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

Manfred Karrer notifications at github.com
Sun May 5 02:22:57 UTC 2019

We still are based on the assumption that chargeback will happen and that it will happen in less then 30 days. Unfortunately we just got a new case which seems to be a scammer (not 100% confirmed yet) and he made trades 6 weeks back without any chargeback reported so far. One explaination could be that certain banks or Fintech companies like N26 might have it more difficult to start a chargeback (maybe they don't fulfill all banking requirements to be considered a first class bank). Or the scammer targeted victims where he knows that they do not check their accounts (e.g. they are old or in hospital,...) - might get a bit too paranoid... - but anyway, maybe we need to reconsider that above assumption as a weak one.

Luckily the idea of @m52go with using a secondary account to make a small transfer and proof ownership of 2 accounts (can be any not only Paypal) might be a good alternative solution. It seems very unlikely that a scammer gets access to multiple accounts. And I assume it is likely that most Bisq users have at least 2 accounts. Though we cannot use that as mandatory protection as we cannot exclude users who have only one account....  

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