Thank you for your valuable feedback. I think that I have received SEPA from at least 20 people and no chargeback so far.

Thanks, if you know how long and why, please tell me. By withdrawing you mean making money unavailable for charge-back? I thought it would only cause negative balance/debt or bank request I deposit the funds.

What this winning would likely mean to me? I will get trading partner sec. deposit, part of it, and they will chargeback their full payment (reversible bank payment method)?

I think that you are telling opposite thing than Haveno is telling in a payment receipt confirmation window. It says that when account names are not matching, I should not confirm receipt but open a dispute.

Returning money seems dangerous. What if they also charge-back original amount. For example today again. Payment which I can only identify by amount. It comes from a different account than they have in Retoswap and different country, different account name (owner) - in Retoswap they inserted non name related text as their name. So how to safely deal with such a trade without exposing me to problems during possible arbitration? Or it is 100% safe for me to accept such suspicious/non-matching trade?

Thx. It is currently very inconvenient, since when I spend BTC from my Electrum wallet address. I have to find out output transaction destination BTC address and set it as a new cryptocurrency account in Haveno. I mean when I spend part of my address funds, it sends one output to other party of a trade and second output into a newly generated wallet of mine.

The point is that the value would need to be default for everyone so makers needs to lower their fees. As has been said the fee/spread would have to be set the way so the users cover their cost (do not loose anything by trading) and also has some benefit out of the trade (like up to lets say 2% buffer).

Thanks, though note this:

Exolix: “Users must undergo AML/KYC procedures” source: https://kycnot.me/service/exolix

Trocador: “Trocador’s partners may require KYC checks and monitor transactions” source: https://kycnot.me/service/trocador

Official repository https://github.com/retoaccess1/haveno-reto description also mentions that new site address.

Monero does not appreciate in its price as much as mainstream cryptocurrencies so I am not holding much Monero. Rather using it occasionally to buy the hosting/server services for privacy. I can buy/sell XMR privately for fiat or BTC/ETH/LTC using RetoSwap https://github.com/retoaccess1/haveno-reto

Haveno itself is a testing version which does not allow real trading.

You need to find other software based on Haveno, which allows real trading (uses Monero mainnet servers while Haveno itself a testnet?).

Possibly most popular is Reto (RetoSwap). Its official Github repository is https://github.com/retoaccess1/haveno-reto

I am yet to find any list of Haveno mainnet software. Btw. here is some guide which explains steps for trading inside Haveno based trading software: https://internetlifeforum.com/showthread.php?28833-Exchanging-Monero-and-fiat-privately-without-KYC-using-open-source-software-Haveno

Haveno Reto mainnet official repository https://github.com/retoaccess1/haveno-reto

Haveno Pay by mail docs: https://docs.haveno.exchange/the-project/payment_methods/Pay_By_Mail/

Thanks ♥️, RBF means likely Replace By Fee which is the way to send TX again with a different fee, causing initial TX replacement. Unfortunately it looks like my Electrum BTC wallet does not have this feature (maybe because i have used “coin control” to select outputs for the payment?).

I assume that when you are linking to a Bisq page while we are talking Haveno, the Haveno is using Bisq penalties? https://docs.haveno.exchange/ does not seem to list any table of penalties.

I appreciate your replies ♥️ , it is very helpful. Thank you.

you will receive either your security deposit, or that PLUS my security deposit, or maybe even the whole trade amount

So the security deposits are in place to try to make it unprofitable to scam people in this situations.

So If I do not set a sec. deposit in my offer, then i still get mine and MAYBE your deposit, which makes it unprofitable already. Isn’t it unprofitable just because the scam attempting user has to pay the transaction fee + risking his standard (non security) deposit? (we are still talking about irreversible exchange BTC/XMR)

By managing the risk, you mean charging 25% extra (making the trade 25% more expensive for a taker), nothing else, no other way to manage the risk (i am not sure if i understand the meaning of “managing risk” as a user who never used the Haveno)? Thank you

Why actually Haveno supports trading of a reversible payment methods if anyone can chargeback after the trade is complete and there is no way to know if user scammed this or other way before?

Please consider clarifying what do you mean by changing identity for the business.

Full-Chain Membership Proofs (FCMP), as a concept, is a replacement for rings within the Monero protocol. … This means every input goes from an immediate anonymity set of 16 to 100,000,000.

https://ccs.getmonero.org/proposals/fcmp++-development.html shows “Completed 0 of 7 milestones” at my end.

Quoting from https://docs.featherwallet.org/guides/nodes

However, a malicious remote node can:

• execute an attack that may reveal the true input of a transaction. This attack does not reveal how much is spent or to whom. This attack has a low chance of succeeding and Feather will warn you if it detects this attack.
• make your outgoing transactions stick out by manipulating the transaction fee that you pay.
• associate your outgoing transactions with your IP address (but only if all traffic is routed through clearnet, see Tor support for more information. By default, transactions are broadcast over Tor.)

If you have an insight/feedback on this, please comment.

Ok, so spending received XMR within 15 blocks (block time seems to be 2 minutes, so half a hour) is too early and spending every 6 months incoming payments in one single tx to my secondary wallet i suppose is too long time… hmm, that is all quite complicated, I can’t asses/compare these times (30 minutes vs 1 month vs 6 months) significance of the impact on anonymity. But thank you.