托管
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下面概述一种可以用软件实现的托管交易。这还没有实现，我近期可能也没时间实现，不过只是想让大家知道有哪些可能性。
基本的托管方式：买家将一笔付款交付托管。卖家收到一笔资金处于托管状态的交易，但在买家解锁之前无法花费这笔钱。此后买家可以随时放款，也可能永远不放款。这并不能让买家取回钱款，但确实让他可以选择一直不放款，出于恶意把钱毁掉。卖家可以选择把钱退还给买家。
虽然这个系统不能保证双方免受损失，但它消除了欺骗所能带来的利益。
如果卖家不发货，他就拿不到钱。买家仍然会损失这笔钱，但至少卖家没有经济动机去坑他。
买家无法通过拒绝付款获益。他拿不回托管的钱。他无法以资金不足为由拒绝付款。卖家可以看到，资金已经交付给他的密钥，不能再发送给其他任何人。
这时，经济学家会说，欺诈卖家可以开始谈判，比如“放款吧，我会把其中一半还给你”，但到了那个地步，双方的信任会少到极点，怨恨又会多到极点，谈判不太可能成功。这个骗子既然已经违背承诺要偷走这笔钱，究竟凭什么还会信守承诺，把一半发给你？我认为，对于不大的金额，几乎所有人单凭原则都会拒绝。
英文原文
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Here's an outline of the kind of escrow transaction that's possible in software. This is not implemented and I probably won't have time to implement it soon, but just to let you know what's possible.
The basic escrow: The buyer commits a payment to escrow. The seller receives a transaction with the money in escrow, but he can't spend it until the buyer unlocks it. The buyer can release the payment at any time after that, which could be never. This does not allow the buyer to take the money back, but it does give him the option to burn the money out of spite by never releasing it. The seller has the option to release the money back to the buyer.
While this system does not guarantee the parties against loss, it takes the profit out of cheating.
If the seller doesn't send the goods, he doesn't get paid. The buyer would still be out the money, but at least the seller has no monetary motivation to stiff him.
The buyer can't benefit by failing to pay. He can't get the escrow money back. He can't fail to pay due to lack of funds. The seller can see that the funds are committed to his key and can't be sent to anyone else.
Now, an economist would say that a fraudulent seller could start negotiating, such as "release the money and I'll give you half of it back", but at that point, there would be so little trust and so much spite that negotiation is unlikely. Why on earth would the fraudster keep his word and send you half if he's already breaking his word to steal it? I think for modest amounts, almost everyone would refuse on principle alone.