Proposal: Make the exchange flow as a single page with next steps visible but locked, with full payment information ie. banking information visible rather than allowing exchanger soliciting from chat. Provide sufficient warning adjacent to the banking information like - DO NOT PAY YET or better gray out the information before escrow funded. To my horror, I had the mishap of paying before escrow was active being a habitual exchanger. Luckily, I received my coins.
This display of information will allow crypto newbies to feel welcome and safe.
The banking information can be keyed in for every active exchange and should be a fungible session variable after successful transaction and need not be stored in database.