[bisq-network/proposals] Self certification of bank account details using ID verified digital certificates (#79)

[mpolavieja]

Regarding the use of digital certificates, in Spain there are 11 million persons using digital certificates (see http://www.ine.es/jaxi/Datos.htm?path=/t25/p450/a2010/&file=08028.px).  I guess a significant share of those users is due to the fact that it is mandatory for business to use it for relationship with public administrations.  

One other use of this self-certification would be to make easy onboarding for users that do not have any BTC at all, by allowing self-verified buyers to make **low amount** buying offers without security deposit and seller paying for all mining fees.   If the buyer doesn´t finalize the transaction, his (hashed) identity would be banned for X months in Bisq (this would require mantaining a blacklist of hashed identities).     Obviously, for this cases we need sellers that are willing to bear the risk of losing all mining fees of these kind of transactions for the sake of onboarding completely new BTC adopters.

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