@Irina108
Some of the problem is the way crypto currencies are treated in different countries - so protection for you would be zero in most, but you seem knowledgable enough to accept that risk
Financal Service Companies have held back from using crypto (although they are experimenting with the blockchain) just because there is no regulation, no protection for seller or buyers. It's not clear where fault would lie if your payment didn't reach you and I can't see AirBnB taking on liability for something that in some countries is practically illegal, in others an asset, in others a virtual currency, etc.