# Changing the Account paradigm/architecture **URL:** \ **Category:** Development\ **Created:** [June 7, 2019, 4:17pm UTC](https://bisq.community/t/changing-the-account-paradigm-architecture/7826 "2019-06-07T16:17:12Z")\ **Posts on this page:** 3\ **Page:** 1
**Author:** ![huey](https://bisq.community/letter_avatar/huey/32/6_22734026db12803ebb3e059622ac3534.png) [@huey](https://bisq.community/u/huey)\ **Post date:** [June 7, 2019, 4:17pm UTC](https://bisq.community/t/changing-the-account-paradigm-architecture/7826/1 "2019-06-07T16:17:12Z")
At present, in order to trade on Bisq we must create an account for the payment method we intend to use and fill in the identifiers required. For example, if I want to create an account for National Bank Transfer, I’ll need to provide the following identifiers: - Region - Country - Account owner full name - Bank name - Bank ID (BIC/SWIFT) - Branch no - Account no (IBAN) \*It changes slightly depending on the Region and Country but those are the most important ones. The thing is, if I’m a BTC seller with that account and I create a offer to Sell BTC, only those with a National Bank Transfer account and in the same country can take that offer. Which is very limiting. In Europe, the identifiers mentioned above should allow me to receive fiat from the following payment methods: - Cash Deposit - National Bank Transfer - Sepa - Transfer with the same bank - Transfer with specific bank It’d be great if with each offer we could advertise all payment methods we can accept. I believe this improvement could greatly reduce friction in the market. For example, Cash Deposit is a very safe payment method for those selling BTC and anybody with a bank account can receive cash deposits (nationally) and more important, even those without bank accounts can make cash deposits. Each payment above has a different chargeback risk, proof requirement, trade limit and trade duration so they’d need to be kept in segregated accounts with segregated Account Age(s). ---
**Author:** ![Homard](https://bisq.community/letter_avatar/homard/32/6_22734026db12803ebb3e059622ac3534.png) [@Homard](https://bisq.community/u/Homard)\ **Post date:** [June 9, 2019, 8:27am UTC](https://bisq.community/t/changing-the-account-paradigm-architecture/7826/2 "2019-06-09T08:27:05Z")
@huey , It’s not clear for me if what you propose could be easily implemented in the appli. And if it would not overload the UI for the users. I suggest however that you make a proposal at [https://github.com/bisq-network/proposals/issues](https://github.com/bisq-network/proposals/issues) so the devs can see it and comment. (Devs are not coming in the forum so often). ---
**Author:** ![huey](https://bisq.community/letter_avatar/huey/32/6_22734026db12803ebb3e059622ac3534.png) [@huey](https://bisq.community/u/huey)\ **Post date:** [June 15, 2019, 11:05am UTC](https://bisq.community/t/changing-the-account-paradigm-architecture/7826/3 "2019-06-15T11:05:39Z")
This would be implemented as new Payment Method, albeit a more complex one and only for BTC sellers. And I could see it replacing all the following payment methods: - Cash Deposit - National Bank Transfer - Sepa - Sepa Instant - Transfer with the same bank - Transfer with specific bank Or more appropriately. they’d be options inside this new Payment Method. We’d fill in the identifiers and depending on the information provided certain payment methods would be unlocked. Each identifier would be tagged with the payment methods they’re required in so that only the identifiers for the payment method selected by the buyer would be shared with them. Also, the trade amount should be taken into account to lock certain payment methods after their trade limit had been crossed. For example, for any trades over 0.125 BTC, SEPA wouldn’t be available. ![makeofferprototype1](https://bisq.community/uploads/default/original/2X/8/8f4037e5448f63aeb4df352347cad1db7e647b4b.png) From the buyer perspective, on the “BUY BTC” screen under the “Payment method” column they’d see “Several” instead of “Revolut” or “Sepa”. Only once the hovered over the word “Several” or clicked on the little “i” icon next to it they’d see the payment methods available. Once they’d click “TAKE OFFER TO BUY BTC” they’d be able to select from their payment methods, same as now. @Homard I decided not to to create a proposal because according to the etiquette the creator of the proposal is responsible to carry it out and I don’t have the skills to do so. PS: This is a request that has been proposed before and I’d hope it could be discussed here by developers and non-developers. **I think allowing the same SEPA/NATIONAL BANK TRANSFER offers to also accept CASH DEPOSIT would greatly improve Bisq’s proposition. Most banks don’t require identification to deposit cash and a great deal of people looking to buy bitcoin are looking to do it in the most convenient and anonymous way possible, and CASH DEPOSIT isn’t the perfect solution but it’s close. And as I’ve said above it would allow even those without bank accounts to buy bitcoin.** > > > Can i suggest that offers to be able to be taken/fulfilled via multiple payment …methods? > An offer with the option to be taken by National Bank Account (or multiple of these, yes there is a different account type for this if needed), OKPay or Money Order for example. > > Currently you need to lock up BTC each time you create a separate offer to support each payment method to accept. I can see this frustrating for sellers with the low volume on bisq currently. > > With multiple payment methods attached to an offer, it gives better chance for the offer to be accepted by a peer and so better for bisq network overall. > > Also, allowing to add and remove payment methods on the fly to an offer without closing the offer first would be a lot of flexibility to the users, but i assume this is not possible due to the nature of bisq? > What about if the payment methods are all defined/attached to the offer at offer creation time, and then the user can enable or disable the payment methods he wishes? > > > When making an offer, a seller should be able to toggle what methods he is willi…ng to accept without making separate offers for each payment type. > > Accepting both Cash Deposit & National Bank Deposit or SEPA at the same would be welcome option i would imagine. > [@1 payment method per offer?](https://bisq.community/t/1-payment-method-per-offer/3984): > > To sell crypto and accept 3 different fiat payment methods, I have to post 3 separate offers? > [@Feature Request: Multipe payment methods for an offer](https://bisq.community/t/feature-request-multipe-payment-methods-for-an-offer/5399): > > There are two payment methods that I use. When I make an offer, I want to make it available to users of both of those methods, but I have to select just one method. It would be nice if I could make an offer that accepts payment in multiple payment methods. Is this feasible request?