With 63% of Americans Living Paycheck to Paycheck, OneStopSwap Bets Americans Would Rather Swap What They Own Than Pay Resale Fees as High as 20%

New peer-to-peer marketplace combines direct item swapping with planned 3% buyer and 3% seller platform fees; more than 2,000 prospective users have preregistered ahead of its targeted 2027 U.S. launch.

LOS ANGELES, Sept. 15, 2026 /PRNewswire/ -- A July 2026 CNBC and SurveyMonkey Quarterly Money Survey found that 63% of Americans live paycheck to paycheck. Among those respondents, 90% reported having less than $500 left each month after expenses, and 71% said a single delayed payment would create major financial hardship. Federal Reserve data shows that 37% of U.S. adults would not cover an unexpected $400 expense completely using cash or its equivalent. Bankrate reports that 29% of Americans have more credit card debt than emergency savings. Against that backdrop, OneStopSwap is building a peer-to-peer marketplace designed to help consumers turn belongings they already own into purchasing power by selling them, buying secondhand merchandise or exchanging one item directly for another.

More than 2,000 prospective users have preregistered while OneStopSwap prepares for a targeted 2027 U.S. launch. Fewer than 3,000 of the original 5,000 Founding Member positions remain.

To counter this squeeze on both cash flow and resale earnings, circular-commerce platform OneStopSwap today announced an affordability-first model that integrates direct item swapping with low transaction commissions:

• Direct Item-for-Item Swapping: When two members swap items directly, no percentage commission is charged. Instead, both parties pay a flat platform fee expected to range from $1.99 to $14.99 based on item value, plus shipping. Direct swapping is designed to help members unlock value without spending additional cash.
• Planned 3% Buyer and 3% Seller Platform Fee: When members choose to buy and sell through standard cash listings, OneStopSwap plans to charge 3% to the buyer and 3% to the seller. Standard third-party payment-processing fees, shipping, taxes, and other applicable transaction costs apply.
• Six Months of 0% Platform Fees for Founding Members: The first 5,000 preregistered Founding Members will receive six months of zero OneStopSwap platform fees on cash transactions beginning at commercial launch.

"When nearly two-thirds of the country is living paycheck to paycheck, taking as much as 20% from a seller trying to turn something they already own into cash is a problem worth solving," said Stephen Bikoff, co-founder of OneStopSwap. "We designed OneStopSwap around direct swapping and low 3% cash fees so people can unlock immediate value from what they already own, without a platform taking a massive cut."

Formal beta testing with selected Founding Members is planned for 2027 ahead of general commercial launch.

Consumers can claim a Founding Member fee waiver and preregister at https://www.onestopswap.com.

About OneStopSwap

OneStopSwap is a Los Angeles-based peer-to-peer circular-commerce company developing one marketplace for buying, selling, and direct item swapping. The company is targeting a 2027 U.S. commercial launch.

Website: www.onestopswap.com | Instagram: @onestopswapusa

SOURCE OneStopSwap