Abstract: A peer to peer chat based commerce system to buy and sell knowledge, digital and physical assets, exchanged by consumer-users and merchant-users via web-enabled devices transmitting through a communications gateway. The chat conversation is analyzed and parsed by a chat engine and salient information is stored on a database, where a matching engine and user engine work to match the consumer-user with a need for the knowledge to the merchant-user with an asset such as skills, expertise, knowledge or the like. The system the enables the consumer-user and merchant-user to exchange respective assets, such as payment in exchange for knowledge.