[bisq-network/proposals] Delay payout for Fiat trades if buyers account is fresh (#77)

Manfred Karrer notifications at github.com
Mon Apr 22 02:31:23 UTC 2019

> _This is a Bisq Network proposal. Please familiarize yourself with the [submission and review process](https://docs.bisq.network/proposals.html)._

We can delay the payout of the BTC to the buyer in case his account age is less then 31 days.
This is only for Fiat trades to reduce risk for chargeback scammers.

Usually stolen bank accounts are detected rather fast and a chargeback happens in less than 4 weeks. Theoratically a changeback can be done even up to 6 months but we assume that is rather rare and a stolen bank account scammer will not know in advance how long it will take.

I suggest to delay the payout for all BTC buyers if their account age has lees than 31 days. The UI at the seller shows that the buyer has sent the Fiat. He will confirm that he has recieved it. If the account is too young he will get a popup with the information that the payout will be delayed by x days. He has to open the application after that period again to release the Bitcoin.
The buyer also gets the information displayed when he takes an offer and when he confirms payment sent.
In the offer book the account age of a BTC buyer is displayed and if a seller takes it he gets a popup displayed with the info that the trade will only be finalized after his account age reaches 31 days.

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