[10][11][12] Midpoint's peer-to-peer engine directly matches businesses and individuals with offsetting currency requirements resulting in the elimination of the ‘spread or margin’ component from all transactions.

[6][11] By doing so, users avoid the cost of the bid–ask spread levied by traditional banks and brokers – often from 2%-5%[13] and instead uses the midpoint of the real-time interbank market rate.

[20] Midpoint's patented engine matches currency pair orders on a reciprocal basis by harnessing the peer-to-peer capabilities of the internet.

[24] Six months later, the company added the United Arab Emirates dirham, Hong Kong dollar, and Polish złoty.

[27] In April 2015, Midpoint added Japanese Yen, Singapore dollar, Thai Baht and Turkish Lira to its peer-to-peer exchange platform.