> ## Documentation Index > Fetch the complete documentation index at: https://docs.simpuru.xyz/llms.txt > Use this file to discover all available pages before exploring further. # Instant vs protected > Two ways to pay for the same listing, and when each makes sense. Two ways to pay: protected, where the money waits until the prompt arrives, and instant, paid straight to the seller 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. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.