[bisq-network/proposals] Encourage usage of Bonded Reputation by calculating a score for all offers (#138)

[Manuel]

>We only cover the maker but if the taker is the buyer the maker wants to be protected to only accept takers which are bonded. In fact the chargeback scammer back in April mostly was in the role of the taker (always the buyer obviously). Any ideas how to solve that problem?

Is this point relevant if the previous point is solved? Apart from that, could it be possible to configure Bisq to only accept takers that have a Bond or Bond Score greater than X? (this could be also applied to signed accounts as described in #133).

>How to track the bond with the pending trades in a secure but privacy protecting way?

I think that privacy concerns are important, but we should realize that once the API is running it will be very easy to track trades by onion addresses anyway and build personalized statistics.  

Also, from my experience in financial markets, where order books are much more crowded (i.e. theoretically more anonymous for other participants) and also data is more opaque than the information available in Bisq, active traders are still identifiable by other professional traders by their behavior patterns. We all have behavior patterns that can be easily spottable for people that spend 10 hours a day looking at offer books for many years.   However, it is very difficult to identify ocasional traders that trade just every once on a while, as their trades get diffuminated amongst a large number of trades.  Therefore privacy is mainly a problem for active traders.

Changing onion addresses frequently would not help much as the account signing process makes it difficult to change payment methods and only the account age data could be enough to identify a trader, or at least it would allow to narrow a lot its identification.

The very nature of fiat payment methods makes privacy very difficult, anyone could harvest personal information by trading / probing  with many peers and then use the information available in Bisq to pull the thread to identify all his offers (i.e. country of SEPA Account, BIC, account age....)

In conclusion, IMO privacy in fiat pairs is not fully achievable even if you are a very occasional taker, and it is almost an **oximoron** for active market makers.  So maybe for active traders and market makers we should try to keep privacy as good as possible, but focus more on their reputation and security, as they are centralized points of liquidity within Bisq fiat pairs.  It is not positive at all for Bisq that they easily get in trouble with their banks as they might get their fiat accounts easily closed just upon one or two incidents.  

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