Table of penalties

Penalties

Bisq has Rules in place to make the trading process as safe and convenient as possible for all parties involved, and it is important those rules are followed by users.

Penalties are a percentage of the trade amount, deducted from the offending peer's security deposit and offered as a compensation to the other peer during the Dispute resolution process The actual penalty will be _**up to**_ the values detailed below, depending on security deposit % and mediator's discretion, _**except**_ for 100% penalties, that refer to serious violations and will always imply losing the whole amount (trade + deposit).

Alternatively, if good communication is established, peers can use trader chat to agree on a penalty amount to relay to their mediator.

BTC Buyer or Seller issues:

	Buyer or Seller
100%	Fraud attempt: debiting of peer's account, code tampering
25%	Not responding to a mediator within 48h
20%	Cancelling a trade
20%	Requesting that payment be made from/to a different account name, without mediator's acknowledgement
10%	Requiring personal data: ID, home address, etc. (Bisq should incentivize accounts that do not ask for any more info than necessary) I keep the explanation because penalizing a user because their bank asks for info is a controversial matter. I might agree with note 3 but this has been working so far.

BTC Buyer:

	Buyer
100%	Payment chargeback
25%	Bitcoin-related payment references (e; BTC, Bisq, Bitcoin...)
25%	Paying from an account with different name (as in "different person", while little variations, where it's clear payment comes for the correct person, are not penalized), seller is allowed to cancel the trade with no penalty
20%	Payment is 72+ hours late
15%	Payment is 48-72 hours late
15%	Paying from an account with same name but different account number, seller is allowed to cancel the trade with no penalty
10%	Payment is 24-48 hours late
10%	Similar, but wrong, payment method (eg. SWIFT instead of SEPA, SEPA instant instead of Wise...)
10%	Wrong payment amount: buyer has the option to correct the amount within the trade window, seller is allowed to cancel the trade with no penalty
10%	Using unagreed payment reference. Any unagreed payment reference (also the trade ID) shares the same penalty. "Flowers" could be as bad as "services rendered" depending on every single case
10%	Late payment because of low fee for altcoin tx; penalty can be reduced during mediation if buyer uses RBF or similar
5%	Payment is up to 24 hours late

BTC Seller:

	Seller
15%	BTC is released outside of trade window

- Release times can't be enforced, because at mediation, the last trader to accept the suggestion is the one who decides when the payout is submitted. - Cannot accept SEPA instant is replaced by buyer or seller's penalty "Suggest different payment method - account without mediator's acknowledgement.". This way, an instant SEPA trade could continue as normal SEPA - All reasons to cancel a trade are merged, because traders will tend to give the reason that penalizes them less