[bisq-network/bisq] Improve Transferwise account (#4931)

chimp1984 notifications at github.com
Thu Dec 10 16:46:17 CET 2020


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### Description
>From feedback from Transferwise users it seems that the sender always need to enter the full name of the receiver.
The receiver also sees the full name of the sender, so the email-only attribute does not add privacy.

So I think we have to add the full name field to the account. We can update the account similar as we did with Revolut, to check at startup if the field is set and if not open a popup to add it to existing accounts.  

Some users report that they need to know the address as well, it is likely depending on the currency. I suggest that we do not 
add that to the account but leave it to the users at the trader chat. 

The receiver can only receive from currencies where they have a bank account linked. The internal multi currency accounts are useless.

The sender can use any currency supported. So if the sender has AUD as linked account and the receiver has EUR as linked account the trade currency need to be EUR. 

I think it does not make sense to limit the sending currencies but only the receiving currencies, so we should change the currency selection to make that more clear. As most people will have only very few linked currency accounts I think we should  not select any currency by default and let the user select it. So if I hava EUR and CHF as linked accounts and defined those, I will only be able to create TW sell offer with those currencies. For buy offers I could support all currencies. This is a bit tricky to support. We could add an artificial currnecy code for refecting that (TW-multi-currency), so such buy offers would be displayed in all supported TW currencies, e.g. if the user filters for ARS he will see the same buy offer as when they filter for CHF. I am not 100% sure if all the currencies we have in our list can be used for sending from any country/account. I hope so but there might be exceptions and then it would get more complicate/impossible to do that.

So to get the full potential of the cross market possibilities of TW I think we should impl. that but its quite a bit of effort. 
Also if we change the way how the currencies are handled it will require another update for the account with a bit more complexity to communicate to the user the context.

The 1 day periods seems to be too low as the payment is to the bank account not to the TW internal account (which should be instant). I think it takes usually about 2 days, so changing it to 4 days like national bank tansfer would be more appropriate.

I still don't understand why TW does not allow to send funds to the internal accounts, then it would be really multi currency in both directions. As far I understand one can fund from his own bank to the internal account, but seems it does not support funding from other foreign bank accounts.

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