Here in Brazil, govmnt started to force bitcoiners to report trades with our national ID, amount and price and if the trades are above 6,5k USD (converted) per month we are subject to pay 15% of our gains over all trades automatically on our annual tax sheet, that alone shouldn't be a problem, but a lot of our P2P traders (otc trades) are being quesitoned by the police if the amount of money is too high, and people are getting afraid to trade on the national exchanges due to kyc and auto-report (here, the exchanges are required to report all user activities to our govmnt).
That leave us with the no KYC option to trade, robosats and bisq, but there's a catch: FRAUD and REVERSAL.
Either one doesn't seem to worry about funds being reversed after the trade has been completed, and the sellers are left to harm and losses.
Bisq:
On Bisq we have an account age system, that tells us the age of an account a user has registered on bisq, that is partly good because a fraudulent party usually wouldnt be able to cash out a fraudulent account twice, but this is not enough reputational system to avoid reversal, if the buyer reverts its fiat transfer, then the seller can't REPORT that incident after having completed the trade, and the banking system here allows anyone to revert a fiat transactions for even after a week.
On defunct localbitcoins at least we could report fraudsters/reversals AFTER the trade was completed, flaging those buyers so they couldn't coup another seller.
Bisq on the other hand has it account aging system that shows the age of account of the seller (which can't cheat the trade, once the bitcoins cant be reversed), and buyer, but after the seller receives the fiat, it doesn't prompt the seller if the fiat transfer came from the buyer registered account, so he could send money from a third-party account anyway and play the old man-in-the-middle coup.
As for robosats, they don't have any reputational system at all, all robots are anonymous and after btc ln has been sent, the sellers are all at risk for reversal and fraud, and the fraudster can use robosats again to steal from another seller.
Since the money comes from DOXED accounts anyway, why dont robosats and bisq have a solid reputational system based on the accounts used to transfer the fiat?
Should be simple, buyer executes a sell order, seller's account info shows on his screen, and the buyer's account age shows on sellers screen as well, right after buyer clicks payment completed, bisq / robosats then follow up prompting the seller: THE ACCOUNT USED TO PAY THE ORDER IS THIS ONE (shows buyer's registered account info), in case it isn't, then the seller has the option to return the payment to original account and prompt the buyer if he received his payment back and both cancel the trade!
I know, somewhat painful, but sellers should have the option to turn this verification on, and buyers have to agree that if they're gonna execute such seller order they should only transfer money using registered account info.
The way it is right now it promotes fraud, because the buyer will always have their bitcoin and seller is left with the losses.
https://p2pcripto.com