🔄 The workflow is super simple: one ️⃣ 💰 When shopping: You pay the money (such as USDC stablecoin) into this special safe and tell the system 'If you want a refund, please return it to my wallet address'. The receiving merchant can see that you have made the payment, but the money is currently in the safe. two ️⃣ ⚠️ When encountering problems: If the merchant is willing to refund: the merchant can directly operate the system to refund you ✅ If the merchant refuses: you can contact an arbitrator, who will review and issue a refund to you 👨‍⚖️ three ️⃣ ⏱️ After the safety period: If the agreed guarantee period (such as 14 days) has passed and there are no refund requests, the merchant can freely withdraw the money from the safe without the approval of an arbitrator. four ️⃣ 🏃‍♂️ When merchants urgently need funds: Merchants can apply for early withdrawal of money, but they need to pay a certain fee and personally "sign" to confirm. The arbitrator will reserve a portion of the funds as a possible refund reserve, and the remaining amount will be given to the merchant in advance.