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

[mpolavieja]

I think that from all what is being discussed to deterr fiat scammers, payment delay is by no means the key measure.   It is what makes meaningful the account age concept.   

But for determining a balanced delay in terms of security / usability I have a lot of doubts.  I believe that having at least full 4-5 working days of delay is a huge deterrment for scammers compared to the current situation (0 delay).   Adding more days is for sure more balanced towards security, but I am not sure if it is worth the loss of usability since maybe a delay of 5 working days imply a risk that most scammers are not willing to bear. 

That being said, no matter if the delay is 28, 15, or 5 days, a fading delay is a very good idea as IMO honest traders might feel it as gradual improvement, while scammers for sure will still feel it as annoying. 

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