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

[Manfred Karrer]

Proposed delay function from account age witness (no reputation factor):
Over first 4 weeks payout is delayed from 28 days (fresh account) to 7 days (account has 28 days).
Next 4 weeks delay goes from 7 days down to 0 days.

if(accountAge <= 28) {
	delay = 7 +  (28 - accountAge) / 28 * (28 - 7); // Linear function from 28 days to 7 days over 28 days period.
} else if(accountAge <= 56) {
	delay = (56 - accountAge) / 28 * 7; // Linear function from 7 days to 0 days over 28 days period starting at day 29. 
} else {
	delay = 0;
}

I think scammer who is willing to wait 4 weeks still has considerable risks as 7 days delay + peyment method delay of up to 6 days with SEPA adds considerable risks. Also he he waits 6 weeks he still has a 3-4 days delay. I think a scammer who is willing to let an account age for such long time would also have not problems to leave it 1 or 2 months longers, so we would not gain security if we would increase the delay for longer time but hurt usability.

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