To find a user to send funds using P2P (peer-to-peer) transfers, you typically use a P2P payment platform or app such as Paytm, Venmo, PayPal, Cash App, or Zelle. The common ways to find the recipient include:

• Searching by the recipient’s username, email address, or phone number within the P2P app.
• Selecting the person from your phone’s contact list if the app integrates with contacts.
• Scanning a QR code associated with the recipient’s P2P account.
• Entering the recipient’s unique identifier like a UPI ID (in some countries/platforms).

Once you have identified the user, you enter the amount and confirm the transfer. The funds move directly between your linked accounts via the P2P platform, often instantly or within a few minutes. So, the key to sending funds via P2P is knowing or finding the recipient’s identifier on the platform, which is usually a mobile number, email, username, or QR code.