Start from what "research use only" actually means, because most of the downstream questions are answered by it. It means no release testing, no pharmacovigilance, no regulatory obligation to you, and no recourse.
The consumer-protection question about a stablecoin transfer has a simple answer: you give up reversibility entirely. There is no chargeback, no acquirer, no dispute process. What you retain is the on-chain record, which proves that a transfer happened and to which address — useful for establishing that you paid, useless for getting the money back. That asymmetry is the whole risk profile.
A defensible group-buy structure has three properties: the material is tested before it is split, the test is paid for from the pool rather than by the organiser, and the split is documented with photographs and a per-participant record of lot, volume and date. If any participant can reconstruct what they received from the records, a later dispute is resolvable. If not, it is not.
The caveat is that none of this makes an unapproved product safe or lawful to use. It reduces one category of uncertainty — what is in the vial — and leaves every other category untouched.
Structure the group buy so that no single person is simultaneously the treasurer, the custodian and the arbiter. That one change removes most of the failure modes.
edited 30 Oct 2024 by tobias_reint — added a caveat about sampling
3This matches what I was told by a laboratory, for whatever that is worth. – h_pergande 8 months ago 4Minor: the trial name is hyphenated in the original publication. – s_kalniete 11 hours ago add a comment