Something I realized about “P2P” crypto trading that I didn’t notice before

Been doing P2P crypto trades for a while, and recently noticed something that surprised me:

Even on platforms labeled “peer-to-peer,” the escrow is usually controlled by the platform itself. That means:

• Funds can get frozen if something goes wrong
• Accounts can be locked during disputes
• You’re dependent on the platform’s policies and timing

I always thought “P2P” meant total control between buyer and seller, but that’s not really the case.

I’ve been thinking a lot about non-custodial setups, where the platform coordinates trades but cannot move funds. They’re harder to build and slower to resolve disputes, but they reduce platform risk significantly.

Curious what others think:

• Do you usually trust platforms to hold escrow?
• Have you had any trouble with frozen funds or disputes?
• Would you trade some convenience for more control?

I'm curious about how people handle these trade-offs.