[bisq-network/proposals] Implementation of protection tools: strengthening Account Age by requiring payments from 2 Bank Accounts (#93)

[Christoph Atteneder]

@m52go @mpolavieja @ManfredKarrer As it just came up while working on the account signing feature something to discuss:

ATM we have for altcoins no limit (2 BTC per offer) and for all non-risky payment methods within the first 30 days factor 0.25 (e.g. for Perfect Money 0.25 BTC) between 30 and 60 days factor 0.5 (e.g. for Perfect Money 0.5 BTC) and after 60 days factor 1 (e.g. for Perfect Money 1 BTC).

Now we introduce for high risk payment methods (e.g. SEPA) the account signing feature. Until an account is signed it will have the limit of 0.01 BTC. 30 days after the account got signed we'll lift the 0.01 BTC limit. So @sqrrm raised the legitimate question if we want to lift the limit after 30 days using immediately factor 1 (e.g. 0.25 BTC for SEPA)?
If we would calculate the regular account aging and assume that the user created the account and immediately did a trade with a signed account the account would be more than 30 days old when the initial limit is lifted and it would be factor 0.5 (e.g. SEPA 0.125 BTC). So it might not have lots of additional security having factor 0.5 or factor 1. What do you think?

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