[bisq-network/bisq] Add "Cash by mail" as a payment option (#1101)

[pazza]

Please see below a summary of the proposal to add Cash by Mail as a payment option to Bisq.

Cash by Mail has many desirable features for use as a payment method.

Some of the contentious issues are around protentional concerns with what evidence can be provided for delivery / receipt of the cash, and if the cash is or is not genuine.  

There are also concerns around if potential mediation / arbitration of Cash by Mail trades can be facilitated by the current mediation and arbitration systems in place. 

I am in favor of adding Cash by Mail as a payment option and keeping it under close review for the next 12 months.  At 12 months the benefits/negatives will be more obvious and a decision can be made to continue or retire this payment option. 

For the purpose of the DAO vote I propose using the below parameters. These can be further agreed if needed. 

Please see the vote as being to vote in agreement or disagreement with the principle that "Cash by mail" should be added as a payment option to Bisq. 

**Trade sizes**: Default as per https://github.com/bisq-network/proposals/issues/264
**Signing required**: No
**Deposit amount**: 30-100% 
**Maker / Taker fees**: 1% maker, 1% taker (to compensate for mediation complexities)
**Trade protocol**: Clearly defined both in terms of Bisq's minimum expectations, and also by the seller to add any personal / localization information (this will be visible before trade accepted on Bisq in the same way as F2F traders can provide additional information). For reference see https://github.com/bisq-network/bisq/issues/1101#issuecomment-352630191
**Risk of sending cash**: The buyer is responsible for ensuring the seller takes delivery of the cash. They can choose an appropriate courier and insurance to protect themselves from any problems that occur during delivery.
**Warnings**: Clearly defined at all user interaction points; wiki, within client etc
**Review**: all the above parameters to be reviewed after 12 months of inclusion. Review to include the possibility of payment method to be withdrawn.

  
Please see below a summary of the features of Cash by Mail:


| Essential   | Desirable | Definite No’s |
| ------------------- | ------------------- | ------------------- |
| ~~Very low risk of chargeback~~  | No risk of chargeback  | ~~< very low risk of chargeback~~  |
|  ~~Way to verify the sender in the received payment~~  | Ability to enter Trade ID as reference  | ~~No way to verify the sender in the received payment~~  |
| Trade time less than one week  | ~~Instant payment~~  | ~~Trade time more than one week~~  |
| Singular Fiat currency  | ~~Multi-currency~~  | ~~Not a payment method for fiat currency~~  |
| Significant user base  |  ~~Large user base~~  | ~~No significant user base~~  |
| High usability  | ~~High usability and great user experience~~  | ~~< high amount usability~~  |
| No KYC required | Allows users to trade with upmost privacy. Minimal identifying information as possible (no names, email, phone etc required) | ~~Some KYC required (proof of address, ID, selfie)~~  |
| ~~Low risk of scam attempts~~  | ~~Trades are as safe and secure for as many users as possible~~  | ???< low risk of scam attempts |
| ???Traders can provide evidence of payment / receipt  | ~~Verification of payment can be made using PageSigner or similar~~ | ???Traders will be unable to provide evidence of payment / receipt  |
| ~~Minimum limit at least equal to at least account limits protocols~~  |  No minimum limits  | ~~Minimum limit not able to achieve account limits protocols~~  |
| ~~Maximum limits equal to at least 0.01 BTC~~ | Large payment limits up to 2 BTC  | ~~Maximum limit is less than 0.01 BTC~~  |
| Likely to increase liquidity  | ~~Likely to open markets for different countries and currencies~~  | ~~Likely to decrease liquidity~~  |
| ???Low risk of mediation  | ~~Very low risk of mediation~~  | ???< low risk of mediation  |
| Low risk for traders from government agencies  | ~~No risk for traders from government agencies~~ | ~~< low risk for traders from government agencies~~  |
| Fees are not be a barrier to trading  | ~~No fees for transactions~~  | ~~Fees are a barrier to trading~~  |
| Only minor changes needed to trade protocol  | ~~No changes needed to trade protocol~~  | ~~> Minor changes needed to trade protocol~~  |


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