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P2P deal guarantees?

#1
Have you ever used insurance or guarantees on P2P platforms?
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#2
I tried platforms a couple of times where, in case of a dispute, the money was frozen in escrow and there was a special arbiter. That’s good protection.
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#3
For my peace of mind, I'd rather choose well-established platforms with a solid reputation than rely on after-sale guarantees.
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#4
Sometimes the service promises compensation if a trade goes wrong. But you have to read the terms carefully, because it doesn't always apply
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