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

[mpolavieja]

I agree that all this raises the barriers of entry for new users, but at this stage security is more important and I think we really need that scammers see Bisq as a place of wasting stolen fiat accounts.

Regarding the amount of time that the user has to wait, this could be discussed because having a delay of just 2 to 4 working days would be a very significant deterrent for scammers, as the risk of wasting a stolen account would be much higher than it is right now were the BTC are released instantly as the payment is confirmed.  Having a delay greater than 4 working days up until 31 would improve security, but not so much that from 0 days to 4.

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