By the third year the interesting questions move from the market to the people using it. The structure is proven, the failure modes are known, and what is left is buyer behaviour.
Once escrow has held through real disputes and addresses have rotated repeatedly without breaking continuity, those features stop being differentiators and become background. Nobody praises a market for multisig at this stage, they assume it, which is a reasonable measure of how normal the design has become.
Almost all remaining loss in a mature market comes from two behaviours rather than from the market itself. Signing in on a copied login page, and leaving funds parked outside an active order. Both are entirely user side, which is uncomfortable but also good news, because both are fully preventable.
The accumulated seller history is what a third year market actually offers over a new one. A buyer can read hundreds of completed orders, sort feedback by recency, and see how a specific seller handled a specific problem eight months ago. That is the thing a new market cannot manufacture at any price.
The predictable risk of a settled period is that people relax the habits that kept them safe. Skipping the address check because the market has never let them down, letting a balance sit because withdrawing is a nuisance. Every period in this archive has a version of that story, and it never ends differently.
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