[bisq-network/growth] Add Bizum as a new payment method (popular in Spain) (#222)

[pazza]

## Bizum

Resources: 

[Bizum website](https://bizum.es/en/) 
[Bizum Wiki](https://es.wikipedia.org/wiki/Bizum)
[Bizum FAQs](https://bizum.es/en/frequently-asked-questions/)

Bizum is a mobile payment provider service based in Spain. Bizium is a result of the collaboration of almost all of the Spanish banks to create a system of instant payments between individuals and shopping in stores. 

### Region

Spain. You need is a bank account (IBAN) in Spain with any of the entities which offer the service and a mobile phone number.

The Bizum service is not yet available for bank accounts outside Spain. Insofar as the telephone is concerned, Bizum has no restrictions, reason why it would not be a problem to make a Bizum to foreign mobile phone numbers which have a Spanish bank account associated with those phone numbers

### Currencies

EUR

### Chargeback risk

Low

### Size of user base

13 million users

### Data requirements

The service allows payments between users using the mobile application and knowing only the recipient's phone number.

### Verification

TLSNotary can not be used as payment method is app based.  Screen recording / screenshots might be able to be used to provide payment proof.

### Duration

Instant payments, less than 10 seconds. 

When the user wants to send money, they will receive a verification text message that, along with a code, they will have to enter in the application. Once this is done, the transaction is done and the other user receives the funds instantly. The recipient also receives a text message confirming the receipt of the transferred funds.

### Fees

Free to send and receive

### Fraud risk

Low

### Payment amounts

Can be used for amounts between 0.50 and 1000 per payment

The maximum amount of transactions you can receive using Bizum is 2000 Euros per day.

- Minimum amount per operation: €0.50
- Maximum amount per operation: €1,000
- Amount of operations received per client per day: €2,000
- Number of operations issued and received by a client in a month: 150 operations
- Maximum number of recipients to be included in a multiple request/remittance: 30 recipients
- Duration of pending remittance to a Non-Client: 2 days
- Duration of the pending request to a Non-Client: 7 days

Each bank however may establish its own limits, within these limits, for its clients.


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