I would prefer centralized exchanges. Since this method involve linking a credit card, chargebacks are easier and trading with other individuals would be risky.
I know a exchange application like your request. You can search the App Store or Play Store for Remitano. You can buy and sell Bitcoin and some other coins through banking transactions. Overall, it can be a peer-to-peer exchange but is guaranteed to be safe by regulators. I can call it a transactional intermediary system. The seller's coin will be kept by the system, until the seller receives the money from buyers, they will release it. However, there were still some cheats, so they developed an automated system, which didn't require confirmation from both parties, so I thought it met the requirements of an exchange. concentrate. I have traded many times, and I can guarantee it is safe. But I'm worried it won't be available in your country. It does not seem to be a global application. So try it