Well, he claims he's accepting Paypal for crypto so technically he's also taking a risk the other way around, that is, if he plans to send you the coins at all.
i thought in order to use cashapp for commercial purposes you had to have their permission:
https://www.linkedin.com/pulse/why-did-cash-app-closed-users-account-how-reopen-again-nancy-addison
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Anyhow, that $20 is just so shady, making me think he's after that rather than the whole deal.
no, what's shady is using cashapp and things like that...the buyer risks the seller's account getting frozen along with the funds they sent sitting inside it. so the seller is unable or unwilling to take that money and purchase the crypto to send the buyer.
until that situation gets resolved if ever.