[bisq-network/bisq] Bisq 2 identity concept (Discussion #6013)

[chimp1984]

Those are all very valid and good points. 
The ideas about reputation are limited to the social trading concept where certain constraints are in place.  Like small trade amounts and that the BTC seller has BSQ burned which serves as a privacy-friendly reputation feature.
To add other sources for reputation like external links to social media platforms, number of trades or past trade volumes, feedback from other traders is optional and maybe not needed at all. Doing risk assessment is work and we want to lower that to the minimum.

Other trade protocols like atomic swaps will not require reputation at all.
The Bisq 2of2 Multisig protocol might require some for lowering chargeback risks, but there we likely stick with the account age signing concept which is more privacy-friendly. And it depends on the payment method.

> For example using payment methods that have a fixed time period where chargebacks are possible, and requiring that the trade take longer than that before it settles?

Unfortunately thats difficult as up to 6 months chargeback is possible for most banks/payment processors. "Friendly chargeback" (where the user calls the bank to revert the transaction) are less of a problem as it cannot be repeated many times as the bank would flag such a client. So those scams do not scale up to become a critical problem for the platform itself. The main problems are chargebacks caused by stolen bank accounts, where additionally to the lost funds the user might get contacted by the police. But here 2FA has improved the situation over the past years at least in the EU. Security deposit and smalle trade amounts are other factors which tend to keep scammers off from Bisq.  

In Bisq 2 we plan to be more flexible with payment methods and allow users to define whatever they want to use, including chargeback risky methods like PayPal. Traders will get a warning and have to take responsibility if they trade convenience against security here. This risk will also be reflected in the price so it might regulate itself.

It is a departure from the more protective attitude from current Bisq. There might be some people who get hurt by that like people who are clicking on phishing emails. But it also opens up flexibility and we push the  edges where we do not have the resources and knowledge to make a decision if a payment method can be considered safe. Specially for emerging markets that should help and is a limiting factor now. Its very difficult to research and estimate risk for a payment method in some emerging markets country where a Bisq contributor cannot open an account for testing it out, so most of those options are left out in Bisq. By pushing the intelligence and responsibility to the edges we can server more of those people. 

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