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 diagnostic red flags, in rough order of how much they tell you: a certificate whose lot number does not match the vial; a certificate with no method section; a purity figure quoted to two decimal places with no chromatogram; a testing date that precedes the stated manufacturing date; identical certificates across nominally different lots; and "sterile filtered" offered in place of a sterility test. Each of those is a specific inference, not a vibe.
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.
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The evidence you want is boring: the same result, from an independent laboratory, across more than one lot, over more than one year.