<p></p>
<p>A simple implementation would be a trade with a very long trade duration (the repayment period). The fiat need to be sent asap but the trade does not get completed but instead the BTC seller sends back the fiat after the agreed period. Then it would be nice to have a trade complete path where the seller gets back the BTC (like for the cancel trade feature), otherwise they need to open mediation to close it in favor of the seller.<br>
In that model all security is already baked in, as a non-refund of the fiat would lead to a normal trade where the seller has to release the BTC for the received fiat.</p>

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