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 difference between a batch certificate and a vial certificate is a difference in what is being claimed. A batch certificate says "we tested some vials from this lot". A vial certificate says "we tested this vial". Neither is worthless; only one of them is about the object in your hand, and the gap between them is a sampling assumption nobody has quantified.
Concretely, 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.
Regulatory positions on personal importation are published: the relevant frameworks are the US FDA’s personal importation policy in its Regulatory Procedures Manual, the UK MHRA’s guidance on importing medicines for personal use, and the equivalent national provisions in the EU member states and Australia’s Therapeutic Goods Administration personal importation scheme. They differ materially from each other.
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.
If a supplier will not send you a lot-specific certificate before you order, you have learned something useful at zero cost.