Account limits - Revision history

SuddenWhipVapor: /* With your own signed account */

2026-02-12T12:24:13Z

With your own signed account

SuddenWhipVapor: /* How to get an account signed */ better wording

2025-11-07T12:57:30Z

How to get an account signed: better wording

MwithM: /* Buying BTC */ Add mintradesizetobesigned new template

2025-02-18T16:25:28Z

Buying BTC: Add mintradesizetobesigned new template

Pazza: /* How to get an account signed */

2025-02-18T15:58:28Z

How to get an account signed

Pazza: /* Buying BTC */

2025-02-18T15:57:30Z

Buying BTC

Strayorigin: changed the mention of the .01 BTC max limit for unsigned buyers to MaxTradeSizeUnsigned macro

2025-01-30T21:41:03Z

changed the mention of the .01 BTC max limit for unsigned buyers to MaxTradeSizeUnsigned macro

MwithM: Update max amounts as per #467

2025-01-24T16:44:02Z

Update max amounts as per #467

Strayorigin at 17:09, 8 January 2025

2025-01-08T17:09:31Z

Strayorigin: changed max limits

2024-12-27T05:23:24Z

changed max limits

Pazza: /* Account signing */

2024-06-16T18:27:16Z

Account signing

@@ Line 147: / Line 147: @@
 ==== With your own signed account ====
-Once you have 1 signed payment account, any new payment account you create that requires signing will be self-signed as long as it uses the '''exact same name''' as your previously signed account. The payment account can be of a different type (e.g. a signed SEPA account can self-sign a SEPA Instant account), but a payment account created with a name that is even slightly different will not be self-signed.
+Once you have a signed and fully matured payment account, any new payment account you create after it, that requires signing, will be self-signed as long as it uses the '''exact same name''' as your previously signed account. The payment account can be of a different type (e.g. a signed SEPA account can self-sign a SEPA Instant account), but a payment account created with a name that is even slightly different will not be self-signed.
 Payment account types that don't require your full name cannot be self-signed (e.g. Revolut, which only requires an email address) and they cannot self-sign other payment accounts.

@@ Line 121: / Line 121: @@
 === How to get an account signed ===
-Payment accounts that require signing cannot buy more than {{MaxTradeSizeUnsigned}} until 30 days ''after'' they are signed. There's two ways to get your account signed.
+Payment accounts that require signing cannot buy more than {{MaxTradeSizeUnsigned}} until 30 days ''after'' they are signed. Accounts can be signed with the following two methods.
 ==== Buying BTC ====

@@ Line 125: / Line 125: @@
 ==== Buying BTC ====
 To sign your account you have to buy BTC following these requirements:
-* trade amount is greater than or equal to .0005 BTC and lesser than or equal to {{MaxTradeSizeUnsigned}}
+* trade amount is greater than or equal to {{MinTradeSizeToBeSigned}} BTC and lesser than or equal to {{MaxTradeSizeUnsigned}}
 * offer must be in a market that requires signing (USD, EUR, CAD, GBP, AUD, BRL)
 * seller's account must have been signed for over 30 days at the time of the signing trade
@@ Line 137: / Line 137: @@
 <div style="clear: both;"></div>
-In the image above, the offer on top does not have a check mark, but the offer on the bottom does. And it's a valid size (i.e., between 0.0005 BTC and {{MaxTradeSizeUnsigned}}), so taking that offer and successfully completing the trade will result in a signed account.
+In the image above, the offer on top does not have a check mark, but the offer on the bottom does. And it's a valid size (i.e., between {{MinTradeSizeToBeSigned}} BTC and {{MaxTradeSizeUnsigned}}), so taking that offer and successfully completing the trade will result in a signed account.
 You can see your payment account's limits and signing status at <code>Accounts</code> > <code>National Currency Accounts</code>. Pick an account and look toward the bottom:

@@ Line 137: / Line 137: @@
 <div style="clear: both;"></div>
-In the image above, the offer on top does not have a check mark, but the offer on the bottom does. And it's a valid size (i.e., between 0.0025 BTC and {{MaxTradeSizeUnsigned}}), so taking that offer and successfully completing the trade will result in a signed account.
+In the image above, the offer on top does not have a check mark, but the offer on the bottom does. And it's a valid size (i.e., between 0.0005 BTC and {{MaxTradeSizeUnsigned}}), so taking that offer and successfully completing the trade will result in a signed account.
 You can see your payment account's limits and signing status at <code>Accounts</code> > <code>National Currency Accounts</code>. Pick an account and look toward the bottom:

@@ Line 125: / Line 125: @@
 ==== Buying BTC ====
 To sign your account you have to buy BTC following these requirements:
-* trade amount is greater than or equal to .0025 BTC and lesser than or equal to {{MaxTradeSizeUnsigned}}
+* trade amount is greater than or equal to .0005 BTC and lesser than or equal to {{MaxTradeSizeUnsigned}}
 * offer must be in a market that requires signing (USD, EUR, CAD, GBP, AUD, BRL)
 * seller's account must have been signed for over 30 days at the time of the signing trade

@@ Line 37: / Line 37: @@
 [[File:Account-signing-overview.png|thumb|right|A graphical overview of account signing.]]
-Account signing limits ''buying'' limits of risky fiat payment methods to 0.01 BTC until the trader has bought bitcoin from a seller with a signed payment account, and then gradually phases in full buying limits. Selling limits are unaffected.
+Account signing limits ''buying'' limits of risky fiat payment methods to {{MaxTradeSizeUnsigned}} until the trader has bought bitcoin from a seller with a signed payment account, and then gradually phases in full buying limits. Selling limits are unaffected.
 In a nutshell, this is how it works:
 * Payment account is created in Bisq for risky payment method
-** Buying is limited to 0.01 BTC per trade until account is signed (see how [[#How_to_get_an_account_signed|below]])
+** Buying is limited to {{MaxTradeSizeUnsigned}} BTC per trade until account is signed (see how [[#How_to_get_an_account_signed|below]])
 * 30 days after signing, buying limits are increased to 50% of maximum
 * 60 days after signing, maximum trade size is allowed
@@ Line 47: / Line 47: @@
 Let's see how this works in practice by looking at an example. SEPA has a maximum trade size of 0.0624 BTC, and it requires account signing in order for to enable full trade limits.
-First let's observe what happens if a new SEPA account is never signed. Notice how buying limits never increase beyond 0.01 BTC, but selling 0.0624 BTC is allowed from day 0.
+First let's observe what happens if a new SEPA account is never signed. Notice how buying limits never increase beyond {{MaxTradeSizeUnsigned}}, but selling 0.0624 BTC is allowed from day 0.
 {| class="wikitable"
@@ Line 55: / Line 55: @@
 |-
 | Day 0
-| 0.01 BTC
+| {{MaxTradeSizeUnsigned}}
 | 0.0624 BTC
 |-
 | Day 30
-| 0.01 BTC
+| {{MaxTradeSizeUnsigned}}
 | 0.0624 BTC
 |-
 | Day 60
-| 0.01 BTC
+| {{MaxTradeSizeUnsigned}}
 | 0.0624 BTC
 |-
 | Day 90
-| 0.01 BTC
+| {{MaxTradeSizeUnsigned}}
 | 0.0624 BTC
 |}
-If that SEPA account manages to get signed on the same day it's created, it will see its 0.01 BTC limit increased on Day 30. Selling limits are unaffected.
+If that SEPA account manages to get signed on the same day it's created, it will see its {{MaxTradeSizeUnsigned}} limit increased on Day 30. Selling limits are unaffected.
 {| class="wikitable"
@@ Line 79: / Line 79: @@
 |-
 | Day 0 - Account Signed
-| 0.01 BTC
+| {{MaxTradeSizeUnsigned}}
 | 0.0624 BTC
 |-
@@ Line 103: / Line 103: @@
 |-
 | Day 0
-| 0.01 BTC
+| {{MaxTradeSizeUnsigned}}
 | 0.0624 BTC
 |-
 | Day 30 - Account Signed
-| 0.01 BTC
+| {{MaxTradeSizeUnsigned}}
 | 0.0624 BTC
 |-
@@ Line 121: / Line 121: @@
 === How to get an account signed ===
-Payment accounts that require signing cannot buy more than 0.01 BTC until 30 days ''after'' they are signed. There's two ways to get your account signed.
+Payment accounts that require signing cannot buy more than {{MaxTradeSizeUnsigned}} until 30 days ''after'' they are signed. There's two ways to get your account signed.
 ==== Buying BTC ====
 To sign your account you have to buy BTC following these requirements:
-* trade amount is greater than or equal to .0025 BTC and lesser than or equal to 0.01 BTC
+* trade amount is greater than or equal to .0025 BTC and lesser than or equal to {{MaxTradeSizeUnsigned}}
 * offer must be in a market that requires signing (USD, EUR, CAD, GBP, AUD, BRL)
 * seller's account must have been signed for over 30 days at the time of the signing trade
@@ Line 137: / Line 137: @@
 <div style="clear: both;"></div>
-In the image above, the offer on top does not have a check mark, but the offer on the bottom does. And it's a valid size (i.e., between 0.0025 BTC and 0.01 BTC), so taking that offer and successfully completing the trade will result in a signed account.
+In the image above, the offer on top does not have a check mark, but the offer on the bottom does. And it's a valid size (i.e., between 0.0025 BTC and {{MaxTradeSizeUnsigned}}), so taking that offer and successfully completing the trade will result in a signed account.
 You can see your payment account's limits and signing status at <code>Accounts</code> > <code>National Currency Accounts</code>. Pick an account and look toward the bottom:
@@ Line 151: / Line 151: @@
 Payment account types that don't require your full name cannot be self-signed (e.g. Revolut, which only requires an email address) and they cannot self-sign other payment accounts.
-Self-signed accounts are immediately signed, but limits are not immediately lifted. This is because they have an age of 0 days, so 30 days must pass for the 0.01 BTC limit to be lifted, and another 30 days must pass for full trading ability to take effect (see tables above).
+Self-signed accounts are immediately signed, but limits are not immediately lifted. This is because they have an age of 0 days, so 30 days must pass for the {{MaxTradeSizeUnsigned}} limit to be lifted, and another 30 days must pass for full trading ability to take effect (see tables above).
 == Backing up and restoring payment accounts ==

@@ Line 1: / Line 1: @@
 Elevated '''account limits''' apply to fiat payment accounts in order to limit damage a malicious user can do while allowing honest users to start trading immediately with no KYC and utmost privacy.
-Altcoin accounts can trade 1 BTC right away, but all fiat payment account types have limits lower than 1 BTC to match their particular risk profiles (see [[Payment_methods#Fiat_payment_methods|this table]] for details). Some payment methods with chargeback risk implement a mechanism called ''account signing'' that restricts trading activity until a trader proves their integrity to further secure against foul play.
+Altcoin accounts can trade 0.5 BTC right away, but all fiat payment account types have limits lower than 0.5 BTC to match their particular risk profiles (see [[Payment_methods#Fiat_payment_methods|this table]] for details). Some payment methods with chargeback risk implement a mechanism called ''account signing'' that restricts trading activity until a trader proves their integrity to further secure against foul play.
 To reduce the size of trades entering arbitration Bisq also sets new users trade limits to be 0.1 BTC. This is an additional limit to account limits but users can opt out of this limit at any time.
@@ Line 9: / Line 9: @@
 == Which payment accounts are affected ==
-Only fiat payment methods are affected by elevated account limits. Altcoin accounts are only affected by the new user limits which can be opted out if necessary for allow every altcoin account to trade up to 1 BTC right away upon creating a payment account in Bisq.
+Only fiat payment methods are affected by elevated account limits. Altcoin accounts are only affected by the new user limits which can be opted out if necessary for allow every altcoin account to trade up to 0.5 BTC right away upon creating a payment account in Bisq.
 All fiat payment methods in all markets limit total trade size depending on the payment method's risk profile (see [[Payment_methods#Fiat_payment_methods|this table]] for details).
 Despite these limitations, chargebacks can still be possible for certain payment methods. Bisq reduces this risk with a mechanism called '''account signing'''.
 Account signing only applies to payment accounts that meet ''both'' of the following conditions:
@@ Line 45: / Line 45: @@
 * 60 days after signing, maximum trade size is allowed
-Let's see how this works in practice by looking at an example. SEPA has a maximum trade size of 0.125 BTC, and it requires account signing in order for to enable full trade limits.
+Let's see how this works in practice by looking at an example. SEPA has a maximum trade size of 0.0624 BTC, and it requires account signing in order for to enable full trade limits.
-First let's observe what happens if a new SEPA account is never signed. Notice how buying limits never increase beyond 0.01 BTC, but selling 0.125 BTC is allowed from day 0.
+First let's observe what happens if a new SEPA account is never signed. Notice how buying limits never increase beyond 0.01 BTC, but selling 0.0624 BTC is allowed from day 0.
 {| class="wikitable"
@@ Line 56: / Line 56: @@
 | Day 0
 | 0.01 BTC
-| 0.125 BTC
+| 0.0624 BTC
 |-
 | Day 30
 | 0.01 BTC
-| 0.125 BTC
+| 0.0624 BTC
 |-
 | Day 60
 | 0.01 BTC
-| 0.125 BTC
+| 0.0624 BTC
 |-
 | Day 90
 | 0.01 BTC
-| 0.125 BTC
+| 0.0624 BTC
 |}
@@ Line 80: / Line 80: @@
 | Day 0 - Account Signed
 | 0.01 BTC
-| 0.125 BTC
+| 0.0624 BTC
 |-
 | Day 30
-| 0.0625 BTC
+| 0.03125 BTC
-| 0.125 BTC
+| 0.0624 BTC
 |-
 | Day 60
-| 0.125 BTC
+| 0.0624 BTC
-| 0.125 BTC
+| 0.0624 BTC
 |-
 | Day 90
-| 0.125 BTC
+| 0.0624 BTC
-| 0.125 BTC
+| 0.0624 BTC
 |}
@@ Line 104: / Line 104: @@
 | Day 0
 | 0.01 BTC
-| 0.125 BTC
+| 0.0624 BTC
 |-
 | Day 30 - Account Signed
 | 0.01 BTC
-| 0.125 BTC
+| 0.0624 BTC
 |-
 | Day 60
-| 0.0625 BTC
+| 0.0325 BTC
-| 0.125 BTC
+| 0.0624 BTC
 |-
 | Day 90
-| 0.125 BTC
+| 0.0624 BTC
-| 0.125 BTC
+| 0.0624 BTC
 |}
@@ Line 129: / Line 129: @@
 * seller's account must have been signed for over 30 days at the time of the signing trade
-Through taking an offer you can make sure that the offer fulfils the requirements to sign your account. Making an offer could not sign your account, because taker could be unable to sign your account (signed since less than 30 days, or unsigned).
+Through taking an offer you can make sure that the offer fulfills the requirements to sign your account. Making an offer could not sign your account, because taker could be unable to sign your account (signed since less than 30 days, or unsigned).
 The Bisq interface makes it easy to determine if an offer can help you get signed: simply '''look for buy offers with a check mark badge''':
@@ Line 159: / Line 159: @@
 == User opt-out limits ==
-To reduce trades into arbitration for new users unfamilair with Bisq, new users have a 0.1 BTC limit by default that can be opt-out of at any time.
+To reduce trades into arbitration for new users unfamiliar with Bisq, new users have a 0.1 BTC limit by default that can be opt-out of at any time.
 To access this limit go to Settings > Preferences