[bisq-network/growth] New payment method from Brazil - PIX (#208)

[felipeucc]

There is a new method of transfer of values available in Brazil called PIX. The recipient only needs to share a QRCode or link (valid only for that payment) for the payer to make the transfer. You can also use just a phone number or email to identify the recipient. The advantage over the National Bank Transfer payment method is that the PIX works 24/7 and the transfer takes place in a few minutes. To prevent users from creating orders in different ways with the intention of receiving through PIX (which would make it difficult to accept orders), I believe that it would be important to create a PIX payment method where it is only necessary to inform a field, which would be the link, a phone or email


### Why

_Why would Bisq benefit from adding this payment method? Is is popular in a particular region? More convenient? More safe?Is a payment method that works in the same way as National Bank Transfer for security, but uses a new protocol established by the Brazilian Central Bank and allows transfers to take place in a few minutes and works 24/7, which allows for faster negotiations

### Region

_Who can use this payment method?_
works throughout Brazil

### Chargeback risk

_How easy is it to cancel a payment once it's made? This is the most important characteristic of a payment method._
There is a possibility of chargeback if the payer disputes the payment at the Bank, as it is already done with National Bank Transfers. PIX follows the same rules, only uses a new protocol that works 24/7

### Data requirements

_What information **must** a user provide to a counterparty to accept a payment?_
the recipient needs to fill in a single field with the information he prefers (according to the registration made at PIX):
Social Security Number (called CPF in Brazil) OR
Phone number OR
Email
Only one of these 3 information is sufficient for payment to be made

### Verification

_How can payments be verified? Examples: TLSNotary is typically used for electronic payments, and receipt scans are typically used for money orders._
it is possible to generate a proof of transaction via internet banking

### Duration

_How long do payments take? Please provide a range, as the advertised best-case scenario rarely accounts for edge cases._
as PIX works 24/7 there is no need to worry about weekends for example. So I believe that 1 day is enough for the negotiation to be concluded


### Fees

_Does it cost anything to make a transfer using this payment method? If so, how much?_
There are no costs

### Fraud risk

_How easy or difficult is fraud with this payment method?_
it is possible for the recipient to inform a link in the field with the necessary data for payment (email, telephone or SSN described above). Link is also a valid possibility within the PIX protocol, but for the user's security within Bisq I believe that this option should not be used, because the link could be to a malicious destination. Outside this point, the risks are the same as for a National Bank Transfer


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