[bisq-network/proposals] Trust-Minimizing Solution for Onboarding New Bisq Users Without BTC Ownership (Nocoiners) (#214)

[chimp1984]

Some feedback:

The security in that model would be based on the value the signed account has to the seller. This might be enough for certain amounts and payment methods. The Multisig is not needed as there is no mutual lockup (please note there is no "Bisq moves offer to multisig" - the users do that, Bisq has never access or control over the funds otherwise it would be custodial). The Buyer need to trust the seller that his signed account is more worth to him to not scam the buyer. What happens if the seller does not send the BTC? Then his account need to be blocked which is a centralized feature and should be only used as last resort. 
What happens when the buyer is never sending the Fiat? The seller loses time and the buyer has nothing to lose, so no incentive to play to the rules. Could be also used for a sabotage attack (create many payment accounts, take all  offers never pay, remove availability of those offers).

The price must be sufficiently higher to motivate sellers to make such small trades. 

Restriction to one trade per new user is difficult and can only be applied to 1 trade per payment account.

I think its in all an interesting approach but I am not sure if its worth the implementation effort and increase if UX complexity (users need to understand the difference of the 2 models and the concept of the signed accounts, which is not trivial).
I am not convinced that a sufficiently large group of users suffer from the no-Bitcoin problem as its quite simple for most people in most countries to get their first BTC (ATM, friends, meetups, vouchers,...). 

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