[bisq-network/proposals] Allow unsafe payment methods if buyer locked up a BSQ bond (#131)

chimp1984 notifications at github.com
Mon Oct 28 02:39:53 UTC 2019


> _This is a Bisq Network proposal. Please familiarize yourself with the [submission and review process](https://docs.bisq.network/proposals.html)._

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## Overview
It seems that banks become more hostile over time with P2P payments in general. To have still enough payment options in case that becomes more problematic we could try to enable payment methods which are designed for P2P payments like Paypal or CashApp. The high chargeback risk of those payment methods could be mitigated if the buyer (the one who could do the chargeback) has locked up a considerable BSQ bond.

This would be a kind of "light version" of the idea for a [off-chain trade protocol](https://github.com/bisq-network/proposals/issues/118) (OCTP) where the security is backed by BSQ bonds. In such a "light version" we could leave it to the traders to analye the risk (amount of locked up BSQ, open offers of same user,...) and we could ignore the challenge how to track parallel trades and keep that as a know imperfection for a first "test".

This is just a rough idea and would require more analysis and detail work to find out if it makes sense. In the best case it might be a roadmap for incrementally introduce the OCTP by adding features and migrating the existing trade protocol to the OCTP. For instance as next step we could remove the MultiSig deposit tx for such trades. But as said, this is a very rough idea and would require more work....

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