Hats: guarantor for P2P deals

You are buying an account or a digital item, or swapping currency with someone from a chat. You do not want to pay first, and he does not want to hand over goods without payment. Deal guarantors exist to break exactly this deadlock. 🎩

Hats calls itself a P2P guarantee in Telegram. The idea is simple: a neutral middleman holds the assets until the terms are met.

Why use a guarantor

The most common complaint in Telegram is this: I paid and got nothing. Sellers suffer too: I shipped and no money came.

A guarantor lets both sides risk as little as possible. Until terms are met, the asset sits with a third party. 🤝

How escrow works

The scheme is usually the same for services like this:

1. The parties agree on terms and amount.
2. The buyer pays the guarantor, not the seller.
3. The seller sees the funds are reserved and hands over the goods.
4. The buyer confirms receipt, and the guarantor releases the money to the seller.
5. In a dispute, the guarantor steps in.

See the exact steps inside Hats itself. The /start command opens the flow, and /restart begins it again if you made a mistake at some step.

What to check before sending money

A guarantor can be a trap too. Scammers copy names of known services and ask you to deposit funds for a check.

• Bot name: compare it with the link from the project's official channel.
• Custody: if money sits in the operator's wallet, you are trusting that operator.
• Dispute terms: who decides, what they review and how long it takes.
• Fee: take the amount from the bot before paying, not from the chat with the seller.

Where a guarantor will not help

Escrow protects against non-payment and non-delivery, but not against poor quality. If you bought an account and its previous owner took it back a week later, a dispute will be hard.

Distrust deals where you are rushed, asked to move to private messages or to pay outside the guarantor. Such requests are almost always a sign of fraud. 🚩

Which deals suit a guarantor

A guarantor is useful where the subject is handed over digitally: account access, a file, a service, an asset swap between people who do not know each other personally.

For physical goods with delivery the scheme gets harder: shipping and receipt must be confirmed. Ask the service whether such a scenario is supported. 📦

Tiny deals that take a couple of minutes are often simpler to close directly with a trusted counterparty, but where a stranger is involved, a guarantor earns its fee.

If you are the seller

Write the terms down: what exactly you hand over, by when, and how the buyer confirms receipt. Keep the conversation and screenshots.

Do not ship until you are sure the funds are truly reserved inside the guarantor, rather than only shown on a screenshot. A picture is easier to fake than a transfer. 📸

For your first deal

Begin with a small amount to run the full cycle from start to closing. You will see how the bot behaves, how long confirmation takes and how support answers.

And remember: a guarantor lowers the risk but does not erase it. Large sums belong in proven channels with a clear history.