[bisq-network/bisq] New Action Protocol for MEDIATORS (#4356)

[leo816]

1) **_If the seller provides the wrong banking/address information_**

The seller will lose 50% of the deposit in favor of the buyer. Regardless as to whether the buyer wants to continue with the trade or not, this will be a fixed policy. 


2) **_If the buyer has made the payment and the seller is unresponsive:_**

Mediator will have to wait 48hrs for an answer from the btc seller, if he doesn’t respond, the seller will lose 100% of the deposit.  (keep in mind that it the seller will never lose 100% if the deposit because a fraction will always go back to him as we have had issues in the past with previous versions)

If the seller responds on time but from then on goes missing for 48hrs, the same applies.


3) **_If the buyer doesn’t pay from the correct account._**

+ Will incur in a penalty, losing 50% of the deposit. Regardless whether the seller wants to continue with the trade or not. (he has priority when choosing if he wants to continue)

Steps to follow:
+ Ask the buyer for a screenshot of the payment as proof.(where you can see the account he made it from) And an explanation as to why he didn’t comply with the contract.

+ Given that the seller wants to continue with the trade. The mediator will penalize the buyer by having him wait to receive his btc. 3 days before indicating the seller to release. Reminding him that this is a crucial issue at bisq and this is a way to protect it from a scam.
 + If the buyer doesn’t respond and the seller wants to cancel he can choose to return the payment and cancel the trade.


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https://github.com/bisq-network/bisq/issues/4356
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