[bisq-network/bisq] New user account model (#5339)

[pazza]

Hi @sqrrm 

I think it is important to distinguish between types of fraud. I am sure their are lots of possibilities but in general:

1. Chargebacks (user using their own account)
2. Stolen accounts (user using another persons account)
3. Triangulation fraud  (user using another persons account)
4. Card fraud (possible now with Amazon and TransferWise)

Account signing is great and protects users from all of the above by limiting potential losses to 0.01 BTC or less.

Accounts that do not require signing are protected from chargebacks only and losses for the other frauds could be as much as 0.25 BTC.

For this reason, I would propose extending the use of account signing to all account types. The limit of 0.01 BTC combined with the aging is a good way to ensure the user of the account is who they say they are. 

Maybe as mentioned in the other thread an option for sellers to make offers to people who are already signed, and similarly for buyer to make offer only for signed sellers to take, would be great.

Traders wishing to trade with unsigned new users could still do so but would likely expect a better price when buying and higher price when selling.

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