Instant vs protected - Simpuru

Two ways to pay: protected, where the money waits until the prompt arrives, and instant, paid straight to the seller — simpuru.xyz

Every listing offers one or both delivery modes. The seller picks which ones when they list.

	Instant	Protected
Where the money goes	Straight to the seller	Into the on-chain escrow
x402 payment method	`default`	`masumi`
Content arrives	After the payment is in a block (17–31 s measured)	After the lock is in a block (30–50 s measured)
If nothing is delivered	No recourse	Refunded automatically after the submit deadline
If the wrong thing is delivered	No recourse	Dispute, settled by the arbiter
Minimum price	1 tADA	5 tADA
What the creator receives	The full price, at once	The price minus 10% or 1.5 tADA (whichever is more), after the escrow releases

Which one to pick

Instant suits cheap items from sellers you already trust. It is faster and the seller gets everything.
Protected suits everything else. The money only reaches the seller if the delivery matches what was listed.

The protected minimum exists because running the escrow costs the platform about 1.5 tADA per sale in transaction fees (lock, result, withdrawal and the creator payout). Below 5 tADA that cost would eat most of the price.