[bisq-network/growth] Add Capitual - Multi-currency payment method; EUR, BRL, USD and GBP (#246)

[pazza]

## Capitual - Multi-currency

[Capitual Website](https://www.capitual.com/)
[Capitual Fees & Limits](https://exchange.capitual.com/)
[Capitual GitHub](https://github.com/capitual)
[Capitual Help Centre](https://help.capitual.com/en)
[Terms and conditions](https://my.capitual.com/legal#tos)
[Prohibited uses](https://static.capitual.net/legal/prohibited-businesses.pdf?view)
[Capitual Twitter](https://twitter.com/capitual)
[Jeton Blog](https://blog.jeton.com/)

Originally requested as a BRL payment method: https://github.com/bisq-network/growth/issues/215

### Background

Capitual appears to be a small Estonian based startup trying to combine fiat and crypto payments. They run an associated commerce based wallet called [CapPay](https://cappay.capitual.com/). 

They have good support at present for BRL and EUR. With free fiat deposits, withdrawals. They also offer users to send and receive fiat and Bitcoin between users for free. Fiat and other assets can also be swapped to and from crypto.

>From the website:

> The world's first Hybrid Digital Bank. Where finances and technology merge into an inclusive future.

>Move fluidly through the most versatile platform on the market. Save, transfer and invest with a reliable and stable system, which gives a completely secure environment that allows the full management to be done seamlessly and privately.

>Whatever is your demand, Capitual wallets are ready to do the work! The most versatile and powerful wallets of the market. Create, manage and track all your wallets in real time. Send, receive, exchange and store fiat currencies, crypto-currencies and even precious metals.

>Where the best of cryptos and banking services meet. With Capitual, you can send and receive bank transfers, pay your bills directly from crypto-currencies, send invoices to anyone and keep track of your expenses for a simple but effective personal finances management.


### Region

Capitual say they operates in 48+ countries (US residents are excluded).

### Currencies

Multiple currencies are suported, these are:

- EUR
- BRL
- USD
- GBP

>From what I can see only EUR and BRL are the ones that are able to be withdrawn / deposited to and from a fiat account via SEPA or TED (Express Wire Transfer).

USD and GBP can be added in the app by exchanging other currencies / cryptos.

Stable coins; BUSD, USDT, USDC and DAI can also be deposited and used to send / receive payments.


### Size of user base

Unknown

### Duration

Instant payment between users.

Crypto-currency deposit | Instant 
Crypto-currency withdraw | Instant
Fiat deposit | As soon as the funds reach our accounts; our detection of bank transfers are automated. Note that bank transfers may not be instant due to banking system's nature.
Fiat withdraw | From 1 minute to 48 working hours; bank transfers are mostly automated, but there might be cases when our system or banking partners identifies suspicious activities and it requires a manual approach from our team.

### Fees

It is free to transfer fiat / crypto to other users.

It is free to deposit, withdraw BRL and EUR.

It is free to deposit crypto / stablecoin funds.

Crypto withdrawal fees are:

- Bitcoin: BTC 0.0001
- Litecoin: LTC 0.01
- Dash: DSH 0.01
- Ethereum: ETH 0.01
- Tether: USDT 0.50
- Binance USD: BUSD 0.50
- USD Coin: USDC 0.50
- Dai Stablecoin: DAI 0.50


### Fraud risk
Low

### How payments are made

Transfers take place using CapCodes. CapCodes are like coupon codes you can generate at any time and use it to transfer funds

CapCodes are an electronic cheque system that makes it possible to store amounts of money, precious metals or cryupto-currencies in a short code, easy to be written down, that can be written in a piece of paper to make transactions even when you are not connected to the internet.

When you generate a CapCode, you get a voucher (coupon code) that you must take note (don’t worry: it’s always possible to recover a CapCode that you have lost!). Such code stores funds in any of the currencies supported by Capitual, and you can share it with someone else, allowing the payment in any of these currencies. It’s needed to have a Capitual account to redeem a CapCode.

After generating a CapCode, the amount gets “locked in”, and is already deducted from your balance. If you have given up or will no longer need to use the CapCode, you can redeem it yourself, onto your own account. It’s also possible to track, from your account, whether a CapCode has already been redeemed.

For while, CapCodes are only available when accessing your account using a computer.

### Payment amounts

Unconfirmed accounts have a fixed transfer limit of US$ 9,999.00. As this limit is reached, the account must be confirmed for continued usage.

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