An electron (negative charge) and a positron (positive charge) annihilate in pure energy. For an electron and a proton it is all similar, the different charge, the mutual attraction and the emission of EM radiation.
What is the mechanism by which an electron and a proton do not annihilate, but stop their approach at some distance?
To confine the answers, please do not refer to statements such as that the calculated energy levels are stable states. This is a consequence of the initial observations; the corresponding calculations only reflect the observations.