[bisq-network/bisq] How to calculate trade penalties? (#5324)

[Conza]

Things that jump out to me:

**Buyer does not respond to mediator for 48 hours** = why? He doesn't give AF? Did not notice notification? Was away with RL? Or options trade and now quiet about it. If any intent becomes apparent/obvious that there's ill will etc. 

**Buyer is asking for selfie, copy of ID of seller, home address.** = there's been times where the other party did not setup Transferwise correctly (set one currency as default), so this was getting asked. I'd pass that on and help them fix it. I get that this is different. 

**Buyer uses BTC, Bisq, Bitcoin, BTC Tx ID, etc as a payment reference** = loose lips sink ships. 25%? I'm inclined to say, not only are you dead to me, that person should lose it all. Seriously. You put others accounts in jeopardy as likely what happened with TW.

**Buyer uses unagreed potentially concerning payment reference that such as 'payment for services', 'house rewire', 'consultancy'** = Haha, yes. Hence need to improve comm's/notifications for traders (not just agents).

**Buyer uses unagreed innocuous payment reference that such as holiday fund, flowers without agreement.** = this is 5%, seen as less worse than the above for 10%? Because looks like business orientated above vs. personal? 

**Buyer attempts to debit sellers account using their bank details**
**Buyer raises request for refund from Revolt / TransferWise due to buyer using their account to sell them Bitcoin.** = buyer losing 100% trade, but keeps security deposit. I'd also suggest losing security deposit. 

**Buyer does not make payment in trade window** = don't want to incentivise escalations. Would preface if no comms from willing to wait. e.g. TW transfer and went 4 days instead of 1, through no fault of my own. Other was ok to wait, but if this existed, might have wanted to raise to get %. 

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