[Feature Request] - Boleto as payment method for BRL transactions

[ffrediani]

I am putting this Feature Request in a new issue rather then re-open a previous one #199 well written by @smcama as there may be newer information to share and evaluate in order to get this implemented.

Resume: Boleto Bancário is very popular payment system in Brazil used mainly for personal and business bills (ex: utility bills), similar to an invoice. Sometimes people want to pay their boletos with crypto but there aren't many platforms that accept crypto as payment method so why not merge both needs - people who want to pay their bills in crypto and people who want to buy crypto in a more private way using P2P ?

The process would be as simple as this:

• The person who wants to pay their bill with crypto creates a sell offer with the exact bill amount.
• Chooses the payment method as boleto and add its details.
• The person willing to buy that amount of crypto takes the offer and will receive the details (the barcode number) to pay the seller's boleto.
• Once the seller is able to confirm the bill was paid release the crypto the buyer.

Boleto has a few details as the creditor's, the debitor's, a barcode which translates to a long number and other significant details for the transaction. The seller doesn't necessarily need to share the whole boleto information or image for the payment by the buyer but only the barcode number or if possible in order to facilitate an image with the barcode in order to avoid mistakes when typing the long number as it can be read with any Bank app scan feature. The Bisq app should ideally have an option to either attach an image with the boleto barcode or generate one ad-hoc based on the boleto's number.

This practice already happens in smaller amounts and in more informal ways on smaller platforms and can be improved if supported by Bisq given its extra safety features that brings more grantees for a complete transaction.

[ffrediani]

Adding extra info for developers and community to comment on. @pazza83 if you could review it as you worked on implementing PIX would be valuable. @felipeucc also as you added the request for PIX and followed it through.

Name of payment method: Boleto

Required fields

Barcode number Barcode image (optional) Other information such as creditor's name, Bank, etc are useful for the buyer to confirm the barcode number matches the right boleto.

Maximum trade duration: 3 days

Signing required: No

Regions accepted: Brazil

Currencies accepted: BRL

Bisq Limits: 0.1 BTC

Trade window: 3 days

Any relevant information for mediators / arbitrators: Verification can be done via a receipt supplied by the buyer. Sellers can check if the creditor has received the funds.

Any relevant information for devs: A feature to convert the barcode number to a barcode image allowing buyers to scan it using their bank app would be very desirable in order to avoid mistakes when typing it. Also a field for sellers to attach an image with the barcode would be useful too.

Any relevant information for users: No

Screenshot of expected GUI: NA

[ffrediani]

Following on find below a draft Boleto wiki page if it gets implemented

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Boleto

Boleto is a payment method added in Bisq vX.X.X

Boleto is a payment method used by many Brazilians to pay for bills in general (e.g utility bills) and is available in Brazil. Banks issue boletos at any customer request which contains the customer's destination bank account and the information about the person who should pay that boleto. For paying a boleto the person should type a long barcode number or scan a printed barcode which comes printed in it. In general the payment can be confirmed between 1 to 3 days with funds deposited into the creditor's bank account.

Some people may want to pay their boletos using crypto but there aren't many platforms that allow this transaction and make the conversion, so using it as a payment method in Bisq allows at the same time this to happen and people to buy crypto in a more private way by paying someone's bills.

What countries are available for Boleto?

Boleto is only available in Brazil.

What currencies are available for Boleto?

Boleto only supports BRL.

What is the maximum trading duration for Boleto?

The maximum trade time is 3 days. Generally Boleto confirmations will happen within one day, but it may taken longer depending on the creditor's bank.

What is the maximum BTC limit for an Boleto trade?

0.1 BTC

Is Boleto a payment method that can be signed?

No, Boletos do not require signing.

How do I create a Boleto?

Boletos can be issued by most Brazilian banks and payment institutions.

How do I add Boleto as a payment method in Bisq?

It is easy to add your Boleto account to Bisq.

Go to the top menu in Bisq and select Account. Then select xxxxxx. Click add new account Select Boleto Complete the details. Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Bisq (this will be visible only to you, for example: Boleto - BRL - Fornecedor XPTO) Click save new account For each boleto you may need to create a different account as boletos are unique.

Make sure all the details are correct when you add.

Please make sure to include the boleto's barcode correctly as it is critical for the funds to reach its correct destination. When trading on Bisq, BTC Buyers should use their Bank Accounts to pay the boletos so that and it will generate a receipt which can be provided to BTC Sellers to identify the payment was completed as expected.

How do I buy BTC with Boleto?

You can buy BTC with Boleto on Bisq in the following wayː

Take an offer to pay someone else's Boleto. When the offer is confirmed Bisq will provide you with the Sellers Boleto details for you to complete the payment. You should send payment immediately and confirm you have done so in Bisq by clicking 'payment started'.

If you have the option to include a payment reference please attach the receipt or any relevant details.

Once the BTC Seller confirms your payment reached its destination they will confirm in Bisq and your security deposit and your purchased trade amount will be available in your wallet.

How do I sell BTC with Boleto?

You can sell BTC with Boleto on Bisq in following wayː

Make an offer for someone to pay your Boleto. When the offer is confirmed Bisq will provide the Boleto details for the buyer to complete the payment. They should complete the payment at their first opportunity and confirm they have done so in Bisq by clicking 'payment started'.

Once you confirm the payment from the BTC Buyer you should confirm payment has been received in Bisq. Once you have done this the BTC Buyer will receive their funds and you will receive your security deposit back.

How does dispute resolution happens when trading with Boleto?

If a dispute occurs the mediator may ask the buyer to send them information showing that they made the payment of the correct amount to the BTC Seller within the correct time frame generally by providing a copy of the receipt of the payment.

The mediator may ask the seller to check with their bank or creditor's if the payment was received, if necessary by suplying the receipt.

For more information see dispute resolution.