25% of the item value if you’re redeeming coins.

USB RM1.50? dont bother wasting ur money. sure very fast rosak.
get a decent one like from Ugreen.
yup 100% compensation.
if poslaju still deliver then buyer lucky lor get free item. if item reported lost both side should get compensation, so imo no need purposely make outside payment to seller unless u feeling generous to give seller double compensation.
U may check with shopee directly first whether they compensated seller or not. if they say didnt compensate then u may choose to pay seller.
as long as seller willing to accomodate u.