"When you have paid in advance for something, do not exchange it for something else." (Da'if)Another chain with similar wording.
Sunan Ibn Majah Book 12, Hadith 147
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"Abdullah bin Shaddad and Abu Barzah had a dispute about paying in advance. They sent me to 'Abdullah bin Abu Awfa to ask him about it. He said: 'We used to make payments in advance at the time of the Messenger of Allah (ﷺ) and the time of Abu Bakr and 'Umar, for wheat, barley, raisins and dates, to people who did not yet possess those things.' I asked Ibn Abza, and he said something similar."
Sunan Ibn Majah Book 12, Hadith 146 Next Hadith → "I said to 'Abdullah bin 'Umar: 'Can I pay in advance for a date palm before it bears fruit?' He said: 'No.' I said: 'Why not?' He said: 'A man paid in advance for a grove of trees during the time of the Messenger of Allah (ﷺ), before they had produced any fruit, and they did not bear anything that year. The purchaser said: 'They belong to me until they produce but the seller said: 'I only sold the trees to you for this year! They referred their dispute to the Messenger of Allah who said to the seller: 'Did he take anything from your date palms?' He said: 'No.' He said: 'Then why do you regard his wealth as lawful for You? Give back what you took from him, and do not take payment in advance for date palms until their usefulness appears."'
Sunan Ibn Majah Book 12, Hadith 148
Sunan Ibn Majah Book 12, Hadith 146 Next Hadith → "I said to 'Abdullah bin 'Umar: 'Can I pay in advance for a date palm before it bears fruit?' He said: 'No.' I said: 'Why not?' He said: 'A man paid in advance for a grove of trees during the time of the Messenger of Allah (ﷺ), before they had produced any fruit, and they did not bear anything that year. The purchaser said: 'They belong to me until they produce but the seller said: 'I only sold the trees to you for this year! They referred their dispute to the Messenger of Allah who said to the seller: 'Did he take anything from your date palms?' He said: 'No.' He said: 'Then why do you regard his wealth as lawful for You? Give back what you took from him, and do not take payment in advance for date palms until their usefulness appears."'
Sunan Ibn Majah Book 12, Hadith 148