[bisq-network/proposals] Whitelist major banks and regions using 2FA to avoid mandatory account signing. (#154)

[user718141]

**SCA Requirements**

>**Article 97(1)** of the directive requires that payment service providers use strong customer authentication where a payer:[6]

>(a) accesses its payment account online;
>(b) initiates an electronic payment transaction;
>(c) carries out any action through a remote channel which may imply a risk of payment fraud or other abuses.

>**Article 4(30)** defines "strong customer authentication" itself (as multi-factor authentication):[6]
> 
> an authentication based on the use of two or more elements categorised as knowledge (something only the user knows), possession (something only the user possesses) and inherence (something the user is) that are independent, in that the breach of one does not compromise the reliability of the others, and is designed in such a way as to protect the confidentiality of the authentication data


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