google Play. That’s unusual for Iranian platforms - most still rely on web-only access. You get a separate wallet for each coin you hold. Need to send ETH to your personal MetaMask? You can do it anytime, 24 hours a day. No waiting for customer support to approve withdrawals. That’s a big plus.How You Deposit and Withdraw
Here’s where ARzPaya gets tricky. To deposit Iranian Rials, you must use the Shetab banking network. That means linking your local bank card - like Mellat, Melli, or Saderat - directly to the exchange. It’s fast, but it’s also a red flag internationally. Why? Because Shetab is Iran’s national banking system, and most global financial platforms avoid any connection to it due to sanctions. That’s why ARzPaya is blocked on NoOnes, a popular P2P trading platform. If you try to send crypto from ARzPaya to NoOnes, your account could get frozen. Withdrawals in Rials? Only after full identity verification. That means uploading your ID, proof of address, and maybe even a selfie. But here’s the catch: you can trade Tether without any ID. That’s a loophole many users rely on. But it’s also why regulators are watching.Security: Trust or Risk?
ARzPaya says it’s secure. They claim to use cold storage for most assets and have 2FA enabled. But there’s no public audit. No third-party proof. No transparency report. That’s a problem. In Iran, crypto exchanges have a history of disappearing. Remember Cryptoland? In 2023, users lost over $6.5 million when the platform vanished overnight. No refunds. No legal recourse. That’s the shadow hanging over every Iranian exchange, including ARzPaya. If you’re holding large amounts of crypto on ARzPaya, you’re trusting a company with no international oversight, no legal accountability, and no insurance. That’s not a risk most Western users would take. But in Iran, where banking options are limited, it’s a common gamble.
Education: The Real Strength
What sets ARzPaya apart isn’t its trading fees or speed - it’s education. The platform runs ARzPaya Magazine, a free resource hub with articles on blockchain basics, Proof of Stake vs. Proof of Work, and how to avoid scams. They even explain how mining works and why Ethereum switched to PoS. This matters. In Iran, many new users jump into crypto without understanding volatility, private keys, or phishing attacks. ARzPaya’s educational content helps reduce that danger. It’s not perfect, but it’s one of the few Iranian exchanges doing this consistently.Who Should Use ARzPaya?
ARzPaya isn’t for everyone. If you’re outside Iran, you probably shouldn’t use it. The international restrictions are real. NoOnes blocks it. Most wallets won’t recognize it as a trusted source. And if you’re trying to move crypto to Binance or Coinbase, you’ll hit walls. But if you live in Iran and need to trade Tether for Bitcoin or other coins? ARzPaya is one of the few options that works reliably. It’s fast, has decent liquidity, and gives you control over your wallet. It’s not the safest platform in the world - but in Iran’s crypto landscape, it’s one of the most practical.
What’s Missing?
ARzPaya doesn’t offer:- Margin trading or leverage
- Staking for passive income
- Support for fiat withdrawals in USD or EUR
- Any public security audit or proof of reserves
- Customer service in English
The Bottom Line
ARzPaya isn’t a global giant like Binance or Kraken. It doesn’t have the same security standards, legal protections, or international trust. But it doesn’t need to be. It’s built for one purpose: helping Iranians trade crypto in a country where banks won’t help. If you’re in Iran and need a fast, functional way to buy Bitcoin with Rials - or convert Tether into other coins - ARzPaya gets the job done. Just don’t leave large sums there long-term. Withdraw to your own wallet. Always. And never trust an exchange more than you trust yourself.How to Get Started
1. Go to arzpaya.com (use a reliable VPN if you're outside Iran).2. Click "Sign Up" and enter your phone number and email.
3. Complete identity verification if you plan to deposit Rials.
4. Deposit Tether from another wallet, or link your Shetab bank card to add Rials.
5. Start trading on the simple or professional interface.
6. Read ARzPaya Magazine to learn before you invest.
7. Withdraw your crypto to a personal wallet - don’t store it on the exchange.
It’s not glamorous. It’s not perfect. But in Iran’s crypto world, it’s one of the few platforms that actually works.
Is ARzPaya legal in Iran?
Yes, but with heavy restrictions. Iran doesn’t ban cryptocurrency ownership, but it forbids using crypto as payment for goods or services. You can hold and trade Bitcoin or Tether, but you can’t use them to buy a phone or pay rent. ARzPaya operates in this gray zone - allowed for trading, not for spending.
Can I use ARzPaya outside Iran?
Technically, yes - you can sign up and trade if you have access. But you’ll face major hurdles. You can’t deposit Rials from abroad. Your bank card won’t connect to Shetab. And ARzPaya is blocked by international P2P platforms like NoOnes. Most users outside Iran find it easier to use Binance or Kraken.
Is ARzPaya safe from hacks or scams?
There’s no public evidence ARzPaya has been hacked, but there’s also no proof it’s secure. No audits. No reserve proofs. No insurance. In Iran’s crypto market, exchange failures are common. The safest move is to treat ARzPaya like a trading tool, not a bank. Withdraw your coins to your own wallet as soon as possible.
Does ARzPaya charge trading fees?
ARzPaya claims to have minimal fees, but exact numbers aren’t published. Most Iranian exchanges charge between 0.1% and 0.5% per trade. Withdrawal fees for Tether are usually around $1-$2. For Rial deposits via Shetab, there’s no fee - but your bank might charge you.
Why is ARzPaya blocked on NoOnes?
NoOnes blocks ARzPaya due to compliance risks. Iranian exchanges often lack KYC/AML controls, face sanctions concerns, and have a history of fraud. NoOnes restricts transfers to/from these platforms to protect its users and avoid legal trouble. This doesn’t mean ARzPaya is a scam - but it does mean international platforms see it as high-risk.
Can I stake coins on ARzPaya?
No. ARzPaya doesn’t offer staking, lending, or yield farming. It’s purely a trading exchange. If you want to earn interest on your crypto, you’ll need to move your coins to a platform like Binance or Kraken - but only after withdrawing them from ARzPaya.
Does ARzPaya support Ethereum and other altcoins?
Yes. ARzPaya supports Bitcoin, Ethereum, Chainlink, Cardano, Binance Coin, Shiba Inu, and several other major coins. But Tether (USDT) is the main trading pair. Most users buy or sell other coins using USDT, not Iranian Rials.
What happens if ARzPaya shuts down?
If ARzPaya shuts down, you could lose access to your funds. There’s no legal recourse in Iran for exchange failures. That’s why experts always say: don’t keep crypto on an exchange longer than you need to. Withdraw to your own wallet immediately after trading.
Jess Zafarris
November 17, 2025 AT 18:13 PMSo ARzPaya is basically Iran’s answer to ‘trust me bro’ crypto? Interesting how they lean so hard on USDT as a bridge. Makes sense when your banking system is a geopolitical liability. Still, no audits? No transparency? That’s not just risky, it’s a waiting room for a 2025 collapse. I’d treat this like a gas station in a bad neighborhood - fill up and get out fast.
Also, the fact they have an educational magazine is kind of admirable. Most exchanges just want your money. This one at least tries to keep you from getting scammed. Small win.
jesani amit
November 18, 2025 AT 10:52 AMMan, I’ve been using ARzPaya since last year and honestly it’s been a lifesaver. I’m in Mumbai but my cousin in Tehran uses it to send me USDT when he needs help with bills. The app is clunky but it works, and the fact that you can send ETH straight to MetaMask without begging support? Huge. I know the risks, but when your bank freezes your card for ‘suspicious activity’ every other week, you take what you can get. Just don’t keep more than you’re willing to lose there - that’s my rule.
And yeah, their magazine is legit. I learned more about staking from their 5-page guide than from three YouTube videos. Small platform, big heart.
Peter Rossiter
November 19, 2025 AT 14:48 PMNo audits no reserves no insurance no problem. This is crypto. If you need a bank then go to Chase. ARzPaya is for people who know the game. Tether is the real currency in Iran. End of story.
Mike Gransky
November 19, 2025 AT 15:45 PMIt’s hard to overstate how critical ARzPaya is for Iranians who want to participate in the global crypto economy. The fact that they’ve built a functional, usable platform under sanctions is impressive. Most Western devs would give up at the first hurdle. But they didn’t. They built a tool for real people.
Yes, it’s not Binance. Yes, it’s not secure by Western standards. But those standards don’t apply here. What matters is whether it works - and from every report I’ve seen, it does. Just don’t sleep with it. Withdraw to cold storage. Always.
Ella Davies
November 21, 2025 AT 12:03 PMI’ve been watching Iranian crypto platforms for years. ARzPaya’s education section is the only thing that gives me pause before calling it a dumpster fire. Most exchanges in that region are pure scams. But this one? They’re teaching people how not to get ripped off. That’s rare. I wouldn’t trust them with my life savings, but I’d trust them to teach my little brother how to use a wallet. That’s a win.
Henry Lu
November 22, 2025 AT 09:56 AMlmao arzpaya? bro its a glorified paypal for rials with a crypto sticker on it. no audits? no legal recourse? what a joke. if you think this is 'practical' you're either delusional or living under a rock. this is why crypto fails in the real world - people think 'it works' means 'safe'. it doesn't. it means 'you're the next victim'.
nikhil .m445
November 22, 2025 AT 18:30 PMActually, I think ARzPaya is very good for beginners. I have taught many friends in India how to use it. They are happy. Even if it is not perfect, it is better than nothing. Also, the fact that they support Shiba Inu is very good for meme lovers. 😊
But you must always do KYC. Otherwise, you will be hacked. I lost 500 USDT once because I did not verify. Now I always verify. Always. Always. Always.
Rick Mendoza
November 22, 2025 AT 23:44 PMThe real issue isn't ARzPaya it's the fact that Iran still uses Shetab. That system is a relic. If you're using this exchange you're already accepting that you're playing in a sandbox built on sand. No one's coming to save you. Don't cry when it washes away.
Lori Holton
November 23, 2025 AT 10:12 AMLet’s be honest - this isn’t just an exchange. It’s a state-sanctioned honeypot. The Iranian government has been known to use crypto platforms to track dissidents and freeze assets. Why else would they allow a platform that connects directly to Shetab? The 'education' section? A distraction. The '24/7 support'? A front. The real goal is to centralize control over crypto flows - and quietly monitor every transaction. This isn’t innovation. It’s surveillance with a trading interface.
And if you think they’re not handing data to the IRGC? You’re not thinking like a spy.
Bruce Murray
November 24, 2025 AT 11:09 AMI’m not from Iran but I’ve got friends there who swear by ARzPaya. They say it’s the only thing that doesn’t glitch every other day. I don’t get why everyone’s so scared. Every crypto platform has risks. Even Binance got hacked once. The difference is ARzPaya’s trying to help people who have zero options. That’s worth something. Just don’t leave your life savings there. That’s just common sense.
Aryan Juned
November 25, 2025 AT 23:45 PMOMG ARZPAYA IS THE BEST THING EVER I LOVE IT SO MUCH 🥺💖 I used to cry when my bank blocked me but now I just go to ARZPAYA and BOOM USDT IN 2 MINUTES 🤯 I even bought a Shiba Inu and now I’m rich 😭😭😭
But wait - did you know if you send USDT to NoOnes they freeze your account? 😱 I DID THAT AND MY FRIEND LOST 3000$ 😭😭😭
So now I only use ARZPAYA and NEVER send anywhere else 😇 I love you ARZPAYA 🤍
Nataly Soares da Mota
November 27, 2025 AT 03:17 AMARzPaya operates within a paradox: it’s a tool of financial liberation built atop a structure of systemic repression. The platform enables autonomy - the ability to transact, to bypass state-controlled liquidity channels - yet it simultaneously entrenches dependence on a centralized entity that answers to no external authority. This is not capitalism. This is survivalist crypto-anarchism with a user interface.
The educational content? That’s the quiet rebellion. It’s not about trading. It’s about epistemic sovereignty. When people learn what a private key is, they stop being subjects. They become actors. And that’s the real threat - not the USDT volume, but the awakening.
Teresa Duffy
November 29, 2025 AT 02:31 AMHey everyone - I just wanted to say thank you to the person who wrote this review. I’ve been scared to even look at crypto because I thought it was all scams. But this? This made me feel like maybe there’s still a way to do it safely. I’m not in Iran but I’ve got family there and now I know what to tell them: use the platform, but withdraw fast. Read the magazine. Don’t be greedy.
You’re not just helping people trade - you’re helping them survive. That’s huge.
Sean Pollock
November 30, 2025 AT 14:05 PMARzPaya is just another crypto cult. People don’t realize they’re trading with a black box that could vanish tomorrow. The fact that they have 'education' doesn't make them good - it makes them manipulative. They're training people to be dependent. To think 'this is the only way'.
And don’t get me started on Shetab. That’s not a banking network - it’s a surveillance drone with a debit card.
I’ve seen this movie before. It ends with people screaming into the void while the devs fly to Dubai with their ETH.
Just use a VPN and Binance. It’s easier. Less drama. Less risk. Less… hope.