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The Triangle
Scammer adds a third party to the chat. Buyer sends money to the scammer thinking it's the seller. Seller never gets paid. Classic P2P trick.
🛡 How GuardPay blocks it:
Smart contract
locks funds until BOTH on-chain wallets agree. No third-party can intercept — payments only go to the verified deal participant.
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Fake guarantor
Scammer impersonates an escrow service with a look-alike username. Victim sends funds to the fake, not the real escrow.
🛡 How GuardPay blocks it:
GuardPay runs only inside Telegram with verified bot.
The escrow address is the smart contract (public on TronScan) — no human wallet to spoof.
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Double-spend / RBF
Seller broadcasts a transfer, then replaces it with a higher-fee transaction that re-routes funds back. Buyer thinks they received crypto but the tx is canceled.
🛡 How GuardPay blocks it:
GuardPay waits for
contract confirmation before releasing — single atomic event. No mempool race conditions, no RBF surprises.
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Disappear after payment
Buyer pays. Seller goes silent, never delivers. On a regular P2P app you have no recourse — the funds are gone.
🛡 How GuardPay blocks it:
Funds are
frozen in the contract until both parties confirm. If seller vanishes — buyer opens a dispute,
5 AI agents review the case, and funds return to the buyer automatically.
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Tainted wallet
Counterparty's wallet is linked to sanctioned addresses, mixers, or darknet. Your exchange freezes the funds you receive — even though YOU did nothing wrong.
🛡 How GuardPay blocks it:
Free address check screens any wallet against OFAC sanctions and on-chain history before you commit. If the counterparty's wallet is dirty — you know before sending.
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Fake confirmation
Scammer sends a screenshot of a "completed payment" — but the transaction was never broadcast, or was sent to a different chain.
🛡 How GuardPay blocks it:
GuardPay never trusts screenshots.
Only on-chain finality counts — the smart contract confirms receipt itself, not based on what either side says.
Educational content based on documented P2P scam patterns. GuardPay is a non-custodial smart-contract escrow on TRON.