

If the trade time expires, nothing actually happens. The button to open a dispute just becomes available. If the bank account owners name is the same as in RetoSwap and their trade account is at least a few days old, it is most likely fine to accept the money and complete the trade. That being said, if you feel like the other person is fishy, tell them that you would like to cancel the trade, return the money, open a dispute and explain the situation to the arbitrator.
Make sure your wallet is up-to-date and pick a trusted community remote node like:
Edit: Removed the kyun node. Apparently it’s not an official kyun node and ran by an anon.