Pop-up warning for trading with risky payment methods

core/src/main/resources/i18n/displayStrings.properties

@@ -3293,6 +3293,18 @@ payment.accountType=Account type
 payment.checking=Checking
 payment.savings=Savings
 payment.personalId=Personal ID
+payment.makeOfferToUnsignedAccount.warning=With the recent rise in BTC price, beware that selling 0.01 BTC or less incurs higher risk than before.\n\n\
+It is highly recommended to either:\n\
+- make offers >0.01 BTC, so you only deal with signed/trusted buyers\n\
+- keep any offers to sell <0.01 BTC to around ~100 USD in value, as this value has (historically) discouraged scammers\n\n\
+Bisq developers are working on better ways to secure the payment account model for such smaller trades. \
+  Join the discussion here: [HYPERLINK:https://github.com/bisq-network/bisq/discussions/5339].
+payment.takeOfferFromUnsignedAccount.warning=With the recent rise in BTC price, beware that selling 0.01 BTC or less incurs higher risk than before.\n\n\
+It is highly recommended to either:\n\
+- take offers from signed buyers only\n\
+- keep trades with unsigned/untrusted buyers to around ~100 USD in value, as this value has (historically) discouraged scammers\n\n\
+Bisq developers are working on better ways to secure the payment account model for such smaller trades. \
+  Join the discussion here: [HYPERLINK:https://github.com/bisq-network/bisq/discussions/5339].
 payment.clearXchange.info=Zelle is a money transfer service that works best *through* another bank.\n\n\
   1. Check this page to see if (and how) your bank works with Zelle: [HYPERLINK:https://www.zellepay.com/get-started]\n\n\
   2. Take special note of your transfer limits—sending limits vary by bank, and banks often specify separate daily, weekly, and monthly limits.\n\n\

desktop/src/main/java/bisq/desktop/main/offer/MutableOfferViewModel.java

@@ -49,6 +49,7 @@
 import bisq.core.offer.OfferRestrictions;
 import bisq.core.offer.OfferUtil;
 import bisq.core.payment.PaymentAccount;
+import bisq.core.payment.payload.PaymentMethod;
 import bisq.core.provider.fee.FeeService;
 import bisq.core.provider.price.MarketPrice;
 import bisq.core.provider.price.PriceFeedService;
@@ -660,6 +661,7 @@ public void onPaymentAccountSelected(PaymentAccount paymentAccount) {
 
         btcValidator.setMaxValue(dataModel.paymentAccount.getPaymentMethod().getMaxTradeLimitAsCoin(dataModel.getTradeCurrencyCode().get()));
         btcValidator.setMaxTradeLimit(Coin.valueOf(dataModel.getMaxTradeLimit()));
+        maybeShowMakeOfferToUnsignedAccountWarning();
 
         securityDepositValidator.setPaymentAccount(paymentAccount);
     }
@@ -776,6 +778,8 @@ public void onFocusOutMinAmountTextField(boolean oldValue, boolean newValue) {
             } else {
                 syncMinAmountWithAmount = true;
             }
+
+            maybeShowMakeOfferToUnsignedAccountWarning();
         }
     }
 
@@ -1218,6 +1222,16 @@ private void validateAndSetBuyerSecurityDepositToModel() {
         }
     }
 
+    private void maybeShowMakeOfferToUnsignedAccountWarning() {
+        if (dataModel.getDirection() == OfferPayload.Direction.SELL &&
+                PaymentMethod.hasChargebackRisk(dataModel.getPaymentAccount().getPaymentMethod(), dataModel.getTradeCurrency().getCode())) {
+            Coin checkAmount = dataModel.getMinAmount().get() == null ? dataModel.getAmount().get() : dataModel.getMinAmount().get();
+            if (checkAmount != null && !checkAmount.isGreaterThan(OfferRestrictions.TOLERATED_SMALL_TRADE_AMOUNT)) {
+                GUIUtil.showMakeOfferToUnsignedAccountWarning();
+            }
+        }
+    }
+
     private InputValidator.ValidationResult isBtcInputValid(String input) {
         return btcValidator.validate(input);
     }

desktop/src/main/java/bisq/desktop/main/offer/takeoffer/TakeOfferView.java

@@ -161,7 +161,7 @@ public class TakeOfferView extends ActivatableViewAndModel<AnchorPane, TakeOffer
             isOfferAvailableSubscription;
 
     private int gridRow = 0;
-    private boolean offerDetailsWindowDisplayed, clearXchangeWarningDisplayed, fasterPaymentsWarningDisplayed;
+    private boolean offerDetailsWindowDisplayed, clearXchangeWarningDisplayed, fasterPaymentsWarningDisplayed, takeOfferFromUnsignedAccountWarningDisplayed;
     private SimpleBooleanProperty errorPopupDisplayed;
     private ChangeListener<Boolean> amountFocusedListener, getShowWalletFundedNotificationListener;
 
@@ -304,6 +304,7 @@ protected void activate() {
 
         balanceTextField.setTargetAmount(model.dataModel.getTotalToPayAsCoin().get());
 
+        maybeShowTakeOfferFromUnsignedAccountWarning(model.dataModel.getOffer());
         maybeShowClearXchangeWarning(lastPaymentAccount);
         maybeShowFasterPaymentsWarning(lastPaymentAccount);
 
@@ -1243,6 +1244,14 @@ else if (model.dataModel.getUsableBsqBalance().isZero())
                     .show();
     }
 
+    private void maybeShowTakeOfferFromUnsignedAccountWarning(Offer offer) {
+        // warn if you are selling BTC to unsigned account (#5343)
+        if (model.isSellingToAnUnsignedAccount(offer) && !takeOfferFromUnsignedAccountWarningDisplayed) {
+            takeOfferFromUnsignedAccountWarningDisplayed = true;
+            UserThread.runAfter(GUIUtil::showTakeOfferFromUnsignedAccountWarning, 500, TimeUnit.MILLISECONDS);
+        }
+    }
+
     private void maybeShowClearXchangeWarning(PaymentAccount paymentAccount) {
         if (paymentAccount.getPaymentMethod().getId().equals(PaymentMethod.CLEAR_X_CHANGE_ID) &&
                 !clearXchangeWarningDisplayed) {

desktop/src/main/java/bisq/desktop/main/offer/takeoffer/TakeOfferViewModel.java

@@ -644,6 +644,17 @@ boolean isSeller() {
         return dataModel.getDirection() == OfferPayload.Direction.BUY;
     }
 
+    public boolean isSellingToAnUnsignedAccount(Offer offer) {
+        if (offer.getDirection() == OfferPayload.Direction.BUY &&
+                PaymentMethod.hasChargebackRisk(offer.getPaymentMethod(), offer.getCurrencyCode())) {
+            // considered risky when either UNSIGNED, PEER_INITIAL, or BANNED (see #5343)
+            return accountAgeWitnessService.getSignState(offer) == AccountAgeWitnessService.SignState.UNSIGNED ||
+                    accountAgeWitnessService.getSignState(offer) == AccountAgeWitnessService.SignState.PEER_INITIAL ||
+                    accountAgeWitnessService.getSignState(offer) == AccountAgeWitnessService.SignState.BANNED;
+        }
+        return false;
+    }
+
     private InputValidator.ValidationResult isBtcInputValid(String input) {
         return btcValidator.validate(input);
     }

desktop/src/main/java/bisq/desktop/util/GUIUtil.java

@@ -698,6 +698,24 @@ public static <T> T getParentOfType(Node node, Class<T> t) {
         return t.cast(parent);
     }
 
+    public static void showTakeOfferFromUnsignedAccountWarning() {
+        String key = "confirmTakeOfferFromUnsignedAccount";
+        new Popup().warning(Res.get("payment.takeOfferFromUnsignedAccount.warning"))
+                .width(900)
+                .closeButtonText(Res.get("shared.iConfirm"))
+                .dontShowAgainId(key)
+                .show();
+    }
+
+    public static void showMakeOfferToUnsignedAccountWarning() {
+        String key = "confirmMakeOfferToUnsignedAccount";
+        new Popup().warning(Res.get("payment.makeOfferToUnsignedAccount.warning"))
+                .width(900)
+                .closeButtonText(Res.get("shared.iConfirm"))
+                .dontShowAgainId(key)
+                .show();
+    }
+
     public static void showClearXchangeWarning() {
         String key = "confirmClearXchangeRequirements";
         final String currencyName = Config.baseCurrencyNetwork().getCurrencyName();