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

[Steve Jain]

> Chargeback risk. I believe that chargeback does not describe the problem we are dealing here. The risk is that a fiat payment from a stolen account is reported. So IMO delay for young accounts should apply to any fiat payment subject to that risk (i.e. delay would not apply to face to face fiat payment)

Agree -- I think we can say any fiat method that's not _cash-based_ will need to be limited. Zelle in the US is hard to reverse, perhaps like Faster payments in the UK, but accounts can still be stolen. 

So face-to-face is good (like Manuel said) but also other cash-based methods like money orders, MoneyGram, Western Union (via cash), etc should not be subject to any of these limits either. 

All others would have to be, I'm afraid (except for low amounts, which I agree is a good idea).

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