Watched someone lose 500 XRP to a fake OTC deal last month. Sent first, got nothing. XRPL's native escrow (XLS-85) removes that risk completely. You lock tokens, the other party gets a claim condition, nobody moves funds until both sides are satisfied. No smart contract needed, no trusted third party, just the ledger enforcing the deal. The "trust me bro" era of P2P transfers has a better option now.
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