Any transfer I’ve received I’ve had to send the money before we got on the 3 way call with MS, so I u set stand the worry. I worked with people who had history in the Facebook groups I’m in so I didn’t have any references to question. Basically they had a good reputation in the groups already.
But if I had to ask for references, I’d probably just ask when they did the transfer, general questions about how the transaction went. I think you’re just looking to get a feel for the authenticity of the person you’re getting the transfer from.