Bisq Wiki - Recent changes [en]

ACH Transfer

Strayorigin — Sun, 03 May 2026 17:57:38 GMT

Fixed typos; improved formatting and scannability; added prominent security warning regarding micro-deposit risks.

Connecting to your own Bitcoin node

Strayorigin — Sun, 03 May 2026 17:36:02 GMT

clean up code section for easy copy

ACH Transfer

SuddenWhipVapor — Wed, 29 Apr 2026 22:11:19 GMT

How do I buy BTC with my ACH Transfer account?

ACH Transfer

Pazza — Tue, 28 Apr 2026 19:12:07 GMT

How do I buy BTC with my ACH Transfer account?

Trading rules

SuddenWhipVapor — Wed, 15 Apr 2026 12:30:19 GMT

Do not confirm payments with mismatching details: requirement to open mediation when payment details don't match

Frequently asked questions

Darawhelan — Sat, 11 Apr 2026 23:42:34 GMT

"Cannot take offer because snapshot height does not match..." error

Bisq 2 mobile

SuddenWhipVapor — Sat, 11 Apr 2026 16:53:26 GMT

SuddenWhipVapor moved page Bisq 2 mobile to Bisq 2 mobile applications more appropriate and descriptive

MuSig-tradelimits

SuddenWhipVapor — Thu, 09 Apr 2026 07:58:00 GMT

Include limit simulator reference

@@ Line 1: / Line 1: @@
-'''ACH Transfer''', or Automated Clearing House Trasnfer, is a payment method introduced in Bisq v1.8.0. It is primarily used for domestic, low-value payments between participating financial institutions. ACH transfers are one of the two main bank transfer payment methods in the United States, the other being [[Domestic_Wire_Transfer|domestic Wire transfers]].
+'''ACH Transfer''', or Automated Clearing House transfer, is a payment method introduced in Bisq v1.8.0. It is primarily used for domestic, low-value payments between participating financial institutions in the United States. Along with [[Domestic_Wire_Transfer|domestic wire transfers]], ACH is one of the two primary bank transfer methods used in the US.
-== What countries offer ACH Transfer? ==
+== Quick Facts ==
-ACH is only available in the United States.
+* '''Supported Countries:''' United States only.
-== What currencies are available for ACH Transfer? ==
+<div style="background-color: #fff3cd; color: #856404; padding: 15px; border: 1px solid #ffeeba; border-left: 5px solid #856404; margin: 20px 0;">
-ACH only supports transfers of USD.
+Some banks verify external accounts using micro-deposits (small transfers of a few cents). If a trade partner initiates micro-deposits, they are likely attempting to "link" your account to theirs. In the ACH system, a linked account may allow the other party to '''debit (withdraw)''' funds from your account without further authorization.
-== What is the maximum trading duration for ACH Transfer? ==
+== Account Setup & Limits ==
-The maximum trade time is 5 days, but most are completed within 2 business days. Financial institutions send ACH transfers in batches. Depending on when the transfer is initiated, it will be received the next business day, by the end of the current day, or in real time.
+=== Is my bank compatible? ===
-== What is the maximum BTC limit for ACH Transfer? ==
+=== Fees and Limits ===
-{{MaxTradeSizeBisq1}}.
+== Adding ACH Transfer to Bisq ==
 To add your ACH account to Bisq:
-# Head to the top menu and select ''Account''.
+'''Note:''' Ensure all details are accurate. Sellers can only confirm payment if the name associated with the incoming ACH transfer matches the account name listed in Bisq.
-== Are there any fees for me to be aware of when sending an ACH transfer? ==
+== How to Trade with ACH ==
-Fees charged by your bank for sending an ACH transfer can vary and it's best to check with them. Fees can also be different depending on the speed of the transfer as some banks offer expedited processing.
+=== Buying BTC ===
-Generally, banks will not charge for receiving ACH transfers, but again, it's best to check with your bank since some do charge.
+=== Selling BTC ===
-== How does dispute resolution work with ACH transfers? ==
+== Dispute Resolution ==
-If a dispute occurs, the mediator may ask the buyer to send them information showing that they made the payment of the correct amount to the BTC Seller within the correct time frame. The mediator may also ask the seller to send them information to prove their account details are correct, or in the case of the BTC Buyer making a payment late, or of the wrong amount.
+If a dispute occurs, the mediator may ask the buyer to provide proof of payment (e.g., a PDF receipt) showing the correct amount and recipient details. The mediator may also ask the seller for a redacted statement to prove their account details or to show that a payment was not received.
-For more information see [[dispute resolution]].
+For more information, see [[dispute resolution]].

@@ Line 7: / Line 7: @@
 = General node settings =
-The bitcoin.conf file needs to contain the following settings (either by adding them or editing the existing ones):
+The <code>bitcoin.conf</code> file needs to contain the following settings. You can copy and paste this block directly into your configuration file:
-<code>server=1</code><br>
+<pre>
-<code>prune=0</code><br>
+server=1
-<code>peerbloomfilters=1</code><br>
+prune=0
-which in turn:
+* '''server=1''': enables the block server mode
-* enable the block server mode
+* '''prune=0''': disables the pruning of old blocks
-* disable the pruning of old blocks
+* '''peerbloomfilters=1''': allows Bisq to run its SPV wallet
 Multiple reports have been received, where any declination of the Ronin node just won't work, or will work once, only to stop working after the next reboot, requiring a restore to network provided nodes. We are not able to suggest a workaround, except involving Ronin support.
@@ Line 28: / Line 29: @@
 = Connecting to another Bitcoin node =
-By default, Bisq maximizes your privacy by connecting to nodes run by trusted  Bisq contributors.
+By default, Bisq maximizes your privacy by connecting to nodes run by trusted Bisq contributors.
 If you'd like to connect to another node, you can specify its address in <code>Settings</code> > <code>Network Info</code>. Bisq will validate the address and connect to the specified node the next time it starts.
@@ Line 38: / Line 39: @@
 * uncheck "Use Tor for Bitcoin network" under Settings>Network in Bisq application
 * fill in your node's local network <code>ipaddress:8333</code> in "Use custom bitcoin Core nodes" field
 = Troubleshooting =
 If you get into a state where Bisq is unable to connect, or stuck at SPV resync on the loading screen, you can revert to a provided node as follows.
 For MacOS:
- <code>/Applications/Bisq.app/Contents/MacOs/Bisq -btcNodes=ybryiy2k4p4pery4qseap4iu2rxput2akuvpvczwvg4eyfafcdsvyqid.onion:8333 -useTorForBtc=true </code>
+<pre>
 /Applications/Bisq.app/Contents/MacOs/Bisq -btcNodes=ybryiy2k4p4pery4qseap4iu2rxput2akuvpvczwvg4eyfafcdsvyqid.onion:8333 -useTorForBtc=true
 For Linux:
+<pre>
- <code>/opt/bisq/bin/Bisq -btcNodes=ybryiy2k4p4pery4qseap4iu2rxput2akuvpvczwvg4eyfafcdsvyqid.onion:8333 -useTorForBtc=true </code>
+/opt/bisq/bin/Bisq -btcNodes=ybryiy2k4p4pery4qseap4iu2rxput2akuvpvczwvg4eyfafcdsvyqid.onion:8333 -useTorForBtc=true
 For Windows:
+<pre>
- <code>%localappdata%\Bisq\Bisq.exe -btcNodes=ybryiy2k4p4pery4qseap4iu2rxput2akuvpvczwvg4eyfafcdsvyqid.onion:8333 -useTorForBtc=true </code>
+%localappdata%\Bisq\Bisq.exe -btcNodes=ybryiy2k4p4pery4qseap4iu2rxput2akuvpvczwvg4eyfafcdsvyqid.onion:8333 -useTorForBtc=true
+</pre>
 After Bisq successfully started and synchronized by running it with that command, you should then go to Settings > Network info, and select again "Use provided Bitcoin Core nodes".

@@ Line 23: / Line 23: @@
 == How do I set up a ACH Transfer account? ==
-Please note that not all banks offer ACH transfers to third parties. It's crucial to verify if your bank supports this service. Most banks allow ACH transfers to accounts you own at other institutions. However, they may ask you to confirm two micro-deposits they initiate. This process is not the same as a third-party transfer and Bisq sellers usually won't confirm these micro-deposits. Confirming micro-deposits enables your bank to send and receive money from that account, but this isn't a third-party transfer. If your bank fully supports third-party ACH transfers, they won't ask for micro-deposit verification. ACH transfers are typically provided at a low cost, so be sure to check with your bank about any fees.
+Please note that not all banks offer ACH transfers to third parties. It's crucial to verify if your bank supports this service. Most banks allow ACH transfers to accounts you own at other institutions. However, they may ask you to confirm three micro-deposits they initiate. This process is not the same as a third-party transfer, and Bisq sellers are instructed not to confirm these micro-deposits. Confirming micro-deposits enables your bank to send and receive money from that account, but this isn't a third-party transfer. If your bank fully supports third-party ACH transfers, they won't ask for micro-deposit verification. ACH transfers are typically provided at a low cost, so be sure to check with your bank about any fees.
 == How do I add ACH Transfer as a payment method in Bisq? ==
@@ Line 53: / Line 53: @@
 Once the BTC seller receives your payment, they will confirm in Bisq, and your security deposit and your purchased trade amount will be available in your wallet.
-'''Important:''' When sending an ACH payment, ensure it is a standard ACH transfer. Some banks allow you to set up an ACH Direct Deposit, which involves sending two micropayments to your trading partner's account for verification. Do not use '''ACH Direct Deposits for Bisq trades''', as these payments made by ACH direct debit can be charged back.
+'''Important:''' When sending an ACH payment, ensure it is a standard ACH transfer. Some banks allow you to set up an ACH Direct Deposit, which involves sending three micropayments to your trading partner's account for verification. Do not accept '''ACH Direct Deposits for Bisq trades''' nor communicate to the buyer the amounts of the microdeposits, as a linked ACH account will be exposed to funds withdrawal by your peer.
 == How do I sell BTC with my ACH Transfer account? ==
@@ Line 64: / Line 64: @@
 After the offer is confirmed, Bisq will provide the BTC Buyer with your ACH details. The Buyer should send the payment at their earliest convenience and confirm it in Bisq by clicking 'Payment Started'.
-'''Important:''' When receiving an ACH payment, ensure it is a standard ACH transfer. Some banks allow the recipient to set up an ACH Direct Deposit, which involves sending two micropayments to your account for verification. '''If you receive micropayments from a seller, do not verify them.''' Setting up ACH Direct Deposits for Bisq trades allows the seller to debit the buyer's account without further authorization.
+'''Important:''' When receiving an ACH payment, ensure it is a standard ACH transfer. Some banks allow the recipient to set up an ACH Direct Deposit, which involves sending two micropayments to your account for verification. '''If you receive micropayments from a buyer, do not verify them.''' Setting up ACH Direct Deposits for Bisq trades allows the buyer to debit the seller's account without further authorization.
 == Are there any limits for me to be aware of when sending an ACH transfer ==

@@ Line 52: / Line 52: @@
 Once the BTC seller receives your payment, they will confirm in Bisq, and your security deposit and your purchased trade amount will be available in your wallet.
 == How do I sell BTC with my ACH Transfer account? ==
@@ Line 61: / Line 63: @@
 After the offer is confirmed, Bisq will provide the BTC Buyer with your ACH details. The Buyer should send the payment at their earliest convenience and confirm it in Bisq by clicking 'Payment Started'.
 == Are there any limits for me to be aware of when sending an ACH transfer ==

@@ Line 55: / Line 55: @@
 === Do not confirm payments with mismatching details ===
-Payer name, account numbers, payment method, institution, and other details of a payment should match the details in the trade contract. If there are any concerns that buyer's payment details do not match (e.g. wrong name, account number etc) payment should not be accepted.'''
+Payer name, account numbers, payment method, institution, and other details of a payment should match the details in the trade contract. If there are any concerns that buyer's payment details do not match (e.g. wrong name, account number etc) mediation should be opened immediately, using the key combination <code>Ctrl-O</code> while on the trade panel.'''
 {{Admonition_Warn|This is especially relevant for trades in which a signed seller trades with an unsigned buyer, because confirmation of payment receipt signs the buyer’s payment account. In case of such an issue, a dispute should be opened.}}

@@ Line 205: / Line 205: @@
 . Navigate to your [[Data_directory]]. Delete the `DaoStateStore` directory and the `BsqBlocks` directory (usually found within `btc_mainnet/db/`).
 . Restart Bisq. It will resync the DAO state.
 ==== "Cannot take offer because snapshot height does not match..." error ====
@@ Line 210: / Line 211: @@
 . Try going to `Settings` > `Preferences` and click "Rebuild DAO state from resources".
 . Restart Bisq when prompted. Let the DAO sync fully (watch for "Synchronizing DAO" message at the bottom to disappear).
-. Try taking the offer again. If the error persists, the other trader likely needs to resync their DAO state.
+. The resync should complete with in 10 minutes. To see the progress go to DAO > BSQ Wallet > Transactions. There is a status indicator at the bottom of the screen.
 === Installation / Environment Issues ===

@@ Line 1: / Line 1: @@
-The mobile version of Bisq 2 allows you to access the [[Bisq Easy]] protocol from a smartphone, and it comes in two versions:
+The mobile ecosystem of Bisq 2 allows access to the [[Bisq Easy]] protocol from a smartphone, via two applications:
-* Bisq Easy full node
+* Bisq Easy Mobile (Android only)
-* Bisq 2 remote
+* Bisq Connect (Android and iOS)
-== Bisq Easy full node ==
+== Bisq Easy Mobile ==
-This is the full experience of Bisq Easy on mobile: the application acts as an autonomous node on the Bisq 2 p2p network, getting its own onion address and hosting all the features of the Bisq Easy trading protocol in your pocket.
+Bisq Easy Mobile is a full Bisq Easy node running on your Android device. It features the complete p2p network stack and connects with its own onion address.
-It is tailored mostly for buyers, who:
-* are completely new to Bitcoin and want to get their first satoshis, so they can use them to cover for the security deposit on [[Bisq 1]], in order to access a more advanced trading protocol, with larger liquidity and better prices
+It provides the same privacy and security as the Bisq 2 desktop application.
-* do not own a desktop computer, or share it with other people, and prefer not to expose their trading
 Cons:
-* it will use more of your battery, because it has to manage the full p2p stack to be online
+* Available for Android only
-* you phone might kill the process after a while to free up resources, so you will need to start it again
+* Higher battery, bandwidth, and resource usage
-== Bisq 2 remote ==
+* your own Bisq 2 desktop application
-It works in a similar way to what a remote desktop does, since you need a running Bisq 2 instance on your desktop computer at home, or a headless instance on a VPS, or even some trusted third party who runs Bisq 2 and allows you to piggyback on his desktop connection.
+The mobile app acts as a remote interface, allowing you to monitor and manage your node from your phone.
-It is the preferred option for sellers, or frequent buyers:
-* lightweight if compared to the Bisq Easy full node version
+Features:
-* all the profile information and offer book activity is managed in a single place (your desktop computer) so access to trades can be transparently available on two different devices
+* Pairing via QR code
-* even if your phone kills its process, the current state will be preserved on the desktop application
+* Real-time market data
-* this will be the version where access to new protocols could be added in the future, for example the MuSig upgrade of the existing Bisq1 multisig protocol
+* Push notifications
 Cons:
-* you need a desktop instance running somewhere (this is the only downside, really)
+* Requires a running backend node

← Older revision		Revision as of 07:58, 9 April 2026
(One intermediate revision by the same user not shown)
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−	== ~~WIP~~ ==	+	== Why are trade limits necessary? ==

−	~~Setting~~ a ~~higher~~ limit ~~for~~ trade ~~amounts~~ is ~~an effective way~~ to ~~reduce security risk when dealing with new users.~~	+	Most fiat payment methods carry a risk of bank chargebacks.
		+	To reduce this risk, Bisq applies both trade amount limits and trade rate limits to Bitcoin buyers, since buyers are the ones who could initiate a chargeback.
		+
		+	=== Fiat trades – Bitcoin buyers ===
		+
		+	Trade limits depend on:
		+
		+	* The chargeback risk of the selected payment method
		+	* Whether the buyer has imported a signed account age witness from Bisq 1
		+	* The age of the payment account
		+
		+	=== Fiat trades – Bitcoin sellers ===
		+
		+	For sellers, trade limits depend only on the selected payment method.
		+
		+	=== Cryptocurrency trades ===
		+
		+	A maximum trade amount limit equivalent to 10,000 USD applies.
		+
		+
		+	== How are trade limits applied? ==
		+
		+	Trade limits are calculated based on these rules:
		+
		+	* Each fiat payment method has a chargeback risk level. Depending on that level, the maximum trade amount of 10,000 USD can be reduced by up to 50%.
		+	* If a user imports a previously signed Bisq 1 account, all limits are removed.
		+	* If a payment account is older than 90 days, limits are removed. For newer accounts, limits increase gradually until reaching that age.
		+
		+	=== Trade rate limit ===
		+
		+	The trade rate limit (number of trades allowed per day) is based on the trade amount limit:
		+
		+	* It is calculated as: trade amount limit ÷ 1,000
		+	* The minimum value is 1 trade per day
		+	* Once the maximum trade amount limit is reached, the trade rate limit no longer applies
		+
		+	You can import accounts from Bisq 1 and keep their account age.
		+
		+
		+	== Trade limit calculator ==
		+
		+	Use the simulator to see which limits apply to you based on:
		+
		+	* Your selected payment method
		+	* The age of your payment account
		+	* Whether you have imported a signed Bisq 1 account