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

[sqrrm]

>From what I've seen on darknet markets it seems stolen accounts go for 2-5% of the account balance. Some of the comments from sellers also indicate that the accounts are rather sensitive to age. That's only one way these scams happen I'm sure, but it's an indication of what we're dealing with.

Currently we need to make sure Bisq doesn't become a way to cash out these accounts and I think the restriction to payout only after accountagewitness is 31 days old is an ok solution. It's likely more than needed to deter the scammers that care about the freshness of the accounts the try to defraud, but better be cautious and later reduce that time limit.

The difference between just blocking new accounts for 31 days and letting them trade and then wait until day 31 for the bitcoin is that there is a chance for defrauded accounts to notice and alert the bank during that time. I don't know which is better but I'm ok to try this way. New users might find it less than ideal to be out fiat with no BTC to show for a month. They could of course wait 31 days but many people don't read the rules and will likely end up surprised.

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