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

[MwithM]

"Buyer-seller is asking for selfie, copy of ID of seller, home address."
If it's the trader and not the bank who requires this info (with proper proof that the bank requires it) trader should lose all the security deposit. I'm not sure that, if banks are asking for it, traders would always have to be penalized as bank requirements can be very arbitrary.

"Buyer loses 50% of of the trade amount. Buyer retains the rest of their security deposit." Buyer can't lose 50% of the trade amount unless they've used a 50% security deposit, which is not very frequent.

We can't prove if buyer agreed to a certain payment reference as mediators don't have access to trading chat. Still, I agree that it should be penalized. https://github.com/bisq-network/bisq/issues/5044

"Seller does not release BTC in trade window" We still don't have a way to penalize late sellers. https://github.com/bisq-network/bisq/issues/4162

"Seller takes altcoin offer and then sends altcoin with a low fee that gets held up in the blockchain." Sellers don't send any altcoin payment, they just post trading and security amount at the fees recommended by Bisq client.

"Seller made a mistake they actually meant to buy not sell BTC, but offer was taken. | Seller has the option to complete the trade within the trade window.  If they fail to do this Seller loses the following; 0-24 hours late:  Seller loses 2.5% of the trade amount, 24-48 hours late: Seller loses 5%  of the trade amount, 48-72 hours late: Seller loses 7.5% of the trade  amount, 72-96 hours late: Seller loses 10% of the trade amount."
Losing 0.1BTC from a 1BTC alt trade when seller has opened mediation to communicate the mistake right after taking (or being taken) the offer is disproportionate to the damage done to the buyer, specially considering that sellers can't do future trading. Something like 2-5% of trade amount depending on the payment method, trade amount and price fluctuation would be better and it would not unnecessarily delay the trade as mediation could be done without delaying the mediation suggestion.

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