<p></p>
<p><b>@ripcurlx</b> commented on this pull request.</p>

<hr>

<p>In <a href="https://github.com/bisq-network/bisq/pull/4744#discussion_r517870563">core/src/main/java/bisq/core/account/witness/AccountAgeWitnessService.java</a>:</p>
<pre style='color:#555'>>  
-            log.debug("accountAgeCategory={}, limit={}, factor={}, accountAgeWitnessHash={}",
-                    accountAgeCategory,
-                    Coin.valueOf(limit).toFriendlyString(),
-                    factor,
-                    Utilities.bytesAsHexString(accountAgeWitness.getHash()));
-            return limit;
+        double factor;
+        boolean isRisky = PaymentMethod.hasChargebackRisk(paymentMethod, currencyCode);
+        if (!isRisky || direction == OfferPayload.Direction.SELL) {
+            // Get age of witness rather than time since signing for non risky payment methods and for selling
+            accountAgeCategory = getAccountAgeCategory(getAccountAge(accountAgeWitness, new Date()));
+        }
+        long limit = OfferRestrictions.TOLERATED_SMALL_TRADE_AMOUNT.value;
+        if (direction == OfferPayload.Direction.BUY && isRisky) {
+            // Used only for bying of BTC with risky payment methods
</pre>
<p>Nit: Just a little typo in the old code <code>buying</code> vs <code>bying</code></p>

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