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

[pazza]

@jmacxx 

>Technical implementation was discussed in bisq-network/proposals#176, so perhaps now with sufficient interest in that feature it could be done? Ping @stejbac @sqrrm

Thanks I did not see that before. I will take a look.

> [edit] bisq-network/proposals#176 is for BSQ/BTC loans. @pazza83 idea is for Fiat loans, both could be useful. More use-case examples would be good, esp the non-happy path scenarios.

@Conza88 

> I would be inclined to say I don't think we've got trading sorted to an acceptable level (i.e. lack of multiple payment methods per offer which increases liquidity immensely for everyone), so this should be ball packed until that is clearly the case. bisq-network/proposals#288

I agree, just thinking about potential use cases for future projects. 


### Trades gone bad

**Loans**

Here is the bad case for loans. In this case I assume the Bisq user that lends $50,000 is going to prefer BTC over fiat so their upside if things go wrong is the BTC collateral.

- 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 cannot pay back Alice $55,000
- Alice opens mediation
- Mediators award Alice 90% of what is in the multi-sig and award Bob 10%. If partial payment received this would be awarded as a percentage of the partial payment.



**Interest**

Here is the bad case for interest. In this case I assume 1 BTC = 25,000 BSQ

- 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 loses all her funds with some poor trades. 
- Alice has lost everything. At the end of the year she cannot send Bob back 2 BTC + 7% interest to the address pre stipulated in the terms.
- Bob provides proof to the DAO that the repayment did not occur and requests Alice's 100,000 BSQ to be issued to him.
- DAO confirms no repayment and issues Bob with 100,000 BSQ

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