Ever had someone require electronic payment?

Saw an ad on another escort site (callescort.org) for a lady in San Diego (no reviews) and reached out to find out the details.  She responded quickly, provided another picture and when we talked costs, she mentioned she only takes Bitcoin, Paypal or Zelle (but no cash).  So every alarm bell goes off in my head that the ad is all BS, but she gives me her hotel address and says I just pay her once I get there.   She even mentioned if I wanted to tip, then certain store gift cards are ideal (not cash).   So of course this sounds BS and scam, but I don't understand how this would work if I traveled to hotel and if it wasn't her then nothing would get transferred and I wouldn't do it anyways because I wouldn't want the electronic trail, but anyone heard of something like this before... I just don't get how the scam would work if the person wouldn't transfer funding over until they see her.  Is this ever legit?