<p>Fully agree with ux-related misgivings.  That´s why alternatives to allow to fully override delay such as BSQ bonding or account verification are interesting (those alternatives are also a UX hassle, but at least they are just one time hassle, not for every tx).</p>
<ul>
<li>
<p>Chargeback risk.  I believe that chargeback does not describe the problem we are dealing here.  The risk is that a fiat payment from a stolen account is reported.  So IMO delay for young accounts should apply to any fiat payment subject to that risk (i.e. delay would not apply to face to face fiat payment)</p>
</li>
<li>
<p>IMO the minimum delay should be at least to ensure 2-4 working days have passed.  That means 6-8 natural days as a minimum (to consider bank holidays chained with weekends)</p>
</li>
<li>
<p>Agree with the exception for low amounts.  Great idea!</p>
</li>
</ul>

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