[bisq-network/bisq] Using Bisq for Peer to Peer BTC loans and interest accounts (#5213)

[pazza]

Using your crypto to take out loans and access lucrative interest rates is increasing in popularity. 

I thought I would add my thoughts here about how this could be achieved in Bisq for discussion. 

Here is a rough idea of how it could work. I have not given it much thought just an idea that popped up.

**Loans**

- Bob has 2 BTC and wants a loan of $50,000 he would be happy to pay 10% APR for 12 months
- He puts up a maker offer on Bisq
- Alice has $50,000 and would be happy to lend it to Bob for 10% APR. She takes Bob's offer.
- Trade takes place, Bob's 2 BTC enter the multi-sig
- Alice gets confirmation of deposit, she sends Bob the $50,000
- Bob uses the $50,000 to pay the deposit for a new house
- Bob pays back Alice $55,000
- Alice confirms payment receipt Bob gets his funds back

**Interest**

- Bob has 2 BTC and wants to earn some interest 7% APR for 12 months 
- He puts up a maker offer on Bisq for someone that would like to pay him interest
- Alice has 100,000 BSQ and would be happy to pay Bob 7% interest on his BTC. She takes Bob's offer.
- Trade takes place, Bob's 2 BTC enter the multi-sig
- Alice burns 100,000 BSQ 
- Trade is complete and Bob releases Alice the 2 BTC
- Alice uses the 2 BTC to make some lots of trades on Bisq she is making a killing trading BTC for XMR 
- Alice has made lots of profit. At the end of the year she sends Bob back 2 BTC + 7% interns to the address pre stipulated in the terms.
- Alice provides proof to the DAO of the repayment and submits request for 100,000 BSQ to be issued to her.
- DAO confirms repayment and issues Alice with 100,000 BSQ

These are just some initial thoughts about how BTC/BSQ could be used as collateral for loans but thought I would share to prompt any ideas / discussion. 









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