[bisq-network/proposals] Action Protocol for Mediators (#307)

[leo816]

> _This is a Bisq Network proposal. Please familiarize yourself with the [submission and review process](https://docs.bisq.network/proposals.html)._

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This is a proposal for a fixed action protocol for mediators, update after the first draft done in #237. up until then it was vaguely established. These are some common situations that mediators stumble upon, This will be a base guidance but Mediators will ultimately have the final decision:

	1.	If the buyer doesn’t make the payment on time

- If the buyer doesn’t make the payment on time because he didn’t have the seller’s banking information due to the fact that the trade was stuck in stage 1 (even though the trade got published correctly) the mediator will indicate the buyer to do a [SPV resync](https://bisq.wiki/Resyncing_SPV_file)  and carry on with the payment.

If the buyer provided proof that the trade was stuck in stage 1 he will not be penalized.

-If the buyer doesn't pay on time but can't justify or gives a vague explanation he will be penalized with 75% of the deposit.

-If the buyer doesn't make the payment or doesn't respond he will be penalized with the maximum amount of the deposit.


	2.	If the seller can’t confirm he received the payment
Whether it’s because the button is greyed out or because the trade is still stuck in stage 2 the mediator should first confirm t. he seller received the payment, then ask both traders to fill the “bug report template” and pass it on to devs to fix the issue.

	3.	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.

	4.	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 75% of the deposit.
If the seller responds on time but from then on goes missing for 48hrs, the same applies.

	5.	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 using [Pagesigner](https://tlsnotary.org/pagesigner.html) (where you can see the account he made it from) And an explanation as to why he didn’t comply with the contract.
 If he is unable to use pagesigner he must make a video of verifying what account he made the payment from (making sure to change tabs so that is not a static video, those are easier to fake)
	•	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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