Before you trade

What you can do when you already sent the money and the other side went quiet, is asking you to cancel, or says the payment never arrived.

No. The only payment that counts is money you can see in your own account, for the exact amount, from the person you are trading with.

Crypto leaves and does not come back. The danger for a seller is a fiat payment that can be pulled back weeks later. Here is which rails can do that.

The problem is not the chat app. The problem is paying a stranger first. Here is how to take that same deal somewhere the crypto is locked before you pay.

Binance P2P has a real escrow, and people still get scammed on it. Knowing exactly what the escrow protects tells you where the risk actually is.

Almost never by asking. This is the honest answer, what you can still try, and why the order of a trade is the only real protection.

It is usually not about crypto. It is about receiving money from a stranger whose funds were stolen. Here is what triggers it and what a clean trade looks like.

The 30% deposit to a factory you have never met is where small importers get burned. Escrow with milestones is how you pay without going first.

Agent payment protocols solve how an agent sends money. They do not solve what happens when the other side does not deliver. That is what escrow is for.

If the agent holds the keys, yes, and a prompt injection can make it do so. The safe pattern is the one where the agent prepares and a human commits.

What those platforms actually gave you, and how to find it again: escrow locked before you pay, any local payment method, person to person.

A guarantor, middleman or garante is a person you have to trust. Escrow is a mechanism where you don't have to. The difference is who can run away with the money.