fix scheduling offers by computing spendable amount from txs

Co-authored-by: XMRZombie <monerozombie@proton.me>

apitest/src/test/java/haveno/apitest/method/MethodTest.java

@@ -43,7 +43,7 @@ import java.util.stream.Collectors;
 import static haveno.apitest.config.ApiTestConfig.BTC;
 import static haveno.apitest.config.ApiTestRateMeterInterceptorConfig.getTestRateMeterInterceptorConfig;
 import static haveno.cli.table.builder.TableType.BTC_BALANCE_TBL;
-import static haveno.core.xmr.wallet.Restrictions.getDefaultBuyerSecurityDepositAsPercent;
+import static haveno.core.xmr.wallet.Restrictions.getDefaultSecurityDepositAsPercent;
 import static java.lang.String.format;
 import static java.nio.charset.StandardCharsets.UTF_8;
 import static java.util.Arrays.stream;
@@ -157,8 +157,8 @@ public class MethodTest extends ApiTestCase {
         return haveno.core.payment.PaymentAccount.fromProto(paymentAccount, CORE_PROTO_RESOLVER);
     }
 
-    public static final Supplier<Double> defaultBuyerSecurityDepositPct = () -> {
-        var defaultPct = BigDecimal.valueOf(getDefaultBuyerSecurityDepositAsPercent());
+    public static final Supplier<Double> defaultSecurityDepositPct = () -> {
+        var defaultPct = BigDecimal.valueOf(getDefaultSecurityDepositAsPercent());
         if (defaultPct.precision() != 2)
             throw new IllegalStateException(format(
                     "Unexpected decimal precision, expected 2 but actual is %d%n."

apitest/src/test/java/haveno/apitest/method/offer/CancelOfferTest.java

@@ -47,7 +47,7 @@ public class CancelOfferTest extends AbstractOfferTest {
                 10000000L,
                 10000000L,
                 0.00,
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 paymentAccountId,
                 NO_TRIGGER_PRICE);
     };

apitest/src/test/java/haveno/apitest/method/offer/CreateOfferUsingFixedPriceTest.java

@@ -49,7 +49,7 @@ public class CreateOfferUsingFixedPriceTest extends AbstractOfferTest {
                 10_000_000L,
                 10_000_000L,
                 "36000",
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 audAccount.getId());
         log.debug("Offer #1:\n{}", toOfferTable.apply(newOffer));
         assertTrue(newOffer.getIsMyOffer());
@@ -97,7 +97,7 @@ public class CreateOfferUsingFixedPriceTest extends AbstractOfferTest {
                 10_000_000L,
                 10_000_000L,
                 "30000.1234",
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 usdAccount.getId());
         log.debug("Offer #2:\n{}", toOfferTable.apply(newOffer));
         assertTrue(newOffer.getIsMyOffer());
@@ -145,7 +145,7 @@ public class CreateOfferUsingFixedPriceTest extends AbstractOfferTest {
                 10_000_000L,
                 5_000_000L,
                 "29500.1234",
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 eurAccount.getId());
         log.debug("Offer #3:\n{}", toOfferTable.apply(newOffer));
         assertTrue(newOffer.getIsMyOffer());

apitest/src/test/java/haveno/apitest/method/offer/CreateOfferUsingMarketPriceMarginTest.java

@@ -66,7 +66,7 @@ public class CreateOfferUsingMarketPriceMarginTest extends AbstractOfferTest {
                 10_000_000L,
                 10_000_000L,
                 priceMarginPctInput,
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 usdAccount.getId(),
                 NO_TRIGGER_PRICE);
         log.debug("Offer #1:\n{}", toOfferTable.apply(newOffer));
@@ -114,7 +114,7 @@ public class CreateOfferUsingMarketPriceMarginTest extends AbstractOfferTest {
                 10_000_000L,
                 10_000_000L,
                 priceMarginPctInput,
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 nzdAccount.getId(),
                 NO_TRIGGER_PRICE);
         log.debug("Offer #2:\n{}", toOfferTable.apply(newOffer));
@@ -162,7 +162,7 @@ public class CreateOfferUsingMarketPriceMarginTest extends AbstractOfferTest {
                 10_000_000L,
                 5_000_000L,
                 priceMarginPctInput,
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 gbpAccount.getId(),
                 NO_TRIGGER_PRICE);
         log.debug("Offer #3:\n{}", toOfferTable.apply(newOffer));
@@ -210,7 +210,7 @@ public class CreateOfferUsingMarketPriceMarginTest extends AbstractOfferTest {
                 10_000_000L,
                 5_000_000L,
                 priceMarginPctInput,
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 brlAccount.getId(),
                 NO_TRIGGER_PRICE);
         log.debug("Offer #4:\n{}", toOfferTable.apply(newOffer));
@@ -259,7 +259,7 @@ public class CreateOfferUsingMarketPriceMarginTest extends AbstractOfferTest {
                 10_000_000L,
                 5_000_000L,
                 0.0,
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 usdAccount.getId(),
                 triggerPrice);
         assertTrue(newOffer.getIsMyOffer());

apitest/src/test/java/haveno/apitest/method/offer/CreateXMROffersTest.java

@@ -62,7 +62,7 @@ public class CreateXMROffersTest extends AbstractOfferTest {
                 100_000_000L,
                 75_000_000L,
                 "0.005",   // FIXED PRICE IN BTC FOR 1 XMR
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 alicesXmrAcct.getId());
         log.debug("Sell XMR (Buy BTC) offer:\n{}", toOfferTable.apply(newOffer));
         assertTrue(newOffer.getIsMyOffer());
@@ -108,7 +108,7 @@ public class CreateXMROffersTest extends AbstractOfferTest {
                 100_000_000L,
                 50_000_000L,
                 "0.005",   // FIXED PRICE IN BTC (satoshis) FOR 1 XMR
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 alicesXmrAcct.getId());
         log.debug("Buy XMR (Sell BTC) offer:\n{}", toOfferTable.apply(newOffer));
         assertTrue(newOffer.getIsMyOffer());
@@ -156,7 +156,7 @@ public class CreateXMROffersTest extends AbstractOfferTest {
                 100_000_000L,
                 75_000_000L,
                 priceMarginPctInput,
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 alicesXmrAcct.getId(),
                 triggerPrice);
         log.debug("Pending Sell XMR (Buy BTC) offer:\n{}", toOfferTable.apply(newOffer));
@@ -211,7 +211,7 @@ public class CreateXMROffersTest extends AbstractOfferTest {
                 100_000_000L,
                 50_000_000L,
                 priceMarginPctInput,
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 alicesXmrAcct.getId(),
                 NO_TRIGGER_PRICE);
         log.debug("Buy XMR (Sell BTC) offer:\n{}", toOfferTable.apply(newOffer));

apitest/src/test/java/haveno/apitest/method/offer/ValidateCreateOfferTest.java

@@ -47,7 +47,7 @@ public class ValidateCreateOfferTest extends AbstractOfferTest {
                         100000000000L, // exceeds amount limit
                         100000000000L,
                         "10000.0000",
-                        defaultBuyerSecurityDepositPct.get(),
+                        defaultSecurityDepositPct.get(),
                         usdAccount.getId()));
         assertEquals("UNKNOWN: An error occurred at task: ValidateOffer", exception.getMessage());
     }
@@ -63,7 +63,7 @@ public class ValidateCreateOfferTest extends AbstractOfferTest {
                         10000000L,
                         10000000L,
                         "40000.0000",
-                        defaultBuyerSecurityDepositPct.get(),
+                        defaultSecurityDepositPct.get(),
                         chfAccount.getId()));
         String expectedError = format("UNKNOWN: cannot create EUR offer with payment account %s", chfAccount.getId());
         assertEquals(expectedError, exception.getMessage());
@@ -80,7 +80,7 @@ public class ValidateCreateOfferTest extends AbstractOfferTest {
                         10000000L,
                         10000000L,
                         "63000.0000",
-                        defaultBuyerSecurityDepositPct.get(),
+                        defaultSecurityDepositPct.get(),
                         audAccount.getId()));
         String expectedError = format("UNKNOWN: cannot create CAD offer with payment account %s", audAccount.getId());
         assertEquals(expectedError, exception.getMessage());

apitest/src/test/java/haveno/apitest/method/trade/TakeBuyBTCOfferTest.java

@@ -52,7 +52,7 @@ public class TakeBuyBTCOfferTest extends AbstractTradeTest {
                     12_500_000L,
                     12_500_000L, // min-amount = amount
                     0.00,
-                    defaultBuyerSecurityDepositPct.get(),
+                    defaultSecurityDepositPct.get(),
                     alicesUsdAccount.getId(),
                     NO_TRIGGER_PRICE);
             var offerId = alicesOffer.getId();

apitest/src/test/java/haveno/apitest/method/trade/TakeBuyBTCOfferWithNationalBankAcctTest.java

@@ -96,7 +96,7 @@ public class TakeBuyBTCOfferWithNationalBankAcctTest extends AbstractTradeTest {
                     1_000_000L,
                     1_000_000L, // min-amount = amount
                     0.00,
-                    defaultBuyerSecurityDepositPct.get(),
+                    defaultSecurityDepositPct.get(),
                     alicesPaymentAccount.getId(),
                     NO_TRIGGER_PRICE);
             var offerId = alicesOffer.getId();

apitest/src/test/java/haveno/apitest/method/trade/TakeBuyXMROfferTest.java

@@ -65,7 +65,7 @@ public class TakeBuyXMROfferTest extends AbstractTradeTest {
                     15_000_000L,
                     7_500_000L,
                     "0.00455500",   // FIXED PRICE IN BTC (satoshis) FOR 1 XMR
-                    defaultBuyerSecurityDepositPct.get(),
+                    defaultSecurityDepositPct.get(),
                     alicesXmrAcct.getId());
             log.debug("Alice's BUY XMR (SELL BTC) Offer:\n{}", new TableBuilder(OFFER_TBL, alicesOffer).build());
             genBtcBlocksThenWait(1, 5000);

apitest/src/test/java/haveno/apitest/method/trade/TakeSellBTCOfferTest.java

@@ -58,7 +58,7 @@ public class TakeSellBTCOfferTest extends AbstractTradeTest {
                     12_500_000L,
                     12_500_000L, // min-amount = amount
                     0.00,
-                    defaultBuyerSecurityDepositPct.get(),
+                    defaultSecurityDepositPct.get(),
                     alicesUsdAccount.getId(),
                     NO_TRIGGER_PRICE);
             var offerId = alicesOffer.getId();

apitest/src/test/java/haveno/apitest/method/trade/TakeSellXMROfferTest.java

@@ -71,7 +71,7 @@ public class TakeSellXMROfferTest extends AbstractTradeTest {
                     20_000_000L,
                     10_500_000L,
                     priceMarginPctInput,
-                    defaultBuyerSecurityDepositPct.get(),
+                    defaultSecurityDepositPct.get(),
                     alicesXmrAcct.getId(),
                     NO_TRIGGER_PRICE);
             log.debug("Alice's SELL XMR (BUY BTC) Offer:\n{}", new TableBuilder(OFFER_TBL, alicesOffer).build());

apitest/src/test/java/haveno/apitest/scenario/LongRunningOfferDeactivationTest.java

@@ -57,7 +57,7 @@ public class LongRunningOfferDeactivationTest extends AbstractOfferTest {
                 1_000_000,
                 1_000_000,
                 0.00,
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 paymentAcct.getId(),
                 triggerPrice);
         log.info("SELL offer {} created with margin based price {}.",
@@ -103,7 +103,7 @@ public class LongRunningOfferDeactivationTest extends AbstractOfferTest {
                 1_000_000,
                 1_000_000,
                 0.00,
-                defaultBuyerSecurityDepositPct.get(),
+                defaultSecurityDepositPct.get(),
                 paymentAcct.getId(),
                 triggerPrice);
         log.info("BUY offer {} created with margin based price {}.",

apitest/src/test/java/haveno/apitest/scenario/bot/RandomOffer.java

@@ -28,7 +28,7 @@ import java.text.DecimalFormat;
 import java.util.Objects;
 import java.util.function.Supplier;
 
-import static haveno.apitest.method.offer.AbstractOfferTest.defaultBuyerSecurityDepositPct;
+import static haveno.apitest.method.offer.AbstractOfferTest.defaultSecurityDepositPct;
 import static haveno.cli.CurrencyFormat.formatInternalFiatPrice;
 import static haveno.cli.CurrencyFormat.formatSatoshis;
 import static haveno.common.util.MathUtils.scaleDownByPowerOf10;
@@ -119,7 +119,7 @@ public class RandomOffer {
                         amount,
                         minAmount,
                         priceMargin,
-                        defaultBuyerSecurityDepositPct.get(),
+                        defaultSecurityDepositPct.get(),
                         "0" /*no trigger price*/);
             } else {
                 this.offer = botClient.createOfferAtFixedPrice(paymentAccount,
@@ -128,7 +128,7 @@ public class RandomOffer {
                         amount,
                         minAmount,
                         fixedOfferPrice,
-                        defaultBuyerSecurityDepositPct.get());
+                        defaultSecurityDepositPct.get());
             }
             this.id = offer.getId();
             return this;

cli/src/main/java/haveno/cli/request/OffersServiceRequest.java

@@ -81,7 +81,7 @@ public class OffersServiceRequest {
                 .setUseMarketBasedPrice(useMarketBasedPrice)
                 .setPrice(fixedPrice)
                 .setMarketPriceMarginPct(marketPriceMarginPct)
-                .setBuyerSecurityDepositPct(securityDepositPct)
+                .setSecurityDepositPct(securityDepositPct)
                 .setPaymentAccountId(paymentAcctId)
                 .setTriggerPrice(triggerPrice)
                 .build();

common/src/main/java/haveno/common/app/Capabilities.java

@@ -59,8 +59,10 @@ public class Capabilities {
     }
 
     public Capabilities(Collection<Capability> capabilities) {
-        synchronized (this.capabilities) {
-            this.capabilities.addAll(capabilities);
+        synchronized (capabilities) {
+            synchronized (this.capabilities) {
+                this.capabilities.addAll(capabilities);
+            }
         }
     }
 
@@ -73,9 +75,11 @@ public class Capabilities {
     }
 
     public void set(Collection<Capability> capabilities) {
-        synchronized (this.capabilities) {
-            this.capabilities.clear();
-            this.capabilities.addAll(capabilities);
+        synchronized (capabilities) {
+            synchronized (this.capabilities) {
+                this.capabilities.clear();
+                this.capabilities.addAll(capabilities);
+            }
         }
     }
 
@@ -87,15 +91,19 @@ public class Capabilities {
 
     public void addAll(Capabilities capabilities) {
         if (capabilities != null) {
-            synchronized (this.capabilities) {
-                this.capabilities.addAll(capabilities.capabilities);
+            synchronized (capabilities.capabilities) {
+                synchronized (this.capabilities) {
+                    this.capabilities.addAll(capabilities.capabilities);
+                }
             }
         }
     }
 
     public boolean containsAll(final Set<Capability> requiredItems) {
-        synchronized (this.capabilities) {
-            return capabilities.containsAll(requiredItems);
+        synchronized(requiredItems) {
+            synchronized (this.capabilities) {
+                return capabilities.containsAll(requiredItems);
+            }
         }
     }
 
@@ -129,7 +137,9 @@ public class Capabilities {
      * @return int list of Capability ordinals
      */
     public static List<Integer> toIntList(Capabilities capabilities) {
-        return capabilities.capabilities.stream().map(Enum::ordinal).sorted().collect(Collectors.toList());
+        synchronized (capabilities.capabilities) {
+            return capabilities.capabilities.stream().map(Enum::ordinal).sorted().collect(Collectors.toList());
+        }
     }
 
     /**
@@ -139,11 +149,13 @@ public class Capabilities {
      * @return a {@link Capabilities} object
      */
     public static Capabilities fromIntList(List<Integer> capabilities) {
-        return new Capabilities(capabilities.stream()
-                .filter(integer -> integer < Capability.values().length)
-                .filter(integer -> integer >= 0)
-                .map(integer -> Capability.values()[integer])
-                .collect(Collectors.toSet()));
+        synchronized (capabilities) {
+            return new Capabilities(capabilities.stream()
+                    .filter(integer -> integer < Capability.values().length)
+                    .filter(integer -> integer >= 0)
+                    .map(integer -> Capability.values()[integer])
+                    .collect(Collectors.toSet()));
+        }
     }
 
     /**
@@ -181,7 +193,9 @@ public class Capabilities {
     }
 
     public static boolean hasMandatoryCapability(Capabilities capabilities, Capability mandatoryCapability) {
-        return capabilities.capabilities.stream().anyMatch(c -> c == mandatoryCapability);
+        synchronized (capabilities.capabilities) {
+            return capabilities.capabilities.stream().anyMatch(c -> c == mandatoryCapability);
+        }
     }
 
     @Override
@@ -211,8 +225,10 @@ public class Capabilities {
     // Neither would support removal of past capabilities, a use case we never had so far and which might have
     // backward compatibility issues, so we should treat capabilities as an append-only data structure.
     public int findHighestCapability(Capabilities capabilities) {
-        return (int) capabilities.capabilities.stream()
-                .mapToLong(e -> (long) e.ordinal())
-                .sum();
+        synchronized (capabilities.capabilities) {
+            return (int) capabilities.capabilities.stream()
+                    .mapToLong(e -> (long) e.ordinal())
+                    .sum();
+        }
     }
 }

core/src/main/java/haveno/core/account/witness/AccountAgeWitnessService.java

@@ -40,6 +40,7 @@ import haveno.core.offer.OfferDirection;
 import haveno.core.offer.OfferRestrictions;
 import haveno.core.payment.ChargeBackRisk;
 import haveno.core.payment.PaymentAccount;
+import haveno.core.payment.TradeLimits;
 import haveno.core.payment.payload.PaymentAccountPayload;
 import haveno.core.payment.payload.PaymentMethod;
 import haveno.core.support.dispute.Dispute;
@@ -498,10 +499,15 @@ public class AccountAgeWitnessService {
         return getAccountAge(getMyWitness(paymentAccountPayload), new Date());
     }
 
-    public long getMyTradeLimit(PaymentAccount paymentAccount, String currencyCode, OfferDirection direction) {
+    public long getMyTradeLimit(PaymentAccount paymentAccount, String currencyCode, OfferDirection direction, boolean buyerAsTakerWithoutDeposit) {
         if (paymentAccount == null)
             return 0;
 
+        if (buyerAsTakerWithoutDeposit) {
+            TradeLimits tradeLimits = new TradeLimits();
+            return tradeLimits.getMaxTradeLimitBuyerAsTakerWithoutDeposit().longValueExact();
+        }
+
         AccountAgeWitness accountAgeWitness = getMyWitness(paymentAccount.getPaymentAccountPayload());
         BigInteger maxTradeLimit = paymentAccount.getPaymentMethod().getMaxTradeLimit(currencyCode);
         if (hasTradeLimitException(accountAgeWitness)) {

core/src/main/java/haveno/core/api/CoreApi.java

@@ -419,10 +419,12 @@ public class CoreApi {
                                    double marketPriceMargin,
                                    long amountAsLong,
                                    long minAmountAsLong,
-                                   double buyerSecurityDeposit,
+                                   double securityDepositPct,
                                    String triggerPriceAsString,
                                    boolean reserveExactAmount,
                                    String paymentAccountId,
+                                   boolean isPrivateOffer,
+                                   boolean buyerAsTakerWithoutDeposit,
                                    Consumer<Offer> resultHandler,
                                    ErrorMessageHandler errorMessageHandler) {
         coreOffersService.postOffer(currencyCode,
@@ -432,10 +434,12 @@ public class CoreApi {
                 marketPriceMargin,
                 amountAsLong,
                 minAmountAsLong,
-                buyerSecurityDeposit,
+                securityDepositPct,
                 triggerPriceAsString,
                 reserveExactAmount,
                 paymentAccountId,
+                isPrivateOffer,
+                buyerAsTakerWithoutDeposit,
                 resultHandler,
                 errorMessageHandler);
     }
@@ -448,8 +452,10 @@ public class CoreApi {
                            double marketPriceMargin,
                            BigInteger amount,
                            BigInteger minAmount,
-                           double buyerSecurityDeposit,
-                           PaymentAccount paymentAccount) {
+                           double securityDepositPct,
+                           PaymentAccount paymentAccount,
+                           boolean isPrivateOffer,
+                           boolean buyerAsTakerWithoutDeposit) {
         return coreOffersService.editOffer(offerId,
                 currencyCode,
                 direction,
@@ -458,8 +464,10 @@ public class CoreApi {
                 marketPriceMargin,
                 amount,
                 minAmount,
-                buyerSecurityDeposit,
-                paymentAccount);
+                securityDepositPct,
+                paymentAccount,
+                isPrivateOffer,
+                buyerAsTakerWithoutDeposit);
     }
 
     public void cancelOffer(String id, ResultHandler resultHandler, ErrorMessageHandler errorMessageHandler) {
@@ -535,9 +543,11 @@ public class CoreApi {
     public void takeOffer(String offerId,
                           String paymentAccountId,
                           long amountAsLong,
+                          String challenge,
                           Consumer<Trade> resultHandler,
                           ErrorMessageHandler errorMessageHandler) {
         Offer offer = coreOffersService.getOffer(offerId);
+        offer.setChallenge(challenge);
         coreTradesService.takeOffer(offer, paymentAccountId, amountAsLong, resultHandler, errorMessageHandler);
     }
 

core/src/main/java/haveno/core/api/CoreDisputesService.java

@@ -62,11 +62,12 @@ import lombok.extern.slf4j.Slf4j;
 @Slf4j
 public class CoreDisputesService {
 
-    public enum DisputePayout {
+    // TODO: persist in DisputeResult?
+    public enum PayoutSuggestion {
         BUYER_GETS_TRADE_AMOUNT,
-        BUYER_GETS_ALL, // used in desktop
+        BUYER_GETS_ALL,
         SELLER_GETS_TRADE_AMOUNT,
-        SELLER_GETS_ALL, // used in desktop
+        SELLER_GETS_ALL,
         CUSTOM
     }
 
@@ -172,17 +173,17 @@ public class CoreDisputesService {
                 // create dispute result
                 var closeDate = new Date();
                 var winnerDisputeResult = createDisputeResult(winningDispute, winner, reason, summaryNotes, closeDate);
-                DisputePayout payout;
+                PayoutSuggestion payoutSuggestion;
                 if (customWinnerAmount > 0) {
-                    payout = DisputePayout.CUSTOM;
+                    payoutSuggestion = PayoutSuggestion.CUSTOM;
                 } else if (winner == DisputeResult.Winner.BUYER) {
-                    payout = DisputePayout.BUYER_GETS_TRADE_AMOUNT;
+                    payoutSuggestion = PayoutSuggestion.BUYER_GETS_TRADE_AMOUNT;
                 } else if (winner == DisputeResult.Winner.SELLER) {
-                    payout = DisputePayout.SELLER_GETS_TRADE_AMOUNT;
+                    payoutSuggestion = PayoutSuggestion.SELLER_GETS_TRADE_AMOUNT;
                 } else {
                     throw new IllegalStateException("Unexpected DisputeResult.Winner: " + winner);
                 }
-                applyPayoutAmountsToDisputeResult(payout, winningDispute, winnerDisputeResult, customWinnerAmount);
+                applyPayoutAmountsToDisputeResult(payoutSuggestion, winningDispute, winnerDisputeResult, customWinnerAmount);
 
                 // close winning dispute ticket
                 closeDisputeTicket(arbitrationManager, winningDispute, winnerDisputeResult, () -> {
@@ -227,26 +228,26 @@ public class CoreDisputesService {
      * Sets payout amounts given a payout type. If custom is selected, the winner gets a custom amount, and the peer
      * receives the remaining amount minus the mining fee.
      */
-    public void applyPayoutAmountsToDisputeResult(DisputePayout payout, Dispute dispute, DisputeResult disputeResult, long customWinnerAmount) {
+    public void applyPayoutAmountsToDisputeResult(PayoutSuggestion payoutSuggestion, Dispute dispute, DisputeResult disputeResult, long customWinnerAmount) {
         Contract contract = dispute.getContract();
         Trade trade = tradeManager.getTrade(dispute.getTradeId());
         BigInteger buyerSecurityDeposit = trade.getBuyer().getSecurityDeposit();
         BigInteger sellerSecurityDeposit = trade.getSeller().getSecurityDeposit();
         BigInteger tradeAmount = contract.getTradeAmount();
         disputeResult.setSubtractFeeFrom(DisputeResult.SubtractFeeFrom.BUYER_AND_SELLER);
-        if (payout == DisputePayout.BUYER_GETS_TRADE_AMOUNT) {
+        if (payoutSuggestion == PayoutSuggestion.BUYER_GETS_TRADE_AMOUNT) {
             disputeResult.setBuyerPayoutAmountBeforeCost(tradeAmount.add(buyerSecurityDeposit));
             disputeResult.setSellerPayoutAmountBeforeCost(sellerSecurityDeposit);
-        } else if (payout == DisputePayout.BUYER_GETS_ALL) {
+        } else if (payoutSuggestion == PayoutSuggestion.BUYER_GETS_ALL) {
             disputeResult.setBuyerPayoutAmountBeforeCost(tradeAmount.add(buyerSecurityDeposit).add(sellerSecurityDeposit)); // TODO (woodser): apply min payout to incentivize loser? (see post v1.1.7)
             disputeResult.setSellerPayoutAmountBeforeCost(BigInteger.ZERO);
-        } else if (payout == DisputePayout.SELLER_GETS_TRADE_AMOUNT) {
+        } else if (payoutSuggestion == PayoutSuggestion.SELLER_GETS_TRADE_AMOUNT) {
             disputeResult.setBuyerPayoutAmountBeforeCost(buyerSecurityDeposit);
             disputeResult.setSellerPayoutAmountBeforeCost(tradeAmount.add(sellerSecurityDeposit));
-        } else if (payout == DisputePayout.SELLER_GETS_ALL) {
+        } else if (payoutSuggestion == PayoutSuggestion.SELLER_GETS_ALL) {
             disputeResult.setBuyerPayoutAmountBeforeCost(BigInteger.ZERO);
             disputeResult.setSellerPayoutAmountBeforeCost(tradeAmount.add(sellerSecurityDeposit).add(buyerSecurityDeposit));
-        } else if (payout == DisputePayout.CUSTOM) {
+        } else if (payoutSuggestion == PayoutSuggestion.CUSTOM) {
             if (customWinnerAmount > trade.getWallet().getBalance().longValueExact()) throw new RuntimeException("Winner payout is more than the trade wallet's balance");
             long loserAmount = tradeAmount.add(buyerSecurityDeposit).add(sellerSecurityDeposit).subtract(BigInteger.valueOf(customWinnerAmount)).longValueExact();
             if (loserAmount < 0) throw new RuntimeException("Loser payout cannot be negative");

core/src/main/java/haveno/core/api/CoreOffersService.java

@@ -172,10 +172,12 @@ public class CoreOffersService {
                              double marketPriceMargin,
                              long amountAsLong,
                              long minAmountAsLong,
-                             double securityDeposit,
+                             double securityDepositPct,
                              String triggerPriceAsString,
                              boolean reserveExactAmount,
                              String paymentAccountId,
+                             boolean isPrivateOffer,
+                             boolean buyerAsTakerWithoutDeposit,
                              Consumer<Offer> resultHandler,
                              ErrorMessageHandler errorMessageHandler) {
         coreWalletsService.verifyWalletsAreAvailable();
@@ -199,8 +201,10 @@ public class CoreOffersService {
                 price,
                 useMarketBasedPrice,
                 exactMultiply(marketPriceMargin, 0.01),
-                securityDeposit,
-                paymentAccount);
+                securityDepositPct,
+                paymentAccount,
+                isPrivateOffer,
+                buyerAsTakerWithoutDeposit);
 
         verifyPaymentAccountIsValidForNewOffer(offer, paymentAccount);
 
@@ -223,8 +227,10 @@ public class CoreOffersService {
                     double marketPriceMargin,
                     BigInteger amount,
                     BigInteger minAmount,
-                    double buyerSecurityDeposit,
-                    PaymentAccount paymentAccount) {
+                    double securityDepositPct,
+                    PaymentAccount paymentAccount,
+                    boolean isPrivateOffer,
+                    boolean buyerAsTakerWithoutDeposit) {
         return createOfferService.createAndGetOffer(offerId,
                 direction,
                 currencyCode.toUpperCase(),
@@ -233,8 +239,10 @@ public class CoreOffersService {
                 price,
                 useMarketBasedPrice,
                 exactMultiply(marketPriceMargin, 0.01),
-                buyerSecurityDeposit,
-                paymentAccount);
+                securityDepositPct,
+                paymentAccount,
+                isPrivateOffer,
+                buyerAsTakerWithoutDeposit);
     }
 
     void cancelOffer(String id, ResultHandler resultHandler, ErrorMessageHandler errorMessageHandler) {

core/src/main/java/haveno/core/api/CoreTradesService.java

@@ -132,7 +132,7 @@ class CoreTradesService {
             // adjust amount for fixed-price offer (based on TakeOfferViewModel)
             String currencyCode = offer.getCurrencyCode();
             OfferDirection direction = offer.getOfferPayload().getDirection();
-            long maxTradeLimit = offerUtil.getMaxTradeLimit(paymentAccount, currencyCode, direction);
+            long maxTradeLimit = offerUtil.getMaxTradeLimit(paymentAccount, currencyCode, direction, offer.hasBuyerAsTakerWithoutDeposit());
             if (offer.getPrice() != null) {
                 if (PaymentMethod.isRoundedForAtmCash(paymentAccount.getPaymentMethod().getId())) {
                     amount = CoinUtil.getRoundedAtmCashAmount(amount, offer.getPrice(), maxTradeLimit);

core/src/main/java/haveno/core/api/model/OfferInfo.java

@@ -78,6 +78,8 @@ public class OfferInfo implements Payload {
     @Nullable
     private final String splitOutputTxHash;
     private final long splitOutputTxFee;
+    private final boolean isPrivateOffer;
+    private final String challenge;
 
     public OfferInfo(OfferInfoBuilder builder) {
         this.id = builder.getId();
@@ -111,6 +113,8 @@ public class OfferInfo implements Payload {
         this.arbitratorSigner = builder.getArbitratorSigner();
         this.splitOutputTxHash = builder.getSplitOutputTxHash();
         this.splitOutputTxFee = builder.getSplitOutputTxFee();
+        this.isPrivateOffer = builder.isPrivateOffer();
+        this.challenge = builder.getChallenge();
     }
 
     public static OfferInfo toOfferInfo(Offer offer) {
@@ -137,6 +141,7 @@ public class OfferInfo implements Payload {
                 .withIsActivated(isActivated)
                 .withSplitOutputTxHash(openOffer.getSplitOutputTxHash())
                 .withSplitOutputTxFee(openOffer.getSplitOutputTxFee())
+                .withChallenge(openOffer.getChallenge())
                 .build();
     }
 
@@ -177,7 +182,9 @@ public class OfferInfo implements Payload {
                 .withPubKeyRing(offer.getOfferPayload().getPubKeyRing().toString())
                 .withVersionNumber(offer.getOfferPayload().getVersionNr())
                 .withProtocolVersion(offer.getOfferPayload().getProtocolVersion())
-                .withArbitratorSigner(offer.getOfferPayload().getArbitratorSigner() == null ? null : offer.getOfferPayload().getArbitratorSigner().getFullAddress());
+                .withArbitratorSigner(offer.getOfferPayload().getArbitratorSigner() == null ? null : offer.getOfferPayload().getArbitratorSigner().getFullAddress())
+                .withIsPrivateOffer(offer.isPrivateOffer())
+                .withChallenge(offer.getChallenge());
     }
 
     ///////////////////////////////////////////////////////////////////////////////////////////
@@ -215,9 +222,11 @@ public class OfferInfo implements Payload {
                 .setPubKeyRing(pubKeyRing)
                 .setVersionNr(versionNumber)
                 .setProtocolVersion(protocolVersion)
-                .setSplitOutputTxFee(splitOutputTxFee);
+                .setSplitOutputTxFee(splitOutputTxFee)
+                .setIsPrivateOffer(isPrivateOffer);
         Optional.ofNullable(arbitratorSigner).ifPresent(builder::setArbitratorSigner);
         Optional.ofNullable(splitOutputTxHash).ifPresent(builder::setSplitOutputTxHash);
+        Optional.ofNullable(challenge).ifPresent(builder::setChallenge);
         return builder.build();
     }
 
@@ -255,6 +264,8 @@ public class OfferInfo implements Payload {
                 .withArbitratorSigner(proto.getArbitratorSigner())
                 .withSplitOutputTxHash(proto.getSplitOutputTxHash())
                 .withSplitOutputTxFee(proto.getSplitOutputTxFee())
+                .withIsPrivateOffer(proto.getIsPrivateOffer())
+                .withChallenge(proto.getChallenge())
                 .build();
     }
 }

core/src/main/java/haveno/core/api/model/TradeInfo.java

@@ -172,14 +172,14 @@ public class TradeInfo implements Payload {
                 .withAmount(trade.getAmount().longValueExact())
                 .withMakerFee(trade.getMakerFee().longValueExact())
                 .withTakerFee(trade.getTakerFee().longValueExact())
-                .withBuyerSecurityDeposit(trade.getBuyer().getSecurityDeposit() == null ? -1 : trade.getBuyer().getSecurityDeposit().longValueExact())
-                .withSellerSecurityDeposit(trade.getSeller().getSecurityDeposit() == null ? -1 : trade.getSeller().getSecurityDeposit().longValueExact())
-                .withBuyerDepositTxFee(trade.getBuyer().getDepositTxFee() == null ? -1 : trade.getBuyer().getDepositTxFee().longValueExact())
-                .withSellerDepositTxFee(trade.getSeller().getDepositTxFee() == null ? -1 : trade.getSeller().getDepositTxFee().longValueExact())
-                .withBuyerPayoutTxFee(trade.getBuyer().getPayoutTxFee() == null ? -1 : trade.getBuyer().getPayoutTxFee().longValueExact())
-                .withSellerPayoutTxFee(trade.getSeller().getPayoutTxFee() == null ? -1 : trade.getSeller().getPayoutTxFee().longValueExact())
-                .withBuyerPayoutAmount(trade.getBuyer().getPayoutAmount() == null ? -1 : trade.getBuyer().getPayoutAmount().longValueExact())
-                .withSellerPayoutAmount(trade.getSeller().getPayoutAmount() == null ? -1 : trade.getSeller().getPayoutAmount().longValueExact())
+                .withBuyerSecurityDeposit(trade.getBuyer().getSecurityDeposit().longValueExact())
+                .withSellerSecurityDeposit(trade.getSeller().getSecurityDeposit().longValueExact())
+                .withBuyerDepositTxFee(trade.getBuyer().getDepositTxFee().longValueExact())
+                .withSellerDepositTxFee(trade.getSeller().getDepositTxFee().longValueExact())
+                .withBuyerPayoutTxFee(trade.getBuyer().getPayoutTxFee().longValueExact())
+                .withSellerPayoutTxFee(trade.getSeller().getPayoutTxFee().longValueExact())
+                .withBuyerPayoutAmount(trade.getBuyer().getPayoutAmount().longValueExact())
+                .withSellerPayoutAmount(trade.getSeller().getPayoutAmount().longValueExact())
                 .withTotalTxFee(trade.getTotalTxFee().longValueExact())
                 .withPrice(toPreciseTradePrice.apply(trade))
                 .withVolume(toRoundedVolume.apply(trade))

core/src/main/java/haveno/core/api/model/builder/OfferInfoBuilder.java

@@ -63,6 +63,8 @@ public final class OfferInfoBuilder {
     private String arbitratorSigner;
     private String splitOutputTxHash;
     private long splitOutputTxFee;
+    private boolean isPrivateOffer;
+    private String challenge;
 
     public OfferInfoBuilder withId(String id) {
         this.id = id;
@@ -234,6 +236,16 @@ public final class OfferInfoBuilder {
         return this;
     }
 
+    public OfferInfoBuilder withIsPrivateOffer(boolean isPrivateOffer) {
+        this.isPrivateOffer = isPrivateOffer;
+        return this;
+    }
+
+    public OfferInfoBuilder withChallenge(String challenge) {
+        this.challenge = challenge;
+        return this;
+    }
+
     public OfferInfo build() {
         return new OfferInfo(this);
     }

core/src/main/java/haveno/core/offer/CreateOfferService.java

@@ -33,10 +33,8 @@ import haveno.core.provider.price.PriceFeedService;
 import haveno.core.support.dispute.arbitration.arbitrator.ArbitratorManager;
 import haveno.core.trade.HavenoUtils;
 import haveno.core.trade.statistics.TradeStatisticsManager;
-import haveno.core.user.Preferences;
 import haveno.core.user.User;
 import haveno.core.util.coin.CoinUtil;
-import haveno.core.xmr.wallet.Restrictions;
 import haveno.core.xmr.wallet.XmrWalletService;
 import haveno.network.p2p.NodeAddress;
 import haveno.network.p2p.P2PService;
@@ -102,9 +100,10 @@ public class CreateOfferService {
                                    Price fixedPrice,
                                    boolean useMarketBasedPrice,
                                    double marketPriceMargin,
-                                   double securityDepositAsDouble,
-                                   PaymentAccount paymentAccount) {
-
+                                   double securityDepositPct,
+                                   PaymentAccount paymentAccount,
+                                   boolean isPrivateOffer,
+                                   boolean buyerAsTakerWithoutDeposit) {
         log.info("create and get offer with offerId={}, " +
                         "currencyCode={}, " +
                         "direction={}, " +
@@ -113,7 +112,9 @@ public class CreateOfferService {
                         "marketPriceMargin={}, " +
                         "amount={}, " +
                         "minAmount={}, " +
-                        "securityDeposit={}",
+                        "securityDepositPct={}, " +
+                        "isPrivateOffer={}, " +
+                        "buyerAsTakerWithoutDeposit={}",
                 offerId,
                 currencyCode,
                 direction,
@@ -122,7 +123,15 @@ public class CreateOfferService {
                 marketPriceMargin,
                 amount,
                 minAmount,
-                securityDepositAsDouble);
+                securityDepositPct,
+                isPrivateOffer,
+                buyerAsTakerWithoutDeposit);
+
+        // verify buyer as taker security deposit
+        boolean isBuyerMaker = offerUtil.isBuyOffer(direction);
+        if (!isBuyerMaker && !isPrivateOffer && buyerAsTakerWithoutDeposit) {
+            throw new IllegalArgumentException("Buyer as taker deposit is required for public offers");
+        }
 
         // verify fixed price xor market price with margin
         if (fixedPrice != null) {
@@ -143,10 +152,17 @@ public class CreateOfferService {
         }
 
         // adjust amount and min amount for fixed-price offer
-        long maxTradeLimit = offerUtil.getMaxTradeLimit(paymentAccount, currencyCode, direction);
         if (fixedPrice != null) {
-            amount = CoinUtil.getRoundedAmount(amount, fixedPrice, maxTradeLimit, currencyCode, paymentAccount.getPaymentMethod().getId());
-            minAmount = CoinUtil.getRoundedAmount(minAmount, fixedPrice, maxTradeLimit, currencyCode, paymentAccount.getPaymentMethod().getId());
+            amount = CoinUtil.getRoundedAmount(amount, fixedPrice, null, currencyCode, paymentAccount.getPaymentMethod().getId());
+            minAmount = CoinUtil.getRoundedAmount(minAmount, fixedPrice, null, currencyCode, paymentAccount.getPaymentMethod().getId());
+        }
+
+        // generate one-time challenge for private offer
+        String challenge = null;
+        String challengeHash = null;
+        if (isPrivateOffer) {
+            challenge = HavenoUtils.generateChallenge();
+            challengeHash = HavenoUtils.getChallengeHash(challenge);
         }
 
         long priceAsLong = fixedPrice != null ? fixedPrice.getValue() : 0L;
@@ -161,21 +177,16 @@ public class CreateOfferService {
         String bankId = PaymentAccountUtil.getBankId(paymentAccount);
         List<String> acceptedBanks = PaymentAccountUtil.getAcceptedBanks(paymentAccount);
         long maxTradePeriod = paymentAccount.getMaxTradePeriod();
-
-        // reserved for future use cases
-        // Use null values if not set
-        boolean isPrivateOffer = false;
+        boolean hasBuyerAsTakerWithoutDeposit = !isBuyerMaker && isPrivateOffer && buyerAsTakerWithoutDeposit;
+        long maxTradeLimit = offerUtil.getMaxTradeLimit(paymentAccount, currencyCode, direction, hasBuyerAsTakerWithoutDeposit);
         boolean useAutoClose = false;
         boolean useReOpenAfterAutoClose = false;
         long lowerClosePrice = 0;
         long upperClosePrice = 0;
-        String hashOfChallenge = null;
-        Map<String, String> extraDataMap = offerUtil.getExtraDataMap(paymentAccount,
-                currencyCode,
-                direction);
+        Map<String, String> extraDataMap = offerUtil.getExtraDataMap(paymentAccount, currencyCode, direction);
 
         offerUtil.validateOfferData(
-                securityDepositAsDouble,
+                securityDepositPct,
                 paymentAccount,
                 currencyCode);
 
@@ -189,11 +200,11 @@ public class CreateOfferService {
                 useMarketBasedPriceValue,
                 amountAsLong,
                 minAmountAsLong,
-                HavenoUtils.MAKER_FEE_PCT,
-                HavenoUtils.TAKER_FEE_PCT,
+                hasBuyerAsTakerWithoutDeposit ? HavenoUtils.MAKER_FEE_FOR_TAKER_WITHOUT_DEPOSIT_PCT : HavenoUtils.MAKER_FEE_PCT,
+                hasBuyerAsTakerWithoutDeposit ? 0d : HavenoUtils.TAKER_FEE_PCT,
                 HavenoUtils.PENALTY_FEE_PCT,
-                securityDepositAsDouble,
-                securityDepositAsDouble,
+                hasBuyerAsTakerWithoutDeposit ? 0d : securityDepositPct, // buyer as taker security deposit is optional for private offers
+                securityDepositPct,
                 baseCurrencyCode,
                 counterCurrencyCode,
                 paymentAccount.getPaymentMethod().getId(),
@@ -211,7 +222,7 @@ public class CreateOfferService {
                 upperClosePrice,
                 lowerClosePrice,
                 isPrivateOffer,
-                hashOfChallenge,
+                challengeHash,
                 extraDataMap,
                 Version.TRADE_PROTOCOL_VERSION,
                 null,
@@ -219,38 +230,10 @@ public class CreateOfferService {
                 null);
         Offer offer = new Offer(offerPayload);
         offer.setPriceFeedService(priceFeedService);
+        offer.setChallenge(challenge);
         return offer;
     }
 
-    public BigInteger getReservedFundsForOffer(OfferDirection direction,
-                                         BigInteger amount,
-                                         double buyerSecurityDeposit,
-                                         double sellerSecurityDeposit) {
-
-        BigInteger reservedFundsForOffer = getSecurityDeposit(direction,
-                amount,
-                buyerSecurityDeposit,
-                sellerSecurityDeposit);
-        if (!offerUtil.isBuyOffer(direction))
-            reservedFundsForOffer = reservedFundsForOffer.add(amount);
-
-        return reservedFundsForOffer;
-    }
-
-    public BigInteger getSecurityDeposit(OfferDirection direction,
-                                   BigInteger amount,
-                                   double buyerSecurityDeposit,
-                                   double sellerSecurityDeposit) {
-        return offerUtil.isBuyOffer(direction) ?
-                getBuyerSecurityDeposit(amount, buyerSecurityDeposit) :
-                getSellerSecurityDeposit(amount, sellerSecurityDeposit);
-    }
-
-    public double getSellerSecurityDepositAsDouble(double buyerSecurityDeposit) {
-        return Preferences.USE_SYMMETRIC_SECURITY_DEPOSIT ? buyerSecurityDeposit :
-                Restrictions.getSellerSecurityDepositAsPercent();
-    }
-
     ///////////////////////////////////////////////////////////////////////////////////////////
     // Private
     ///////////////////////////////////////////////////////////////////////////////////////////
@@ -259,26 +242,4 @@ public class CreateOfferService {
         MarketPrice marketPrice = priceFeedService.getMarketPrice(currencyCode);
         return marketPrice != null && marketPrice.isExternallyProvidedPrice();
     }
-
-    private BigInteger getBuyerSecurityDeposit(BigInteger amount, double buyerSecurityDeposit) {
-        BigInteger percentOfAmount = CoinUtil.getPercentOfAmount(buyerSecurityDeposit, amount);
-        return getBoundedBuyerSecurityDeposit(percentOfAmount);
-    }
-
-    private BigInteger getSellerSecurityDeposit(BigInteger amount, double sellerSecurityDeposit) {
-        BigInteger percentOfAmount = CoinUtil.getPercentOfAmount(sellerSecurityDeposit, amount);
-        return getBoundedSellerSecurityDeposit(percentOfAmount);
-    }
-
-    private BigInteger getBoundedBuyerSecurityDeposit(BigInteger value) {
-        // We need to ensure that for small amount values we don't get a too low BTC amount. We limit it with using the
-        // MinBuyerSecurityDeposit from Restrictions.
-        return Restrictions.getMinBuyerSecurityDeposit().max(value);
-    }
-
-    private BigInteger getBoundedSellerSecurityDeposit(BigInteger value) {
-        // We need to ensure that for small amount values we don't get a too low BTC amount. We limit it with using the
-        // MinSellerSecurityDeposit from Restrictions.
-        return Restrictions.getMinSellerSecurityDeposit().max(value);
-    }
 }

core/src/main/java/haveno/core/offer/Offer.java

@@ -115,6 +115,12 @@ public class Offer implements NetworkPayload, PersistablePayload {
     @Setter
     transient private boolean isReservedFundsSpent;
 
+    @JsonExclude
+    @Getter
+    @Setter
+    @Nullable
+    transient private String challenge;
+
 
     ///////////////////////////////////////////////////////////////////////////////////////////
     // Constructor
@@ -337,6 +343,18 @@ public class Offer implements NetworkPayload, PersistablePayload {
         return offerPayload.getSellerSecurityDepositPct();
     }
 
+    public boolean isPrivateOffer() {
+        return offerPayload.isPrivateOffer();
+    }
+
+    public String getChallengeHash() {
+        return offerPayload.getChallengeHash();
+    }
+
+    public boolean hasBuyerAsTakerWithoutDeposit() {
+        return getDirection() == OfferDirection.SELL && getBuyerSecurityDepositPct() == 0;
+    }
+
     public BigInteger getMaxTradeLimit() {
         return BigInteger.valueOf(offerPayload.getMaxTradeLimit());
     }

core/src/main/java/haveno/core/offer/OfferFilterService.java

@@ -201,7 +201,7 @@ public class OfferFilterService {
                 accountAgeWitnessService);
         long myTradeLimit = accountOptional
                 .map(paymentAccount -> accountAgeWitnessService.getMyTradeLimit(paymentAccount,
-                        offer.getCurrencyCode(), offer.getMirroredDirection()))
+                        offer.getCurrencyCode(), offer.getMirroredDirection(), offer.hasBuyerAsTakerWithoutDeposit()))
                 .orElse(0L);
         long offerMinAmount = offer.getMinAmount().longValueExact();
         log.debug("isInsufficientTradeLimit accountOptional={}, myTradeLimit={}, offerMinAmount={}, ",

core/src/main/java/haveno/core/offer/OfferPayload.java

@@ -156,7 +156,7 @@ public final class OfferPayload implements ProtectedStoragePayload, ExpirablePay
     // Reserved for possible future use to support private trades where the taker needs to have an accessKey
     private final boolean isPrivateOffer;
     @Nullable
-    private final String hashOfChallenge;
+    private final String challengeHash;
 
 
     ///////////////////////////////////////////////////////////////////////////////////////////
@@ -195,7 +195,7 @@ public final class OfferPayload implements ProtectedStoragePayload, ExpirablePay
                         long lowerClosePrice,
                         long upperClosePrice,
                         boolean isPrivateOffer,
-                        @Nullable String hashOfChallenge,
+                        @Nullable String challengeHash,
                         @Nullable Map<String, String> extraDataMap,
                         int protocolVersion,
                         @Nullable NodeAddress arbitratorSigner,
@@ -238,7 +238,7 @@ public final class OfferPayload implements ProtectedStoragePayload, ExpirablePay
         this.lowerClosePrice = lowerClosePrice;
         this.upperClosePrice = upperClosePrice;
         this.isPrivateOffer = isPrivateOffer;
-        this.hashOfChallenge = hashOfChallenge;
+        this.challengeHash = challengeHash;
     }
 
     public byte[] getHash() {
@@ -284,7 +284,7 @@ public final class OfferPayload implements ProtectedStoragePayload, ExpirablePay
             lowerClosePrice,
             upperClosePrice,
             isPrivateOffer,
-            hashOfChallenge,
+            challengeHash,
             extraDataMap,
             protocolVersion,
             arbitratorSigner,
@@ -328,12 +328,17 @@ public final class OfferPayload implements ProtectedStoragePayload, ExpirablePay
 
     public BigInteger getBuyerSecurityDepositForTradeAmount(BigInteger tradeAmount) {
         BigInteger securityDepositUnadjusted = HavenoUtils.multiply(tradeAmount, getBuyerSecurityDepositPct());
-        return Restrictions.getMinBuyerSecurityDeposit().max(securityDepositUnadjusted);
+        boolean isBuyerTaker = getDirection() == OfferDirection.SELL;
+        if (isPrivateOffer() && isBuyerTaker) {
+            return securityDepositUnadjusted;
+        } else {
+            return Restrictions.getMinSecurityDeposit().max(securityDepositUnadjusted);
+        }
     }
 
     public BigInteger getSellerSecurityDepositForTradeAmount(BigInteger tradeAmount) {
         BigInteger securityDepositUnadjusted = HavenoUtils.multiply(tradeAmount, getSellerSecurityDepositPct());
-        return Restrictions.getMinSellerSecurityDeposit().max(securityDepositUnadjusted);
+        return Restrictions.getMinSecurityDeposit().max(securityDepositUnadjusted);
     }
 
     ///////////////////////////////////////////////////////////////////////////////////////////
@@ -376,7 +381,7 @@ public final class OfferPayload implements ProtectedStoragePayload, ExpirablePay
         Optional.ofNullable(bankId).ifPresent(builder::setBankId);
         Optional.ofNullable(acceptedBankIds).ifPresent(builder::addAllAcceptedBankIds);
         Optional.ofNullable(acceptedCountryCodes).ifPresent(builder::addAllAcceptedCountryCodes);
-        Optional.ofNullable(hashOfChallenge).ifPresent(builder::setHashOfChallenge);
+        Optional.ofNullable(challengeHash).ifPresent(builder::setChallengeHash);
         Optional.ofNullable(extraDataMap).ifPresent(builder::putAllExtraData);
         Optional.ofNullable(arbitratorSigner).ifPresent(e -> builder.setArbitratorSigner(arbitratorSigner.toProtoMessage()));
         Optional.ofNullable(arbitratorSignature).ifPresent(e -> builder.setArbitratorSignature(ByteString.copyFrom(e)));
@@ -392,7 +397,7 @@ public final class OfferPayload implements ProtectedStoragePayload, ExpirablePay
                 null : new ArrayList<>(proto.getAcceptedCountryCodesList());
         List<String> reserveTxKeyImages = proto.getReserveTxKeyImagesList().isEmpty() ?
                 null : new ArrayList<>(proto.getReserveTxKeyImagesList());
-        String hashOfChallenge = ProtoUtil.stringOrNullFromProto(proto.getHashOfChallenge());
+        String challengeHash = ProtoUtil.stringOrNullFromProto(proto.getChallengeHash());
         Map<String, String> extraDataMapMap = CollectionUtils.isEmpty(proto.getExtraDataMap()) ?
                 null : proto.getExtraDataMap();
 
@@ -428,7 +433,7 @@ public final class OfferPayload implements ProtectedStoragePayload, ExpirablePay
                 proto.getLowerClosePrice(),
                 proto.getUpperClosePrice(),
                 proto.getIsPrivateOffer(),
-                hashOfChallenge,
+                challengeHash,
                 extraDataMapMap,
                 proto.getProtocolVersion(),
                 proto.hasArbitratorSigner() ? NodeAddress.fromProto(proto.getArbitratorSigner()) : null,
@@ -475,7 +480,7 @@ public final class OfferPayload implements ProtectedStoragePayload, ExpirablePay
                 ",\r\n     lowerClosePrice=" + lowerClosePrice +
                 ",\r\n     upperClosePrice=" + upperClosePrice +
                 ",\r\n     isPrivateOffer=" + isPrivateOffer +
-                ",\r\n     hashOfChallenge='" + hashOfChallenge + '\'' +
+                ",\r\n     challengeHash='" + challengeHash + '\'' +
                 ",\r\n     arbitratorSigner=" + arbitratorSigner +
                 ",\r\n     arbitratorSignature=" + Utilities.bytesAsHexString(arbitratorSignature) +
                 "\r\n} ";

core/src/main/java/haveno/core/offer/OfferUtil.java

@@ -58,8 +58,8 @@ import haveno.core.trade.statistics.ReferralIdService;
 import haveno.core.user.AutoConfirmSettings;
 import haveno.core.user.Preferences;
 import haveno.core.util.coin.CoinFormatter;
-import static haveno.core.xmr.wallet.Restrictions.getMaxBuyerSecurityDepositAsPercent;
-import static haveno.core.xmr.wallet.Restrictions.getMinBuyerSecurityDepositAsPercent;
+import static haveno.core.xmr.wallet.Restrictions.getMaxSecurityDepositAsPercent;
+import static haveno.core.xmr.wallet.Restrictions.getMinSecurityDepositAsPercent;
 import haveno.network.p2p.P2PService;
 import java.math.BigInteger;
 import java.util.HashMap;
@@ -120,9 +120,10 @@ public class OfferUtil {
 
     public long getMaxTradeLimit(PaymentAccount paymentAccount,
                                  String currencyCode,
-                                 OfferDirection direction) {
+                                 OfferDirection direction,
+                                 boolean buyerAsTakerWithoutDeposit) {
         return paymentAccount != null
-                ? accountAgeWitnessService.getMyTradeLimit(paymentAccount, currencyCode, direction)
+                ? accountAgeWitnessService.getMyTradeLimit(paymentAccount, currencyCode, direction, buyerAsTakerWithoutDeposit)
                 : 0;
     }
 
@@ -228,16 +229,16 @@ public class OfferUtil {
         return extraDataMap.isEmpty() ? null : extraDataMap;
     }
 
-    public void validateOfferData(double buyerSecurityDeposit,
+    public void validateOfferData(double securityDeposit,
                                   PaymentAccount paymentAccount,
                                   String currencyCode) {
         checkNotNull(p2PService.getAddress(), "Address must not be null");
-        checkArgument(buyerSecurityDeposit <= getMaxBuyerSecurityDepositAsPercent(),
+        checkArgument(securityDeposit <= getMaxSecurityDepositAsPercent(),
                 "securityDeposit must not exceed " +
-                        getMaxBuyerSecurityDepositAsPercent());
-        checkArgument(buyerSecurityDeposit >= getMinBuyerSecurityDepositAsPercent(),
+                        getMaxSecurityDepositAsPercent());
+        checkArgument(securityDeposit >= getMinSecurityDepositAsPercent(),
                 "securityDeposit must not be less than " +
-                        getMinBuyerSecurityDepositAsPercent() + " but was " + buyerSecurityDeposit);
+                        getMinSecurityDepositAsPercent() + " but was " + securityDeposit);
         checkArgument(!filterManager.isCurrencyBanned(currencyCode),
                 Res.get("offerbook.warning.currencyBanned"));
         checkArgument(!filterManager.isPaymentMethodBanned(paymentAccount.getPaymentMethod()),

core/src/main/java/haveno/core/offer/OpenOffer.java

@@ -96,6 +96,9 @@ public final class OpenOffer implements Tradable {
     @Getter
     private String reserveTxKey;
     @Getter
+    @Setter
+    private String challenge;
+    @Getter
     private final long triggerPrice;
     @Getter
     @Setter
@@ -107,7 +110,6 @@ public final class OpenOffer implements Tradable {
     @Getter
     @Setter
     transient int numProcessingAttempts = 0;
-
     public OpenOffer(Offer offer) {
         this(offer, 0, false);
     }
@@ -120,6 +122,7 @@ public final class OpenOffer implements Tradable {
         this.offer = offer;
         this.triggerPrice = triggerPrice;
         this.reserveExactAmount = reserveExactAmount;
+        this.challenge = offer.getChallenge();
         state = State.PENDING;
     }
 
@@ -137,6 +140,7 @@ public final class OpenOffer implements Tradable {
         this.reserveTxHash = openOffer.reserveTxHash;
         this.reserveTxHex = openOffer.reserveTxHex;
         this.reserveTxKey = openOffer.reserveTxKey;
+        this.challenge = openOffer.challenge;
     }
 
     ///////////////////////////////////////////////////////////////////////////////////////////
@@ -153,7 +157,8 @@ public final class OpenOffer implements Tradable {
                       long splitOutputTxFee,
                       @Nullable String reserveTxHash,
                       @Nullable String reserveTxHex,
-                      @Nullable String reserveTxKey) {
+                      @Nullable String reserveTxKey,
+                      @Nullable String challenge) {
         this.offer = offer;
         this.state = state;
         this.triggerPrice = triggerPrice;
@@ -164,6 +169,7 @@ public final class OpenOffer implements Tradable {
         this.reserveTxHash = reserveTxHash;
         this.reserveTxHex = reserveTxHex;
         this.reserveTxKey = reserveTxKey;
+        this.challenge = challenge;
 
         // reset reserved state to available
         if (this.state == State.RESERVED) setState(State.AVAILABLE);
@@ -184,6 +190,7 @@ public final class OpenOffer implements Tradable {
         Optional.ofNullable(reserveTxHash).ifPresent(e -> builder.setReserveTxHash(reserveTxHash));
         Optional.ofNullable(reserveTxHex).ifPresent(e -> builder.setReserveTxHex(reserveTxHex));
         Optional.ofNullable(reserveTxKey).ifPresent(e -> builder.setReserveTxKey(reserveTxKey));
+        Optional.ofNullable(challenge).ifPresent(e -> builder.setChallenge(challenge));
 
         return protobuf.Tradable.newBuilder().setOpenOffer(builder).build();
     }
@@ -199,7 +206,8 @@ public final class OpenOffer implements Tradable {
                 proto.getSplitOutputTxFee(),
                 ProtoUtil.stringOrNullFromProto(proto.getReserveTxHash()),
                 ProtoUtil.stringOrNullFromProto(proto.getReserveTxHex()),
-                ProtoUtil.stringOrNullFromProto(proto.getReserveTxKey()));
+                ProtoUtil.stringOrNullFromProto(proto.getReserveTxKey()),
+                ProtoUtil.stringOrNullFromProto(proto.getChallenge()));
         return openOffer;
     }
 

core/src/main/java/haveno/core/offer/OpenOfferManager.java

@@ -79,6 +79,7 @@ import haveno.core.util.JsonUtil;
 import haveno.core.util.Validator;
 import haveno.core.xmr.model.XmrAddressEntry;
 import haveno.core.xmr.wallet.BtcWalletService;
+import haveno.core.xmr.wallet.Restrictions;
 import haveno.core.xmr.wallet.XmrKeyImageListener;
 import haveno.core.xmr.wallet.XmrKeyImagePoller;
 import haveno.core.xmr.wallet.TradeWalletService;
@@ -947,7 +948,7 @@ public class OpenOfferManager implements PeerManager.Listener, DecryptedDirectMe
                 if (openOffer.getScheduledTxHashes() != null) {
                     boolean scheduledTxsAvailable = true;
                     for (MoneroTxWallet tx : xmrWalletService.getTxs(openOffer.getScheduledTxHashes())) {
-                        if (!tx.isLocked() && !isOutputsAvailable(tx)) {
+                        if (!tx.isLocked() && !hasSpendableAmount(tx)) {
                             scheduledTxsAvailable = false;
                             break;
                         }
@@ -1164,31 +1165,21 @@ public class OpenOfferManager implements PeerManager.Listener, DecryptedDirectMe
             throw new RuntimeException("Not enough money in Haveno wallet");
         }
 
-        // get earliest available or pending txs with sufficient incoming amount
+        // get earliest available or pending txs with sufficient spendable amount
         BigInteger scheduledAmount = BigInteger.ZERO;
         Set<MoneroTxWallet> scheduledTxs = new HashSet<MoneroTxWallet>();
         for (MoneroTxWallet tx : xmrWalletService.getTxs()) {
 
-            // skip if no funds available
-            BigInteger sentToSelfAmount = xmrWalletService.getAmountSentToSelf(tx); // amount sent to self always shows 0, so compute from destinations manually
-            if (sentToSelfAmount.equals(BigInteger.ZERO) && (tx.getIncomingTransfers() == null || tx.getIncomingTransfers().isEmpty())) continue;
-            if (!isOutputsAvailable(tx)) continue;
+            // get spendable amount
+            BigInteger spendableAmount = getSpendableAmount(tx);
+
+            // skip if no spendable amount or already scheduled
+            if (spendableAmount.equals(BigInteger.ZERO)) continue;
             if (isTxScheduledByOtherOffer(openOffers, openOffer, tx.getHash())) continue;
 
-            // schedule transaction if funds sent to self, because they are not included in incoming transfers // TODO: fix in libraries?
-            if (sentToSelfAmount.compareTo(BigInteger.ZERO) > 0) {
-                scheduledAmount = scheduledAmount.add(sentToSelfAmount);
-                scheduledTxs.add(tx);
-            } else if (tx.getIncomingTransfers() != null) {
-
-                // schedule transaction if incoming tranfers to account 0
-                for (MoneroIncomingTransfer transfer : tx.getIncomingTransfers()) {
-                    if (transfer.getAccountIndex() == 0) {
-                        scheduledAmount = scheduledAmount.add(transfer.getAmount());
-                        scheduledTxs.add(tx);
-                    }
-                }
-            }
+            // schedule tx
+            scheduledAmount = scheduledAmount.add(spendableAmount);
+            scheduledTxs.add(tx);
 
             // break if sufficient funds
             if (scheduledAmount.compareTo(offerReserveAmount) >= 0) break;
@@ -1201,6 +1192,34 @@ public class OpenOfferManager implements PeerManager.Listener, DecryptedDirectMe
         openOffer.setState(OpenOffer.State.PENDING);
     }
 
+    private BigInteger getSpendableAmount(MoneroTxWallet tx) {
+
+        // compute spendable amount from outputs if confirmed
+        if (tx.isConfirmed()) {
+            BigInteger spendableAmount = BigInteger.ZERO;
+            if (tx.getOutputsWallet() != null) {
+                for (MoneroOutputWallet output : tx.getOutputsWallet()) {
+                    if (!output.isSpent() && !output.isFrozen() && output.getAccountIndex() == 0) {
+                        spendableAmount = spendableAmount.add(output.getAmount());
+                    }
+                }
+            }
+            return spendableAmount;
+        }
+
+        // funds sent to self always show 0 incoming amount, so compute from destinations manually
+        // TODO: this excludes change output, so change is missing from spendable amount until confirmed
+        BigInteger sentToSelfAmount = xmrWalletService.getAmountSentToSelf(tx);
+        if (sentToSelfAmount.compareTo(BigInteger.ZERO) > 0) return sentToSelfAmount;
+
+        // if not confirmed and not sent to self, return incoming amount
+        return tx.getIncomingAmount() == null ? BigInteger.ZERO : tx.getIncomingAmount();
+    }
+
+    private boolean hasSpendableAmount(MoneroTxWallet tx) {
+        return getSpendableAmount(tx).compareTo(BigInteger.ZERO) > 0;
+    }
+
     private BigInteger getScheduledAmount(List<OpenOffer> openOffers) {
         BigInteger scheduledAmount = BigInteger.ZERO;
         for (OpenOffer openOffer : openOffers) {
@@ -1232,14 +1251,6 @@ public class OpenOfferManager implements PeerManager.Listener, DecryptedDirectMe
         return false;
     }
 
-    private boolean isOutputsAvailable(MoneroTxWallet tx) {
-        if (tx.getOutputsWallet() == null) return false;
-        for (MoneroOutputWallet output : tx.getOutputsWallet()) {
-            if (output.isSpent() || output.isFrozen()) return false;
-        }
-        return true;
-    }
-
     private void signAndPostOffer(OpenOffer openOffer,
                                   boolean useSavingsWallet, // TODO: remove this?
                                   TransactionResultHandler resultHandler, ErrorMessageHandler errorMessageHandler) {
@@ -1307,7 +1318,7 @@ public class OpenOfferManager implements PeerManager.Listener, DecryptedDirectMe
             NodeAddress thisAddress = p2PService.getNetworkNode().getNodeAddress();
             if (thisArbitrator == null || !thisArbitrator.getNodeAddress().equals(thisAddress)) {
               errorMessage = "Cannot sign offer because we are not a registered arbitrator";
-              log.info(errorMessage);
+              log.warn(errorMessage);
               sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
               return;
             }
@@ -1315,47 +1326,109 @@ public class OpenOfferManager implements PeerManager.Listener, DecryptedDirectMe
             // verify arbitrator is signer of offer payload
             if (!thisAddress.equals(request.getOfferPayload().getArbitratorSigner())) {
                 errorMessage = "Cannot sign offer because offer payload is for a different arbitrator";
-                log.info(errorMessage);
+                log.warn(errorMessage);
                 sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
                 return;
             }
 
-            // verify maker's trade fee
+            // private offers must have challenge hash
             Offer offer = new Offer(request.getOfferPayload());
-            if (offer.getMakerFeePct() != HavenoUtils.MAKER_FEE_PCT) {
-                errorMessage = "Wrong maker fee for offer " + request.offerId;
-                log.info(errorMessage);
+            if (offer.isPrivateOffer() && (offer.getChallengeHash() == null || offer.getChallengeHash().length() == 0)) {
+                errorMessage = "Private offer must have challenge hash for offer " + request.offerId;
+                log.warn(errorMessage);
                 sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
                 return;
             }
 
-            // verify taker's trade fee
-            if (offer.getTakerFeePct() != HavenoUtils.TAKER_FEE_PCT) {
-                errorMessage = "Wrong taker fee for offer " + request.offerId;
-                log.info(errorMessage);
-                sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
-                return;
+            // verify maker and taker fees
+            boolean hasBuyerAsTakerWithoutDeposit = offer.getDirection() == OfferDirection.SELL && offer.isPrivateOffer() && offer.getChallengeHash() != null && offer.getChallengeHash().length() > 0 && offer.getTakerFeePct() == 0;
+            if (hasBuyerAsTakerWithoutDeposit) {
+
+                // verify maker's trade fee
+                if (offer.getMakerFeePct() != HavenoUtils.MAKER_FEE_FOR_TAKER_WITHOUT_DEPOSIT_PCT) {
+                    errorMessage = "Wrong maker fee for offer " + request.offerId;
+                    log.warn(errorMessage);
+                    sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
+                    return;
+                }
+
+                // verify taker's trade fee
+                if (offer.getTakerFeePct() != 0) {
+                    errorMessage = "Wrong taker fee for offer " + request.offerId + ". Expected 0 but got " + offer.getTakerFeePct();
+                    log.warn(errorMessage);
+                    sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
+                    return;
+                }
+
+                // verify maker security deposit
+                if (offer.getSellerSecurityDepositPct() != Restrictions.MIN_SECURITY_DEPOSIT_PCT) {
+                    errorMessage = "Wrong seller security deposit for offer " + request.offerId + ". Expected " + Restrictions.MIN_SECURITY_DEPOSIT_PCT + " but got " + offer.getSellerSecurityDepositPct();
+                    log.warn(errorMessage);
+                    sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
+                    return;
+                }
+
+                // verify taker's security deposit
+                if (offer.getBuyerSecurityDepositPct() != 0) {
+                    errorMessage = "Wrong buyer security deposit for offer " + request.offerId + ". Expected 0 but got " + offer.getBuyerSecurityDepositPct();
+                    log.warn(errorMessage);
+                    sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
+                    return;
+                }
+            } else {
+
+                // verify maker's trade fee
+                if (offer.getMakerFeePct() != HavenoUtils.MAKER_FEE_PCT) {
+                    errorMessage = "Wrong maker fee for offer " + request.offerId;
+                    log.warn(errorMessage);
+                    sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
+                    return;
+                }
+
+                // verify taker's trade fee
+                if (offer.getTakerFeePct() != HavenoUtils.TAKER_FEE_PCT) {
+                    errorMessage = "Wrong taker fee for offer " + request.offerId + ". Expected " + HavenoUtils.TAKER_FEE_PCT + " but got " + offer.getTakerFeePct();
+                    log.warn(errorMessage);
+                    sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
+                    return;
+                }
+
+                // verify seller's security deposit
+                if (offer.getSellerSecurityDepositPct() < Restrictions.MIN_SECURITY_DEPOSIT_PCT) {
+                    errorMessage = "Insufficient seller security deposit for offer " + request.offerId + ". Expected at least " + Restrictions.MIN_SECURITY_DEPOSIT_PCT + " but got " + offer.getSellerSecurityDepositPct();
+                    log.warn(errorMessage);
+                    sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
+                    return;
+                }
+
+                // verify buyer's security deposit
+                if (offer.getBuyerSecurityDepositPct() < Restrictions.MIN_SECURITY_DEPOSIT_PCT) {
+                    errorMessage = "Insufficient buyer security deposit for offer " + request.offerId + ". Expected at least " + Restrictions.MIN_SECURITY_DEPOSIT_PCT + " but got " + offer.getBuyerSecurityDepositPct();
+                    log.warn(errorMessage);
+                    sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
+                    return;
+                }
+
+                // security deposits must be equal
+                if (offer.getBuyerSecurityDepositPct() != offer.getSellerSecurityDepositPct()) {
+                    errorMessage = "Buyer and seller security deposits are not equal for offer " + request.offerId + ": " + offer.getSellerSecurityDepositPct() + " vs " + offer.getBuyerSecurityDepositPct();
+                    log.warn(errorMessage);
+                    sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
+                    return;
+                }
             }
 
             // verify penalty fee
             if (offer.getPenaltyFeePct() != HavenoUtils.PENALTY_FEE_PCT) {
                 errorMessage = "Wrong penalty fee for offer " + request.offerId;
-                log.info(errorMessage);
-                sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
-                return;
-            }
-
-            // verify security deposits are equal
-            if (offer.getBuyerSecurityDepositPct() != offer.getSellerSecurityDepositPct()) {
-                errorMessage = "Buyer and seller security deposits are not equal for offer " + request.offerId;
-                log.info(errorMessage);
+                log.warn(errorMessage);
                 sendAckMessage(request.getClass(), peer, request.getPubKeyRing(), request.getOfferId(), request.getUid(), false, errorMessage);
                 return;
             }
 
             // verify maker's reserve tx (double spend, trade fee, trade amount, mining fee)
             BigInteger penaltyFee = HavenoUtils.multiply(offer.getAmount(), HavenoUtils.PENALTY_FEE_PCT);
-            BigInteger maxTradeFee = HavenoUtils.multiply(offer.getAmount(), HavenoUtils.MAKER_FEE_PCT);
+            BigInteger maxTradeFee = HavenoUtils.multiply(offer.getAmount(), hasBuyerAsTakerWithoutDeposit ? HavenoUtils.MAKER_FEE_FOR_TAKER_WITHOUT_DEPOSIT_PCT : HavenoUtils.MAKER_FEE_PCT);
             BigInteger sendTradeAmount =  offer.getDirection() == OfferDirection.BUY ? BigInteger.ZERO : offer.getAmount();
             BigInteger securityDeposit = offer.getDirection() == OfferDirection.BUY ? offer.getMaxBuyerSecurityDeposit() : offer.getMaxSellerSecurityDeposit();
             MoneroTx verifiedTx = xmrWalletService.verifyReserveTx(
@@ -1710,7 +1783,7 @@ public class OpenOfferManager implements PeerManager.Listener, DecryptedDirectMe
                         originalOfferPayload.getLowerClosePrice(),
                         originalOfferPayload.getUpperClosePrice(),
                         originalOfferPayload.isPrivateOffer(),
-                        originalOfferPayload.getHashOfChallenge(),
+                        originalOfferPayload.getChallengeHash(),
                         updatedExtraDataMap,
                         protocolVersion,
                         originalOfferPayload.getArbitratorSigner(),

core/src/main/java/haveno/core/offer/availability/tasks/SendOfferAvailabilityRequest.java

@@ -88,7 +88,8 @@ public class SendOfferAvailabilityRequest extends Task<OfferAvailabilityModel> {
                     null, // reserve tx not sent from taker to maker
                     null,
                     null,
-                    payoutAddress);
+                    payoutAddress,
+                    null); // challenge is required when offer taken
 
             // save trade request to later send to arbitrator
             model.setTradeRequest(tradeRequest);

core/src/main/java/haveno/core/offer/placeoffer/tasks/ValidateOffer.java

@@ -21,6 +21,7 @@ import haveno.common.taskrunner.Task;
 import haveno.common.taskrunner.TaskRunner;
 import haveno.core.account.witness.AccountAgeWitnessService;
 import haveno.core.offer.Offer;
+import haveno.core.offer.OfferDirection;
 import haveno.core.offer.placeoffer.PlaceOfferModel;
 import haveno.core.trade.HavenoUtils;
 import haveno.core.trade.messages.TradeMessage;
@@ -63,8 +64,21 @@ public class ValidateOffer extends Task<PlaceOfferModel> {
         checkBINotNullOrZero(offer.getMaxTradeLimit(), "MaxTradeLimit");
         if (offer.getMakerFeePct() < 0) throw new IllegalArgumentException("Maker fee must be >= 0% but was " + offer.getMakerFeePct());
         if (offer.getTakerFeePct() < 0) throw new IllegalArgumentException("Taker fee must be >= 0% but was " + offer.getTakerFeePct());
-        if (offer.getBuyerSecurityDepositPct() <= 0) throw new IllegalArgumentException("Buyer security deposit percent must be positive but was " + offer.getBuyerSecurityDepositPct());
-        if (offer.getSellerSecurityDepositPct() <= 0) throw new IllegalArgumentException("Seller security deposit percent must be positive but was " + offer.getSellerSecurityDepositPct());
+        offer.isPrivateOffer();
+        if (offer.isPrivateOffer()) {
+            boolean isBuyerMaker = offer.getDirection() == OfferDirection.BUY;
+            if (isBuyerMaker) {
+                if (offer.getBuyerSecurityDepositPct() <= 0) throw new IllegalArgumentException("Buyer security deposit percent must be positive but was " + offer.getBuyerSecurityDepositPct());
+                if (offer.getSellerSecurityDepositPct() < 0) throw new IllegalArgumentException("Seller security deposit percent must be >= 0% but was " + offer.getSellerSecurityDepositPct());
+            } else {
+                if (offer.getBuyerSecurityDepositPct() < 0) throw new IllegalArgumentException("Buyer security deposit percent must be >= 0% but was " + offer.getBuyerSecurityDepositPct());
+                if (offer.getSellerSecurityDepositPct() <= 0) throw new IllegalArgumentException("Seller security deposit percent must be positive but was " + offer.getSellerSecurityDepositPct());
+            }
+        } else {
+            if (offer.getBuyerSecurityDepositPct() <= 0) throw new IllegalArgumentException("Buyer security deposit percent must be positive but was " + offer.getBuyerSecurityDepositPct());
+            if (offer.getSellerSecurityDepositPct() <= 0) throw new IllegalArgumentException("Seller security deposit percent must be positive but was " + offer.getSellerSecurityDepositPct());
+        }
+
 
         // We remove those checks to be more flexible with future changes.
         /*checkArgument(offer.getMakerFee().value >= FeeService.getMinMakerFee(offer.isCurrencyForMakerFeeBtc()).value,
@@ -82,9 +96,9 @@ public class ValidateOffer extends Task<PlaceOfferModel> {
         /*checkArgument(offer.getMinAmount().compareTo(ProposalConsensus.getMinTradeAmount()) >= 0,
             "MinAmount is less than " + ProposalConsensus.getMinTradeAmount().toFriendlyString());*/
 
-        long maxAmount = accountAgeWitnessService.getMyTradeLimit(user.getPaymentAccount(offer.getMakerPaymentAccountId()), offer.getCurrencyCode(), offer.getDirection());
+        long maxAmount = accountAgeWitnessService.getMyTradeLimit(user.getPaymentAccount(offer.getMakerPaymentAccountId()), offer.getCurrencyCode(), offer.getDirection(), offer.hasBuyerAsTakerWithoutDeposit());
         checkArgument(offer.getAmount().longValueExact() <= maxAmount,
-                "Amount is larger than " + HavenoUtils.atomicUnitsToXmr(offer.getPaymentMethod().getMaxTradeLimit(offer.getCurrencyCode())) + " XMR");
+                "Amount is larger than " + HavenoUtils.atomicUnitsToXmr(maxAmount) + " XMR");
         checkArgument(offer.getAmount().compareTo(offer.getMinAmount()) >= 0, "MinAmount is larger than Amount");
 
         checkNotNull(offer.getPrice(), "Price is null");

core/src/main/java/haveno/core/offer/takeoffer/TakeOfferModel.java

@@ -148,7 +148,8 @@ public class TakeOfferModel implements Model {
     private long getMaxTradeLimit() {
         return accountAgeWitnessService.getMyTradeLimit(paymentAccount,
                 offer.getCurrencyCode(),
-                offer.getMirroredDirection());
+                offer.getMirroredDirection(),
+                offer.hasBuyerAsTakerWithoutDeposit());
     }
 
     @NotNull

core/src/main/java/haveno/core/payment/PaymentAccountUtil.java

@@ -124,7 +124,7 @@ public class PaymentAccountUtil {
                                                 AccountAgeWitnessService accountAgeWitnessService) {
         boolean hasChargebackRisk = hasChargebackRisk(offer.getPaymentMethod(), offer.getCurrencyCode());
         boolean hasValidAccountAgeWitness = accountAgeWitnessService.getMyTradeLimit(paymentAccount,
-                offer.getCurrencyCode(), offer.getMirroredDirection()) >= offer.getMinAmount().longValueExact();
+                offer.getCurrencyCode(), offer.getMirroredDirection(), offer.hasBuyerAsTakerWithoutDeposit()) >= offer.getMinAmount().longValueExact();
         return !hasChargebackRisk || hasValidAccountAgeWitness;
     }
 

core/src/main/java/haveno/core/payment/TradeLimits.java

@@ -30,7 +30,9 @@ import lombok.extern.slf4j.Slf4j;
 @Slf4j
 @Singleton
 public class TradeLimits {
-    private static final BigInteger MAX_TRADE_LIMIT = HavenoUtils.xmrToAtomicUnits(96.0); // max trade limit for lowest risk payment method. Others will get derived from that.
+    private static final BigInteger MAX_TRADE_LIMIT = HavenoUtils.xmrToAtomicUnits(528); // max trade limit for lowest risk payment method. Others will get derived from that.
+    private static final BigInteger MAX_TRADE_LIMIT_WITHOUT_BUYER_AS_TAKER_DEPOSIT = HavenoUtils.xmrToAtomicUnits(1); // max trade limit without deposit from buyer
+
     @Nullable
     @Getter
     private static TradeLimits INSTANCE;
@@ -57,6 +59,15 @@ public class TradeLimits {
        return MAX_TRADE_LIMIT;
     }
 
+    /**
+     * The maximum trade limit without a buyer deposit.
+     * 
+     * @return the maximum trade limit for a buyer without a deposit
+     */
+    public BigInteger getMaxTradeLimitBuyerAsTakerWithoutDeposit() {
+        return MAX_TRADE_LIMIT_WITHOUT_BUYER_AS_TAKER_DEPOSIT;
+    }
+
     // We possibly rounded value for the first month gets multiplied by 4 to get the trade limit after the account
     // age witness is not considered anymore (> 2 months).
 

core/src/main/java/haveno/core/payment/payload/PaymentMethod.java

@@ -124,13 +124,8 @@ public final class PaymentMethod implements PersistablePayload, Comparable<Payme
                                     Config.baseCurrencyNetwork() == BaseCurrencyNetwork.XMR_STAGENET ? TimeUnit.MINUTES.toMillis(30) :
                                     TimeUnit.DAYS.toMillis(1);
 
-    // Default trade limits.
-    // We initialize very early before reading persisted data. We will apply later the limit from
-    // the DAO param (Param.MAX_TRADE_LIMIT) but that can be only done after the dao is initialized.
-    // The default values will be used for deriving the
-    // risk factor so the relation between the risk categories stays the same as with the default values.
-    // We must not change those values as it could lead to invalid offers if amount becomes lower then new trade limit.
-    // Increasing might be ok, but needs more thought as well...
+    // These values are not used except to derive the associated risk factor.
+    private static final BigInteger DEFAULT_TRADE_LIMIT_CRYPTO = HavenoUtils.xmrToAtomicUnits(200);
     private static final BigInteger DEFAULT_TRADE_LIMIT_VERY_LOW_RISK = HavenoUtils.xmrToAtomicUnits(100);
     private static final BigInteger DEFAULT_TRADE_LIMIT_LOW_RISK = HavenoUtils.xmrToAtomicUnits(50);
     private static final BigInteger DEFAULT_TRADE_LIMIT_MID_RISK = HavenoUtils.xmrToAtomicUnits(25);
@@ -288,7 +283,7 @@ public final class PaymentMethod implements PersistablePayload, Comparable<Payme
 
             // Global
             CASH_DEPOSIT = new PaymentMethod(CASH_DEPOSIT_ID, 4 * DAY, DEFAULT_TRADE_LIMIT_HIGH_RISK, getAssetCodes(CashDepositAccount.SUPPORTED_CURRENCIES)),
-            PAY_BY_MAIL = new PaymentMethod(PAY_BY_MAIL_ID, 8 * DAY, DEFAULT_TRADE_LIMIT_HIGH_RISK, getAssetCodes(PayByMailAccount.SUPPORTED_CURRENCIES)),
+            PAY_BY_MAIL = new PaymentMethod(PAY_BY_MAIL_ID, 8 * DAY, DEFAULT_TRADE_LIMIT_LOW_RISK, getAssetCodes(PayByMailAccount.SUPPORTED_CURRENCIES)),
             CASH_AT_ATM = new PaymentMethod(CASH_AT_ATM_ID, 4 * DAY, DEFAULT_TRADE_LIMIT_HIGH_RISK, getAssetCodes(CashAtAtmAccount.SUPPORTED_CURRENCIES)),
             MONEY_GRAM = new PaymentMethod(MONEY_GRAM_ID, 4 * DAY, DEFAULT_TRADE_LIMIT_MID_RISK, getAssetCodes(MoneyGramAccount.SUPPORTED_CURRENCIES)),
             WESTERN_UNION = new PaymentMethod(WESTERN_UNION_ID, 4 * DAY, DEFAULT_TRADE_LIMIT_MID_RISK, getAssetCodes(WesternUnionAccount.SUPPORTED_CURRENCIES)),
@@ -342,10 +337,10 @@ public final class PaymentMethod implements PersistablePayload, Comparable<Payme
             PROMPT_PAY = new PaymentMethod(PROMPT_PAY_ID, DAY, DEFAULT_TRADE_LIMIT_LOW_RISK, getAssetCodes(PromptPayAccount.SUPPORTED_CURRENCIES)),
 
             // Cryptos
-            BLOCK_CHAINS = new PaymentMethod(BLOCK_CHAINS_ID, DAY, DEFAULT_TRADE_LIMIT_VERY_LOW_RISK, Arrays.asList()),
+            BLOCK_CHAINS = new PaymentMethod(BLOCK_CHAINS_ID, DAY, DEFAULT_TRADE_LIMIT_CRYPTO, Arrays.asList()),
             
             // Cryptos with 1 hour trade period
-            BLOCK_CHAINS_INSTANT = new PaymentMethod(BLOCK_CHAINS_INSTANT_ID, TimeUnit.HOURS.toMillis(1), DEFAULT_TRADE_LIMIT_VERY_LOW_RISK, Arrays.asList())
+            BLOCK_CHAINS_INSTANT = new PaymentMethod(BLOCK_CHAINS_INSTANT_ID, TimeUnit.HOURS.toMillis(1), DEFAULT_TRADE_LIMIT_CRYPTO, Arrays.asList())
     );
 
     // TODO: delete this override method, which overrides the paymentMethods variable, when all payment methods supported using structured form api, and make paymentMethods private
@@ -497,17 +492,21 @@ public final class PaymentMethod implements PersistablePayload, Comparable<Payme
         }
 
         // We use the class field maxTradeLimit only for mapping the risk factor.
+        // The actual trade limit is calculated by dividing TradeLimits.MAX_TRADE_LIMIT by the
+        // risk factor, and then further decreasing by chargeback risk, account signing, and age.
         long riskFactor;
-        if (maxTradeLimit == DEFAULT_TRADE_LIMIT_VERY_LOW_RISK.longValueExact())
+        if (maxTradeLimit == DEFAULT_TRADE_LIMIT_CRYPTO.longValueExact())
             riskFactor = 1;
-        else if (maxTradeLimit == DEFAULT_TRADE_LIMIT_LOW_RISK.longValueExact())
-            riskFactor = 2;
-        else if (maxTradeLimit == DEFAULT_TRADE_LIMIT_MID_RISK.longValueExact())
+        else if (maxTradeLimit == DEFAULT_TRADE_LIMIT_VERY_LOW_RISK.longValueExact())
             riskFactor = 4;
+        else if (maxTradeLimit == DEFAULT_TRADE_LIMIT_LOW_RISK.longValueExact())
+            riskFactor = 11;
+        else if (maxTradeLimit == DEFAULT_TRADE_LIMIT_MID_RISK.longValueExact())
+            riskFactor = 22;
         else if (maxTradeLimit == DEFAULT_TRADE_LIMIT_HIGH_RISK.longValueExact())
-            riskFactor = 8;
+            riskFactor = 44;
         else {
-            riskFactor = 8;
+            riskFactor = 44;
             log.warn("maxTradeLimit is not matching one of our default values. We use highest risk factor. " +
                             "maxTradeLimit={}. PaymentMethod={}", maxTradeLimit, this);
         }

core/src/main/java/haveno/core/payment/validation/SecurityDepositValidator.java

@@ -59,7 +59,7 @@ public class SecurityDepositValidator extends NumberValidator {
     private ValidationResult validateIfNotTooLowPercentageValue(String input) {
         try {
             double percentage = ParsingUtils.parsePercentStringToDouble(input);
-            double minPercentage = Restrictions.getMinBuyerSecurityDepositAsPercent();
+            double minPercentage = Restrictions.getMinSecurityDepositAsPercent();
             if (percentage < minPercentage)
                 return new ValidationResult(false,
                         Res.get("validation.inputTooSmall", FormattingUtils.formatToPercentWithSymbol(minPercentage)));
@@ -73,7 +73,7 @@ public class SecurityDepositValidator extends NumberValidator {
     private ValidationResult validateIfNotTooHighPercentageValue(String input) {
         try {
             double percentage = ParsingUtils.parsePercentStringToDouble(input);
-            double maxPercentage = Restrictions.getMaxBuyerSecurityDepositAsPercent();
+            double maxPercentage = Restrictions.getMaxSecurityDepositAsPercent();
             if (percentage > maxPercentage)
                 return new ValidationResult(false,
                         Res.get("validation.inputTooLarge", FormattingUtils.formatToPercentWithSymbol(maxPercentage)));

core/src/main/java/haveno/core/trade/ArbitratorTrade.java

@@ -28,6 +28,8 @@ import lombok.extern.slf4j.Slf4j;
 import java.math.BigInteger;
 import java.util.UUID;
 
+import javax.annotation.Nullable;
+
 /**
  * Trade in the context of an arbitrator.
  */
@@ -42,8 +44,9 @@ public class ArbitratorTrade extends Trade {
           String uid,
           NodeAddress makerNodeAddress,
           NodeAddress takerNodeAddress,
-          NodeAddress arbitratorNodeAddress) {
-    super(offer, tradeAmount, tradePrice, xmrWalletService, processModel, uid, makerNodeAddress, takerNodeAddress, arbitratorNodeAddress);
+          NodeAddress arbitratorNodeAddress,
+          @Nullable String challenge) {
+    super(offer, tradeAmount, tradePrice, xmrWalletService, processModel, uid, makerNodeAddress, takerNodeAddress, arbitratorNodeAddress, challenge);
   }
 
   @Override
@@ -81,7 +84,8 @@ public class ArbitratorTrade extends Trade {
                       uid,
                       proto.getProcessModel().getMaker().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getMaker().getNodeAddress()) : null,
                       proto.getProcessModel().getTaker().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getTaker().getNodeAddress()) : null,
-                      proto.getProcessModel().getArbitrator().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getArbitrator().getNodeAddress()) : null),
+                      proto.getProcessModel().getArbitrator().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getArbitrator().getNodeAddress()) : null,
+                      ProtoUtil.stringOrNullFromProto(proto.getChallenge())),
               proto,
               coreProtoResolver);
   }

core/src/main/java/haveno/core/trade/BuyerAsMakerTrade.java

@@ -28,6 +28,8 @@ import lombok.extern.slf4j.Slf4j;
 import java.math.BigInteger;
 import java.util.UUID;
 
+import javax.annotation.Nullable;
+
 @Slf4j
 public final class BuyerAsMakerTrade extends BuyerTrade implements MakerTrade {
 
@@ -43,7 +45,8 @@ public final class BuyerAsMakerTrade extends BuyerTrade implements MakerTrade {
                              String uid,
                              NodeAddress makerNodeAddress,
                              NodeAddress takerNodeAddress,
-                             NodeAddress arbitratorNodeAddress) {
+                             NodeAddress arbitratorNodeAddress,
+                             @Nullable String challenge) {
         super(offer,
                 tradeAmount,
                 tradePrice,
@@ -52,7 +55,8 @@ public final class BuyerAsMakerTrade extends BuyerTrade implements MakerTrade {
                 uid,
                 makerNodeAddress,
                 takerNodeAddress,
-                arbitratorNodeAddress);
+                arbitratorNodeAddress,
+                challenge);
     }
 
     ///////////////////////////////////////////////////////////////////////////////////////////
@@ -85,7 +89,8 @@ public final class BuyerAsMakerTrade extends BuyerTrade implements MakerTrade {
                 uid,
                 proto.getProcessModel().getMaker().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getMaker().getNodeAddress()) : null,
                 proto.getProcessModel().getTaker().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getTaker().getNodeAddress()) : null,
-                proto.getProcessModel().getArbitrator().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getArbitrator().getNodeAddress()) : null);
+                proto.getProcessModel().getArbitrator().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getArbitrator().getNodeAddress()) : null,
+                ProtoUtil.stringOrNullFromProto(proto.getChallenge()));
 
         trade.setPrice(proto.getPrice());
 

core/src/main/java/haveno/core/trade/BuyerAsTakerTrade.java

@@ -44,7 +44,8 @@ public final class BuyerAsTakerTrade extends BuyerTrade implements TakerTrade {
                              String uid,
                              @Nullable NodeAddress makerNodeAddress,
                              @Nullable NodeAddress takerNodeAddress,
-                             @Nullable NodeAddress arbitratorNodeAddress) {
+                             @Nullable NodeAddress arbitratorNodeAddress,
+                             @Nullable String challenge) {
         super(offer,
                 tradeAmount,
                 tradePrice,
@@ -53,7 +54,8 @@ public final class BuyerAsTakerTrade extends BuyerTrade implements TakerTrade {
                 uid,
                 makerNodeAddress,
                 takerNodeAddress,
-                arbitratorNodeAddress);
+                arbitratorNodeAddress,
+                challenge);
     }
 
 
@@ -87,7 +89,8 @@ public final class BuyerAsTakerTrade extends BuyerTrade implements TakerTrade {
                         uid,
                         proto.getProcessModel().getMaker().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getMaker().getNodeAddress()) : null,
                         proto.getProcessModel().getTaker().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getTaker().getNodeAddress()) : null,
-                        proto.getProcessModel().getArbitrator().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getArbitrator().getNodeAddress()) : null),
+                        proto.getProcessModel().getArbitrator().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getArbitrator().getNodeAddress()) : null,
+                        ProtoUtil.stringOrNullFromProto(proto.getChallenge())),
                 proto,
                 coreProtoResolver);
     }

core/src/main/java/haveno/core/trade/BuyerTrade.java

@@ -38,7 +38,8 @@ public abstract class BuyerTrade extends Trade {
                String uid,
                @Nullable NodeAddress takerNodeAddress,
                @Nullable NodeAddress makerNodeAddress,
-               @Nullable NodeAddress arbitratorNodeAddress) {
+               @Nullable NodeAddress arbitratorNodeAddress,
+               @Nullable String challenge) {
         super(offer,
                 tradeAmount,
                 tradePrice,
@@ -47,7 +48,8 @@ public abstract class BuyerTrade extends Trade {
                 uid,
                 takerNodeAddress,
                 makerNodeAddress,
-                arbitratorNodeAddress);
+                arbitratorNodeAddress,
+                challenge);
     }
 
     @Override

core/src/main/java/haveno/core/trade/Contract.java

@@ -36,6 +36,7 @@ package haveno.core.trade;
 
 import com.google.protobuf.ByteString;
 import haveno.common.crypto.PubKeyRing;
+import haveno.common.proto.ProtoUtil;
 import haveno.common.proto.network.NetworkPayload;
 import haveno.common.util.JsonExclude;
 import haveno.common.util.Utilities;
@@ -53,6 +54,7 @@ import org.apache.commons.lang3.StringUtils;
 
 import javax.annotation.Nullable;
 import java.math.BigInteger;
+import java.util.Optional;
 
 import static com.google.common.base.Preconditions.checkArgument;
 
@@ -79,6 +81,7 @@ public final class Contract implements NetworkPayload {
     private final String makerPayoutAddressString;
     private final String takerPayoutAddressString;
     private final String makerDepositTxHash;
+    @Nullable
     private final String takerDepositTxHash;
 
     public Contract(OfferPayload offerPayload,
@@ -99,7 +102,7 @@ public final class Contract implements NetworkPayload {
                     String makerPayoutAddressString,
                     String takerPayoutAddressString,
                     String makerDepositTxHash,
-                    String takerDepositTxHash) {
+                    @Nullable String takerDepositTxHash) {
         this.offerPayload = offerPayload;
         this.tradeAmount = tradeAmount;
         this.tradePrice = tradePrice;
@@ -134,6 +137,31 @@ public final class Contract implements NetworkPayload {
     // PROTO BUFFER
     ///////////////////////////////////////////////////////////////////////////////////////////
 
+    @Override
+    public protobuf.Contract toProtoMessage() {
+        protobuf.Contract.Builder builder = protobuf.Contract.newBuilder()
+                .setOfferPayload(offerPayload.toProtoMessage().getOfferPayload())
+                .setTradeAmount(tradeAmount)
+                .setTradePrice(tradePrice)
+                .setBuyerNodeAddress(buyerNodeAddress.toProtoMessage())
+                .setSellerNodeAddress(sellerNodeAddress.toProtoMessage())
+                .setArbitratorNodeAddress(arbitratorNodeAddress.toProtoMessage())
+                .setIsBuyerMakerAndSellerTaker(isBuyerMakerAndSellerTaker)
+                .setMakerAccountId(makerAccountId)
+                .setTakerAccountId(takerAccountId)
+                .setMakerPaymentMethodId(makerPaymentMethodId)
+                .setTakerPaymentMethodId(takerPaymentMethodId)
+                .setMakerPaymentAccountPayloadHash(ByteString.copyFrom(makerPaymentAccountPayloadHash))
+                .setTakerPaymentAccountPayloadHash(ByteString.copyFrom(takerPaymentAccountPayloadHash))
+                .setMakerPubKeyRing(makerPubKeyRing.toProtoMessage())
+                .setTakerPubKeyRing(takerPubKeyRing.toProtoMessage())
+                .setMakerPayoutAddressString(makerPayoutAddressString)
+                .setTakerPayoutAddressString(takerPayoutAddressString)
+                .setMakerDepositTxHash(makerDepositTxHash);
+        Optional.ofNullable(takerDepositTxHash).ifPresent(builder::setTakerDepositTxHash);
+        return builder.build();
+    }
+
     public static Contract fromProto(protobuf.Contract proto, CoreProtoResolver coreProtoResolver) {
         return new Contract(OfferPayload.fromProto(proto.getOfferPayload()),
                 proto.getTradeAmount(),
@@ -153,32 +181,7 @@ public final class Contract implements NetworkPayload {
                 proto.getMakerPayoutAddressString(),
                 proto.getTakerPayoutAddressString(),
                 proto.getMakerDepositTxHash(),
-                proto.getTakerDepositTxHash());
-    }
-
-    @Override
-    public protobuf.Contract toProtoMessage() {
-        return protobuf.Contract.newBuilder()
-                .setOfferPayload(offerPayload.toProtoMessage().getOfferPayload())
-                .setTradeAmount(tradeAmount)
-                .setTradePrice(tradePrice)
-                .setBuyerNodeAddress(buyerNodeAddress.toProtoMessage())
-                .setSellerNodeAddress(sellerNodeAddress.toProtoMessage())
-                .setArbitratorNodeAddress(arbitratorNodeAddress.toProtoMessage())
-                .setIsBuyerMakerAndSellerTaker(isBuyerMakerAndSellerTaker)
-                .setMakerAccountId(makerAccountId)
-                .setTakerAccountId(takerAccountId)
-                .setMakerPaymentMethodId(makerPaymentMethodId)
-                .setTakerPaymentMethodId(takerPaymentMethodId)
-                .setMakerPaymentAccountPayloadHash(ByteString.copyFrom(makerPaymentAccountPayloadHash))
-                .setTakerPaymentAccountPayloadHash(ByteString.copyFrom(takerPaymentAccountPayloadHash))
-                .setMakerPubKeyRing(makerPubKeyRing.toProtoMessage())
-                .setTakerPubKeyRing(takerPubKeyRing.toProtoMessage())
-                .setMakerPayoutAddressString(makerPayoutAddressString)
-                .setTakerPayoutAddressString(takerPayoutAddressString)
-                .setMakerDepositTxHash(makerDepositTxHash)
-                .setTakerDepositTxHash(takerDepositTxHash)
-                .build();
+                ProtoUtil.stringOrNullFromProto(proto.getTakerDepositTxHash()));
     }
 
 

core/src/main/java/haveno/core/trade/HavenoUtils.java

@@ -28,6 +28,7 @@ import haveno.common.crypto.KeyRing;
 import haveno.common.crypto.PubKeyRing;
 import haveno.common.crypto.Sig;
 import haveno.common.file.FileUtil;
+import haveno.common.util.Base64;
 import haveno.common.util.Utilities;
 import haveno.core.api.CoreNotificationService;
 import haveno.core.api.XmrConnectionService;
@@ -48,7 +49,10 @@ import java.math.BigDecimal;
 import java.math.BigInteger;
 import java.net.InetAddress;
 import java.net.URI;
+import java.nio.charset.StandardCharsets;
+import java.nio.file.Files;
 import java.security.PrivateKey;
+import java.security.SecureRandom;
 import java.text.DecimalFormat;
 import java.text.DecimalFormatSymbols;
 import java.text.SimpleDateFormat;
@@ -87,13 +91,15 @@ public class HavenoUtils {
 
     // configure fees
     public static final boolean ARBITRATOR_ASSIGNS_TRADE_FEE_ADDRESS = true;
+    public static final double PENALTY_FEE_PCT = 0.02; // 2%
     public static final double MAKER_FEE_PCT = 0.0015; // 0.15%
     public static final double TAKER_FEE_PCT = 0.0075; // 0.75%
-    public static final double PENALTY_FEE_PCT = 0.02; // 2%
+    public static final double MAKER_FEE_FOR_TAKER_WITHOUT_DEPOSIT_PCT = MAKER_FEE_PCT + TAKER_FEE_PCT; // customize maker's fee when no deposit or fee from taker
 
     // other configuration
     public static final long LOG_POLL_ERROR_PERIOD_MS = 1000 * 60 * 4; // log poll errors up to once every 4 minutes
     public static final long LOG_DAEMON_NOT_SYNCED_WARN_PERIOD_MS = 1000 * 30; // log warnings when daemon not synced once every 30s
+    public static final int PRIVATE_OFFER_PASSPHRASE_NUM_WORDS = 8; // number of words in a private offer passphrase
 
     // synchronize requests to the daemon
     private static boolean SYNC_DAEMON_REQUESTS = false; // sync long requests to daemon (e.g. refresh, update pool) // TODO: performance suffers by syncing daemon requests, but otherwise we sometimes get sporadic errors?
@@ -286,6 +292,41 @@ public class HavenoUtils {
 
     // ------------------------ SIGNING AND VERIFYING -------------------------
 
+    public static String generateChallenge() {
+        try {
+
+            // load bip39 words
+            String fileName = "bip39_english.txt";
+            File bip39File = new File(havenoSetup.getConfig().appDataDir, fileName);
+            if (!bip39File.exists()) FileUtil.resourceToFile(fileName, bip39File);
+            List<String> bip39Words = Files.readAllLines(bip39File.toPath(), StandardCharsets.UTF_8);
+
+            // select words randomly
+            List<String> passphraseWords = new ArrayList<String>();
+            SecureRandom secureRandom = new SecureRandom();
+            for (int i = 0; i < PRIVATE_OFFER_PASSPHRASE_NUM_WORDS; i++) {
+                passphraseWords.add(bip39Words.get(secureRandom.nextInt(bip39Words.size())));
+            }
+            return String.join(" ", passphraseWords);
+        } catch (Exception e) {
+            throw new IllegalStateException("Failed to generate challenge", e);
+        }
+    }
+
+    public static String getChallengeHash(String challenge) {
+        if (challenge == null) return null;
+
+        // tokenize passphrase
+        String[] words = challenge.toLowerCase().split(" ");
+
+        // collect first 4 letters of each word, which are unique in bip39
+        List<String> prefixes = new ArrayList<String>();
+        for (String word : words) prefixes.add(word.substring(0, Math.min(word.length(), 4)));
+
+        // hash the result
+        return Base64.encode(Hash.getSha256Hash(String.join(" ", prefixes).getBytes()));
+    }
+
     public static byte[] sign(KeyRing keyRing, String message) {
         return sign(keyRing.getSignatureKeyPair().getPrivate(), message);
     }

core/src/main/java/haveno/core/trade/SellerAsMakerTrade.java

@@ -44,7 +44,8 @@ public final class SellerAsMakerTrade extends SellerTrade implements MakerTrade
                               String uid,
                               @Nullable NodeAddress makerNodeAddress,
                               @Nullable NodeAddress takerNodeAddress,
-                              @Nullable NodeAddress arbitratorNodeAddress) {
+                              @Nullable NodeAddress arbitratorNodeAddress,
+                              @Nullable String challenge) {
         super(offer,
                 tradeAmount,
                 tradePrice,
@@ -53,7 +54,8 @@ public final class SellerAsMakerTrade extends SellerTrade implements MakerTrade
                 uid,
                 makerNodeAddress,
                 takerNodeAddress,
-                arbitratorNodeAddress);
+                arbitratorNodeAddress,
+                challenge);
     }
 
 
@@ -87,7 +89,8 @@ public final class SellerAsMakerTrade extends SellerTrade implements MakerTrade
                 uid,
                 proto.getProcessModel().getMaker().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getMaker().getNodeAddress()) : null,
                 proto.getProcessModel().getTaker().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getTaker().getNodeAddress()) : null,
-                proto.getProcessModel().getArbitrator().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getArbitrator().getNodeAddress()) : null);
+                proto.getProcessModel().getArbitrator().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getArbitrator().getNodeAddress()) : null,
+                ProtoUtil.stringOrNullFromProto(proto.getChallenge()));
 
         trade.setPrice(proto.getPrice());
 

core/src/main/java/haveno/core/trade/SellerAsTakerTrade.java

@@ -44,7 +44,8 @@ public final class SellerAsTakerTrade extends SellerTrade implements TakerTrade
                               String uid,
                               @Nullable NodeAddress makerNodeAddress,
                               @Nullable NodeAddress takerNodeAddress,
-                              @Nullable NodeAddress arbitratorNodeAddress) {
+                              @Nullable NodeAddress arbitratorNodeAddress,
+                              @Nullable String challenge) {
         super(offer,
                 tradeAmount,
                 tradePrice,
@@ -53,7 +54,8 @@ public final class SellerAsTakerTrade extends SellerTrade implements TakerTrade
                 uid,
                 makerNodeAddress,
                 takerNodeAddress,
-                arbitratorNodeAddress);
+                arbitratorNodeAddress,
+                challenge);
     }
 
 
@@ -87,7 +89,8 @@ public final class SellerAsTakerTrade extends SellerTrade implements TakerTrade
                         uid,
                         proto.getProcessModel().getMaker().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getMaker().getNodeAddress()) : null,
                         proto.getProcessModel().getTaker().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getTaker().getNodeAddress()) : null,
-                        proto.getProcessModel().getArbitrator().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getArbitrator().getNodeAddress()) : null),
+                        proto.getProcessModel().getArbitrator().hasNodeAddress() ? NodeAddress.fromProto(proto.getProcessModel().getArbitrator().getNodeAddress()) : null,
+                        ProtoUtil.stringOrNullFromProto(proto.getChallenge())),
                 proto,
                 coreProtoResolver);
     }

core/src/main/java/haveno/core/trade/SellerTrade.java

@@ -36,7 +36,8 @@ public abstract class SellerTrade extends Trade {
                 String uid,
                 @Nullable NodeAddress makerNodeAddress,
                 @Nullable NodeAddress takerNodeAddress,
-                @Nullable NodeAddress arbitratorNodeAddress) {
+                @Nullable NodeAddress arbitratorNodeAddress,
+                @Nullable String challenge) {
         super(offer,
                 tradeAmount,
                 tradePrice,
@@ -45,7 +46,8 @@ public abstract class SellerTrade extends Trade {
                 uid,
                 makerNodeAddress,
                 takerNodeAddress,
-                arbitratorNodeAddress);
+                arbitratorNodeAddress,
+                challenge);
     }
 
     @Override

core/src/main/java/haveno/core/trade/Trade.java

@@ -486,6 +486,8 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
     private IdlePayoutSyncer idlePayoutSyncer;
     @Getter
     private boolean isCompleted;
+    @Getter
+    private final String challenge;
 
     ///////////////////////////////////////////////////////////////////////////////////////////
     // Constructors
@@ -500,7 +502,8 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
                     String uid,
                     @Nullable NodeAddress makerNodeAddress,
                     @Nullable NodeAddress takerNodeAddress,
-                    @Nullable NodeAddress arbitratorNodeAddress) {
+                    @Nullable NodeAddress arbitratorNodeAddress,
+                    @Nullable String challenge) {
         super();
         this.offer = offer;
         this.amount = tradeAmount.longValueExact();
@@ -511,6 +514,7 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
         this.uid = uid;
         this.takeOfferDate = new Date().getTime();
         this.tradeListeners = new ArrayList<TradeListener>();
+        this.challenge = challenge;
 
         getMaker().setNodeAddress(makerNodeAddress);
         getTaker().setNodeAddress(takerNodeAddress);
@@ -534,7 +538,8 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
                     String uid,
                     @Nullable NodeAddress makerNodeAddress,
                     @Nullable NodeAddress takerNodeAddress,
-                    @Nullable NodeAddress arbitratorNodeAddress) {
+                    @Nullable NodeAddress arbitratorNodeAddress,
+                    @Nullable String challenge) {
 
         this(offer,
                 tradeAmount,
@@ -544,7 +549,8 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
                 uid,
                 makerNodeAddress,
                 takerNodeAddress,
-                arbitratorNodeAddress);
+                arbitratorNodeAddress,
+                challenge);
     }
 
     // TODO: remove these constructors
@@ -559,7 +565,8 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
                     NodeAddress arbitratorNodeAddress,
                     XmrWalletService xmrWalletService,
                     ProcessModel processModel,
-                    String uid) {
+                    String uid,
+                    @Nullable String challenge) {
 
       this(offer,
               tradeAmount,
@@ -569,7 +576,8 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
               uid,
               makerNodeAddress,
               takerNodeAddress,
-              arbitratorNodeAddress);
+              arbitratorNodeAddress,
+              challenge);
 
         setAmount(tradeAmount);
     }
@@ -1233,7 +1241,7 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
         Preconditions.checkNotNull(sellerPayoutAddress, "Seller payout address must not be null");
         Preconditions.checkNotNull(buyerPayoutAddress, "Buyer payout address must not be null");
         BigInteger sellerDepositAmount = getSeller().getDepositTx().getIncomingAmount();
-        BigInteger buyerDepositAmount = getBuyer().getDepositTx().getIncomingAmount();
+        BigInteger buyerDepositAmount = hasBuyerAsTakerWithoutDeposit() ? BigInteger.ZERO : getBuyer().getDepositTx().getIncomingAmount();
         BigInteger tradeAmount = getAmount();
         BigInteger buyerPayoutAmount = buyerDepositAmount.add(tradeAmount);
         BigInteger sellerPayoutAmount = sellerDepositAmount.subtract(tradeAmount);
@@ -1324,7 +1332,7 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
         MoneroWallet wallet = getWallet();
         Contract contract = getContract();
         BigInteger sellerDepositAmount = getSeller().getDepositTx().getIncomingAmount();
-        BigInteger buyerDepositAmount = getBuyer().getDepositTx().getIncomingAmount();
+        BigInteger buyerDepositAmount = hasBuyerAsTakerWithoutDeposit() ? BigInteger.ZERO : getBuyer().getDepositTx().getIncomingAmount();
         BigInteger tradeAmount = getAmount();
 
         // describe payout tx
@@ -2091,9 +2099,9 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
         final long tradeTime = getTakeOfferDate().getTime();
         MoneroDaemon daemonRpc = xmrWalletService.getDaemon();
         if (daemonRpc == null) throw new RuntimeException("Cannot set start time for trade " + getId() + " because it has no connection to monerod");
-        if (getMakerDepositTx() == null || getTakerDepositTx() == null) throw new RuntimeException("Cannot set start time for trade " + getId() + " because its unlocked deposit tx is null. Is client connected to a daemon?");
+        if (getMakerDepositTx() == null || (getTakerDepositTx() == null && !hasBuyerAsTakerWithoutDeposit())) throw new RuntimeException("Cannot set start time for trade " + getId() + " because its unlocked deposit tx is null. Is client connected to a daemon?");
 
-        long maxHeight = Math.max(getMakerDepositTx().getHeight(), getTakerDepositTx().getHeight());
+        long maxHeight = Math.max(getMakerDepositTx().getHeight(), hasBuyerAsTakerWithoutDeposit() ? 0l : getTakerDepositTx().getHeight());
         long blockTime = daemonRpc.getBlockByHeight(maxHeight).getTimestamp();
 
         // If block date is in future (Date in blocks can be off by +/- 2 hours) we use our current date.
@@ -2125,7 +2133,7 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
 
     public boolean isDepositsPublished() {
         if (isDepositFailed()) return false;
-        return getState().getPhase().ordinal() >= Phase.DEPOSITS_PUBLISHED.ordinal() && getMaker().getDepositTxHash() != null && getTaker().getDepositTxHash() != null;
+        return getState().getPhase().ordinal() >= Phase.DEPOSITS_PUBLISHED.ordinal() && getMaker().getDepositTxHash() != null && (getTaker().getDepositTxHash() != null || hasBuyerAsTakerWithoutDeposit());
     }
 
     public boolean isFundsLockedIn() {
@@ -2277,7 +2285,11 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
     }
 
     public BigInteger getTakerFee() {
-        return offer.getTakerFee(getAmount());
+        return hasBuyerAsTakerWithoutDeposit() ? BigInteger.ZERO : offer.getTakerFee(getAmount());
+    }
+
+    public BigInteger getSecurityDepositBeforeMiningFee() {
+        return isBuyer() ? getBuyerSecurityDepositBeforeMiningFee() : getSellerSecurityDepositBeforeMiningFee();
     }
 
     public BigInteger getBuyerSecurityDepositBeforeMiningFee() {
@@ -2288,6 +2300,14 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
         return offer.getOfferPayload().getSellerSecurityDepositForTradeAmount(getAmount());
     }
 
+    public boolean isBuyerAsTakerWithoutDeposit() {
+        return isBuyer() && isTaker() && BigInteger.ZERO.equals(getBuyerSecurityDepositBeforeMiningFee());
+    }
+
+    public boolean hasBuyerAsTakerWithoutDeposit() {
+        return getBuyer() == getTaker() && BigInteger.ZERO.equals(getBuyerSecurityDepositBeforeMiningFee());
+    }
+
     @Override
     public BigInteger getTotalTxFee() {
         return getSelf().getDepositTxFee().add(getSelf().getPayoutTxFee()); // sum my tx fees
@@ -2303,7 +2323,7 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
     }
 
     public boolean isTxChainInvalid() {
-        return processModel.getMaker().getDepositTxHash() == null || processModel.getTaker().getDepositTxHash() == null;
+        return processModel.getMaker().getDepositTxHash() == null || (processModel.getTaker().getDepositTxHash() == null && !hasBuyerAsTakerWithoutDeposit());
     }
 
     /**
@@ -2537,7 +2557,7 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
             if (isPayoutUnlocked()) return;
 
             // skip if deposit txs unknown or not requested
-            if (processModel.getMaker().getDepositTxHash() == null || processModel.getTaker().getDepositTxHash() == null || !isDepositRequested()) return;
+            if (!isDepositRequested() || processModel.getMaker().getDepositTxHash() == null || (processModel.getTaker().getDepositTxHash() == null && !hasBuyerAsTakerWithoutDeposit())) return;
 
             // skip if daemon not synced
             if (xmrConnectionService.getTargetHeight() == null || !xmrConnectionService.isSyncedWithinTolerance()) return;
@@ -2553,7 +2573,7 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
 
                 // get txs from trade wallet
                 MoneroTxQuery query = new MoneroTxQuery().setIncludeOutputs(true);
-                Boolean updatePool = !isDepositsConfirmed() && (getMaker().getDepositTx() == null || getTaker().getDepositTx() == null);
+                Boolean updatePool = !isDepositsConfirmed() && (getMaker().getDepositTx() == null || (getTaker().getDepositTx() == null && hasBuyerAsTakerWithoutDeposit()));
                 if (!updatePool) query.setInTxPool(false); // avoid updating from pool if possible
                 List<MoneroTxWallet> txs;
                 if (!updatePool) txs = wallet.getTxs(query);
@@ -2565,22 +2585,22 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
                     }
                 }
                 setDepositTxs(txs);
-                if (getMaker().getDepositTx() == null || getTaker().getDepositTx() == null) return; // skip if either deposit tx not seen
+                if (getMaker().getDepositTx() == null || (getTaker().getDepositTx() == null && !hasBuyerAsTakerWithoutDeposit())) return; // skip if either deposit tx not seen
                 setStateDepositsSeen();
 
                 // set actual security deposits
                 if (getBuyer().getSecurityDeposit().longValueExact() == 0) {
-                    BigInteger buyerSecurityDeposit = ((MoneroTxWallet) getBuyer().getDepositTx()).getIncomingAmount();
+                    BigInteger buyerSecurityDeposit = hasBuyerAsTakerWithoutDeposit() ? BigInteger.ZERO : ((MoneroTxWallet) getBuyer().getDepositTx()).getIncomingAmount();
                     BigInteger sellerSecurityDeposit = ((MoneroTxWallet) getSeller().getDepositTx()).getIncomingAmount().subtract(getAmount());
                     getBuyer().setSecurityDeposit(buyerSecurityDeposit);
                     getSeller().setSecurityDeposit(sellerSecurityDeposit);
                 }
 
                 // check for deposit txs confirmation
-                if (getMaker().getDepositTx().isConfirmed() && getTaker().getDepositTx().isConfirmed()) setStateDepositsConfirmed();
+                if (getMaker().getDepositTx().isConfirmed() && (hasBuyerAsTakerWithoutDeposit() || getTaker().getDepositTx().isConfirmed())) setStateDepositsConfirmed();
 
                 // check for deposit txs unlocked
-                if (getMaker().getDepositTx().getNumConfirmations() >= XmrWalletService.NUM_BLOCKS_UNLOCK && getTaker().getDepositTx().getNumConfirmations() >= XmrWalletService.NUM_BLOCKS_UNLOCK) {
+                if (getMaker().getDepositTx().getNumConfirmations() >= XmrWalletService.NUM_BLOCKS_UNLOCK && (hasBuyerAsTakerWithoutDeposit() || getTaker().getDepositTx().getNumConfirmations() >= XmrWalletService.NUM_BLOCKS_UNLOCK)) {
                     setStateDepositsUnlocked();
                 }
             }
@@ -2750,7 +2770,7 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
                 log.warn("Missing maker deposit tx for {} {}", getClass().getSimpleName(), getId());
                 return true;
             }
-            if (getTakerDepositTx() == null) {
+            if (getTakerDepositTx() == null && !hasBuyerAsTakerWithoutDeposit()) {
                 log.warn("Missing taker deposit tx for {} {}", getClass().getSimpleName(), getId());
                 return true;
             }
@@ -2913,6 +2933,7 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
         Optional.ofNullable(payoutTxHex).ifPresent(e -> builder.setPayoutTxHex(payoutTxHex));
         Optional.ofNullable(payoutTxKey).ifPresent(e -> builder.setPayoutTxKey(payoutTxKey));
         Optional.ofNullable(counterCurrencyExtraData).ifPresent(e -> builder.setCounterCurrencyExtraData(counterCurrencyExtraData));
+        Optional.ofNullable(challenge).ifPresent(e -> builder.setChallenge(challenge));
         return builder.build();
     }
 
@@ -2982,6 +3003,7 @@ public abstract class Trade extends XmrWalletBase implements Tradable, Model {
                 ",\n     refundResultState=" + refundResultState +
                 ",\n     refundResultStateProperty=" + refundResultStateProperty +
                 ",\n     isCompleted=" + isCompleted +
+                ",\n     challenge='" + challenge + '\'' +
                 "\n}";
     }
 }

core/src/main/java/haveno/core/trade/TradeManager.java

@@ -561,6 +561,12 @@ public class TradeManager implements PersistedDataHost, DecryptedDirectMessageLi
             OpenOffer openOffer = openOfferOptional.get();
             if (openOffer.getState() != OpenOffer.State.AVAILABLE) return;
             Offer offer = openOffer.getOffer();
+
+            // validate challenge
+            if (openOffer.getChallenge() != null && !HavenoUtils.getChallengeHash(openOffer.getChallenge()).equals(HavenoUtils.getChallengeHash(request.getChallenge()))) {
+                log.warn("Ignoring InitTradeRequest to maker because challenge is incorrect, tradeId={}, sender={}", request.getOfferId(), sender);
+                return;
+            }
   
             // ensure trade does not already exist
             Optional<Trade> tradeOptional = getOpenTrade(request.getOfferId());
@@ -583,7 +589,8 @@ public class TradeManager implements PersistedDataHost, DecryptedDirectMessageLi
                         UUID.randomUUID().toString(),
                         request.getMakerNodeAddress(),
                         request.getTakerNodeAddress(),
-                        request.getArbitratorNodeAddress());
+                        request.getArbitratorNodeAddress(),
+                        openOffer.getChallenge());
             else
                 trade = new SellerAsMakerTrade(offer,
                         BigInteger.valueOf(request.getTradeAmount()),
@@ -593,7 +600,8 @@ public class TradeManager implements PersistedDataHost, DecryptedDirectMessageLi
                         UUID.randomUUID().toString(),
                         request.getMakerNodeAddress(),
                         request.getTakerNodeAddress(),
-                        request.getArbitratorNodeAddress());
+                        request.getArbitratorNodeAddress(),
+                        openOffer.getChallenge());
             trade.getMaker().setPaymentAccountId(trade.getOffer().getOfferPayload().getMakerPaymentAccountId());
             trade.getTaker().setPaymentAccountId(request.getTakerPaymentAccountId());
             trade.getMaker().setPubKeyRing(trade.getOffer().getPubKeyRing());
@@ -646,6 +654,12 @@ public class TradeManager implements PersistedDataHost, DecryptedDirectMessageLi
                 return;
             }
 
+            // validate challenge hash
+            if (offer.getChallengeHash() != null && !offer.getChallengeHash().equals(HavenoUtils.getChallengeHash(request.getChallenge()))) {
+                log.warn("Ignoring InitTradeRequest to arbitrator because challenge hash is incorrect, tradeId={}, sender={}", request.getOfferId(), sender);
+                return;
+            }
+
             // handle trade
             Trade trade;
             Optional<Trade> tradeOptional = getOpenTrade(offer.getId());
@@ -679,7 +693,8 @@ public class TradeManager implements PersistedDataHost, DecryptedDirectMessageLi
                         UUID.randomUUID().toString(),
                         request.getMakerNodeAddress(),
                         request.getTakerNodeAddress(),
-                        request.getArbitratorNodeAddress());
+                        request.getArbitratorNodeAddress(),
+                        request.getChallenge());
 
                 // set reserve tx hash if available
                 Optional<SignedOffer> signedOfferOptional = openOfferManager.getSignedOfferById(request.getOfferId());
@@ -873,7 +888,8 @@ public class TradeManager implements PersistedDataHost, DecryptedDirectMessageLi
                     UUID.randomUUID().toString(),
                     offer.getMakerNodeAddress(),
                     P2PService.getMyNodeAddress(),
-                    null);
+                    null,
+                    offer.getChallenge());
         } else {
             trade = new BuyerAsTakerTrade(offer,
                     amount,
@@ -883,7 +899,8 @@ public class TradeManager implements PersistedDataHost, DecryptedDirectMessageLi
                     UUID.randomUUID().toString(),
                     offer.getMakerNodeAddress(),
                     P2PService.getMyNodeAddress(),
-                    null);
+                    null,
+                    offer.getChallenge());
         }
         trade.getProcessModel().setUseSavingsWallet(useSavingsWallet);
         trade.getProcessModel().setFundsNeededForTrade(fundsNeededForTrade.longValueExact());
@@ -994,7 +1011,6 @@ public class TradeManager implements PersistedDataHost, DecryptedDirectMessageLi
         if (tradeOptional.isPresent()) {
             Trade trade = tradeOptional.get();
             trade.setDisputeState(disputeState);
-            onTradeCompleted(trade);
             xmrWalletService.resetAddressEntriesForTrade(trade.getId());
             requestPersistence();
         }
@@ -1128,7 +1144,7 @@ public class TradeManager implements PersistedDataHost, DecryptedDirectMessageLi
                                 log.warn("We found a closed trade with locked up funds. " +
                                         "That should never happen. trade ID={} ID={}, state={}, payoutState={}, disputeState={}", trade.getClass().getSimpleName(), trade.getId(), trade.getState(), trade.getPayoutState(), trade.getDisputeState());
                             }
-                        } else {
+                        } else if (!trade.hasBuyerAsTakerWithoutDeposit()) {
                             log.warn("Closed trade with locked up funds missing taker deposit tx. {} ID={}, state={}, payoutState={}, disputeState={}", trade.getClass().getSimpleName(), trade.getId(), trade.getState(), trade.getPayoutState(), trade.getDisputeState());
                             tradeTxException.set(new TradeTxException(Res.get("error.closedTradeWithNoDepositTx", trade.getShortId())));
                         }

core/src/main/java/haveno/core/trade/messages/DepositRequest.java

@@ -33,7 +33,9 @@ import java.util.Optional;
 public final class DepositRequest extends TradeMessage implements DirectMessage {
     private final long currentDate;
     private final byte[] contractSignature;
+    @Nullable
     private final String depositTxHex;
+    @Nullable
     private final String depositTxKey;
     @Nullable
     private final byte[] paymentAccountKey;
@@ -43,8 +45,8 @@ public final class DepositRequest extends TradeMessage implements DirectMessage
                                      String messageVersion,
                                      long currentDate,
                                      byte[] contractSignature,
-                                     String depositTxHex,
-                                     String depositTxKey,
+                                     @Nullable String depositTxHex,
+                                     @Nullable String depositTxKey,
                                      @Nullable byte[] paymentAccountKey) {
         super(messageVersion, tradeId, uid);
         this.currentDate = currentDate;
@@ -63,13 +65,12 @@ public final class DepositRequest extends TradeMessage implements DirectMessage
     public protobuf.NetworkEnvelope toProtoNetworkEnvelope() {
         protobuf.DepositRequest.Builder builder = protobuf.DepositRequest.newBuilder()
                 .setTradeId(offerId)
-                .setUid(uid)
-                .setDepositTxHex(depositTxHex)
-                .setDepositTxKey(depositTxKey);
+                .setUid(uid);
         builder.setCurrentDate(currentDate);
         Optional.ofNullable(paymentAccountKey).ifPresent(e -> builder.setPaymentAccountKey(ByteString.copyFrom(e)));
+        Optional.ofNullable(depositTxHex).ifPresent(builder::setDepositTxHex);
+        Optional.ofNullable(depositTxKey).ifPresent(builder::setDepositTxKey);
         Optional.ofNullable(contractSignature).ifPresent(e -> builder.setContractSignature(ByteString.copyFrom(e)));
-
         return getNetworkEnvelopeBuilder().setDepositRequest(builder).build();
     }
 
@@ -81,8 +82,8 @@ public final class DepositRequest extends TradeMessage implements DirectMessage
                 messageVersion,
                 proto.getCurrentDate(),
                 ProtoUtil.byteArrayOrNullFromProto(proto.getContractSignature()),
-                proto.getDepositTxHex(),
-                proto.getDepositTxKey(),
+                ProtoUtil.stringOrNullFromProto(proto.getDepositTxHex()),
+                ProtoUtil.stringOrNullFromProto(proto.getDepositTxKey()),
                 ProtoUtil.byteArrayOrNullFromProto(proto.getPaymentAccountKey()));
     }
 

core/src/main/java/haveno/core/trade/messages/InitTradeRequest.java

@@ -58,6 +58,8 @@ public final class InitTradeRequest extends TradeMessage implements DirectMessag
     private final String reserveTxKey;
     @Nullable
     private final String payoutAddress;
+    @Nullable
+    private final String challenge;
 
     public InitTradeRequest(TradeProtocolVersion tradeProtocolVersion,
                                     String offerId,
@@ -79,7 +81,8 @@ public final class InitTradeRequest extends TradeMessage implements DirectMessag
                                     @Nullable String reserveTxHash,
                                     @Nullable String reserveTxHex,
                                     @Nullable String reserveTxKey,
-                                    @Nullable String payoutAddress) {
+                                    @Nullable String payoutAddress,
+                                    @Nullable String challenge) {
         super(messageVersion, offerId, uid);
         this.tradeProtocolVersion = tradeProtocolVersion;
         this.tradeAmount = tradeAmount;
@@ -99,6 +102,7 @@ public final class InitTradeRequest extends TradeMessage implements DirectMessag
         this.reserveTxHex = reserveTxHex;
         this.reserveTxKey = reserveTxKey;
         this.payoutAddress = payoutAddress;
+        this.challenge = challenge;
     }
 
 
@@ -129,6 +133,7 @@ public final class InitTradeRequest extends TradeMessage implements DirectMessag
         Optional.ofNullable(reserveTxHex).ifPresent(e -> builder.setReserveTxHex(reserveTxHex));
         Optional.ofNullable(reserveTxKey).ifPresent(e -> builder.setReserveTxKey(reserveTxKey));
         Optional.ofNullable(payoutAddress).ifPresent(e -> builder.setPayoutAddress(payoutAddress));
+        Optional.ofNullable(challenge).ifPresent(e -> builder.setChallenge(challenge));
         Optional.ofNullable(accountAgeWitnessSignatureOfOfferId).ifPresent(e -> builder.setAccountAgeWitnessSignatureOfOfferId(ByteString.copyFrom(e)));
         builder.setCurrentDate(currentDate);
 
@@ -158,7 +163,8 @@ public final class InitTradeRequest extends TradeMessage implements DirectMessag
                 ProtoUtil.stringOrNullFromProto(proto.getReserveTxHash()),
                 ProtoUtil.stringOrNullFromProto(proto.getReserveTxHex()),
                 ProtoUtil.stringOrNullFromProto(proto.getReserveTxKey()),
-                ProtoUtil.stringOrNullFromProto(proto.getPayoutAddress()));
+                ProtoUtil.stringOrNullFromProto(proto.getPayoutAddress()),
+                ProtoUtil.stringOrNullFromProto(proto.getChallenge()));
     }
 
     @Override
@@ -183,6 +189,7 @@ public final class InitTradeRequest extends TradeMessage implements DirectMessag
                 ",\n     reserveTxHex=" + reserveTxHex +
                 ",\n     reserveTxKey=" + reserveTxKey +
                 ",\n     payoutAddress=" + payoutAddress +
+                ",\n     challenge=" + challenge +
                 "\n} " + super.toString();
     }
 }

core/src/main/java/haveno/core/trade/messages/SignContractRequest.java

@@ -35,7 +35,9 @@ public final class SignContractRequest extends TradeMessage implements DirectMes
     private final String accountId;
     private final byte[] paymentAccountPayloadHash;
     private final String payoutAddress;
+    @Nullable
     private final String depositTxHash;
+    @Nullable
     private final byte[] accountAgeWitnessSignatureOfDepositHash;
 
     public SignContractRequest(String tradeId,
@@ -45,7 +47,7 @@ public final class SignContractRequest extends TradeMessage implements DirectMes
                                      String accountId,
                                      byte[] paymentAccountPayloadHash,
                                      String payoutAddress,
-                                     String depositTxHash,
+                                     @Nullable String depositTxHash,
                                      @Nullable byte[] accountAgeWitnessSignatureOfDepositHash) {
         super(messageVersion, tradeId, uid);
         this.currentDate = currentDate;
@@ -68,10 +70,9 @@ public final class SignContractRequest extends TradeMessage implements DirectMes
                 .setUid(uid)
                 .setAccountId(accountId)
                 .setPaymentAccountPayloadHash(ByteString.copyFrom(paymentAccountPayloadHash))
-                .setPayoutAddress(payoutAddress)
-                .setDepositTxHash(depositTxHash);
-
+                .setPayoutAddress(payoutAddress);
         Optional.ofNullable(accountAgeWitnessSignatureOfDepositHash).ifPresent(e -> builder.setAccountAgeWitnessSignatureOfDepositHash(ByteString.copyFrom(e)));
+        Optional.ofNullable(depositTxHash).ifPresent(builder::setDepositTxHash);
         builder.setCurrentDate(currentDate);
 
         return getNetworkEnvelopeBuilder().setSignContractRequest(builder).build();
@@ -87,7 +88,7 @@ public final class SignContractRequest extends TradeMessage implements DirectMes
                 proto.getAccountId(),
                 proto.getPaymentAccountPayloadHash().toByteArray(),
                 proto.getPayoutAddress(),
-                proto.getDepositTxHash(),
+                ProtoUtil.stringOrNullFromProto(proto.getDepositTxHash()),
                 ProtoUtil.byteArrayOrNullFromProto(proto.getAccountAgeWitnessSignatureOfDepositHash()));
     }
 

core/src/main/java/haveno/core/trade/protocol/TradePeer.java

@@ -158,7 +158,6 @@ public final class TradePeer implements PersistablePayload {
     }
 
     public BigInteger getSecurityDeposit() {
-        if (depositTxHash == null) return null;
         return BigInteger.valueOf(securityDeposit);
     }
 

core/src/main/java/haveno/core/trade/protocol/tasks/ArbitratorProcessDepositRequest.java

@@ -36,8 +36,9 @@ import monero.daemon.model.MoneroSubmitTxResult;
 import monero.daemon.model.MoneroTx;
 
 import java.math.BigInteger;
-import java.util.Arrays;
+import java.util.ArrayList;
 import java.util.Date;
+import java.util.List;
 import java.util.UUID;
 
 @Slf4j
@@ -83,72 +84,86 @@ public class ArbitratorProcessDepositRequest extends TradeTask {
         byte[] signature = request.getContractSignature();
 
         // get trader info
-        TradePeer trader = trade.getTradePeer(processModel.getTempTradePeerNodeAddress());
-        if (trader == null) throw new RuntimeException(request.getClass().getSimpleName() + " is not from maker, taker, or arbitrator");
-        PubKeyRing peerPubKeyRing = trader.getPubKeyRing();
+        TradePeer sender = trade.getTradePeer(processModel.getTempTradePeerNodeAddress());
+        if (sender == null) throw new RuntimeException(request.getClass().getSimpleName() + " is not from maker, taker, or arbitrator");
+        PubKeyRing senderPubKeyRing = sender.getPubKeyRing();
 
         // verify signature
-        if (!HavenoUtils.isSignatureValid(peerPubKeyRing, contractAsJson, signature)) {
+        if (!HavenoUtils.isSignatureValid(senderPubKeyRing, contractAsJson, signature)) {
             throw new RuntimeException("Peer's contract signature is invalid");
         }
 
         // set peer's signature
-        trader.setContractSignature(signature);
+        sender.setContractSignature(signature);
 
         // collect expected values
         Offer offer = trade.getOffer();
-        boolean isFromTaker = trader == trade.getTaker();
-        boolean isFromBuyer = trader == trade.getBuyer();
+        boolean isFromTaker = sender == trade.getTaker();
+        boolean isFromBuyer = sender == trade.getBuyer();
         BigInteger tradeFee = isFromTaker ? trade.getTakerFee() : trade.getMakerFee();
         BigInteger sendTradeAmount =  isFromBuyer ? BigInteger.ZERO : trade.getAmount();
         BigInteger securityDeposit = isFromBuyer ? trade.getBuyerSecurityDepositBeforeMiningFee() : trade.getSellerSecurityDepositBeforeMiningFee();
         String depositAddress = processModel.getMultisigAddress();
+        sender.setSecurityDeposit(securityDeposit);
 
         // verify deposit tx
-        MoneroTx verifiedTx;
-        try {
-            verifiedTx = trade.getXmrWalletService().verifyDepositTx(
-                    offer.getId(),
-                    tradeFee,
-                    trade.getProcessModel().getTradeFeeAddress(),
-                    sendTradeAmount,
-                    securityDeposit,
-                    depositAddress,
-                    trader.getDepositTxHash(),
-                    request.getDepositTxHex(),
-                    request.getDepositTxKey(),
-                    null);
-        } catch (Exception e) {
-            throw new RuntimeException("Error processing deposit tx from " + (isFromTaker ? "taker " : "maker ") + trader.getNodeAddress() + ", offerId=" + offer.getId() + ": " + e.getMessage());
+        boolean isFromBuyerAsTakerWithoutDeposit = isFromBuyer && isFromTaker && trade.hasBuyerAsTakerWithoutDeposit();
+        if (!isFromBuyerAsTakerWithoutDeposit) {
+            MoneroTx verifiedTx;
+            try {
+                verifiedTx = trade.getXmrWalletService().verifyDepositTx(
+                        offer.getId(),
+                        tradeFee,
+                        trade.getProcessModel().getTradeFeeAddress(),
+                        sendTradeAmount,
+                        securityDeposit,
+                        depositAddress,
+                        sender.getDepositTxHash(),
+                        request.getDepositTxHex(),
+                        request.getDepositTxKey(),
+                        null);
+            } catch (Exception e) {
+                throw new RuntimeException("Error processing deposit tx from " + (isFromTaker ? "taker " : "maker ") + sender.getNodeAddress() + ", offerId=" + offer.getId() + ": " + e.getMessage());
+            }
+    
+            // update trade state
+            sender.setSecurityDeposit(sender.getSecurityDeposit().subtract(verifiedTx.getFee())); // subtract mining fee from security deposit
+            sender.setDepositTxFee(verifiedTx.getFee());
+            sender.setDepositTxHex(request.getDepositTxHex());
+            sender.setDepositTxKey(request.getDepositTxKey());
         }
 
         // update trade state
-        trader.setSecurityDeposit(securityDeposit.subtract(verifiedTx.getFee())); // subtract mining fee from security deposit
-        trader.setDepositTxFee(verifiedTx.getFee());
-        trader.setDepositTxHex(request.getDepositTxHex());
-        trader.setDepositTxKey(request.getDepositTxKey());
-        if (request.getPaymentAccountKey() != null) trader.setPaymentAccountKey(request.getPaymentAccountKey());
+        if (request.getPaymentAccountKey() != null) sender.setPaymentAccountKey(request.getPaymentAccountKey());
         processModel.getTradeManager().requestPersistence();
 
-        // relay deposit txs when both available
+        // relay deposit txs when both requests received
         MoneroDaemon daemon = trade.getXmrWalletService().getDaemon();
-        if (processModel.getMaker().getDepositTxHex() != null && processModel.getTaker().getDepositTxHex() != null) {
+        if (processModel.getMaker().getContractSignature() != null && processModel.getTaker().getContractSignature() != null) {
 
             // check timeout and extend just before relaying
             if (isTimedOut()) throw new RuntimeException("Trade protocol has timed out before relaying deposit txs for {} {}" + trade.getClass().getSimpleName() + " " + trade.getShortId());
             trade.addInitProgressStep();
 
+            // relay deposit txs
             boolean depositTxsRelayed = false;
+            List<String> txHashes = new ArrayList<>();
             try {
 
-                // submit txs to pool but do not relay
+                // submit maker tx to pool but do not relay
                 MoneroSubmitTxResult makerResult = daemon.submitTxHex(processModel.getMaker().getDepositTxHex(), true);
-                MoneroSubmitTxResult takerResult = daemon.submitTxHex(processModel.getTaker().getDepositTxHex(), true);
                 if (!makerResult.isGood()) throw new RuntimeException("Error submitting maker deposit tx: " + JsonUtils.serialize(makerResult));
-                if (!takerResult.isGood()) throw new RuntimeException("Error submitting taker deposit tx: " + JsonUtils.serialize(takerResult));
+                txHashes.add(processModel.getMaker().getDepositTxHash());
+
+                // submit taker tx to pool but do not relay
+                if (!trade.hasBuyerAsTakerWithoutDeposit()) {
+                    MoneroSubmitTxResult takerResult = daemon.submitTxHex(processModel.getTaker().getDepositTxHex(), true);
+                    if (!takerResult.isGood()) throw new RuntimeException("Error submitting taker deposit tx: " + JsonUtils.serialize(takerResult));
+                    txHashes.add(processModel.getTaker().getDepositTxHash());
+                }
 
                 // relay txs
-                daemon.relayTxsByHash(Arrays.asList(processModel.getMaker().getDepositTxHash(), processModel.getTaker().getDepositTxHash()));
+                daemon.relayTxsByHash(txHashes);
                 depositTxsRelayed = true;
 
                 // update trade state
@@ -160,7 +175,7 @@ public class ArbitratorProcessDepositRequest extends TradeTask {
 
                     // flush txs from pool
                     try {
-                        daemon.flushTxPool(processModel.getMaker().getDepositTxHash(), processModel.getTaker().getDepositTxHash());
+                        daemon.flushTxPool(txHashes);
                     } catch (Exception e2) {
                         log.warn("Error flushing deposit txs from pool for trade {}: {}\n", trade.getId(), e2.getMessage(), e2);
                     }
@@ -180,7 +195,7 @@ public class ArbitratorProcessDepositRequest extends TradeTask {
             });
 
             if (processModel.getMaker().getDepositTxHex() == null) log.info("Arbitrator waiting for deposit request from maker for trade " + trade.getId());
-            if (processModel.getTaker().getDepositTxHex() == null) log.info("Arbitrator waiting for deposit request from taker for trade " + trade.getId());
+            if (processModel.getTaker().getDepositTxHex() == null && !trade.hasBuyerAsTakerWithoutDeposit()) log.info("Arbitrator waiting for deposit request from taker for trade " + trade.getId());
         }
     }
 

core/src/main/java/haveno/core/trade/protocol/tasks/ArbitratorProcessReserveTx.java

@@ -53,38 +53,44 @@ public class ArbitratorProcessReserveTx extends TradeTask {
             TradePeer sender = trade.getTradePeer(processModel.getTempTradePeerNodeAddress());
             boolean isFromMaker = sender == trade.getMaker();
             boolean isFromBuyer = isFromMaker ? offer.getDirection() == OfferDirection.BUY : offer.getDirection() == OfferDirection.SELL;
+            sender = isFromMaker ? processModel.getMaker() : processModel.getTaker();
+            BigInteger securityDeposit = isFromMaker ? isFromBuyer ? offer.getMaxBuyerSecurityDeposit() : offer.getMaxSellerSecurityDeposit() : isFromBuyer ? trade.getBuyerSecurityDepositBeforeMiningFee() : trade.getSellerSecurityDepositBeforeMiningFee();
+            sender.setSecurityDeposit(securityDeposit);
 
             // TODO (woodser): if signer online, should never be called by maker?
 
-            // process reserve tx with expected values
-            BigInteger penaltyFee = HavenoUtils.multiply(isFromMaker ? offer.getAmount() : trade.getAmount(), offer.getPenaltyFeePct());
-            BigInteger tradeFee = isFromMaker ? offer.getMaxMakerFee() : trade.getTakerFee();
-            BigInteger sendAmount =  isFromBuyer ? BigInteger.ZERO : isFromMaker ? offer.getAmount() : trade.getAmount(); // maker reserve tx is for offer amount
-            BigInteger securityDeposit = isFromMaker ? isFromBuyer ? offer.getMaxBuyerSecurityDeposit() : offer.getMaxSellerSecurityDeposit() : isFromBuyer ? trade.getBuyerSecurityDepositBeforeMiningFee() : trade.getSellerSecurityDepositBeforeMiningFee();
-            MoneroTx verifiedTx;
-            try {
-                verifiedTx = trade.getXmrWalletService().verifyReserveTx(
-                    offer.getId(),
-                    penaltyFee,
-                    tradeFee,
-                    sendAmount,
-                    securityDeposit,
-                    request.getPayoutAddress(),
-                    request.getReserveTxHash(),
-                    request.getReserveTxHex(),
-                    request.getReserveTxKey(),
-                    null);
-            } catch (Exception e) {
-                log.error(ExceptionUtils.getStackTrace(e));
-                throw new RuntimeException("Error processing reserve tx from " + (isFromMaker ? "maker " : "taker ") + processModel.getTempTradePeerNodeAddress() + ", offerId=" + offer.getId() + ": " + e.getMessage());
-            }
+            // process reserve tx unless from buyer as taker without deposit
+            boolean isFromBuyerAsTakerWithoutDeposit = isFromBuyer && !isFromMaker && trade.hasBuyerAsTakerWithoutDeposit();
+            if (!isFromBuyerAsTakerWithoutDeposit) {
 
-            // save reserve tx to model
-            TradePeer trader = isFromMaker ? processModel.getMaker() : processModel.getTaker();
-            trader.setSecurityDeposit(securityDeposit.subtract(verifiedTx.getFee())); // subtract mining fee from security deposit
-            trader.setReserveTxHash(request.getReserveTxHash());
-            trader.setReserveTxHex(request.getReserveTxHex());
-            trader.setReserveTxKey(request.getReserveTxKey());
+                // process reserve tx with expected values
+                BigInteger penaltyFee = HavenoUtils.multiply(isFromMaker ? offer.getAmount() : trade.getAmount(), offer.getPenaltyFeePct());
+                BigInteger tradeFee = isFromMaker ? offer.getMaxMakerFee() : trade.getTakerFee();
+                BigInteger sendAmount =  isFromBuyer ? BigInteger.ZERO : isFromMaker ? offer.getAmount() : trade.getAmount(); // maker reserve tx is for offer amount
+                MoneroTx verifiedTx;
+                try {
+                    verifiedTx = trade.getXmrWalletService().verifyReserveTx(
+                        offer.getId(),
+                        penaltyFee,
+                        tradeFee,
+                        sendAmount,
+                        securityDeposit,
+                        request.getPayoutAddress(),
+                        request.getReserveTxHash(),
+                        request.getReserveTxHex(),
+                        request.getReserveTxKey(),
+                        null);
+                } catch (Exception e) {
+                    log.error(ExceptionUtils.getStackTrace(e));
+                    throw new RuntimeException("Error processing reserve tx from " + (isFromMaker ? "maker " : "taker ") + processModel.getTempTradePeerNodeAddress() + ", offerId=" + offer.getId() + ": " + e.getMessage());
+                }
+
+                // save reserve tx to model
+                sender.setSecurityDeposit(sender.getSecurityDeposit().subtract(verifiedTx.getFee())); // subtract mining fee from security deposit
+                sender.setReserveTxHash(request.getReserveTxHash());
+                sender.setReserveTxHex(request.getReserveTxHex());
+                sender.setReserveTxKey(request.getReserveTxKey());
+            }
 
             // persist trade
             processModel.getTradeManager().requestPersistence();

core/src/main/java/haveno/core/trade/protocol/tasks/ArbitratorSendInitTradeOrMultisigRequests.java

@@ -78,6 +78,7 @@ public class ArbitratorSendInitTradeOrMultisigRequests extends TradeTask {
                         null,
                         null,
                         null,
+                        null,
                         null);
 
                 // send request to taker
@@ -118,7 +119,7 @@ public class ArbitratorSendInitTradeOrMultisigRequests extends TradeTask {
 
         // ensure arbitrator has reserve txs
         if (processModel.getMaker().getReserveTxHash() == null) throw new RuntimeException("Arbitrator does not have maker's reserve tx after initializing trade");
-        if (processModel.getTaker().getReserveTxHash() == null) throw new RuntimeException("Arbitrator does not have taker's reserve tx after initializing trade");
+        if (processModel.getTaker().getReserveTxHash() == null && !trade.hasBuyerAsTakerWithoutDeposit()) throw new RuntimeException("Arbitrator does not have taker's reserve tx after initializing trade");
 
         // create wallet for multisig
         MoneroWallet multisigWallet = trade.createWallet();

core/src/main/java/haveno/core/trade/protocol/tasks/BuyerPreparePaymentSentMessage.java

@@ -74,7 +74,7 @@ public class BuyerPreparePaymentSentMessage extends TradeTask {
             Preconditions.checkNotNull(trade.getSeller().getPaymentAccountPayload(), "Seller's payment account payload is null");
             Preconditions.checkNotNull(trade.getAmount(), "trade.getTradeAmount() must not be null");
             Preconditions.checkNotNull(trade.getMakerDepositTx(), "trade.getMakerDepositTx() must not be null");
-            Preconditions.checkNotNull(trade.getTakerDepositTx(), "trade.getTakerDepositTx() must not be null");
+            if (!trade.hasBuyerAsTakerWithoutDeposit()) Preconditions.checkNotNull(trade.getTakerDepositTx(), "trade.getTakerDepositTx() must not be null");
             checkNotNull(trade.getOffer(), "offer must not be null");
 
             // create payout tx if we have seller's updated multisig hex

core/src/main/java/haveno/core/trade/protocol/tasks/MakerSendInitTradeRequestToArbitrator.java

@@ -138,7 +138,8 @@ public class MakerSendInitTradeRequestToArbitrator extends TradeTask {
                 trade.getSelf().getReserveTxHash(),
                 trade.getSelf().getReserveTxHex(),
                 trade.getSelf().getReserveTxKey(),
-                model.getXmrWalletService().getOrCreateAddressEntry(trade.getOffer().getId(), XmrAddressEntry.Context.TRADE_PAYOUT).getAddressString());
+                model.getXmrWalletService().getOrCreateAddressEntry(trade.getOffer().getId(), XmrAddressEntry.Context.TRADE_PAYOUT).getAddressString(),
+                trade.getChallenge());
 
         // send request to arbitrator
         log.info("Sending {} with offerId {} and uid {} to arbitrator {}", arbitratorRequest.getClass().getSimpleName(), arbitratorRequest.getOfferId(), arbitratorRequest.getUid(), trade.getArbitrator().getNodeAddress());

core/src/main/java/haveno/core/trade/protocol/tasks/MaybeSendSignContractRequest.java

@@ -83,7 +83,7 @@ public class MaybeSendSignContractRequest extends TradeTask {
                 if (isTimedOut()) throw new RuntimeException("Trade protocol has timed out while getting lock to create deposit tx, tradeId=" + trade.getShortId());
                 trade.startProtocolTimeout();
 
-                // collect relevant info
+                // collect info
                 Integer subaddressIndex = null;
                 boolean reserveExactAmount = false;
                 if (trade instanceof MakerTrade) {
@@ -97,53 +97,60 @@ public class MaybeSendSignContractRequest extends TradeTask {
                 }
 
                 // attempt creating deposit tx
-                try {
-                    synchronized (HavenoUtils.getWalletFunctionLock()) {
-                        for (int i = 0; i < TradeProtocol.MAX_ATTEMPTS; i++) {
-                            MoneroRpcConnection sourceConnection = trade.getXmrConnectionService().getConnection();
-                            try {
-                                depositTx = trade.getXmrWalletService().createDepositTx(trade, reserveExactAmount, subaddressIndex);
-                            } catch (Exception e) {
-                                log.warn("Error creating deposit tx, tradeId={}, attempt={}/{}, error={}", trade.getShortId(), i + 1, TradeProtocol.MAX_ATTEMPTS, e.getMessage());
-                                trade.getXmrWalletService().handleWalletError(e, sourceConnection);
+                if (!trade.isBuyerAsTakerWithoutDeposit()) {
+                    try {
+                        synchronized (HavenoUtils.getWalletFunctionLock()) {
+                            for (int i = 0; i < TradeProtocol.MAX_ATTEMPTS; i++) {
+                                MoneroRpcConnection sourceConnection = trade.getXmrConnectionService().getConnection();
+                                try {
+                                    depositTx = trade.getXmrWalletService().createDepositTx(trade, reserveExactAmount, subaddressIndex);
+                                } catch (Exception e) {
+                                    log.warn("Error creating deposit tx, tradeId={}, attempt={}/{}, error={}", trade.getShortId(), i + 1, TradeProtocol.MAX_ATTEMPTS, e.getMessage());
+                                    trade.getXmrWalletService().handleWalletError(e, sourceConnection);
+                                    if (isTimedOut()) throw new RuntimeException("Trade protocol has timed out while creating deposit tx, tradeId=" + trade.getShortId());
+                                    if (i == TradeProtocol.MAX_ATTEMPTS - 1) throw e;
+                                    HavenoUtils.waitFor(TradeProtocol.REPROCESS_DELAY_MS); // wait before retrying
+                                }
+                
+                                // check for timeout
                                 if (isTimedOut()) throw new RuntimeException("Trade protocol has timed out while creating deposit tx, tradeId=" + trade.getShortId());
-                                if (i == TradeProtocol.MAX_ATTEMPTS - 1) throw e;
-                                HavenoUtils.waitFor(TradeProtocol.REPROCESS_DELAY_MS); // wait before retrying
+                                if (depositTx != null) break;
                             }
-            
-                            // check for timeout
-                            if (isTimedOut()) throw new RuntimeException("Trade protocol has timed out while creating deposit tx, tradeId=" + trade.getShortId());
-                            if (depositTx != null) break;
                         }
+                    } catch (Exception e) {
+    
+                        // thaw deposit inputs
+                        if (depositTx != null) {
+                            trade.getXmrWalletService().thawOutputs(HavenoUtils.getInputKeyImages(depositTx));
+                            trade.getSelf().setReserveTxKeyImages(null);
+                        }
+    
+                        // re-freeze maker offer inputs
+                        if (trade instanceof MakerTrade) {
+                            trade.getXmrWalletService().freezeOutputs(trade.getOffer().getOfferPayload().getReserveTxKeyImages());
+                        }
+    
+                        throw e;
                     }
-                } catch (Exception e) {
-
-                    // thaw deposit inputs
-                    if (depositTx != null) {
-                        trade.getXmrWalletService().thawOutputs(HavenoUtils.getInputKeyImages(depositTx));
-                        trade.getSelf().setReserveTxKeyImages(null);
-                    }
-
-                    // re-freeze maker offer inputs
-                    if (trade instanceof MakerTrade) {
-                        trade.getXmrWalletService().freezeOutputs(trade.getOffer().getOfferPayload().getReserveTxKeyImages());
-                    }
-
-                    throw e;
                 }
 
                 // reset protocol timeout
                 trade.addInitProgressStep();
 
                 // update trade state
-                BigInteger securityDeposit = trade instanceof BuyerTrade ? trade.getBuyerSecurityDepositBeforeMiningFee() : trade.getSellerSecurityDepositBeforeMiningFee();
-                trade.getSelf().setSecurityDeposit(securityDeposit.subtract(depositTx.getFee()));
-                trade.getSelf().setDepositTx(depositTx);
-                trade.getSelf().setDepositTxHash(depositTx.getHash());
-                trade.getSelf().setDepositTxFee(depositTx.getFee());
-                trade.getSelf().setReserveTxKeyImages(HavenoUtils.getInputKeyImages(depositTx));
                 trade.getSelf().setPayoutAddressString(trade.getXmrWalletService().getOrCreateAddressEntry(trade.getOffer().getId(), XmrAddressEntry.Context.TRADE_PAYOUT).getAddressString()); // TODO (woodser): allow custom payout address?
                 trade.getSelf().setPaymentAccountPayload(trade.getProcessModel().getPaymentAccountPayload(trade.getSelf().getPaymentAccountId()));
+                trade.getSelf().setPaymentAccountPayloadHash(trade.getSelf().getPaymentAccountPayload().getHash());
+                BigInteger securityDeposit = trade instanceof BuyerTrade ? trade.getBuyerSecurityDepositBeforeMiningFee() : trade.getSellerSecurityDepositBeforeMiningFee();
+                if (depositTx == null) {
+                    trade.getSelf().setSecurityDeposit(securityDeposit);
+                } else {
+                    trade.getSelf().setSecurityDeposit(securityDeposit.subtract(depositTx.getFee()));
+                    trade.getSelf().setDepositTx(depositTx);
+                    trade.getSelf().setDepositTxHash(depositTx.getHash());
+                    trade.getSelf().setDepositTxFee(depositTx.getFee());
+                    trade.getSelf().setReserveTxKeyImages(HavenoUtils.getInputKeyImages(depositTx));
+                }
             }
 
             // maker signs deposit hash nonce to avoid challenge protocol
@@ -161,7 +168,7 @@ public class MaybeSendSignContractRequest extends TradeTask {
                     trade.getProcessModel().getAccountId(),
                     trade.getSelf().getPaymentAccountPayload().getHash(),
                     trade.getSelf().getPayoutAddressString(),
-                    depositTx.getHash(),
+                    depositTx == null ? null : depositTx.getHash(),
                     sig);
 
             // send request to trading peer

core/src/main/java/haveno/core/trade/protocol/tasks/ProcessSignContractRequest.java

@@ -63,20 +63,20 @@ public class ProcessSignContractRequest extends TradeTask {
           // extract fields from request
           // TODO (woodser): verify request and from maker or taker
           SignContractRequest request = (SignContractRequest) processModel.getTradeMessage();
-          TradePeer trader = trade.getTradePeer(processModel.getTempTradePeerNodeAddress());
-          trader.setDepositTxHash(request.getDepositTxHash());
-          trader.setAccountId(request.getAccountId());
-          trader.setPaymentAccountPayloadHash(request.getPaymentAccountPayloadHash());
-          trader.setPayoutAddressString(request.getPayoutAddress());
+          TradePeer sender = trade.getTradePeer(processModel.getTempTradePeerNodeAddress());
+          sender.setDepositTxHash(request.getDepositTxHash());
+          sender.setAccountId(request.getAccountId());
+          sender.setPaymentAccountPayloadHash(request.getPaymentAccountPayloadHash());
+          sender.setPayoutAddressString(request.getPayoutAddress());
 
           // maker sends witness signature of deposit tx hash
-          if (trader == trade.getMaker()) {
-            trader.setAccountAgeWitnessNonce(request.getDepositTxHash().getBytes(Charsets.UTF_8));
-            trader.setAccountAgeWitnessSignature(request.getAccountAgeWitnessSignatureOfDepositHash());
+          if (sender == trade.getMaker()) {
+            sender.setAccountAgeWitnessNonce(request.getDepositTxHash().getBytes(Charsets.UTF_8));
+            sender.setAccountAgeWitnessSignature(request.getAccountAgeWitnessSignatureOfDepositHash());
           }
 
-          // sign contract only when both deposit txs hashes known
-          if (processModel.getMaker().getDepositTxHash() == null || processModel.getTaker().getDepositTxHash() == null) {
+          // sign contract only when received from both peers
+          if (processModel.getMaker().getPaymentAccountPayloadHash() == null || processModel.getTaker().getPaymentAccountPayloadHash() == null) {
               complete();
               return;
           }

core/src/main/java/haveno/core/trade/protocol/tasks/SendDepositRequest.java

@@ -82,8 +82,8 @@ public class SendDepositRequest extends TradeTask {
                         Version.getP2PMessageVersion(),
                         new Date().getTime(),
                         trade.getSelf().getContractSignature(),
-                        trade.getSelf().getDepositTx().getFullHex(),
-                        trade.getSelf().getDepositTx().getKey(),
+                        trade.getSelf().getDepositTx() == null ? null : trade.getSelf().getDepositTx().getFullHex(),
+                        trade.getSelf().getDepositTx() == null ? null : trade.getSelf().getDepositTx().getKey(),
                         trade.getSelf().getPaymentAccountKey());
 
                 // update trade state

core/src/main/java/haveno/core/trade/protocol/tasks/TakerReserveTradeFunds.java

@@ -47,62 +47,63 @@ public class TakerReserveTradeFunds extends TradeTask {
                 throw new RuntimeException("Expected taker trade but was " + trade.getClass().getSimpleName() + " " + trade.getShortId() + ". That should never happen.");
             }
 
-            // create reserve tx
+            // create reserve tx unless deposit not required from buyer as taker
             MoneroTxWallet reserveTx = null;
-            synchronized (HavenoUtils.xmrWalletService.getWalletLock()) {
+            if (!trade.isBuyerAsTakerWithoutDeposit()) {
+                synchronized (HavenoUtils.xmrWalletService.getWalletLock()) {
 
-                // check for timeout
-                if (isTimedOut()) throw new RuntimeException("Trade protocol has timed out while getting lock to create reserve tx, tradeId=" + trade.getShortId());
-                trade.startProtocolTimeout();
+                    // check for timeout
+                    if (isTimedOut()) throw new RuntimeException("Trade protocol has timed out while getting lock to create reserve tx, tradeId=" + trade.getShortId());
+                    trade.startProtocolTimeout();
 
-                // collect relevant info
-                BigInteger penaltyFee = HavenoUtils.multiply(trade.getAmount(), trade.getOffer().getPenaltyFeePct());
-                BigInteger takerFee = trade.getTakerFee();
-                BigInteger sendAmount = trade.getOffer().getDirection() == OfferDirection.BUY ? trade.getAmount() : BigInteger.ZERO;
-                BigInteger securityDeposit = trade.getOffer().getDirection() == OfferDirection.BUY ? trade.getSellerSecurityDepositBeforeMiningFee() : trade.getBuyerSecurityDepositBeforeMiningFee();
-                String returnAddress = trade.getXmrWalletService().getOrCreateAddressEntry(trade.getOffer().getId(), XmrAddressEntry.Context.TRADE_PAYOUT).getAddressString();
+                    // collect relevant info
+                    BigInteger penaltyFee = HavenoUtils.multiply(trade.getAmount(), trade.getOffer().getPenaltyFeePct());
+                    BigInteger takerFee = trade.getTakerFee();
+                    BigInteger sendAmount = trade.getOffer().getDirection() == OfferDirection.BUY ? trade.getAmount() : BigInteger.ZERO;
+                    BigInteger securityDeposit = trade.getSecurityDepositBeforeMiningFee();
+                    String returnAddress = trade.getXmrWalletService().getOrCreateAddressEntry(trade.getOffer().getId(), XmrAddressEntry.Context.TRADE_PAYOUT).getAddressString();
 
-                // attempt creating reserve tx
-                try {
-                    synchronized (HavenoUtils.getWalletFunctionLock()) {
-                        for (int i = 0; i < TradeProtocol.MAX_ATTEMPTS; i++) {
-                            MoneroRpcConnection sourceConnection = trade.getXmrConnectionService().getConnection();
-                            try {
-                                reserveTx = model.getXmrWalletService().createReserveTx(penaltyFee, takerFee, sendAmount, securityDeposit, returnAddress, false, null);
-                            } catch (Exception e) {
-                                log.warn("Error creating reserve tx, tradeId={}, attempt={}/{}, error={}", trade.getShortId(), i + 1, TradeProtocol.MAX_ATTEMPTS, e.getMessage());
-                                trade.getXmrWalletService().handleWalletError(e, sourceConnection);
+                    // attempt creating reserve tx
+                    try {
+                        synchronized (HavenoUtils.getWalletFunctionLock()) {
+                            for (int i = 0; i < TradeProtocol.MAX_ATTEMPTS; i++) {
+                                MoneroRpcConnection sourceConnection = trade.getXmrConnectionService().getConnection();
+                                try {
+                                    reserveTx = model.getXmrWalletService().createReserveTx(penaltyFee, takerFee, sendAmount, securityDeposit, returnAddress, false, null);
+                                } catch (Exception e) {
+                                    log.warn("Error creating reserve tx, tradeId={}, attempt={}/{}, error={}", trade.getShortId(), i + 1, TradeProtocol.MAX_ATTEMPTS, e.getMessage());
+                                    trade.getXmrWalletService().handleWalletError(e, sourceConnection);
+                                    if (isTimedOut()) throw new RuntimeException("Trade protocol has timed out while creating reserve tx, tradeId=" + trade.getShortId());
+                                    if (i == TradeProtocol.MAX_ATTEMPTS - 1) throw e;
+                                    HavenoUtils.waitFor(TradeProtocol.REPROCESS_DELAY_MS); // wait before retrying
+                                }
+                
+                                // check for timeout
                                 if (isTimedOut()) throw new RuntimeException("Trade protocol has timed out while creating reserve tx, tradeId=" + trade.getShortId());
-                                if (i == TradeProtocol.MAX_ATTEMPTS - 1) throw e;
-                                HavenoUtils.waitFor(TradeProtocol.REPROCESS_DELAY_MS); // wait before retrying
+                                if (reserveTx != null) break;
                             }
-            
-                            // check for timeout
-                            if (isTimedOut()) throw new RuntimeException("Trade protocol has timed out while creating reserve tx, tradeId=" + trade.getShortId());
-                            if (reserveTx != null) break;
                         }
-                    }
-                } catch (Exception e) {
+                    } catch (Exception e) {
 
-                    // reset state with wallet lock
-                    model.getXmrWalletService().resetAddressEntriesForTrade(trade.getId());
-                    if (reserveTx != null) {
-                        model.getXmrWalletService().thawOutputs(HavenoUtils.getInputKeyImages(reserveTx));
-                        trade.getSelf().setReserveTxKeyImages(null);
+                        // reset state with wallet lock
+                        model.getXmrWalletService().resetAddressEntriesForTrade(trade.getId());
+                        if (reserveTx != null) {
+                            model.getXmrWalletService().thawOutputs(HavenoUtils.getInputKeyImages(reserveTx));
+                            trade.getSelf().setReserveTxKeyImages(null);
+                        }
+
+                        throw e;
                     }
 
-                    throw e;
+                    // reset protocol timeout
+                    trade.startProtocolTimeout();
+
+                    // update trade state
+                    trade.getTaker().setReserveTxHash(reserveTx.getHash());
+                    trade.getTaker().setReserveTxHex(reserveTx.getFullHex());
+                    trade.getTaker().setReserveTxKey(reserveTx.getKey());
+                    trade.getTaker().setReserveTxKeyImages(HavenoUtils.getInputKeyImages(reserveTx));
                 }
-
-
-                // reset protocol timeout
-                trade.startProtocolTimeout();
-
-                // update trade state
-                trade.getTaker().setReserveTxHash(reserveTx.getHash());
-                trade.getTaker().setReserveTxHex(reserveTx.getFullHex());
-                trade.getTaker().setReserveTxKey(reserveTx.getKey());
-                trade.getTaker().setReserveTxKeyImages(HavenoUtils.getInputKeyImages(reserveTx));
             }
 
             // save process state

core/src/main/java/haveno/core/trade/protocol/tasks/TakerSendInitTradeRequestToArbitrator.java

@@ -48,7 +48,9 @@ public class TakerSendInitTradeRequestToArbitrator extends TradeTask {
             InitTradeRequest sourceRequest = (InitTradeRequest) processModel.getTradeMessage(); // arbitrator's InitTradeRequest to taker
             checkNotNull(sourceRequest);
             checkTradeId(processModel.getOfferId(), sourceRequest);
-            if (trade.getSelf().getReserveTxHash() == null || trade.getSelf().getReserveTxHash().isEmpty()) throw new IllegalStateException("Reserve tx id is not initialized: " + trade.getSelf().getReserveTxHash());
+            if (!trade.isBuyerAsTakerWithoutDeposit() && trade.getSelf().getReserveTxHash() == null) {
+                throw new IllegalStateException("Taker reserve tx id is not initialized: " + trade.getSelf().getReserveTxHash());
+            }
 
             // create request to arbitrator
             Offer offer = processModel.getOffer();
@@ -73,7 +75,8 @@ public class TakerSendInitTradeRequestToArbitrator extends TradeTask {
                     trade.getSelf().getReserveTxHash(),
                     trade.getSelf().getReserveTxHex(),
                     trade.getSelf().getReserveTxKey(),
-                    model.getXmrWalletService().getAddressEntry(offer.getId(), XmrAddressEntry.Context.TRADE_PAYOUT).get().getAddressString());
+                    model.getXmrWalletService().getAddressEntry(offer.getId(), XmrAddressEntry.Context.TRADE_PAYOUT).get().getAddressString(),
+                    trade.getChallenge());
 
             // send request to arbitrator
             log.info("Sending {} with offerId {} and uid {} to arbitrator {}", arbitratorRequest.getClass().getSimpleName(), arbitratorRequest.getOfferId(), arbitratorRequest.getUid(), trade.getArbitrator().getNodeAddress());

core/src/main/java/haveno/core/trade/protocol/tasks/TakerSendInitTradeRequestToMaker.java

@@ -47,7 +47,9 @@ public class TakerSendInitTradeRequestToMaker extends TradeTask {
             runInterceptHook();
 
             // verify trade state
-            if (trade.getSelf().getReserveTxHash() == null || trade.getSelf().getReserveTxHash().isEmpty()) throw new IllegalStateException("Reserve tx id is not initialized: " + trade.getSelf().getReserveTxHash());
+            if (!trade.isBuyerAsTakerWithoutDeposit() && trade.getSelf().getReserveTxHash() == null) {
+                throw new IllegalStateException("Taker reserve tx id is not initialized: " + trade.getSelf().getReserveTxHash());
+            }
 
             // collect fields
             Offer offer = model.getOffer();
@@ -55,6 +57,7 @@ public class TakerSendInitTradeRequestToMaker extends TradeTask {
             P2PService p2PService = processModel.getP2PService();
             XmrWalletService walletService = model.getXmrWalletService();
             String payoutAddress = walletService.getOrCreateAddressEntry(offer.getId(), XmrAddressEntry.Context.TRADE_PAYOUT).getAddressString();
+            String challenge = model.getChallenge();
 
             // taker signs offer using offer id as nonce to avoid challenge protocol
             byte[] sig = HavenoUtils.sign(p2PService.getKeyRing(), offer.getId());
@@ -81,7 +84,8 @@ public class TakerSendInitTradeRequestToMaker extends TradeTask {
                     null, // reserve tx not sent from taker to maker
                     null,
                     null,
-                    payoutAddress);
+                    payoutAddress,
+                    challenge);
 
             // send request to maker
             log.info("Sending {} with offerId {} and uid {} to maker {}", makerRequest.getClass().getSimpleName(), makerRequest.getOfferId(), makerRequest.getUid(), trade.getMaker().getNodeAddress());

core/src/main/java/haveno/core/user/Preferences.java

@@ -616,14 +616,14 @@ public final class Preferences implements PersistedDataHost, BridgeAddressProvid
         requestPersistence();
     }
 
-    public void setBuyerSecurityDepositAsPercent(double buyerSecurityDepositAsPercent, PaymentAccount paymentAccount) {
-        double max = Restrictions.getMaxBuyerSecurityDepositAsPercent();
-        double min = Restrictions.getMinBuyerSecurityDepositAsPercent();
+    public void setSecurityDepositAsPercent(double securityDepositAsPercent, PaymentAccount paymentAccount) {
+        double max = Restrictions.getMaxSecurityDepositAsPercent();
+        double min = Restrictions.getMinSecurityDepositAsPercent();
 
         if (PaymentAccountUtil.isCryptoCurrencyAccount(paymentAccount))
-            prefPayload.setBuyerSecurityDepositAsPercentForCrypto(Math.min(max, Math.max(min, buyerSecurityDepositAsPercent)));
+            prefPayload.setSecurityDepositAsPercentForCrypto(Math.min(max, Math.max(min, securityDepositAsPercent)));
         else
-            prefPayload.setBuyerSecurityDepositAsPercent(Math.min(max, Math.max(min, buyerSecurityDepositAsPercent)));
+            prefPayload.setSecurityDepositAsPercent(Math.min(max, Math.max(min, securityDepositAsPercent)));
         requestPersistence();
     }
 
@@ -755,6 +755,11 @@ public final class Preferences implements PersistedDataHost, BridgeAddressProvid
         requestPersistence();
     }
 
+    public void setShowPrivateOffers(boolean value) {
+        prefPayload.setShowPrivateOffers(value);
+        requestPersistence();
+    }
+
     public void setDenyApiTaker(boolean value) {
         prefPayload.setDenyApiTaker(value);
         requestPersistence();
@@ -838,16 +843,16 @@ public final class Preferences implements PersistedDataHost, BridgeAddressProvid
         return prefPayload.isSplitOfferOutput();
     }
 
-    public double getBuyerSecurityDepositAsPercent(PaymentAccount paymentAccount) {
+    public double getSecurityDepositAsPercent(PaymentAccount paymentAccount) {
         double value = PaymentAccountUtil.isCryptoCurrencyAccount(paymentAccount) ?
-                prefPayload.getBuyerSecurityDepositAsPercentForCrypto() : prefPayload.getBuyerSecurityDepositAsPercent();
+                prefPayload.getSecurityDepositAsPercentForCrypto() : prefPayload.getSecurityDepositAsPercent();
 
-        if (value < Restrictions.getMinBuyerSecurityDepositAsPercent()) {
-            value = Restrictions.getMinBuyerSecurityDepositAsPercent();
-            setBuyerSecurityDepositAsPercent(value, paymentAccount);
+        if (value < Restrictions.getMinSecurityDepositAsPercent()) {
+            value = Restrictions.getMinSecurityDepositAsPercent();
+            setSecurityDepositAsPercent(value, paymentAccount);
         }
 
-        return value == 0 ? Restrictions.getDefaultBuyerSecurityDepositAsPercent() : value;
+        return value == 0 ? Restrictions.getDefaultSecurityDepositAsPercent() : value;
     }
 
     @Override

core/src/main/java/haveno/core/user/PreferencesPayload.java

@@ -41,7 +41,7 @@ import java.util.Map;
 import java.util.Optional;
 import java.util.stream.Collectors;
 
-import static haveno.core.xmr.wallet.Restrictions.getDefaultBuyerSecurityDepositAsPercent;
+import static haveno.core.xmr.wallet.Restrictions.getDefaultSecurityDepositAsPercent;
 
 @Slf4j
 @Data
@@ -120,10 +120,10 @@ public final class PreferencesPayload implements PersistableEnvelope {
     private String rpcPw;
     @Nullable
     private String takeOfferSelectedPaymentAccountId;
-    private double buyerSecurityDepositAsPercent = getDefaultBuyerSecurityDepositAsPercent();
+    private double securityDepositAsPercent = getDefaultSecurityDepositAsPercent();
     private int ignoreDustThreshold = 600;
     private int clearDataAfterDays = Preferences.CLEAR_DATA_AFTER_DAYS_INITIAL;
-    private double buyerSecurityDepositAsPercentForCrypto = getDefaultBuyerSecurityDepositAsPercent();
+    private double securityDepositAsPercentForCrypto = getDefaultSecurityDepositAsPercent();
     private int blockNotifyPort;
     private boolean tacAcceptedV120;
     private double bsqAverageTrimThreshold = 0.05;
@@ -134,6 +134,7 @@ public final class PreferencesPayload implements PersistableEnvelope {
     // Added in 1.5.5
     private boolean hideNonAccountPaymentMethods;
     private boolean showOffersMatchingMyAccounts;
+    private boolean showPrivateOffers;
     private boolean denyApiTaker;
     private boolean notifyOnPreRelease;
 
@@ -193,10 +194,10 @@ public final class PreferencesPayload implements PersistableEnvelope {
                 .setUseStandbyMode(useStandbyMode)
                 .setUseSoundForNotifications(useSoundForNotifications)
                 .setUseSoundForNotificationsInitialized(useSoundForNotificationsInitialized)
-                .setBuyerSecurityDepositAsPercent(buyerSecurityDepositAsPercent)
+                .setSecurityDepositAsPercent(securityDepositAsPercent)
                 .setIgnoreDustThreshold(ignoreDustThreshold)
                 .setClearDataAfterDays(clearDataAfterDays)
-                .setBuyerSecurityDepositAsPercentForCrypto(buyerSecurityDepositAsPercentForCrypto)
+                .setSecurityDepositAsPercentForCrypto(securityDepositAsPercentForCrypto)
                 .setBlockNotifyPort(blockNotifyPort)
                 .setTacAcceptedV120(tacAcceptedV120)
                 .setBsqAverageTrimThreshold(bsqAverageTrimThreshold)
@@ -205,6 +206,7 @@ public final class PreferencesPayload implements PersistableEnvelope {
                         .collect(Collectors.toList()))
                 .setHideNonAccountPaymentMethods(hideNonAccountPaymentMethods)
                 .setShowOffersMatchingMyAccounts(showOffersMatchingMyAccounts)
+                .setShowPrivateOffers(showPrivateOffers)
                 .setDenyApiTaker(denyApiTaker)
                 .setNotifyOnPreRelease(notifyOnPreRelease);
 
@@ -297,10 +299,10 @@ public final class PreferencesPayload implements PersistableEnvelope {
                 proto.getRpcUser().isEmpty() ? null : proto.getRpcUser(),
                 proto.getRpcPw().isEmpty() ? null : proto.getRpcPw(),
                 proto.getTakeOfferSelectedPaymentAccountId().isEmpty() ? null : proto.getTakeOfferSelectedPaymentAccountId(),
-                proto.getBuyerSecurityDepositAsPercent(),
+                proto.getSecurityDepositAsPercent(),
                 proto.getIgnoreDustThreshold(),
                 proto.getClearDataAfterDays(),
-                proto.getBuyerSecurityDepositAsPercentForCrypto(),
+                proto.getSecurityDepositAsPercentForCrypto(),
                 proto.getBlockNotifyPort(),
                 proto.getTacAcceptedV120(),
                 proto.getBsqAverageTrimThreshold(),
@@ -310,6 +312,7 @@ public final class PreferencesPayload implements PersistableEnvelope {
                                 .collect(Collectors.toList())),
                 proto.getHideNonAccountPaymentMethods(),
                 proto.getShowOffersMatchingMyAccounts(),
+                proto.getShowPrivateOffers(),
                 proto.getDenyApiTaker(),
                 proto.getNotifyOnPreRelease(),
                 XmrNodeSettings.fromProto(proto.getXmrNodeSettings())

core/src/main/java/haveno/core/util/coin/CoinUtil.java

@@ -47,35 +47,35 @@ public class CoinUtil {
     }
 
     /**
-     * @param value Btc amount to be converted to percent value. E.g. 0.01 BTC is 1% (of 1 BTC)
+     * @param value Xmr amount to be converted to percent value. E.g. 0.01 XMR is 1% (of 1 XMR)
      * @return The percentage value as double (e.g. 1% is 0.01)
      */
-    public static double getAsPercentPerBtc(BigInteger value) {
-        return getAsPercentPerBtc(value, HavenoUtils.xmrToAtomicUnits(1.0));
+    public static double getAsPercentPerXmr(BigInteger value) {
+        return getAsPercentPerXmr(value, HavenoUtils.xmrToAtomicUnits(1.0));
     }
 
     /**
-     * @param part Btc amount to be converted to percent value, based on total value passed.
-     *              E.g. 0.1 BTC is 25% (of 0.4 BTC)
-     * @param total Total Btc amount the percentage part is calculated from
+     * @param part Xmr amount to be converted to percent value, based on total value passed.
+     *              E.g. 0.1 XMR is 25% (of 0.4 XMR)
+     * @param total Total Xmr amount the percentage part is calculated from
      *
      * @return The percentage value as double (e.g. 1% is 0.01)
      */
-    public static double getAsPercentPerBtc(BigInteger part, BigInteger total) {
+    public static double getAsPercentPerXmr(BigInteger part, BigInteger total) {
         return MathUtils.roundDouble(HavenoUtils.divide(part == null ? BigInteger.ZERO : part, total == null ? BigInteger.valueOf(1) : total), 4);
     }
 
     /**
      * @param percent       The percentage value as double (e.g. 1% is 0.01)
      * @param amount        The amount as atomic units for the percentage calculation
-     * @return The percentage as atomic units (e.g. 1% of 1 BTC is 0.01 BTC)
+     * @return The percentage as atomic units (e.g. 1% of 1 XMR is 0.01 XMR)
      */
     public static BigInteger getPercentOfAmount(double percent, BigInteger amount) {
         if (amount == null) amount = BigInteger.ZERO;
         return BigDecimal.valueOf(percent).multiply(new BigDecimal(amount)).setScale(8, RoundingMode.DOWN).toBigInteger();
     }
 
-    public static BigInteger getRoundedAmount(BigInteger amount, Price price, long maxTradeLimit, String currencyCode, String paymentMethodId) {
+    public static BigInteger getRoundedAmount(BigInteger amount, Price price, Long maxTradeLimit, String currencyCode, String paymentMethodId) {
         if (PaymentMethod.isRoundedForAtmCash(paymentMethodId)) {
             return getRoundedAtmCashAmount(amount, price, maxTradeLimit);
         } else if (CurrencyUtil.isVolumeRoundedToNearestUnit(currencyCode)) {
@@ -86,7 +86,7 @@ public class CoinUtil {
         return amount;
     }
 
-    public static BigInteger getRoundedAtmCashAmount(BigInteger amount, Price price, long maxTradeLimit) {
+    public static BigInteger getRoundedAtmCashAmount(BigInteger amount, Price price, Long maxTradeLimit) {
         return getAdjustedAmount(amount, price, maxTradeLimit, 10);
     }
 
@@ -99,11 +99,11 @@ public class CoinUtil {
      * @param maxTradeLimit     The max. trade limit of the users account, in atomic units.
      * @return The adjusted amount
      */
-    public static BigInteger getRoundedAmountUnit(BigInteger amount, Price price, long maxTradeLimit) {
+    public static BigInteger getRoundedAmountUnit(BigInteger amount, Price price, Long maxTradeLimit) {
         return getAdjustedAmount(amount, price, maxTradeLimit, 1);
     }
     
-    public static BigInteger getRoundedAmount4Decimals(BigInteger amount, Price price, long maxTradeLimit) {
+    public static BigInteger getRoundedAmount4Decimals(BigInteger amount, Price price, Long maxTradeLimit) {
         DecimalFormat decimalFormat = new DecimalFormat("#.####");
         double roundedXmrAmount = Double.parseDouble(decimalFormat.format(HavenoUtils.atomicUnitsToXmr(amount)));
         return HavenoUtils.xmrToAtomicUnits(roundedXmrAmount);
@@ -121,7 +121,7 @@ public class CoinUtil {
      * @return The adjusted amount
      */
     @VisibleForTesting
-    static BigInteger getAdjustedAmount(BigInteger amount, Price price, long maxTradeLimit, int factor) {
+    static BigInteger getAdjustedAmount(BigInteger amount, Price price, Long maxTradeLimit, int factor) {
         checkArgument(
                 amount.longValueExact() >= Restrictions.getMinTradeAmount().longValueExact(),
                 "amount needs to be above minimum of " + HavenoUtils.atomicUnitsToXmr(Restrictions.getMinTradeAmount()) + " xmr"
@@ -163,11 +163,13 @@ public class CoinUtil {
 
         // If we are above our trade limit we reduce the amount by the smallestUnitForAmount
         BigInteger smallestUnitForAmountUnadjusted = price.getAmountByVolume(smallestUnitForVolume);
-        while (adjustedAmount > maxTradeLimit) {
-            adjustedAmount -= smallestUnitForAmountUnadjusted.longValueExact();
+        if (maxTradeLimit != null) {
+            while (adjustedAmount > maxTradeLimit) {
+                adjustedAmount -= smallestUnitForAmountUnadjusted.longValueExact();
+            }
         }
         adjustedAmount = Math.max(minTradeAmount, adjustedAmount);
-        adjustedAmount = Math.min(maxTradeLimit, adjustedAmount);
+        if (maxTradeLimit != null) adjustedAmount = Math.min(maxTradeLimit, adjustedAmount);
         return BigInteger.valueOf(adjustedAmount);
     }
 }

core/src/main/java/haveno/core/xmr/wallet/Restrictions.java

@@ -24,11 +24,13 @@ import org.bitcoinj.core.Coin;
 import java.math.BigInteger;
 
 public class Restrictions {
+
+    // configure restrictions
+    public static final double MIN_SECURITY_DEPOSIT_PCT = 0.15;
+    public static final double MAX_SECURITY_DEPOSIT_PCT = 0.5;
     public static BigInteger MIN_TRADE_AMOUNT = HavenoUtils.xmrToAtomicUnits(0.1);
-    public static BigInteger MIN_BUYER_SECURITY_DEPOSIT = HavenoUtils.xmrToAtomicUnits(0.1);
-    // For the seller we use a fixed one as there is no way the seller can cancel the trade
-    // To make it editable would just increase complexity.
-    public static BigInteger MIN_SELLER_SECURITY_DEPOSIT = MIN_BUYER_SECURITY_DEPOSIT;
+    public static BigInteger MIN_SECURITY_DEPOSIT = HavenoUtils.xmrToAtomicUnits(0.1);
+
     // At mediation we require a min. payout to the losing party to keep incentive for the trader to accept the
     // mediated payout. For Refund agent cases we do not have that restriction.
     private static BigInteger MIN_REFUND_AT_MEDIATED_DISPUTE;
@@ -53,31 +55,20 @@ public class Restrictions {
         return MIN_TRADE_AMOUNT;
     }
 
-    public static double getDefaultBuyerSecurityDepositAsPercent() {
-        return 0.15; // 15% of trade amount.
+    public static double getDefaultSecurityDepositAsPercent() {
+        return MIN_SECURITY_DEPOSIT_PCT;
     }
 
-    public static double getMinBuyerSecurityDepositAsPercent() {
-        return 0.15; // 15% of trade amount.
+    public static double getMinSecurityDepositAsPercent() {
+        return MIN_SECURITY_DEPOSIT_PCT;
     }
 
-    public static double getMaxBuyerSecurityDepositAsPercent() {
-        return 0.5; // 50% of trade amount. For a 1 BTC trade it is about 3500 USD @ 7000 USD/BTC
+    public static double getMaxSecurityDepositAsPercent() {
+        return MAX_SECURITY_DEPOSIT_PCT;
     }
 
-    // We use MIN_BUYER_SECURITY_DEPOSIT as well as lower bound in case of small trade amounts.
-    // So 0.0005 BTC is the min. buyer security deposit even with amount of 0.0001 BTC and 0.05% percentage value.
-    public static BigInteger getMinBuyerSecurityDeposit() {
-        return MIN_BUYER_SECURITY_DEPOSIT;
-    }
-
-
-    public static double getSellerSecurityDepositAsPercent() {
-        return 0.15; // 15% of trade amount.
-    }
-
-    public static BigInteger getMinSellerSecurityDeposit() {
-        return MIN_SELLER_SECURITY_DEPOSIT;
+    public static BigInteger getMinSecurityDeposit() {
+        return MIN_SECURITY_DEPOSIT;
     }
 
     // This value must be lower than MIN_BUYER_SECURITY_DEPOSIT and SELLER_SECURITY_DEPOSIT

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

@@ -43,6 +43,8 @@ shared.buyMonero=Buy Monero
 shared.sellMonero=Sell Monero
 shared.buyCurrency=Buy {0}
 shared.sellCurrency=Sell {0}
+shared.buyCurrencyLocked=Buy {0} 🔒
+shared.sellCurrencyLocked=Sell {0} 🔒
 shared.buyingXMRWith=buying XMR with {0}
 shared.sellingXMRFor=selling XMR for {0}
 shared.buyingCurrency=buying {0} (selling XMR)
@@ -198,7 +200,7 @@ shared.total=Total
 shared.totalsNeeded=Funds needed
 shared.tradeWalletAddress=Trade wallet address
 shared.tradeWalletBalance=Trade wallet balance
-shared.reserveExactAmount=Reserve only the funds needed. May require a mining fee and 10 confirmations (~20 minutes) before your offer is live.
+shared.reserveExactAmount=Reserve only the necessary funds. Requires a mining fee and ~20 minutes before your offer goes live.
 shared.makerTxFee=Maker: {0}
 shared.takerTxFee=Taker: {0}
 shared.iConfirm=I confirm
@@ -349,6 +351,7 @@ market.trades.showVolumeInUSD=Show volume in USD
 offerbook.createOffer=Create offer
 offerbook.takeOffer=Take offer
 offerbook.takeOffer.createAccount=Create account and take offer
+offerbook.takeOffer.enterChallenge=Enter the offer passphrase
 offerbook.trader=Trader
 offerbook.offerersBankId=Maker''s bank ID (BIC/SWIFT): {0}
 offerbook.offerersBankName=Maker''s bank name: {0}
@@ -360,6 +363,8 @@ offerbook.availableOffersToSell=Sell {0} for {1}
 offerbook.filterByCurrency=Choose currency
 offerbook.filterByPaymentMethod=Choose payment method
 offerbook.matchingOffers=Offers matching my accounts
+offerbook.filterNoDeposit=No deposit
+offerbook.noDepositOffers=Offers with no deposit (passphrase required)
 offerbook.timeSinceSigning=Account info
 offerbook.timeSinceSigning.info.arbitrator=signed by an arbitrator and can sign peer accounts
 offerbook.timeSinceSigning.info.peer=signed by a peer, waiting %d days for limits to be lifted
@@ -527,7 +532,10 @@ createOffer.setDepositAsBuyer=Set my security deposit as buyer (%)
 createOffer.setDepositForBothTraders=Set both traders' security deposit (%)
 createOffer.securityDepositInfo=Your buyer''s security deposit will be {0}
 createOffer.securityDepositInfoAsBuyer=Your security deposit as buyer will be {0}
-createOffer.minSecurityDepositUsed=Min. buyer security deposit is used
+createOffer.minSecurityDepositUsed=Minimum security deposit is used
+createOffer.buyerAsTakerWithoutDeposit=No deposit required from buyer (passphrase protected)
+createOffer.myDeposit=My security deposit (%)
+createOffer.myDepositInfo=Your security deposit will be {0}
 
 
 ####################################################################
@@ -553,6 +561,8 @@ takeOffer.fundsBox.networkFee=Total mining fees
 takeOffer.fundsBox.takeOfferSpinnerInfo=Taking offer: {0}
 takeOffer.fundsBox.paymentLabel=Haveno trade with ID {0}
 takeOffer.fundsBox.fundsStructure=({0} security deposit, {1} trade fee)
+takeOffer.fundsBox.noFundingRequiredTitle=No funding required
+takeOffer.fundsBox.noFundingRequiredDescription=Get the offer passphrase from the seller outside Haveno to take this offer.
 takeOffer.success.headline=You have successfully taken an offer.
 takeOffer.success.info=You can see the status of your trade at \"Portfolio/Open trades\".
 takeOffer.error.message=An error occurred when taking the offer.\n\n{0}
@@ -1968,6 +1978,7 @@ offerDetailsWindow.confirm.taker=Confirm: Take offer to {0} monero
 offerDetailsWindow.confirm.takerCrypto=Confirm: Take offer to {0} {1}
 offerDetailsWindow.creationDate=Creation date
 offerDetailsWindow.makersOnion=Maker's onion address
+offerDetailsWindow.challenge=Offer passphrase
 
 qRCodeWindow.headline=QR Code
 qRCodeWindow.msg=Please use this QR code for funding your Haveno wallet from your external wallet.
@@ -2016,7 +2027,7 @@ tacWindow.disagree=I disagree and quit
 tacWindow.arbitrationSystem=Dispute resolution
 
 tradeDetailsWindow.headline=Trade
-tradeDetailsWindow.disputedPayoutTxId=Disputed payout transaction ID:
+tradeDetailsWindow.disputedPayoutTxId=Disputed payout transaction ID
 tradeDetailsWindow.tradeDate=Trade date
 tradeDetailsWindow.txFee=Mining fee
 tradeDetailsWindow.tradePeersOnion=Trading peers onion address
@@ -2269,6 +2280,12 @@ popup.accountSigning.unsignedPubKeys.signed=Pubkeys were signed
 popup.accountSigning.unsignedPubKeys.result.signed=Signed pubkeys
 popup.accountSigning.unsignedPubKeys.result.failed=Failed to sign
 
+popup.info.buyerAsTakerWithoutDeposit.headline=No deposit required from buyer
+popup.info.buyerAsTakerWithoutDeposit=\
+  Your offer will not require a security deposit or fee from the XMR buyer.\n\n\
+  To accept your offer, you must share a passphrase with your trade partner outside Haveno.\n\n\
+  The passphrase is automatically generated and shown in the offer details after creation.\
+
 popup.info.torMigration.msg=Your Haveno node is probably using a deprecated Tor v2 address. \
   Please switch your Haveno node to a Tor v3 address. \
   Make sure to back up your data directory beforehand.
@@ -2408,6 +2425,7 @@ navigation.support=\"Support\"
 
 formatter.formatVolumeLabel={0} amount{1}
 formatter.makerTaker=Maker as {0} {1} / Taker as {2} {3}
+formatter.makerTakerLocked=Maker as {0} {1} / Taker as {2} {3} 🔒
 formatter.youAreAsMaker=You are: {1} {0} (maker) / Taker is: {3} {2}
 formatter.youAreAsTaker=You are: {1} {0} (taker) / Maker is: {3} {2}
 formatter.youAre=You are {0} {1} ({2} {3})

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

@@ -40,6 +40,8 @@ shared.buyMonero=Koupit monero
 shared.sellMonero=Prodat monero
 shared.buyCurrency=Koupit {0}
 shared.sellCurrency=Prodat {0}
+shared.buyCurrencyLocked=Koupit {0} 🔒
+shared.sellCurrencyLocked=Prodat {0} 🔒
 shared.buyingXMRWith=nakoupit XMR za {0}
 shared.sellingXMRFor=prodat XMR za {0}
 shared.buyingCurrency=nakoupit {0} (prodat XMR)
@@ -186,7 +188,7 @@ shared.total=Celkem
 shared.totalsNeeded=Potřebné prostředky
 shared.tradeWalletAddress=Adresa obchodní peněženky
 shared.tradeWalletBalance=Zůstatek obchodní peněženky
-shared.reserveExactAmount=Rezervujte pouze potřebné finanční prostředky. Před aktivací vaší nabídky může být vyžadována těžební poplatek a 10 potvrzení (~20 minut).
+shared.reserveExactAmount=Rezervujte pouze nezbytné prostředky. Vyžaduje poplatek za těžbu a přibližně 20 minut, než vaše nabídka půjde živě.
 shared.makerTxFee=Tvůrce: {0}
 shared.takerTxFee=Příjemce: {0}
 shared.iConfirm=Potvrzuji
@@ -330,6 +332,7 @@ offerbook.createOffer=Vytvořit nabídku
 offerbook.takeOffer=Přijmout nabídku
 offerbook.takeOfferToBuy=Přijmout nabídku na nákup {0}
 offerbook.takeOfferToSell=Přijmout nabídku k prodeji {0}
+offerbook.takeOffer.enterChallenge=Zadejte heslo nabídky
 offerbook.trader=Obchodník
 offerbook.offerersBankId=ID banky tvůrce (BIC/SWIFT): {0}
 offerbook.offerersBankName=Jméno banky tvůrce: {0}
@@ -340,6 +343,8 @@ offerbook.availableOffers=Dostupné nabídky
 offerbook.filterByCurrency=Filtrovat podle měny
 offerbook.filterByPaymentMethod=Filtrovat podle platební metody
 offerbook.matchingOffers=Nabídky odpovídající mým účtům
+offerbook.filterNoDeposit=Žádný vklad
+offerbook.noDepositOffers=Nabídky bez zálohy (vyžaduje se heslo)
 offerbook.timeSinceSigning=Informace o účtu
 offerbook.timeSinceSigning.info=Tento účet byl ověřen a {0}
 offerbook.timeSinceSigning.info.arbitrator=podepsán rozhodcem a může podepisovat účty partnerů
@@ -485,7 +490,10 @@ createOffer.setDepositAsBuyer=Nastavit mou kauci jako kupujícího (%)
 createOffer.setDepositForBothTraders=Nastavit kauci obou obchodníků (%)
 createOffer.securityDepositInfo=Kauce vašeho kupujícího bude {0}
 createOffer.securityDepositInfoAsBuyer=Vaše kauce jako kupující bude {0}
-createOffer.minSecurityDepositUsed=Je použita min. záloha kupujícího
+createOffer.minSecurityDepositUsed=Minimální bezpečnostní záloha je použita
+createOffer.buyerAsTakerWithoutDeposit=Žádný vklad od kupujícího (chráněno heslem)
+createOffer.myDeposit=Můj bezpečnostní vklad (%)
+createOffer.myDepositInfo=Vaše záloha na bezpečnost bude {0}
 
 
 ####################################################################
@@ -509,6 +517,8 @@ takeOffer.fundsBox.networkFee=Celkové poplatky za těžbu
 takeOffer.fundsBox.takeOfferSpinnerInfo=Přijímám nabídku: {0}
 takeOffer.fundsBox.paymentLabel=Haveno obchod s ID {0}
 takeOffer.fundsBox.fundsStructure=(kauce {0}, obchodní poplatek {1}, poplatek za těžbu {2})
+takeOffer.fundsBox.noFundingRequiredTitle=Žádné financování požadováno
+takeOffer.fundsBox.noFundingRequiredDescription=Získejte passphrase nabídky od prodávajícího mimo Haveno, abyste tuto nabídku přijali.
 takeOffer.success.headline=Úspěšně jste přijali nabídku.
 takeOffer.success.info=Stav vašeho obchodu můžete vidět v \"Portfolio/Otevřené obchody\".
 takeOffer.error.message=Při převzetí nabídky došlo k chybě.\n\n{0}
@@ -1464,6 +1474,7 @@ offerDetailsWindow.confirm.maker=Potvrďte: Umístit nabídku {0} monero
 offerDetailsWindow.confirm.taker=Potvrďte: Využít nabídku {0} monero
 offerDetailsWindow.creationDate=Datum vzniku
 offerDetailsWindow.makersOnion=Onion adresa tvůrce
+offerDetailsWindow.challenge=Passphrase nabídky
 
 qRCodeWindow.headline=QR Kód
 qRCodeWindow.msg=Použijte tento QR kód k financování vaší peněženky Haveno z vaší externí peněženky.
@@ -1504,7 +1515,7 @@ tacWindow.disagree=Nesouhlasím a odcházím
 tacWindow.arbitrationSystem=Řešení sporů
 
 tradeDetailsWindow.headline=Obchod
-tradeDetailsWindow.disputedPayoutTxId=ID sporné platební transakce:
+tradeDetailsWindow.disputedPayoutTxId=ID sporné platební transakce
 tradeDetailsWindow.tradeDate=Datum obchodu
 tradeDetailsWindow.txFee=Poplatek za těžbu
 tradeDetailsWindow.tradePeersOnion=Onion adresa obchodního partnera
@@ -1689,6 +1700,9 @@ popup.accountSigning.unsignedPubKeys.signed=Pubkeys byly podepsány
 popup.accountSigning.unsignedPubKeys.result.signed=Podepsané pubkeys
 popup.accountSigning.unsignedPubKeys.result.failed=Nepodařilo se podepsat
 
+popup.info.buyerAsTakerWithoutDeposit.headline=Žádný vklad není od kupujícího požadován
+popup.info.buyerAsTakerWithoutDeposit=Vaše nabídka nebude vyžadovat bezpečnostní zálohu ani poplatek od kupujícího XMR.\n\nPro přijetí vaší nabídky musíte sdílet heslo se svým obchodním partnerem mimo Haveno.\n\nHeslo je automaticky vygenerováno a zobrazeno v detailech nabídky po jejím vytvoření.
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1814,6 +1828,7 @@ navigation.support=\"Podpora\"
 
 formatter.formatVolumeLabel={0} částka{1}
 formatter.makerTaker=Tvůrce jako {0} {1} / Příjemce jako {2} {3}
+formatter.makerTakerLocked=Tvůrce jako {0} {1} / Příjemce jako {2} {3} 🔒
 formatter.youAreAsMaker=Jste {1} {0} (jako tvůrce) / Příjemce je {3} {2}
 formatter.youAreAsTaker=Jste {1} {0} (jako příjemce) / Tvůrce je {3} {2}
 formatter.youAre={0}te {1} ({2}te {3})

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

@@ -40,6 +40,8 @@ shared.buyMonero=Monero kaufen
 shared.sellMonero=Monero verkaufen
 shared.buyCurrency={0} kaufen
 shared.sellCurrency={0} verkaufen
+shared.buyCurrencyLocked={0} kaufen 🔒
+shared.sellCurrencyLocked={0} verkaufen 🔒
 shared.buyingXMRWith=kaufe XMR mit {0}
 shared.sellingXMRFor=verkaufe XMR für {0}
 shared.buyingCurrency=kaufe {0} (verkaufe XMR)
@@ -186,7 +188,7 @@ shared.total=Insgesamt
 shared.totalsNeeded=Benötigte Gelder
 shared.tradeWalletAddress=Adresse der Handels-Wallet
 shared.tradeWalletBalance=Guthaben der Handels-Wallet
-shared.reserveExactAmount=Reservieren Sie nur die benötigten Mittel. Es kann erforderlich sein, eine Mining-Gebühr zu zahlen und 10 Bestätigungen (~20 Minuten) abzuwarten, bevor Ihr Angebot aktiv ist.
+shared.reserveExactAmount=Reserviere nur die notwendigen Mittel. Erfordert eine Mining-Gebühr und ca. 20 Minuten, bevor dein Angebot live geht.
 shared.makerTxFee=Ersteller: {0}
 shared.takerTxFee=Abnehmer: {0}
 shared.iConfirm=Ich bestätige
@@ -330,6 +332,7 @@ offerbook.createOffer=Angebot erstellen
 offerbook.takeOffer=Angebot annehmen
 offerbook.takeOfferToBuy=Angebot annehmen {0} zu kaufen
 offerbook.takeOfferToSell=Angebot annehmen {0} zu verkaufen
+offerbook.takeOffer.enterChallenge=Geben Sie das Angebots-Passphrase ein
 offerbook.trader=Händler
 offerbook.offerersBankId=Bankkennung des Erstellers (BIC/SWIFT): {0}
 offerbook.offerersBankName=Bankname des Erstellers: {0}
@@ -340,6 +343,8 @@ offerbook.availableOffers=Verfügbare Angebote
 offerbook.filterByCurrency=Nach Währung filtern
 offerbook.filterByPaymentMethod=Nach Zahlungsmethode filtern
 offerbook.matchingOffers=Angebote die meinen Zahlungskonten entsprechen
+offerbook.filterNoDeposit=Kein Deposit
+offerbook.noDepositOffers=Angebote ohne Einzahlung (Passphrase erforderlich)
 offerbook.timeSinceSigning=Informationen zum Zahlungskonto
 offerbook.timeSinceSigning.info=Dieses Konto wurde verifiziert und {0}
 offerbook.timeSinceSigning.info.arbitrator=von einem Vermittler unterzeichnet und kann Partner-Konten unterzeichnen
@@ -485,7 +490,10 @@ createOffer.setDepositAsBuyer=Meine Kaution als Käufer festlegen (%)
 createOffer.setDepositForBothTraders=Legen Sie die Kaution für beide Handelspartner fest (%)
 createOffer.securityDepositInfo=Die Kaution ihres Käufers wird {0}
 createOffer.securityDepositInfoAsBuyer=Ihre Kaution als Käufer wird {0}
-createOffer.minSecurityDepositUsed=Min. Kaution des Käufers wird verwendet
+createOffer.minSecurityDepositUsed=Der Mindest-Sicherheitsbetrag wird verwendet.
+createOffer.buyerAsTakerWithoutDeposit=Kein Deposit erforderlich vom Käufer (Passphrase geschützt)
+createOffer.myDeposit=Meine Sicherheitsleistung (%)
+createOffer.myDepositInfo=Ihre Sicherheitsleistung beträgt {0}
 
 
 ####################################################################
@@ -509,6 +517,8 @@ takeOffer.fundsBox.networkFee=Gesamte Mining-Gebühr
 takeOffer.fundsBox.takeOfferSpinnerInfo=Angebot annehmen: {0}
 takeOffer.fundsBox.paymentLabel=Haveno-Handel mit der ID {0}
 takeOffer.fundsBox.fundsStructure=({0} Kaution, {1} Handelsgebühr, {2} Mining-Gebühr)
+takeOffer.fundsBox.noFundingRequiredTitle=Keine Finanzierung erforderlich
+takeOffer.fundsBox.noFundingRequiredDescription=Holen Sie sich das Angebots-Passwort vom Verkäufer außerhalb von Haveno, um dieses Angebot anzunehmen.
 takeOffer.success.headline=Sie haben erfolgreich ein Angebot angenommen.
 takeOffer.success.info=Sie können den Status Ihres Trades unter \"Portfolio/Offene Trades\" einsehen.
 takeOffer.error.message=Bei der Angebotsannahme trat ein Fehler auf.\n\n{0}
@@ -1464,6 +1474,7 @@ offerDetailsWindow.confirm.maker=Bestätigen: Anbieten monero zu {0}
 offerDetailsWindow.confirm.taker=Bestätigen: Angebot annehmen monero zu {0}
 offerDetailsWindow.creationDate=Erstellungsdatum
 offerDetailsWindow.makersOnion=Onion-Adresse des Erstellers
+offerDetailsWindow.challenge=Angebots-Passphrase
 
 qRCodeWindow.headline=QR Code
 qRCodeWindow.msg=Bitte nutzen Sie diesen QR Code um Ihr Haveno Wallet von Ihrem externen Wallet aufzuladen.
@@ -1504,7 +1515,7 @@ tacWindow.disagree=Ich stimme nicht zu und beende
 tacWindow.arbitrationSystem=Streitbeilegung
 
 tradeDetailsWindow.headline=Handel
-tradeDetailsWindow.disputedPayoutTxId=Transaktions-ID der strittigen Auszahlung:
+tradeDetailsWindow.disputedPayoutTxId=Transaktions-ID der strittigen Auszahlung
 tradeDetailsWindow.tradeDate=Handelsdatum
 tradeDetailsWindow.txFee=Mining-Gebühr
 tradeDetailsWindow.tradePeersOnion=Onion-Adresse des Handelspartners
@@ -1690,6 +1701,9 @@ popup.accountSigning.unsignedPubKeys.signed=Pubkeys wurden unterzeichnet
 popup.accountSigning.unsignedPubKeys.result.signed=Unterzeichnete Pubkeys
 popup.accountSigning.unsignedPubKeys.result.failed=Unterzeichnung fehlgeschlagen
 
+popup.info.buyerAsTakerWithoutDeposit.headline=Kein Depositum vom Käufer erforderlich
+popup.info.buyerAsTakerWithoutDeposit=Ihr Angebot erfordert keine Sicherheitsleistung oder Gebühr vom XMR-Käufer.\n\nUm Ihr Angebot anzunehmen, müssen Sie ein Passwort mit Ihrem Handelspartner außerhalb von Haveno teilen.\n\nDas Passwort wird automatisch generiert und nach der Erstellung in den Angebotsdetails angezeigt.
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1815,6 +1829,7 @@ navigation.support=\"Support\"
 
 formatter.formatVolumeLabel={0} Betrag{1}
 formatter.makerTaker=Ersteller als {0} {1} / Abnehmer als {2} {3}
+formatter.makerTakerLocked=Ersteller als {0} {1} / Abnehmer als {2} {3} 🔒
 formatter.youAreAsMaker=Sie sind: {1} {0} (Ersteller) / Abnehmer ist: {3} {2}
 formatter.youAreAsTaker=Sie sind: {1} {0} (Abnehmer) / Ersteller ist: {3} {2}
 formatter.youAre=Sie {0} {1} ({2} {3})

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

@@ -40,6 +40,8 @@ shared.buyMonero=Comprar monero
 shared.sellMonero=Vender monero
 shared.buyCurrency=Comprar {0}
 shared.sellCurrency=Vender {0}
+shared.buyCurrencyLocked=Comprar {0} 🔒
+shared.sellCurrencyLocked=Vender {0} 🔒
 shared.buyingXMRWith=Comprando XMR con {0}
 shared.sellingXMRFor=Vendiendo XMR por {0}
 shared.buyingCurrency=comprando {0} (Vendiendo XMR)
@@ -186,7 +188,7 @@ shared.total=Total
 shared.totalsNeeded=Fondos necesarios
 shared.tradeWalletAddress=Dirección de la cartera para intercambio
 shared.tradeWalletBalance=Saldo de la cartera de intercambio
-shared.reserveExactAmount=Reserve solo los fondos necesarios. Podría requerir una tarifa de minería y 10 confirmaciones (~20 minutos) antes de que su oferta esté activa.
+shared.reserveExactAmount=Reserve solo los fondos necesarios. Requiere una tarifa de minería y aproximadamente 20 minutos antes de que tu oferta se haga pública.
 shared.makerTxFee=Creador: {0}
 shared.takerTxFee=Tomador: {0}
 shared.iConfirm=Confirmo
@@ -330,6 +332,7 @@ offerbook.createOffer=Crear oferta
 offerbook.takeOffer=Tomar oferta
 offerbook.takeOfferToBuy=Tomar oferta de compra de {0}
 offerbook.takeOfferToSell=Tomar oferta de venta de {0}
+offerbook.takeOffer.enterChallenge=Introduzca la frase secreta de la oferta
 offerbook.trader=Trader
 offerbook.offerersBankId=ID del banco del creador (BIC/SWIFT): {0}
 offerbook.offerersBankName=Nombre del banco del creador: {0}
@@ -340,6 +343,8 @@ offerbook.availableOffers=Ofertas disponibles
 offerbook.filterByCurrency=Filtrar por moneda
 offerbook.filterByPaymentMethod=Filtrar por método de pago
 offerbook.matchingOffers=Ofertas que concuerden con mis cuentas
+offerbook.filterNoDeposit=Sin depósito
+offerbook.noDepositOffers=Ofertas sin depósito (se requiere frase de paso)
 offerbook.timeSinceSigning=Información de la cuenta
 offerbook.timeSinceSigning.info=Esta cuenta fue verificada y {0}
 offerbook.timeSinceSigning.info.arbitrator=firmada por un árbitro y puede firmar cuentas de pares
@@ -485,7 +490,10 @@ createOffer.setDepositAsBuyer=Establecer mi depósito de seguridad como comprado
 createOffer.setDepositForBothTraders=Establecer el depósito de seguridad para los comerciantes (%)
 createOffer.securityDepositInfo=Su depósito de seguridad como comprador será {0}
 createOffer.securityDepositInfoAsBuyer=Su depósito de seguridad como comprador será {0}
-createOffer.minSecurityDepositUsed=En uso el depósito de seguridad mínimo
+createOffer.minSecurityDepositUsed=Se utiliza un depósito de seguridad mínimo
+createOffer.buyerAsTakerWithoutDeposit=No se requiere depósito del comprador (protegido por passphrase)
+createOffer.myDeposit=Mi depósito de seguridad (%)
+createOffer.myDepositInfo=Tu depósito de seguridad será {0}
 
 
 ####################################################################
@@ -509,6 +517,8 @@ takeOffer.fundsBox.networkFee=Comisiones de minado totales
 takeOffer.fundsBox.takeOfferSpinnerInfo=Aceptando oferta: {0}
 takeOffer.fundsBox.paymentLabel=Intercambio Haveno con ID {0}
 takeOffer.fundsBox.fundsStructure=({0} depósito de seguridad {1} tasa de intercambio, {2} tarifa de minado)
+takeOffer.fundsBox.noFundingRequiredTitle=No se requiere financiamiento
+takeOffer.fundsBox.noFundingRequiredDescription=Obtén la frase de acceso de la oferta del vendedor fuera de Haveno para aceptar esta oferta.
 takeOffer.success.headline=Ha aceptado la oferta con éxito.
 takeOffer.success.info=Puede ver el estado de su intercambio en \"Portafolio/Intercambios abiertos\".
 takeOffer.error.message=Un error ocurrió al tomar la oferta.\n\n{0}
@@ -1465,6 +1475,7 @@ offerDetailsWindow.confirm.maker=Confirmar: Poner oferta para {0} monero
 offerDetailsWindow.confirm.taker=Confirmar: Tomar oferta {0} monero
 offerDetailsWindow.creationDate=Fecha de creación
 offerDetailsWindow.makersOnion=Dirección onion del creador
+offerDetailsWindow.challenge=Frase de contraseña de la oferta
 
 qRCodeWindow.headline=Código QR
 qRCodeWindow.msg=Por favor, utilice este código QR para fondear su billetera Haveno desde su billetera externa.
@@ -1691,6 +1702,9 @@ popup.accountSigning.unsignedPubKeys.signed=Las claves públicas se firmaron
 popup.accountSigning.unsignedPubKeys.result.signed=Claves públicas firmadas
 popup.accountSigning.unsignedPubKeys.result.failed=Error al firmar
 
+popup.info.buyerAsTakerWithoutDeposit.headline=No se requiere depósito del comprador
+popup.info.buyerAsTakerWithoutDeposit=Tu oferta no requerirá un depósito de seguridad ni una tarifa del comprador de XMR.\n\nPara aceptar tu oferta, debes compartir una frase de acceso con tu compañero de comercio fuera de Haveno.\n\nLa frase de acceso se genera automáticamente y se muestra en los detalles de la oferta después de la creación.
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1816,6 +1830,7 @@ navigation.support=\"Soporte\"
 
 formatter.formatVolumeLabel={0} cantidad{1}
 formatter.makerTaker=Creador como {0} {1} / Tomador como {2} {3}
+formatter.makerTakerLocked=Creador como {0} {1} / Tomador como {2} {3} 🔒
 formatter.youAreAsMaker=Usted es: {1} {0} (creador) / El tomador es: {3} {2}
 formatter.youAreAsTaker=Usted es: {1} {0} (tomador) / Creador es: {3} {2}
 formatter.youAre=Usted es {0} {1} ({2} {3})

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

@@ -40,6 +40,8 @@ shared.buyMonero=خرید بیتکوین
 shared.sellMonero=بیتکوین بفروشید
 shared.buyCurrency=خرید {0}
 shared.sellCurrency=فروش {0}
+shared.buyCurrencyLocked=بخر {0} 🔒
+shared.sellCurrencyLocked=فروش {0} 🔒
 shared.buyingXMRWith=خرید بیتکوین با {0}
 shared.sellingXMRFor=فروش بیتکوین با {0}
 shared.buyingCurrency=خرید {0} ( فروش بیتکوین)
@@ -186,7 +188,7 @@ shared.total=مجموع
 shared.totalsNeeded=وجه مورد نیاز
 shared.tradeWalletAddress=آدرس کیف‌پول معاملات
 shared.tradeWalletBalance=موجودی کیف‌پول معاملات
-shared.reserveExactAmount=رزرو فقط مقدار مورد نیاز پول. قبل از فعال شدن پیشنهاد شما، ممکن است نیاز به هزینه استخراج و 10 تایید (~20 دقیقه) باشد.
+shared.reserveExactAmount=فقط وجوه مورد نیاز را رزرو کنید. نیاز به هزینه استخراج و حدود ۲۰ دقیقه زمان قبل از فعال شدن پیشنهاد شما دارد.
 shared.makerTxFee=سفارش گذار: {0}
 shared.takerTxFee=پذیرنده سفارش: {0}
 shared.iConfirm=تایید می‌کنم
@@ -330,6 +332,7 @@ offerbook.createOffer=ایجاد پیشنهاد
 offerbook.takeOffer=برداشتن پیشنهاد
 offerbook.takeOfferToBuy=پیشنهاد خرید {0} را بردار
 offerbook.takeOfferToSell=پیشنهاد فروش {0} را بردار
+offerbook.takeOffer.enterChallenge=عبارت عبور پیشنهاد را وارد کنید
 offerbook.trader=معامله‌گر
 offerbook.offerersBankId=شناسه بانک سفارش‌گذار (BIC/SWIFT): {0}
 offerbook.offerersBankName= نام بانک سفارش‌گذار : {0}
@@ -339,7 +342,9 @@ offerbook.offerersAcceptedBankSeats=بانک‌های کشورهای پذیرف
 offerbook.availableOffers=پیشنهادهای موجود
 offerbook.filterByCurrency=فیلتر بر اساس ارز
 offerbook.filterByPaymentMethod=فیلتر بر اساس روش پرداخت
-offerbook.matchingOffers=Offers matching my accounts
+offerbook.matchingOffers=پیشنهادات متناسب با حساب‌های من
+offerbook.filterNoDeposit=هیچ سپرده‌ای
+offerbook.noDepositOffers=پیشنهادهایی بدون ودیعه (نیاز به عبارت عبور)
 offerbook.timeSinceSigning=Account info
 offerbook.timeSinceSigning.info=This account was verified and {0}
 offerbook.timeSinceSigning.info.arbitrator=signed by an arbitrator and can sign peer accounts
@@ -484,7 +489,10 @@ createOffer.setDepositAsBuyer=تنظیم سپرده‌ی اطمینان من ب
 createOffer.setDepositForBothTraders=Set both traders' security deposit (%)
 createOffer.securityDepositInfo=سپرده‌ی اطمینان خریدار شما {0} خواهد بود
 createOffer.securityDepositInfoAsBuyer=سپرده‌ی اطمینان شما به عنوان خریدار {0} خواهد بود
-createOffer.minSecurityDepositUsed=Min. buyer security deposit is used
+createOffer.minSecurityDepositUsed=حداقل سپرده امنیتی استفاده می‌شود
+createOffer.buyerAsTakerWithoutDeposit=هیچ سپرده‌ای از خریدار مورد نیاز نیست (محافظت شده با پس‌عبارت)
+createOffer.myDeposit=سپرده امنیتی من (%)
+createOffer.myDepositInfo=ودیعه امنیتی شما {0} خواهد بود
 
 
 ####################################################################
@@ -508,6 +516,8 @@ takeOffer.fundsBox.networkFee=کل کارمزد استخراج
 takeOffer.fundsBox.takeOfferSpinnerInfo=پذیرفتن پیشنهاد: {0}
 takeOffer.fundsBox.paymentLabel=معامله Haveno با شناسه‌ی {0}
 takeOffer.fundsBox.fundsStructure=({0} سپرده‌ی اطمینان، {1} هزینه‌ی معامله، {2} هزینه تراکنش شبکه)
+takeOffer.fundsBox.noFundingRequiredTitle=نیاز به تأمین مالی نیست
+takeOffer.fundsBox.noFundingRequiredDescription=برای پذیرش این پیشنهاد، رمزعبور آن را از فروشنده خارج از هاونئو دریافت کنید.
 takeOffer.success.headline=با موفقیت یک پیشنهاد را قبول کرده‌اید.
 takeOffer.success.info=شما می‌توانید وضعیت معامله‌ی خود را در \"سبد سهام /معاملات باز\" ببینید.
 takeOffer.error.message=هنگام قبول کردن پیشنهاد، اتفاقی رخ داده است.\n\n{0}
@@ -1460,6 +1470,7 @@ offerDetailsWindow.confirm.maker=تأیید: پیشنهاد را به {0} بگذ
 offerDetailsWindow.confirm.taker=تأیید: پیشنهاد را به {0} بپذیرید
 offerDetailsWindow.creationDate=تاریخ ایجاد
 offerDetailsWindow.makersOnion=آدرس Onion سفارش گذار
+offerDetailsWindow.challenge=Passphrase de l'offre
 
 qRCodeWindow.headline=QR Code
 qRCodeWindow.msg=Please use this QR code for funding your Haveno wallet from your external wallet.
@@ -1683,6 +1694,9 @@ popup.accountSigning.unsignedPubKeys.signed=Pubkeys were signed
 popup.accountSigning.unsignedPubKeys.result.signed=Signed pubkeys
 popup.accountSigning.unsignedPubKeys.result.failed=Failed to sign
 
+popup.info.buyerAsTakerWithoutDeposit.headline=هیچ پیش‌پرداختی از خریدار مورد نیاز نیست
+popup.info.buyerAsTakerWithoutDeposit=پیشنهاد شما نیاز به ودیعه امنیتی یا هزینه از خریدار XMR ندارد.\n\nبرای پذیرفتن پیشنهاد شما، باید یک پس‌عبارت را با شریک تجاری خود خارج از Haveno به اشتراک بگذارید.\n\nپس‌عبارت به‌طور خودکار تولید می‌شود و پس از ایجاد در جزئیات پیشنهاد نمایش داده می‌شود.
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1808,6 +1822,7 @@ navigation.support=\"پشتیبانی\"
 
 formatter.formatVolumeLabel={0} مبلغ {1}
 formatter.makerTaker=سفارش گذار به عنوان {0} {1} / پذیرنده به عنوان {2} {3}
+formatter.makerTakerLocked=سفارش گذار به عنوان {0} {1} / پذیرنده به عنوان {2} {3} 🔒
 formatter.youAreAsMaker=You are: {1} {0} (maker) / Taker is: {3} {2}
 formatter.youAreAsTaker=You are: {1} {0} (taker) / Maker is: {3} {2}
 formatter.youAre=شما {0} {1} ({2} {3}) هستید

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

@@ -40,6 +40,8 @@ shared.buyMonero=Achat Monero
 shared.sellMonero=Vendre des Moneros
 shared.buyCurrency=Achat {0}
 shared.sellCurrency=Vendre {0}
+shared.buyCurrencyLocked=Achat {0} 🔒
+shared.sellCurrencyLocked=Vendre {0} 🔒
 shared.buyingXMRWith=achat XMR avec {0}
 shared.sellingXMRFor=vendre XMR pour {0}
 shared.buyingCurrency=achat {0} (vente XMR)
@@ -186,7 +188,7 @@ shared.total=Total
 shared.totalsNeeded=Fonds nécessaires
 shared.tradeWalletAddress=Adresse du portefeuille de trading
 shared.tradeWalletBalance=Solde du portefeuille de trading
-shared.reserveExactAmount=Réservez uniquement les fonds nécessaires. Il peut être nécessaire de payer des frais de minage et d'attendre 10 confirmations (~20 minutes) avant que votre offre ne soit active.
+shared.reserveExactAmount=Réservez uniquement les fonds nécessaires. Nécessite des frais de minage et environ 20 minutes avant que votre offre ne soit mise en ligne.
 shared.makerTxFee=Maker: {0}
 shared.takerTxFee=Taker: {0}
 shared.iConfirm=Je confirme
@@ -330,6 +332,7 @@ offerbook.createOffer=Créer un ordre
 offerbook.takeOffer=Accepter un ordre
 offerbook.takeOfferToBuy=Accepter l''ordre d''achat {0}
 offerbook.takeOfferToSell=Accepter l''ordre de vente {0}
+offerbook.takeOffer.enterChallenge=Entrez la phrase secrète de l'offre
 offerbook.trader=Échanger
 offerbook.offerersBankId=ID de la banque du maker (BIC/SWIFT): {0}
 offerbook.offerersBankName=Nom de la banque du maker: {0}
@@ -340,6 +343,8 @@ offerbook.availableOffers=Ordres disponibles
 offerbook.filterByCurrency=Filtrer par devise
 offerbook.filterByPaymentMethod=Filtrer par mode de paiement
 offerbook.matchingOffers=Offres correspondants à mes comptes
+offerbook.filterNoDeposit=Aucun dépôt
+offerbook.noDepositOffers=Offres sans dépôt (passphrase requise)
 offerbook.timeSinceSigning=Informations du compte
 offerbook.timeSinceSigning.info=Ce compte a été vérifié et {0}
 offerbook.timeSinceSigning.info.arbitrator=signé par un arbitre et pouvant signer des comptes pairs
@@ -485,7 +490,10 @@ createOffer.setDepositAsBuyer=Définir mon dépôt de garantie en tant qu'achete
 createOffer.setDepositForBothTraders=Établissez le dépôt de sécurité des deux traders (%)
 createOffer.securityDepositInfo=Le dépôt de garantie de votre acheteur sera de {0}
 createOffer.securityDepositInfoAsBuyer=Votre dépôt de garantie en tant qu''acheteur sera de {0}
-createOffer.minSecurityDepositUsed=Le minimum de dépôt de garantie de l'acheteur est utilisé
+createOffer.minSecurityDepositUsed=Le dépôt de sécurité minimum est utilisé
+createOffer.buyerAsTakerWithoutDeposit=Aucun dépôt requis de la part de l'acheteur (protégé par un mot de passe)
+createOffer.myDeposit=Mon dépôt de garantie (%)
+createOffer.myDepositInfo=Votre dépôt de garantie sera de {0}
 
 
 ####################################################################
@@ -509,6 +517,8 @@ takeOffer.fundsBox.networkFee=Total des frais de minage
 takeOffer.fundsBox.takeOfferSpinnerInfo=Acceptation de l'offre : {0}
 takeOffer.fundsBox.paymentLabel=Transaction Haveno avec l''ID {0}
 takeOffer.fundsBox.fundsStructure=({0} dépôt de garantie, {1} frais de transaction, {2} frais de minage)
+takeOffer.fundsBox.noFundingRequiredTitle=Aucun financement requis
+takeOffer.fundsBox.noFundingRequiredDescription=Obtenez la phrase secrète de l'offre auprès du vendeur en dehors de Haveno pour accepter cette offre.
 takeOffer.success.headline=Vous avez accepté un ordre avec succès.
 takeOffer.success.info=Vous pouvez voir vos transactions dans \"Portfolio/Échanges en cours\".
 takeOffer.error.message=Une erreur s''est produite pendant l’'acceptation de l''ordre.\n\n{0}
@@ -1466,6 +1476,7 @@ offerDetailsWindow.confirm.maker=Confirmer: Placer un ordre de {0} monero
 offerDetailsWindow.confirm.taker=Confirmer: Acceptez l''ordre de {0} monero
 offerDetailsWindow.creationDate=Date de création
 offerDetailsWindow.makersOnion=Adresse onion du maker
+offerDetailsWindow.challenge=Phrase secrète de l'offre
 
 qRCodeWindow.headline=QR Code
 qRCodeWindow.msg=Veuillez utiliser le code QR pour recharger du portefeuille externe au portefeuille Haveno.
@@ -1506,7 +1517,7 @@ tacWindow.disagree=Je ne suis pas d'accord et je quitte
 tacWindow.arbitrationSystem=Règlement du litige
 
 tradeDetailsWindow.headline=Échange
-tradeDetailsWindow.disputedPayoutTxId=ID de la transaction de versement contestée :
+tradeDetailsWindow.disputedPayoutTxId=ID de la transaction de versement contestée
 tradeDetailsWindow.tradeDate=Date de l'échange
 tradeDetailsWindow.txFee=Frais de minage
 tradeDetailsWindow.tradePeersOnion=Adresse onion du pair de trading
@@ -1692,6 +1703,9 @@ popup.accountSigning.unsignedPubKeys.signed=Les clés publiques ont été signé
 popup.accountSigning.unsignedPubKeys.result.signed=Clés publiques signées
 popup.accountSigning.unsignedPubKeys.result.failed=Échec de la signature
 
+popup.info.buyerAsTakerWithoutDeposit.headline=Aucun dépôt requis de la part de l'acheteur
+popup.info.buyerAsTakerWithoutDeposit=Votre offre ne nécessitera pas de dépôt de sécurité ni de frais de la part de l'acheteur XMR.\n\nPour accepter votre offre, vous devez partager un mot de passe avec votre partenaire commercial en dehors de Haveno.\n\nLe mot de passe est généré automatiquement et affiché dans les détails de l'offre après sa création.
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1817,6 +1831,7 @@ navigation.support=\"Assistance\"
 
 formatter.formatVolumeLabel={0} montant{1}
 formatter.makerTaker=Maker comme {0} {1} / Taker comme {2} {3}
+formatter.makerTakerLocked=Maker comme {0} {1} / Taker comme {2} {3} 🔒
 formatter.youAreAsMaker=Vous êtes {1} {0} (maker) / Le preneur est: {3} {2}
 formatter.youAreAsTaker=Vous êtes: {1} {0} (preneur) / Le maker est: {3} {2}
 formatter.youAre=Vous êtes {0} {1} ({2} {3})

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

@@ -40,6 +40,8 @@ shared.buyMonero=Acquista monero
 shared.sellMonero=Vendi monero
 shared.buyCurrency=Acquista {0}
 shared.sellCurrency=Vendi {0}
+shared.buyCurrencyLocked=Acquista {0} 🔒
+shared.sellCurrencyLocked=Vendi {0} 🔒
 shared.buyingXMRWith=acquistando XMR con {0}
 shared.sellingXMRFor=vendendo XMR per {0}
 shared.buyingCurrency=comprando {0} (vendendo XMR)
@@ -186,7 +188,7 @@ shared.total=Totale
 shared.totalsNeeded=Fondi richiesti
 shared.tradeWalletAddress=Indirizzo del portafoglio per gli scambi
 shared.tradeWalletBalance=Saldo del portafogli per gli scambi
-shared.reserveExactAmount=Riserva solo i fondi necessari. Potrebbe essere richiesta una tassa di mining e 10 conferme (~20 minuti) prima che la tua offerta sia attiva.
+shared.reserveExactAmount=Riserva solo i fondi necessari. Richiede una tassa di mining e circa 20 minuti prima che la tua offerta diventi attiva.
 shared.makerTxFee=Maker: {0}
 shared.takerTxFee=Taker: {0}
 shared.iConfirm=Confermo
@@ -330,6 +332,7 @@ offerbook.createOffer=Crea offerta
 offerbook.takeOffer=Accetta offerta
 offerbook.takeOfferToBuy=Accetta l'offerta per acquistare {0}
 offerbook.takeOfferToSell=Accetta l'offerta per vendere {0}
+offerbook.takeOffer.enterChallenge=Inserisci la passphrase dell'offerta
 offerbook.trader=Trader
 offerbook.offerersBankId=ID banca del Maker (BIC/SWIFT): {0}
 offerbook.offerersBankName=Nome della banca del Maker: {0}
@@ -339,7 +342,9 @@ offerbook.offerersAcceptedBankSeats=Sede accettata dei paesi bancari (acquirente
 offerbook.availableOffers=Offerte disponibili
 offerbook.filterByCurrency=Filtra per valuta
 offerbook.filterByPaymentMethod=Filtra per metodo di pagamento
-offerbook.matchingOffers=Offers matching my accounts
+offerbook.matchingOffers=Offerte che corrispondono ai miei account
+offerbook.filterNoDeposit=Nessun deposito
+offerbook.noDepositOffers=Offerte senza deposito (passphrase richiesta)
 offerbook.timeSinceSigning=Account info
 offerbook.timeSinceSigning.info=Questo account è stato verificato e {0}
 offerbook.timeSinceSigning.info.arbitrator=firmato da un arbitro e può firmare account peer
@@ -484,7 +489,10 @@ createOffer.setDepositAsBuyer=Imposta il mio deposito cauzionale come acquirente
 createOffer.setDepositForBothTraders=Set both traders' security deposit (%)
 createOffer.securityDepositInfo=Il deposito cauzionale dell'acquirente sarà {0}
 createOffer.securityDepositInfoAsBuyer=Il tuo deposito cauzionale come acquirente sarà {0}
-createOffer.minSecurityDepositUsed=Viene utilizzato il minimo deposito cauzionale dell'acquirente
+createOffer.minSecurityDepositUsed=Il deposito di sicurezza minimo è utilizzato
+createOffer.buyerAsTakerWithoutDeposit=Nessun deposito richiesto dal compratore (protetto da passphrase)
+createOffer.myDeposit=Il mio deposito di sicurezza (%)
+createOffer.myDepositInfo=Il tuo deposito di sicurezza sarà {0}
 
 
 ####################################################################
@@ -508,6 +516,8 @@ takeOffer.fundsBox.networkFee=Totale commissioni di mining
 takeOffer.fundsBox.takeOfferSpinnerInfo=Accettare l'offerta: {0}
 takeOffer.fundsBox.paymentLabel=Scambia Haveno con ID {0}
 takeOffer.fundsBox.fundsStructure=({0} deposito cauzionale, {1} commissione commerciale, {2} commissione mineraria)
+takeOffer.fundsBox.noFundingRequiredTitle=Nessun finanziamento richiesto
+takeOffer.fundsBox.noFundingRequiredDescription=Ottieni la passphrase dell'offerta dal venditore fuori da Haveno per accettare questa offerta.
 takeOffer.success.headline=Hai accettato con successo un'offerta.
 takeOffer.success.info=Puoi vedere lo stato del tuo scambio su \"Portafoglio/Scambi aperti\".
 takeOffer.error.message=Si è verificato un errore durante l'accettazione dell'offerta.\n\n{0}
@@ -1463,6 +1473,7 @@ offerDetailsWindow.confirm.maker=Conferma: Piazza l'offerta a {0} monero
 offerDetailsWindow.confirm.taker=Conferma: Accetta l'offerta a {0} monero
 offerDetailsWindow.creationDate=Data di creazione
 offerDetailsWindow.makersOnion=Indirizzo .onion del maker
+offerDetailsWindow.challenge=Passphrase dell'offerta
 
 qRCodeWindow.headline=QR Code
 qRCodeWindow.msg=Please use this QR code for funding your Haveno wallet from your external wallet.
@@ -1503,7 +1514,7 @@ tacWindow.disagree=Non accetto ed esco
 tacWindow.arbitrationSystem=Risoluzione disputa
 
 tradeDetailsWindow.headline=Scambio
-tradeDetailsWindow.disputedPayoutTxId=ID transazione di pagamento contestato:
+tradeDetailsWindow.disputedPayoutTxId=ID transazione di pagamento contestato
 tradeDetailsWindow.tradeDate=Data di scambio
 tradeDetailsWindow.txFee=Commissione di mining
 tradeDetailsWindow.tradePeersOnion=Indirizzi onion peer di trading
@@ -1686,6 +1697,9 @@ popup.accountSigning.unsignedPubKeys.signed=Pubkeys were signed
 popup.accountSigning.unsignedPubKeys.result.signed=Signed pubkeys
 popup.accountSigning.unsignedPubKeys.result.failed=Failed to sign
 
+popup.info.buyerAsTakerWithoutDeposit.headline=Nessun deposito richiesto dal compratore
+popup.info.buyerAsTakerWithoutDeposit=La tua offerta non richiederà un deposito di sicurezza o una commissione da parte dell'acquirente XMR.\n\nPer accettare la tua offerta, devi condividere una passphrase con il tuo partner commerciale al di fuori di Haveno.\n\nLa passphrase viene generata automaticamente e mostrata nei dettagli dell'offerta dopo la creazione.
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1811,6 +1825,7 @@ navigation.support=\"Supporto\"
 
 formatter.formatVolumeLabel={0} importo{1}
 formatter.makerTaker=Maker come {0} {1} / Taker come {2} {3}
+formatter.makerTakerLocked=Maker come {0} {1} / Taker come {2} {3} 🔒
 formatter.youAreAsMaker=You are: {1} {0} (maker) / Taker is: {3} {2}
 formatter.youAreAsTaker=You are: {1} {0} (taker) / Maker is: {3} {2}
 formatter.youAre=Sei {0} {1} ({2} {3})

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

@@ -40,6 +40,8 @@ shared.buyMonero=ビットコインを買う
 shared.sellMonero=ビットコインを売る
 shared.buyCurrency={0}を買う
 shared.sellCurrency={0}を売る
+shared.buyCurrencyLocked={0}を買う 🔒
+shared.sellCurrencyLocked={0}を売る 🔒
 shared.buyingXMRWith=XMRを{0}で買う
 shared.sellingXMRFor=XMRを{0}で売る
 shared.buyingCurrency={0}を購入中 (XMRを売却中)
@@ -186,7 +188,7 @@ shared.total=合計
 shared.totalsNeeded=必要な資金
 shared.tradeWalletAddress=トレードウォレットアドレス
 shared.tradeWalletBalance=トレードウォレット残高
-shared.reserveExactAmount=必要な資金のみを予約してください。提供が有効になる前に、マイニング手数料と10回の確認（約20分）が必要な場合があります。
+shared.reserveExactAmount=必要な資金のみを予約してください。オファーが公開されるまでにマイニング手数料と約20分が必要です。
 shared.makerTxFee=メイカー: {0}
 shared.takerTxFee=テイカー: {0}
 shared.iConfirm=確認します
@@ -330,6 +332,7 @@ offerbook.createOffer=オファーを作る
 offerbook.takeOffer=オファーを受ける
 offerbook.takeOfferToBuy={0}購入オファーを受ける
 offerbook.takeOfferToSell={0}売却オファーを受ける
+offerbook.takeOffer.enterChallenge=オファーのパスフレーズを入力してください
 offerbook.trader=取引者
 offerbook.offerersBankId=メイカーの銀行ID (BIC/SWIFT): {0}
 offerbook.offerersBankName=メーカーの銀行名: {0}
@@ -340,6 +343,8 @@ offerbook.availableOffers=利用可能なオファー
 offerbook.filterByCurrency=通貨でフィルター
 offerbook.filterByPaymentMethod=支払い方法でフィルター
 offerbook.matchingOffers=アカウントと一致するオファー
+offerbook.filterNoDeposit=デポジットなし
+offerbook.noDepositOffers=預金不要のオファー（パスフレーズ必須）
 offerbook.timeSinceSigning=アカウント情報
 offerbook.timeSinceSigning.info=このアカウントは認証されまして、{0}
 offerbook.timeSinceSigning.info.arbitrator=調停人に署名されました。ピアアカウントも署名できます
@@ -485,7 +490,10 @@ createOffer.setDepositAsBuyer=購入時のセキュリティデポジット (%)
 createOffer.setDepositForBothTraders=両方の取引者の保証金を設定する(%)
 createOffer.securityDepositInfo=あなたの買い手のセキュリティデポジットは{0}です
 createOffer.securityDepositInfoAsBuyer=あなたの購入時のセキュリティデポジットは{0}です
-createOffer.minSecurityDepositUsed=最小値の買い手の保証金は使用されます
+createOffer.minSecurityDepositUsed=最低セキュリティデポジットが使用されます
+createOffer.buyerAsTakerWithoutDeposit=購入者に保証金は不要（パスフレーズ保護）
+createOffer.myDeposit=私の保証金（％）
+createOffer.myDepositInfo=あなたのセキュリティデポジットは{0}です
 
 
 ####################################################################
@@ -509,6 +517,8 @@ takeOffer.fundsBox.networkFee=合計マイニング手数料
 takeOffer.fundsBox.takeOfferSpinnerInfo=オファーを受け入れる: {0}
 takeOffer.fundsBox.paymentLabel=次のIDとのHavenoトレード: {0}
 takeOffer.fundsBox.fundsStructure=（{0} セキュリティデポジット, {1} 取引手数料, {2}マイニング手数料）
+takeOffer.fundsBox.noFundingRequiredTitle=資金は必要ありません
+takeOffer.fundsBox.noFundingRequiredDescription=このオファーを受けるには、Haveno外で売り手からオファーパスフレーズを取得してください。
 takeOffer.success.headline=オファー受け入れに成功しました
 takeOffer.success.info=あなたのトレード状態は「ポートフォリオ/オープントレード」で見られます
 takeOffer.error.message=オファーの受け入れ時にエラーが発生しました。\n\n{0}
@@ -1464,6 +1474,7 @@ offerDetailsWindow.confirm.maker=承認: ビットコインを{0}オファーを
 offerDetailsWindow.confirm.taker=承認: ビットコインを{0}オファーを受ける
 offerDetailsWindow.creationDate=作成日
 offerDetailsWindow.makersOnion=メイカーのonionアドレス
+offerDetailsWindow.challenge=オファーパスフレーズ
 
 qRCodeWindow.headline=QRコード
 qRCodeWindow.msg=外部ウォレットからHavenoウォレットへ送金するのに、このQRコードを利用して下さい。
@@ -1504,7 +1515,7 @@ tacWindow.disagree=同意せずにに終了
 tacWindow.arbitrationSystem=紛争解決
 
 tradeDetailsWindow.headline=トレード
-tradeDetailsWindow.disputedPayoutTxId=係争中の支払い取引ID:
+tradeDetailsWindow.disputedPayoutTxId=係争中の支払い取引ID
 tradeDetailsWindow.tradeDate=取引日
 tradeDetailsWindow.txFee=マイニング手数料
 tradeDetailsWindow.tradePeersOnion=トレード相手のonionアドレス
@@ -1689,6 +1700,9 @@ popup.accountSigning.unsignedPubKeys.signed=パブリックキーは署名され
 popup.accountSigning.unsignedPubKeys.result.signed=署名されたパブリックキー
 popup.accountSigning.unsignedPubKeys.result.failed=署名が失敗しました
 
+popup.info.buyerAsTakerWithoutDeposit.headline=購入者による保証金は不要
+popup.info.buyerAsTakerWithoutDeposit=あなたのオファーには、XMR購入者からのセキュリティデポジットや手数料は必要ありません。\n\nオファーを受け入れるには、Haveno外で取引相手とパスフレーズを共有する必要があります。\n\nパスフレーズは自動的に生成され、作成後にオファーの詳細に表示されます。
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1814,6 +1828,7 @@ navigation.support=「サポート」
 
 formatter.formatVolumeLabel={0} 額{1}
 formatter.makerTaker=メイカーは{0} {1} / テイカーは{2} {3}
+formatter.makerTakerLocked=メイカーは{0} {1} / テイカーは{2} {3} 🔒
 formatter.youAreAsMaker=あなたは:{1} {0}(メイカー) / テイカーは:{3} {2}
 formatter.youAreAsTaker=あなたは:{1} {0}(テイカー) / メイカーは{3} {2}
 formatter.youAre=あなたは{0} {1} ({2} {3})

core/src/main/resources/i18n/displayStrings_pt-br.properties

@@ -40,6 +40,8 @@ shared.buyMonero=Comprar monero
 shared.sellMonero=Vender monero
 shared.buyCurrency=Comprar {0}
 shared.sellCurrency=Vender {0}
+shared.buyCurrencyLocked=Comprar {0} 🔒
+shared.sellCurrencyLocked=Vender {0} 🔒
 shared.buyingXMRWith=comprando XMR com {0}
 shared.sellingXMRFor=vendendo XMR por {0}
 shared.buyingCurrency=comprando {0} (vendendo XMR)
@@ -186,7 +188,7 @@ shared.total=Total
 shared.totalsNeeded=Fundos necessária
 shared.tradeWalletAddress=Endereço da carteira de negociação
 shared.tradeWalletBalance=Saldo da carteira de negociação
-shared.reserveExactAmount=Reserve apenas os fundos necessários. Pode ser necessário uma taxa de mineração e 10 confirmações (~20 minutos) antes que sua oferta esteja ativa.
+shared.reserveExactAmount=Reserve apenas os fundos necessários. Requer uma taxa de mineração e cerca de 20 minutos antes que sua oferta seja publicada.
 shared.makerTxFee=Ofertante: {0}
 shared.takerTxFee=Aceitador: {0}
 shared.iConfirm=Eu confirmo
@@ -333,6 +335,7 @@ offerbook.createOffer=Criar oferta
 offerbook.takeOffer=Aceitar oferta
 offerbook.takeOfferToBuy=Comprar {0}
 offerbook.takeOfferToSell=Vender {0}
+offerbook.takeOffer.enterChallenge=Digite a senha da oferta
 offerbook.trader=Trader
 offerbook.offerersBankId=ID do banco do ofertante (BIC/SWIFT): {0}
 offerbook.offerersBankName=Nome do banco do ofertante: {0}
@@ -342,7 +345,9 @@ offerbook.offerersAcceptedBankSeats=Países aceitos como sede bancária (tomador
 offerbook.availableOffers=Ofertas disponíveis
 offerbook.filterByCurrency=Filtrar por moeda
 offerbook.filterByPaymentMethod=Filtrar por método de pagamento
-offerbook.matchingOffers=Offers matching my accounts
+offerbook.matchingOffers=Ofertas que correspondem às minhas contas
+offerbook.filterNoDeposit=Sem depósito
+offerbook.noDepositOffers=Ofertas sem depósito (senha necessária)
 offerbook.timeSinceSigning=Account info
 offerbook.timeSinceSigning.info=Esta conta foi verificada e {0}
 offerbook.timeSinceSigning.info.arbitrator=assinada por um árbitro e pode assinar contas de pares
@@ -487,7 +492,10 @@ createOffer.setDepositAsBuyer=Definir o meu depósito de segurança como comprad
 createOffer.setDepositForBothTraders=Set both traders' security deposit (%)
 createOffer.securityDepositInfo=O seu depósito de segurança do comprador será de {0}
 createOffer.securityDepositInfoAsBuyer=O seu depósito de segurança como comprador será de {0}
-createOffer.minSecurityDepositUsed=Depósito de segurança mínimo para compradores foi usado
+createOffer.minSecurityDepositUsed=O depósito de segurança mínimo é utilizado
+createOffer.buyerAsTakerWithoutDeposit=Nenhum depósito necessário do comprador (protegido por senha)
+createOffer.myDeposit=Meu depósito de segurança (%)
+createOffer.myDepositInfo=Seu depósito de segurança será {0}
 
 
 ####################################################################
@@ -511,6 +519,8 @@ takeOffer.fundsBox.networkFee=Total em taxas de mineração
 takeOffer.fundsBox.takeOfferSpinnerInfo=Aceitando a oferta: {0}
 takeOffer.fundsBox.paymentLabel=negociação Haveno com ID {0}
 takeOffer.fundsBox.fundsStructure=({0} depósito de segurança, {1} taxa de transação, {2} taxa de mineração)
+takeOffer.fundsBox.noFundingRequiredTitle=Sem financiamento necessário
+takeOffer.fundsBox.noFundingRequiredDescription=Obtenha a frase secreta da oferta com o vendedor fora do Haveno para aceitar esta oferta.
 takeOffer.success.headline=Você aceitou uma oferta com sucesso.
 takeOffer.success.info=Você pode ver o status de sua negociação em \"Portfolio/Negociações em aberto\".
 takeOffer.error.message=Ocorreu um erro ao aceitar a oferta.\n\n{0}
@@ -1467,6 +1477,7 @@ offerDetailsWindow.confirm.maker=Criar oferta para {0} monero
 offerDetailsWindow.confirm.taker=Confirmar: Aceitar oferta de {0} monero
 offerDetailsWindow.creationDate=Criada em
 offerDetailsWindow.makersOnion=Endereço onion do ofertante
+offerDetailsWindow.challenge=Passphrase da oferta
 
 qRCodeWindow.headline=QR Code
 qRCodeWindow.msg=Please use this QR code for funding your Haveno wallet from your external wallet.
@@ -1507,7 +1518,7 @@ tacWindow.disagree=Eu não concordo e desisto
 tacWindow.arbitrationSystem=Resolução de disputas
 
 tradeDetailsWindow.headline=Negociação
-tradeDetailsWindow.disputedPayoutTxId=ID de transação do pagamento disputado:
+tradeDetailsWindow.disputedPayoutTxId=ID de transação do pagamento disputado
 tradeDetailsWindow.tradeDate=Data da negociação
 tradeDetailsWindow.txFee=Taxa de mineração
 tradeDetailsWindow.tradePeersOnion=Endereço onion dos parceiros de negociação
@@ -1693,6 +1704,9 @@ popup.accountSigning.unsignedPubKeys.signed=Pubkeys were signed
 popup.accountSigning.unsignedPubKeys.result.signed=Signed pubkeys
 popup.accountSigning.unsignedPubKeys.result.failed=Failed to sign
 
+popup.info.buyerAsTakerWithoutDeposit.headline=Nenhum depósito exigido do comprador
+popup.info.buyerAsTakerWithoutDeposit=Sua oferta não exigirá um depósito de segurança ou taxa do comprador de XMR.\n\nPara aceitar sua oferta, você deve compartilhar uma senha com seu parceiro de negociação fora do Haveno.\n\nA senha é gerada automaticamente e exibida nos detalhes da oferta após a criação.
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1818,6 +1832,7 @@ navigation.support=\"Suporte\"
 
 formatter.formatVolumeLabel={0} quantia{1}
 formatter.makerTaker=Ofertante: {1} de {0} / Aceitador: {3} de {2}
+formatter.makerTakerLocked=Ofertante: {1} de {0} / Aceitador: {3} de {2} 🔒
 formatter.youAreAsMaker=You are: {1} {0} (maker) / Taker is: {3} {2}
 formatter.youAreAsTaker=You are: {1} {0} (taker) / Maker is: {3} {2}
 formatter.youAre=Você está {0} {1} ({2} {3})

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

@@ -40,6 +40,8 @@ shared.buyMonero=Comprar monero
 shared.sellMonero=Vender monero
 shared.buyCurrency=Comprar {0}
 shared.sellCurrency=Vender {0}
+shared.buyCurrencyLocked=Comprar {0} 🔒
+shared.sellCurrencyLocked=Vender {0} 🔒
 shared.buyingXMRWith=comprando XMR com {0}
 shared.sellingXMRFor=vendendo XMR por {0}
 shared.buyingCurrency=comprando {0} (vendendo XMR)
@@ -186,14 +188,14 @@ shared.total=Total
 shared.totalsNeeded=Fundos necessários
 shared.tradeWalletAddress=Endereço da carteira do negócio
 shared.tradeWalletBalance=Saldo da carteira de negócio
-shared.reserveExactAmount=Reserve apenas os fundos necessários. Pode ser necessário uma taxa de mineração e 10 confirmações (~20 minutos) antes que sua oferta seja ativada.
+shared.reserveExactAmount=Reserve apenas os fundos necessários. Requer uma taxa de mineração e ~20 minutos antes que sua oferta seja publicada.
 shared.makerTxFee=Ofertante: {0}
 shared.takerTxFee=Aceitador: {0}
 shared.iConfirm=Eu confirmo
 shared.openURL=Abrir {0}
 shared.fiat=Moeda fiduciária
 shared.crypto=Cripto
-shared.preciousMetals=TODO
+shared.preciousMetals=Metais Preciosos
 shared.all=Tudo
 shared.edit=Editar
 shared.advancedOptions=Opções avançadas
@@ -330,6 +332,7 @@ offerbook.createOffer=Criar oferta
 offerbook.takeOffer=Aceitar oferta
 offerbook.takeOfferToBuy=Aceitar oferta para comprar {0}
 offerbook.takeOfferToSell=Aceitar oferta para vender {0}
+offerbook.takeOffer.enterChallenge=Digite a senha da oferta
 offerbook.trader=Negociador
 offerbook.offerersBankId=ID do banco do ofertante (BIC/SWIFT): {0}
 offerbook.offerersBankName=Nome do banco do ofertante: {0}
@@ -339,7 +342,9 @@ offerbook.offerersAcceptedBankSeats=Sede do banco aceite (aceitador):\n {0}
 offerbook.availableOffers=Ofertas disponíveis
 offerbook.filterByCurrency=Filtrar por moeda
 offerbook.filterByPaymentMethod=Filtrar por método de pagamento
-offerbook.matchingOffers=Offers matching my accounts
+offerbook.matchingOffers=Ofertas que correspondem às minhas contas
+offerbook.filterNoDeposit=Sem depósito
+offerbook.noDepositOffers=Ofertas sem depósito (senha necessária)
 offerbook.timeSinceSigning=Account info
 offerbook.timeSinceSigning.info=Esta conta foi verificada e {0}
 offerbook.timeSinceSigning.info.arbitrator=assinada pelo árbitro e pode assinar contas de pares
@@ -484,7 +489,10 @@ createOffer.setDepositAsBuyer=Definir o meu depósito de segurança enquanto com
 createOffer.setDepositForBothTraders=Set both traders' security deposit (%)
 createOffer.securityDepositInfo=O depósito de segurança do seu comprador será {0}
 createOffer.securityDepositInfoAsBuyer=O seu depósito de segurança enquanto comprador será {0}
-createOffer.minSecurityDepositUsed=O mín. depósito de segurança para o comprador é utilizado
+createOffer.minSecurityDepositUsed=O depósito de segurança mínimo é utilizado
+createOffer.buyerAsTakerWithoutDeposit=Nenhum depósito exigido do comprador (protegido por frase secreta)
+createOffer.myDeposit=Meu depósito de segurança (%)
+createOffer.myDepositInfo=Seu depósito de segurança será {0}
 
 
 ####################################################################
@@ -508,6 +516,8 @@ takeOffer.fundsBox.networkFee=Total de taxas de mineração
 takeOffer.fundsBox.takeOfferSpinnerInfo=Aceitando a oferta: {0}
 takeOffer.fundsBox.paymentLabel=negócio do Haveno com ID {0}
 takeOffer.fundsBox.fundsStructure=({0} depósito de segurança, {1} taxa de negócio, {2} taxa de mineração)
+takeOffer.fundsBox.noFundingRequiredTitle=Nenhum financiamento necessário
+takeOffer.fundsBox.noFundingRequiredDescription=Obtenha a senha da oferta com o vendedor fora do Haveno para aceitar esta oferta.
 takeOffer.success.headline=Você aceitou uma oferta com sucesso.
 takeOffer.success.info=Você pode ver o estado de seu negócio em \"Portefólio/Negócios abertos\".
 takeOffer.error.message=Ocorreu um erro ao aceitar a oferta .\n\n{0}
@@ -1460,6 +1470,7 @@ offerDetailsWindow.confirm.maker=Confirmar: Criar oferta para {0} monero
 offerDetailsWindow.confirm.taker=Confirmar: Aceitar oferta de {0} monero
 offerDetailsWindow.creationDate=Data de criação
 offerDetailsWindow.makersOnion=Endereço onion do ofertante
+offerDetailsWindow.challenge=Passphrase da oferta
 
 qRCodeWindow.headline=QR Code
 qRCodeWindow.msg=Please use this QR code for funding your Haveno wallet from your external wallet.
@@ -1500,7 +1511,7 @@ tacWindow.disagree=Eu não concordo e desisto
 tacWindow.arbitrationSystem=Resolução da disputa
 
 tradeDetailsWindow.headline=Negócio
-tradeDetailsWindow.disputedPayoutTxId=ID de transação do pagamento disputado:
+tradeDetailsWindow.disputedPayoutTxId=ID de transação do pagamento disputado
 tradeDetailsWindow.tradeDate=Data de negócio
 tradeDetailsWindow.txFee=Taxa de mineração
 tradeDetailsWindow.tradePeersOnion=Endereço onion dos parceiros de negociação
@@ -1683,6 +1694,9 @@ popup.accountSigning.unsignedPubKeys.signed=Pubkeys were signed
 popup.accountSigning.unsignedPubKeys.result.signed=Signed pubkeys
 popup.accountSigning.unsignedPubKeys.result.failed=Failed to sign
 
+popup.info.buyerAsTakerWithoutDeposit.headline=Nenhum depósito exigido do comprador
+popup.info.buyerAsTakerWithoutDeposit=Sua oferta não exigirá um depósito de segurança ou taxa do comprador de XMR.\n\nPara aceitar sua oferta, você deve compartilhar uma senha com seu parceiro comercial fora do Haveno.\n\nA senha é gerada automaticamente e exibida nos detalhes da oferta após a criação.
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1808,6 +1822,7 @@ navigation.support=\"Apoio\"
 
 formatter.formatVolumeLabel={0} quantia{1}
 formatter.makerTaker=Ofertante como {0} {1} / Aceitador como {2} {3}
+formatter.makerTakerLocked=Ofertante como {0} {1} / Aceitador como {2} {3} 🔒
 formatter.youAreAsMaker=You are: {1} {0} (maker) / Taker is: {3} {2}
 formatter.youAreAsTaker=You are: {1} {0} (taker) / Maker is: {3} {2}
 formatter.youAre=Você é {0} {1} ({2} {3})

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

@@ -40,6 +40,8 @@ shared.buyMonero=Купить биткойн
 shared.sellMonero=Продать биткойн
 shared.buyCurrency=Купить {0}
 shared.sellCurrency=Продать {0}
+shared.buyCurrencyLocked=Купить {0} 🔒
+shared.sellCurrencyLocked=Продать {0} 🔒
 shared.buyingXMRWith=покупка ВТС за {0}
 shared.sellingXMRFor=продажа ВТС за {0}
 shared.buyingCurrency=покупка {0} (продажа ВТС)
@@ -186,7 +188,7 @@ shared.total=Всего
 shared.totalsNeeded=Требуемая сумма
 shared.tradeWalletAddress=Адрес кошелька сделки
 shared.tradeWalletBalance=Баланс кошелька сделки
-shared.reserveExactAmount=Зарезервируйте только необходимые средства. Может потребоваться комиссия за майнинг и 10 подтверждений (~20 минут), прежде чем ваше предложение станет активным.
+shared.reserveExactAmount=Резервируйте только необходимые средства. Требуется комиссия за майнинг и ~20 минут, прежде чем ваше предложение станет активным.
 shared.makerTxFee=Мейкер: {0}
 shared.takerTxFee=Тейкер: {0}
 shared.iConfirm=Подтверждаю
@@ -330,6 +332,7 @@ offerbook.createOffer=Создать предложение
 offerbook.takeOffer=Принять предложение
 offerbook.takeOfferToBuy=Принять предложение купить {0}
 offerbook.takeOfferToSell=Принять предложение продать {0}
+offerbook.takeOffer.enterChallenge=Введите фразу-пароль предложения
 offerbook.trader=Трейдер
 offerbook.offerersBankId=Идент. банка (BIC/SWIFT) мейкера: {0}
 offerbook.offerersBankName=Название банка мейкера: {0}
@@ -339,7 +342,9 @@ offerbook.offerersAcceptedBankSeats=Допустимые страны банка
 offerbook.availableOffers=Доступные предложения
 offerbook.filterByCurrency=Фильтровать по валюте
 offerbook.filterByPaymentMethod=Фильтровать по способу оплаты
-offerbook.matchingOffers=Offers matching my accounts
+offerbook.matchingOffers=Предложения, соответствующие моим аккаунтам
+offerbook.filterNoDeposit=Нет депозита
+offerbook.noDepositOffers=Предложения без депозита (требуется пароль)
 offerbook.timeSinceSigning=Account info
 offerbook.timeSinceSigning.info=This account was verified and {0}
 offerbook.timeSinceSigning.info.arbitrator=signed by an arbitrator and can sign peer accounts
@@ -484,7 +489,10 @@ createOffer.setDepositAsBuyer=Установить мой залог как по
 createOffer.setDepositForBothTraders=Set both traders' security deposit (%)
 createOffer.securityDepositInfo=Сумма залога покупателя: {0}
 createOffer.securityDepositInfoAsBuyer=Сумма вашего залога: {0}
-createOffer.minSecurityDepositUsed=Min. buyer security deposit is used
+createOffer.minSecurityDepositUsed=Минимальный залог используется
+createOffer.buyerAsTakerWithoutDeposit=Залог от покупателя не требуется (защищено паролем)
+createOffer.myDeposit=Мой залог (%)
+createOffer.myDepositInfo=Ваш залог составит {0}
 
 
 ####################################################################
@@ -508,6 +516,8 @@ takeOffer.fundsBox.networkFee=Oбщая комиссия майнера
 takeOffer.fundsBox.takeOfferSpinnerInfo=Принятие предложения: {0}
 takeOffer.fundsBox.paymentLabel=Сделка в Haveno с идентификатором {0}
 takeOffer.fundsBox.fundsStructure=({0} — залог, {1} — комиссия за сделку, {2} — комиссия майнера)
+takeOffer.fundsBox.noFundingRequiredTitle=Не требуется финансирование
+takeOffer.fundsBox.noFundingRequiredDescription=Получите пароль предложения от продавца вне Haveno, чтобы принять это предложение.
 takeOffer.success.headline=Вы успешно приняли предложение.
 takeOffer.success.info=Статус вашей сделки отображается в разделе \«Папка/Текущие сделки\».
 takeOffer.error.message=Ошибка при принятии предложения:\n\n{0}
@@ -1461,6 +1471,7 @@ offerDetailsWindow.confirm.maker=Подтвердите: разместить п
 offerDetailsWindow.confirm.taker=Подтвердите: принять предложение {0} биткойн
 offerDetailsWindow.creationDate=Дата создания
 offerDetailsWindow.makersOnion=Onion-адрес мейкера
+offerDetailsWindow.challenge=Пароль предложения
 
 qRCodeWindow.headline=QR Code
 qRCodeWindow.msg=Please use this QR code for funding your Haveno wallet from your external wallet.
@@ -1684,6 +1695,9 @@ popup.accountSigning.unsignedPubKeys.signed=Pubkeys were signed
 popup.accountSigning.unsignedPubKeys.result.signed=Signed pubkeys
 popup.accountSigning.unsignedPubKeys.result.failed=Failed to sign
 
+popup.info.buyerAsTakerWithoutDeposit.headline=Депозит от покупателя не требуется
+popup.info.buyerAsTakerWithoutDeposit=Ваше предложение не потребует залога или комиссии от покупателя XMR.\n\nЧтобы принять ваше предложение, вы должны поделиться парольной фразой с вашим торговым партнером вне Haveno.\n\nПарольная фраза генерируется автоматически и отображается в деталях предложения после его создания.
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1809,6 +1823,7 @@ navigation.support=\«Поддержка\»
 
 formatter.formatVolumeLabel={0} сумма {1}
 formatter.makerTaker=Мейкер как {0} {1} / Тейкер как {2} {3}
+formatter.makerTakerLocked=Мейкер как {0} {1} / Тейкер как {2} {3} 🔒
 formatter.youAreAsMaker=You are: {1} {0} (maker) / Taker is: {3} {2}
 formatter.youAreAsTaker=You are: {1} {0} (taker) / Maker is: {3} {2}
 formatter.youAre=Вы {0} {1} ({2} {3})

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

@@ -40,6 +40,8 @@ shared.buyMonero=ซื้อ  monero (บิตคอยน์)
 shared.sellMonero=ขาย monero (บิตคอยน์)
 shared.buyCurrency=ซื้อ {0}
 shared.sellCurrency=ขาย {0}
+shared.buyCurrencyLocked=ซื้อ {0} 🔒
+shared.sellCurrencyLocked=ขาย {0} 🔒
 shared.buyingXMRWith=การซื้อ XMR กับ {0}
 shared.sellingXMRFor=การขาย XMR แก่ {0}
 shared.buyingCurrency=การซื้อ {0} (การขาย XMR)
@@ -186,7 +188,7 @@ shared.total=ยอดทั้งหมด
 shared.totalsNeeded=เงินที่จำเป็น
 shared.tradeWalletAddress=ที่อยู่ Trade wallet
 shared.tradeWalletBalance=ยอดคงเหลือของ Trade wallet
-shared.reserveExactAmount=สงวนเฉพาะเงินทุนที่จำเป็นเท่านั้น อาจจะต้องเสียค่าขุดแร่และรับรอง 10 ครั้ง (~20 นาที) ก่อนที่ข้อเสนอของคุณจะเป็นสถานะออนไลน์
+shared.reserveExactAmount=สำรองเฉพาะเงินที่จำเป็น ต้องใช้ค่าธรรมเนียมการขุดและเวลาประมาณ 20 นาทีก่อนที่ข้อเสนอของคุณจะเผยแพร่
 shared.makerTxFee=ผู้ทำ: {0}
 shared.takerTxFee=ผู้รับ: {0}
 shared.iConfirm=ฉันยืนยัน
@@ -330,6 +332,7 @@ offerbook.createOffer=สร้างข้อเสนอ
 offerbook.takeOffer=รับข้อเสนอ
 offerbook.takeOfferToBuy=Take offer to buy {0}
 offerbook.takeOfferToSell=Take offer to sell {0}
+offerbook.takeOffer.enterChallenge=กรอกพาสเฟรสข้อเสนอ
 offerbook.trader=Trader (เทรดเดอร์)
 offerbook.offerersBankId=รหัสธนาคารของผู้สร้าง (BIC / SWIFT): {0}
 offerbook.offerersBankName=ชื่อธนาคารของผู้สร้าง: {0}
@@ -339,7 +342,9 @@ offerbook.offerersAcceptedBankSeats=ยอมรับตำแหน่งป
 offerbook.availableOffers=ข้อเสนอที่พร้อมใช้งาน
 offerbook.filterByCurrency=กรองตามสกุลเงิน
 offerbook.filterByPaymentMethod=ตัวกรองตามวิธีการชำระเงิน
-offerbook.matchingOffers=Offers matching my accounts
+offerbook.matchingOffers=ข้อเสนอที่ตรงกับบัญชีของฉัน
+offerbook.filterNoDeposit=ไม่มีเงินมัดจำ
+offerbook.noDepositOffers=ข้อเสนอที่ไม่มีเงินมัดจำ (ต้องการรหัสผ่าน)
 offerbook.timeSinceSigning=Account info
 offerbook.timeSinceSigning.info=This account was verified and {0}
 offerbook.timeSinceSigning.info.arbitrator=signed by an arbitrator and can sign peer accounts
@@ -484,7 +489,10 @@ createOffer.setDepositAsBuyer=Set my security deposit as buyer (%)
 createOffer.setDepositForBothTraders=Set both traders' security deposit (%)
 createOffer.securityDepositInfo=Your buyer''s security deposit will be {0}
 createOffer.securityDepositInfoAsBuyer=Your security deposit as buyer will be {0}
-createOffer.minSecurityDepositUsed=Min. buyer security deposit is used
+createOffer.minSecurityDepositUsed=เงินประกันความปลอดภัยขั้นต่ำถูกใช้
+createOffer.buyerAsTakerWithoutDeposit=ไม่ต้องวางมัดจำจากผู้ซื้อ (ป้องกันด้วยรหัสผ่าน)
+createOffer.myDeposit=เงินประกันความปลอดภัยของฉัน (%)
+createOffer.myDepositInfo=เงินประกันความปลอดภัยของคุณจะเป็น {0}
 
 
 ####################################################################
@@ -508,6 +516,8 @@ takeOffer.fundsBox.networkFee=ยอดรวมค่าธรรมเนี
 takeOffer.fundsBox.takeOfferSpinnerInfo=ยอมรับข้อเสนอ: {0}
 takeOffer.fundsBox.paymentLabel=การซื้อขาย Haveno ด้วย ID {0}
 takeOffer.fundsBox.fundsStructure=({0} เงินประกัน {1} ค่าธรรมเนียมการซื้อขาย {2} ค่าธรรมเนียมการขุด)
+takeOffer.fundsBox.noFundingRequiredTitle=ไม่ต้องใช้เงินทุน
+takeOffer.fundsBox.noFundingRequiredDescription=รับรหัสผ่านข้อเสนอจากผู้ขายภายนอก Haveno เพื่อรับข้อเสนอนี้
 takeOffer.success.headline=คุณได้รับข้อเสนอเป็นที่เรีบยร้อยแล้ว
 takeOffer.success.info=คุณสามารถดูสถานะการค้าของคุณได้ที่ \ "Portfolio (แฟ้มผลงาน) / เปิดการซื้อขาย \"
 takeOffer.error.message=เกิดข้อผิดพลาดขณะรับข้อเสนอ\n\n{0}
@@ -1461,6 +1471,7 @@ offerDetailsWindow.confirm.maker=ยืนยัน: ยื่นข้อเส
 offerDetailsWindow.confirm.taker=ยืนยัน: รับข้อเสนอไปยัง {0} บิทคอยน์
 offerDetailsWindow.creationDate=วันที่สร้าง
 offerDetailsWindow.makersOnion=ที่อยู่ onion ของผู้สร้าง
+offerDetailsWindow.challenge=รหัสผ่านสำหรับข้อเสนอ
 
 qRCodeWindow.headline=QR Code
 qRCodeWindow.msg=Please use this QR code for funding your Haveno wallet from your external wallet.
@@ -1501,7 +1512,7 @@ tacWindow.disagree=ฉันไม่เห็นด้วยและออก
 tacWindow.arbitrationSystem=Dispute resolution
 
 tradeDetailsWindow.headline=ซื้อขาย
-tradeDetailsWindow.disputedPayoutTxId=รหัส ID ธุรกรรมการจ่ายเงินที่พิพาท:
+tradeDetailsWindow.disputedPayoutTxId=รหัส ID ธุรกรรมการจ่ายเงินที่พิพาท
 tradeDetailsWindow.tradeDate=วันที่ซื้อขาย
 tradeDetailsWindow.txFee=ค่าธรรมเนียมการขุด
 tradeDetailsWindow.tradePeersOnion=ที่อยู่ของ onion คู่ค้า
@@ -1684,6 +1695,9 @@ popup.accountSigning.unsignedPubKeys.signed=Pubkeys were signed
 popup.accountSigning.unsignedPubKeys.result.signed=Signed pubkeys
 popup.accountSigning.unsignedPubKeys.result.failed=Failed to sign
 
+popup.info.buyerAsTakerWithoutDeposit.headline=ไม่ต้องมีเงินมัดจำจากผู้ซื้อ
+popup.info.buyerAsTakerWithoutDeposit=ข้อเสนอของคุณจะไม่ต้องการเงินมัดจำหรือค่าธรรมเนียมจากผู้ซื้อ XMR\n\nในการยอมรับข้อเสนอของคุณ คุณต้องแบ่งปันรหัสผ่านกับคู่ค้าการค้าของคุณภายนอก Haveno\n\nรหัสผ่านจะถูกสร้างโดยอัตโนมัติและแสดงในรายละเอียดข้อเสนอหลังจากการสร้าง
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1809,6 +1823,7 @@ navigation.support=\"ช่วยเหลือและสนับสนุ
 
 formatter.formatVolumeLabel={0} จำนวนยอด{1}
 formatter.makerTaker=ผู้สร้าง เป็น {0} {1} / ผู้รับเป็น {2} {3}
+formatter.makerTakerLocked=ผู้สร้าง เป็น {0} {1} / ผู้รับเป็น {2} {3} 🔒
 formatter.youAreAsMaker=You are: {1} {0} (maker) / Taker is: {3} {2}
 formatter.youAreAsTaker=You are: {1} {0} (taker) / Maker is: {3} {2}
 formatter.youAre=คุณคือ {0} {1} ({2} {3})

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

@@ -43,6 +43,8 @@ shared.buyMonero=Monero Satın Al
 shared.sellMonero=Monero Sat
 shared.buyCurrency={0} satın al
 shared.sellCurrency={0} sat
+shared.buyCurrencyLocked={0} satın al 🔒
+shared.sellCurrencyLocked={0} sat 🔒
 shared.buyingXMRWith={0} ile XMR satın alınıyor
 shared.sellingXMRFor={0} karşılığında XMR satılıyor
 shared.buyingCurrency={0} satın alınıyor (XMR satılıyor)
@@ -198,7 +200,7 @@ shared.total=Toplam
 shared.totalsNeeded=Gereken fonlar
 shared.tradeWalletAddress=İşlem cüzdan adresi
 shared.tradeWalletBalance=İşlem cüzdan bakiyesi
-shared.reserveExactAmount=Sadece gerekli fonları ayırın. Teklifinizin aktif olması için madencilik ücreti ve 10 onay (yaklaşık 20 dakika) gerekebilir.
+shared.reserveExactAmount=Yalnızca gerekli fonları ayırın. Teklifinizin aktif hale gelmesi için bir madencilik ücreti ve yaklaşık 20 dakika gereklidir.
 shared.makerTxFee=Yapıcı: {0}
 shared.takerTxFee=Alıcı: {0}
 shared.iConfirm=Onaylıyorum
@@ -346,6 +348,7 @@ market.trades.showVolumeInUSD=Hacmi USD olarak göster
 offerbook.createOffer=Teklif oluştur
 offerbook.takeOffer=Teklif al
 offerbook.takeOffer.createAccount=Hesap oluştur ve teklifi al
+offerbook.takeOffer.enterChallenge=Teklif şifresini girin
 offerbook.trader=Yatırımcı
 offerbook.offerersBankId=Yapıcının banka kimliği (BIC/SWIFT): {0}
 offerbook.offerersBankName=Yapıcının banka adı: {0}
@@ -357,6 +360,8 @@ offerbook.availableOffersToSell={0} için {1} sat
 offerbook.filterByCurrency=Para birimini seç
 offerbook.filterByPaymentMethod=Ödeme yöntemini seç
 offerbook.matchingOffers=Uygun Teklif
+offerbook.filterNoDeposit=Depozito yok
+offerbook.noDepositOffers=Depozitosuz teklifler (şifre gereklidir)
 offerbook.timeSinceSigning=Hesap bilgisi
 offerbook.timeSinceSigning.info.arbitrator=bir hakem tarafından imzalandı ve eş hesaplarını imzalayabilir
 offerbook.timeSinceSigning.info.peer=bir eş tarafından imzalandı, limitlerin kaldırılması için %d gün bekleniyor
@@ -524,7 +529,10 @@ createOffer.setDepositAsBuyer=Alıcı olarak benim güvenlik teminatımı ayarla
 createOffer.setDepositForBothTraders=Tüccarların güvenlik teminatı (%)
 createOffer.securityDepositInfo=Alıcının güvenlik teminatı {0} olacak
 createOffer.securityDepositInfoAsBuyer=Alıcı olarak güvenlik teminatınız {0} olacak
-createOffer.minSecurityDepositUsed=Minimum alıcı güvenlik teminatı kullanıldı
+createOffer.minSecurityDepositUsed=Minimum güvenlik depozitosu kullanılır
+createOffer.buyerAsTakerWithoutDeposit=Alıcıdan depozito gerekmez (şifre korumalı)
+createOffer.myDeposit=Güvenlik depozitam (%)
+createOffer.myDepositInfo=Güvenlik depozitonuz {0} olacaktır.
 
 
 ####################################################################
@@ -550,6 +558,8 @@ takeOffer.fundsBox.networkFee=Toplam madencilik ücretleri
 takeOffer.fundsBox.takeOfferSpinnerInfo=Teklif alınıyor: {0}
 takeOffer.fundsBox.paymentLabel=ID {0} ile Haveno işlemi
 takeOffer.fundsBox.fundsStructure=({0} güvenlik teminatı, {1} işlem ücreti)
+takeOffer.fundsBox.noFundingRequiredTitle=Fonlama gerekmez
+takeOffer.fundsBox.noFundingRequiredDescription=Bu teklifi almak için satıcıdan passphrase'i Haveno dışında alınız.
 takeOffer.success.headline=Teklifi başarıyla aldınız.
 takeOffer.success.info=İşleminizin durumunu \"Portföy/Açık işlemler\" kısmında görebilirsiniz.
 takeOffer.error.message=Teklif alımı sırasında bir hata oluştu.\n\n{0}
@@ -1963,6 +1973,7 @@ offerDetailsWindow.confirm.taker=Onayla: {0} monero teklifi al
 offerDetailsWindow.confirm.takerCrypto=Onayla: {0} {1} teklifi al
 offerDetailsWindow.creationDate=Oluşturma tarihi
 offerDetailsWindow.makersOnion=Yapıcı'nın onion adresi
+offerDetailsWindow.challenge=Teklif şifresi
 
 qRCodeWindow.headline=QR Kodu
 qRCodeWindow.msg=Harici cüzdanınızdan Haveno cüzdanınızı finanse etmek için bu QR kodunu kullanın.
@@ -2011,7 +2022,7 @@ tacWindow.disagree=Kabul etmiyorum ve çıkıyorum
 tacWindow.arbitrationSystem=Uyuşmazlık çözümü
 
 tradeDetailsWindow.headline=Ticaret
-tradeDetailsWindow.disputedPayoutTxId=Uyuşmazlık konusu olan ödeme işlem kimliği:
+tradeDetailsWindow.disputedPayoutTxId=Uyuşmazlık konusu olan ödeme işlem kimliği
 tradeDetailsWindow.tradeDate=Ticaret tarihi
 tradeDetailsWindow.txFee=Madencilik ücreti
 tradeDetailsWindow.tradePeersOnion=Ticaret ortaklarının onion adresi
@@ -2260,6 +2271,9 @@ popup.accountSigning.unsignedPubKeys.signed=Pubkey'ler imzalandı
 popup.accountSigning.unsignedPubKeys.result.signed=İmzalanmış pubkey'ler
 popup.accountSigning.unsignedPubKeys.result.failed=İmzalama başarısız oldu
 
+popup.info.buyerAsTakerWithoutDeposit.headline=Alıcıdan depozito gerekmez
+popup.info.buyerAsTakerWithoutDeposit=Teklifiniz, XMR alıcısından güvenlik depozitosu veya ücret talep etmeyecektir.\n\nTeklifinizi kabul etmek için, ticaret ortağınızla Haveno dışında bir şifre paylaşmalısınız.\n\nŞifre otomatik olarak oluşturulur ve oluşturulduktan sonra teklif detaylarında görüntülenir.
+
 popup.info.torMigration.msg=Haveno düğümünüz muhtemelen eski bir Tor v2 adresi kullanıyor. \
   Lütfen Haveno düğümünüzü bir Tor v3 adresine geçirin. \
   Önceden veri dizininizi yedeklediğinizden emin olun.
@@ -2399,6 +2413,7 @@ navigation.support="Destek"
 
 formatter.formatVolumeLabel={0} miktar{1}
 formatter.makerTaker=Yapan olarak {0} {1} / Alan olarak {2} {3}
+formatter.makerTakerLocked=Yapıcı olarak {0} {1} / Alan olarak {2} {3} 🔒
 formatter.youAreAsMaker=Yapan sizsiniz: {1} {0} (maker) / Alan: {3} {2}
 formatter.youAreAsTaker=Alan sizsiniz: {1} {0} (taker) / Yapan: {3} {2}
 formatter.youAre=Şu anda sizsiniz {0} {1} ({2} {3})

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

@@ -40,6 +40,8 @@ shared.buyMonero=Mua monero
 shared.sellMonero=Bán monero
 shared.buyCurrency=Mua {0}
 shared.sellCurrency=Bán {0}
+shared.buyCurrencyLocked=Mua {0} 🔒
+shared.sellCurrencyLocked=Bán {0} 🔒
 shared.buyingXMRWith=đang mua XMR với {0}
 shared.sellingXMRFor=đang bán XMR với {0}
 shared.buyingCurrency=đang mua {0} (đang bán XMR)
@@ -186,7 +188,7 @@ shared.total=Tổng
 shared.totalsNeeded=Số tiền cần
 shared.tradeWalletAddress=Địa chỉ ví giao dịch
 shared.tradeWalletBalance=Số dư ví giao dịch
-shared.reserveExactAmount=Dự trữ chỉ số tiền cần thiết. Có thể yêu cầu một phí đào và 10 xác nhận (~20 phút) trước khi giao dịch của bạn trở nên hiệu lực.
+shared.reserveExactAmount=Chỉ giữ lại số tiền cần thiết. Yêu cầu phí khai thác và khoảng 20 phút trước khi đề nghị của bạn được công khai.
 shared.makerTxFee=Người tạo: {0}
 shared.takerTxFee=Người nhận: {0}
 shared.iConfirm=Tôi xác nhận
@@ -330,6 +332,7 @@ offerbook.createOffer=Tạo chào giá
 offerbook.takeOffer=Nhận chào giá
 offerbook.takeOfferToBuy=Nhận chào giá mua  {0}
 offerbook.takeOfferToSell=Nhận chào giá bán {0}
+offerbook.takeOffer.enterChallenge=Nhập mật khẩu đề nghị
 offerbook.trader=Trader
 offerbook.offerersBankId=ID ngân hàng của người tạo (BIC/SWIFT): {0}
 offerbook.offerersBankName=Tên ngân hàng của người tạo: {0}
@@ -339,7 +342,9 @@ offerbook.offerersAcceptedBankSeats=Các quốc gia có ngân hàng được ch
 offerbook.availableOffers=Các chào giá hiện có
 offerbook.filterByCurrency=Lọc theo tiền tệ
 offerbook.filterByPaymentMethod=Lọc theo phương thức thanh toán
-offerbook.matchingOffers=Offers matching my accounts
+offerbook.matchingOffers=Các ưu đãi phù hợp với tài khoản của tôi
+offerbook.filterNoDeposit=Không đặt cọc
+offerbook.noDepositOffers=Các ưu đãi không yêu cầu đặt cọc (cần mật khẩu)
 offerbook.timeSinceSigning=Account info
 offerbook.timeSinceSigning.info=This account was verified and {0}
 offerbook.timeSinceSigning.info.arbitrator=signed by an arbitrator and can sign peer accounts
@@ -484,7 +489,10 @@ createOffer.setDepositAsBuyer=Cài đặt tiền đặt cọc của tôi với v
 createOffer.setDepositForBothTraders=Set both traders' security deposit (%)
 createOffer.securityDepositInfo=Số tiền đặt cọc cho người mua của bạn sẽ là  {0}
 createOffer.securityDepositInfoAsBuyer=Số tiền đặt cọc của bạn với vai trò người mua sẽ là  {0}
-createOffer.minSecurityDepositUsed=Min. buyer security deposit is used
+createOffer.minSecurityDepositUsed=Khoản tiền đặt cọc bảo mật tối thiểu được sử dụng
+createOffer.buyerAsTakerWithoutDeposit=Không cần đặt cọc từ người mua (được bảo vệ bằng mật khẩu)
+createOffer.myDeposit=Tiền đặt cọc bảo mật của tôi (%)
+createOffer.myDepositInfo=Khoản tiền đặt cọc của bạn sẽ là {0}
 
 
 ####################################################################
@@ -508,6 +516,8 @@ takeOffer.fundsBox.networkFee=Tổng phí đào
 takeOffer.fundsBox.takeOfferSpinnerInfo=Chấp nhận đề xuất: {0}
 takeOffer.fundsBox.paymentLabel=giao dịch Haveno có ID {0}
 takeOffer.fundsBox.fundsStructure=({0} tiền gửi đại lý, {1} phí giao dịch, {2} phí đào)
+takeOffer.fundsBox.noFundingRequiredTitle=Không cần tài trợ
+takeOffer.fundsBox.noFundingRequiredDescription=Lấy mật khẩu giao dịch từ người bán ngoài Haveno để nhận đề nghị này.
 takeOffer.success.headline=Bạn đã nhận báo giá thành công.
 takeOffer.success.info=Bạn có thể xem trạng thái giao dịch của bạn tại \"Portfolio/Các giao dịch mở\".
 takeOffer.error.message=Có lỗi xảy ra khi nhận báo giá.\n\n{0}
@@ -1463,6 +1473,7 @@ offerDetailsWindow.confirm.maker=Xác nhận: Đặt chào giá cho {0} monero
 offerDetailsWindow.confirm.taker=Xác nhận: Nhận chào giáo cho {0} monero
 offerDetailsWindow.creationDate=Ngày tạo
 offerDetailsWindow.makersOnion=Địa chỉ onion của người tạo
+offerDetailsWindow.challenge=Mã bảo vệ giao dịch
 
 qRCodeWindow.headline=QR Code
 qRCodeWindow.msg=Please use this QR code for funding your Haveno wallet from your external wallet.
@@ -1503,7 +1514,7 @@ tacWindow.disagree=Tôi không đồng ý và thoát
 tacWindow.arbitrationSystem=Dispute resolution
 
 tradeDetailsWindow.headline=giao dịch
-tradeDetailsWindow.disputedPayoutTxId=ID giao dịch hoàn tiền khiếu nại:
+tradeDetailsWindow.disputedPayoutTxId=ID giao dịch hoàn tiền khiếu nại
 tradeDetailsWindow.tradeDate=Ngày giao dịch
 tradeDetailsWindow.txFee=Phí đào
 tradeDetailsWindow.tradePeersOnion=Địa chỉ onion Đối tác giao dịch
@@ -1686,6 +1697,9 @@ popup.accountSigning.unsignedPubKeys.signed=Pubkeys were signed
 popup.accountSigning.unsignedPubKeys.result.signed=Signed pubkeys
 popup.accountSigning.unsignedPubKeys.result.failed=Failed to sign
 
+popup.info.buyerAsTakerWithoutDeposit.headline=Không cần đặt cọc từ người mua
+popup.info.buyerAsTakerWithoutDeposit=Lời đề nghị của bạn sẽ không yêu cầu khoản đặt cọc bảo mật hoặc phí từ người mua XMR.\n\nĐể chấp nhận lời đề nghị của bạn, bạn phải chia sẻ một mật khẩu với đối tác giao dịch ngoài Haveno.\n\nMật khẩu được tạo tự động và hiển thị trong chi tiết lời đề nghị sau khi tạo.
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1811,6 +1825,7 @@ navigation.support=\"Hỗ trợ\"
 
 formatter.formatVolumeLabel={0} giá trị {1}
 formatter.makerTaker=Người tạo là {0} {1} / Người nhận là {2} {3}
+formatter.makerTakerLocked=Người tạo là {0} {1} / Người nhận là {2} {3} 🔒
 formatter.youAreAsMaker=You are: {1} {0} (maker) / Taker is: {3} {2}
 formatter.youAreAsTaker=You are: {1} {0} (taker) / Maker is: {3} {2}
 formatter.youAre=Bạn là {0} {1} ({2} {3})

core/src/main/resources/i18n/displayStrings_zh-hans.properties

@@ -40,6 +40,8 @@ shared.buyMonero=买入比特币
 shared.sellMonero=卖出比特币
 shared.buyCurrency=买入 {0}
 shared.sellCurrency=卖出 {0}
+shared.buyCurrencyLocked=买入 {0} 🔒
+shared.sellCurrencyLocked=卖出 {0} 🔒
 shared.buyingXMRWith=用 {0} 买入 XMR
 shared.sellingXMRFor=卖出 XMR 为 {0}
 shared.buyingCurrency=买入 {0}（卖出 XMR）
@@ -186,7 +188,7 @@ shared.total=合计
 shared.totalsNeeded=需要资金
 shared.tradeWalletAddress=交易钱包地址
 shared.tradeWalletBalance=交易钱包余额
-shared.reserveExactAmount=仅保留所需的资金。在您的交易生效前可能需要支付挖矿费和10次确认（约20分钟）。
+shared.reserveExactAmount=仅保留必要的资金。需要支付矿工费用，并且大约需要 20 分钟后您的报价才会生效。
 shared.makerTxFee=卖家：{0}
 shared.takerTxFee=买家：{0}
 shared.iConfirm=我确认
@@ -330,6 +332,7 @@ offerbook.createOffer=创建报价
 offerbook.takeOffer=接受报价
 offerbook.takeOfferToBuy=接受报价来收购 {0}
 offerbook.takeOfferToSell=接受报价来出售 {0}
+offerbook.takeOffer.enterChallenge=输入报价密码
 offerbook.trader=商人
 offerbook.offerersBankId=卖家的银行 ID（BIC/SWIFT）：{0}
 offerbook.offerersBankName=卖家的银行名称：{0}
@@ -339,7 +342,9 @@ offerbook.offerersAcceptedBankSeats=接受的银行所在国家（买家）：\n
 offerbook.availableOffers=可用报价
 offerbook.filterByCurrency=以货币筛选
 offerbook.filterByPaymentMethod=以支付方式筛选
-offerbook.matchingOffers=Offers matching my accounts
+offerbook.matchingOffers=匹配我的账户的报价
+offerbook.filterNoDeposit=无押金
+offerbook.noDepositOffers=无押金的报价（需要密码短语）
 offerbook.timeSinceSigning=账户信息
 offerbook.timeSinceSigning.info=此账户已验证，{0}
 offerbook.timeSinceSigning.info.arbitrator=由仲裁员验证，并可以验证伙伴账户
@@ -485,7 +490,10 @@ createOffer.setDepositAsBuyer=设置自己作为买家的保证金（%）
 createOffer.setDepositForBothTraders=设置双方的保证金比例（%）
 createOffer.securityDepositInfo=您的买家的保证金将会是 {0}
 createOffer.securityDepositInfoAsBuyer=您作为买家的保证金将会是 {0}
-createOffer.minSecurityDepositUsed=已使用最低买家保证金
+createOffer.minSecurityDepositUsed=最低安全押金已使用
+createOffer.buyerAsTakerWithoutDeposit=无需买家支付押金（使用口令保护）
+createOffer.myDeposit=我的安全押金 (%)
+createOffer.myDepositInfo=您的保证金为 {0}
 
 
 ####################################################################
@@ -509,6 +517,8 @@ takeOffer.fundsBox.networkFee=总共挖矿手续费
 takeOffer.fundsBox.takeOfferSpinnerInfo=接受报价：{0}
 takeOffer.fundsBox.paymentLabel=Haveno 交易 ID {0}
 takeOffer.fundsBox.fundsStructure=（{0} 保证金，{1} 交易费，{2} 采矿费）
+takeOffer.fundsBox.noFundingRequiredTitle=无需资金
+takeOffer.fundsBox.noFundingRequiredDescription=从卖方处获取交易密码（在Haveno之外）以接受此报价。
 takeOffer.success.headline=你已成功下单一个报价。
 takeOffer.success.info=你可以在“业务/未完成交易”页面内查看您的未完成交易。
 takeOffer.error.message=下单时发生了一个错误。\n\n{0}
@@ -1465,6 +1475,7 @@ offerDetailsWindow.confirm.maker=确定：发布报价 {0} 比特币
 offerDetailsWindow.confirm.taker=确定：下单买入 {0} 比特币
 offerDetailsWindow.creationDate=创建时间
 offerDetailsWindow.makersOnion=卖家的匿名地址
+offerDetailsWindow.challenge=提供密码
 
 qRCodeWindow.headline=二维码
 qRCodeWindow.msg=请使用二维码从外部钱包充值至 Haveno 钱包
@@ -1505,7 +1516,7 @@ tacWindow.disagree=我不同意并退出
 tacWindow.arbitrationSystem=纠纷解决方案
 
 tradeDetailsWindow.headline=交易
-tradeDetailsWindow.disputedPayoutTxId=纠纷支付交易 ID：
+tradeDetailsWindow.disputedPayoutTxId=纠纷支付交易 ID
 tradeDetailsWindow.tradeDate=交易时间
 tradeDetailsWindow.txFee=矿工手续费
 tradeDetailsWindow.tradePeersOnion=交易伙伴匿名地址
@@ -1693,6 +1704,9 @@ popup.accountSigning.unsignedPubKeys.signed=公钥已被验证
 popup.accountSigning.unsignedPubKeys.result.signed=已验证公钥
 popup.accountSigning.unsignedPubKeys.result.failed=未能验证公钥
 
+popup.info.buyerAsTakerWithoutDeposit.headline=买家无需支付保证金
+popup.info.buyerAsTakerWithoutDeposit=您的报价将不需要来自XMR买家的保证金或费用。\n\n要接受您的报价，您必须与交易伙伴在Haveno外共享一个密码短语。\n\n密码短语会自动生成，并在创建后显示在报价详情中。
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1818,6 +1832,7 @@ navigation.support=“帮助”
 
 formatter.formatVolumeLabel={0} 数量 {1}
 formatter.makerTaker=卖家 {0} {1} / 买家 {2} {3}
+formatter.makerTakerLocked=卖家 {0} {1} / 买家 {2} {3} 🔒
 formatter.youAreAsMaker=您是 {1} {0} 卖家 / 买家是 {3} {2}
 formatter.youAreAsTaker=您是 {1} {0} 买家 / 卖家是 {3} {2}
 formatter.youAre=您是 {0} {1} （{2} {3}）

core/src/main/resources/i18n/displayStrings_zh-hant.properties

@@ -40,6 +40,8 @@ shared.buyMonero=買入比特幣
 shared.sellMonero=賣出比特幣
 shared.buyCurrency=買入 {0}
 shared.sellCurrency=賣出 {0}
+shared.buyCurrencyLocked=買入 {0} 🔒
+shared.sellCurrencyLocked=賣出 {0} 🔒
 shared.buyingXMRWith=用 {0} 買入 XMR
 shared.sellingXMRFor=賣出 XMR 為 {0}
 shared.buyingCurrency=買入 {0}（賣出 XMR）
@@ -186,7 +188,7 @@ shared.total=合計
 shared.totalsNeeded=需要資金
 shared.tradeWalletAddress=交易錢包地址
 shared.tradeWalletBalance=交易錢包餘額
-shared.reserveExactAmount=僅保留所需的資金。在您的交易生效前可能需要支付礦工費和 10 次確認（約20分鐘）。
+shared.reserveExactAmount=僅保留必要的資金。需支付礦工費，約 20 分鐘後您的報價才會上線。
 shared.makerTxFee=賣家：{0}
 shared.takerTxFee=買家：{0}
 shared.iConfirm=我確認
@@ -330,6 +332,7 @@ offerbook.createOffer=創建報價
 offerbook.takeOffer=接受報價
 offerbook.takeOfferToBuy=接受報價來收購 {0}
 offerbook.takeOfferToSell=接受報價來出售 {0}
+offerbook.takeOffer.enterChallenge=輸入報價密碼
 offerbook.trader=商人
 offerbook.offerersBankId=賣家的銀行 ID（BIC/SWIFT）：{0}
 offerbook.offerersBankName=賣家的銀行名稱：{0}
@@ -339,7 +342,9 @@ offerbook.offerersAcceptedBankSeats=接受的銀行所在國家（買家）：\n
 offerbook.availableOffers=可用報價
 offerbook.filterByCurrency=以貨幣篩選
 offerbook.filterByPaymentMethod=以支付方式篩選
-offerbook.matchingOffers=Offers matching my accounts
+offerbook.matchingOffers=符合我的帳戶的報價
+offerbook.filterNoDeposit=無押金
+offerbook.noDepositOffers=無押金的報價（需要密碼短語）
 offerbook.timeSinceSigning=賬户信息
 offerbook.timeSinceSigning.info=此賬户已驗證，{0}
 offerbook.timeSinceSigning.info.arbitrator=由仲裁員驗證，並可以驗證夥伴賬户
@@ -485,7 +490,10 @@ createOffer.setDepositAsBuyer=設置自己作為買家的保證金（%）
 createOffer.setDepositForBothTraders=設置雙方的保證金比例（%）
 createOffer.securityDepositInfo=您的買家的保證金將會是 {0}
 createOffer.securityDepositInfoAsBuyer=您作為買家的保證金將會是 {0}
-createOffer.minSecurityDepositUsed=已使用最低買家保證金
+createOffer.minSecurityDepositUsed=最低保證金已使用
+createOffer.buyerAsTakerWithoutDeposit=買家無需支付保證金（通行密碼保護）
+createOffer.myDeposit=我的保證金（%）
+createOffer.myDepositInfo=您的保證金將為 {0}
 
 
 ####################################################################
@@ -509,6 +517,8 @@ takeOffer.fundsBox.networkFee=總共挖礦手續費
 takeOffer.fundsBox.takeOfferSpinnerInfo=接受報價：{0}
 takeOffer.fundsBox.paymentLabel=Haveno 交易 ID {0}
 takeOffer.fundsBox.fundsStructure=（{0} 保證金，{1} 交易費，{2} 採礦費）
+takeOffer.fundsBox.noFundingRequiredTitle=無需資金
+takeOffer.fundsBox.noFundingRequiredDescription=從賣家那裡在 Haveno 之外獲取優惠密碼以接受此優惠。
 takeOffer.success.headline=你已成功下單一個報價。
 takeOffer.success.info=你可以在“業務/未完成交易”頁面內查看您的未完成交易。
 takeOffer.error.message=下單時發生了一個錯誤。\n\n{0}
@@ -1465,6 +1475,7 @@ offerDetailsWindow.confirm.maker=確定：發佈報價 {0} 比特幣
 offerDetailsWindow.confirm.taker=確定：下單買入 {0} 比特幣
 offerDetailsWindow.creationDate=創建時間
 offerDetailsWindow.makersOnion=賣家的匿名地址
+offerDetailsWindow.challenge=提供密碼
 
 qRCodeWindow.headline=二維碼
 qRCodeWindow.msg=請使用二維碼從外部錢包充值至 Haveno 錢包
@@ -1505,7 +1516,7 @@ tacWindow.disagree=我不同意並退出
 tacWindow.arbitrationSystem=糾紛解決方案
 
 tradeDetailsWindow.headline=交易
-tradeDetailsWindow.disputedPayoutTxId=糾紛支付交易 ID：
+tradeDetailsWindow.disputedPayoutTxId=糾紛支付交易 ID
 tradeDetailsWindow.tradeDate=交易時間
 tradeDetailsWindow.txFee=礦工手續費
 tradeDetailsWindow.tradePeersOnion=交易夥伴匿名地址
@@ -1687,6 +1698,9 @@ popup.accountSigning.unsignedPubKeys.signed=公鑰已被驗證
 popup.accountSigning.unsignedPubKeys.result.signed=已驗證公鑰
 popup.accountSigning.unsignedPubKeys.result.failed=未能驗證公鑰
 
+popup.info.buyerAsTakerWithoutDeposit.headline=買家無需支付保證金
+popup.info.buyerAsTakerWithoutDeposit=您的報價不需要來自XMR買家的保證金或費用。\n\n要接受您的報價，您必須與您的交易夥伴在Haveno之外分享密碼短語。\n\n密碼短語會自動生成並在報價創建後顯示在報價詳情中。
+
 ####################################################################
 # Notifications
 ####################################################################
@@ -1812,6 +1826,7 @@ navigation.support=“幫助”
 
 formatter.formatVolumeLabel={0} 數量 {1}
 formatter.makerTaker=賣家 {0} {1} / 買家 {2} {3}
+formatter.makerTakerLocked=賣家 {0} {1} / 買家 {2} {3} 🔒
 formatter.youAreAsMaker=You are: {1} {0} (maker) / Taker is: {3} {2}
 formatter.youAreAsTaker=You are: {1} {0} (taker) / Maker is: {3} {2}
 formatter.youAre=您是 {0} {1} （{2} {3}）

daemon/src/main/java/haveno/daemon/grpc/GrpcOffersService.java

@@ -150,10 +150,12 @@ class GrpcOffersService extends OffersImplBase {
                     req.getMarketPriceMarginPct(),
                     req.getAmount(),
                     req.getMinAmount(),
-                    req.getBuyerSecurityDepositPct(),
+                    req.getSecurityDepositPct(),
                     req.getTriggerPrice(),
                     req.getReserveExactAmount(),
                     req.getPaymentAccountId(),
+                    req.getIsPrivateOffer(),
+                    req.getBuyerAsTakerWithoutDeposit(),
                     offer -> {
                         // This result handling consumer's accept operation will return
                         // the new offer to the gRPC client after async placement is done.

daemon/src/main/java/haveno/daemon/grpc/GrpcTradesService.java

@@ -138,6 +138,7 @@ class GrpcTradesService extends TradesImplBase {
             coreApi.takeOffer(req.getOfferId(),
                     req.getPaymentAccountId(),
                     req.getAmount(),
+                    req.getChallenge(),
                     trade -> {
                         TradeInfo tradeInfo = toTradeInfo(trade);
                         var reply = TakeOfferReply.newBuilder()

desktop/src/main/java/haveno/desktop/components/paymentmethods/PaymentMethodForm.java

@@ -184,14 +184,14 @@ public abstract class PaymentMethodForm {
                 Res.get("payment.maxPeriodAndLimitCrypto",
                         getTimeText(hours),
                         HavenoUtils.formatXmr(accountAgeWitnessService.getMyTradeLimit(
-                            paymentAccount, tradeCurrency.getCode(), OfferDirection.BUY), true))
+                            paymentAccount, tradeCurrency.getCode(), OfferDirection.BUY, false), true))
                 :
                 Res.get("payment.maxPeriodAndLimit",
                         getTimeText(hours),
                         HavenoUtils.formatXmr(accountAgeWitnessService.getMyTradeLimit(
-                                paymentAccount, tradeCurrency.getCode(), OfferDirection.BUY), true),
+                                paymentAccount, tradeCurrency.getCode(), OfferDirection.BUY, false), true),
                         HavenoUtils.formatXmr(accountAgeWitnessService.getMyTradeLimit(
-                                paymentAccount, tradeCurrency.getCode(), OfferDirection.SELL), true),
+                                paymentAccount, tradeCurrency.getCode(), OfferDirection.SELL, false), true),
                         DisplayUtils.formatAccountAge(accountAge));
         return limitationsText;
     }

desktop/src/main/java/haveno/desktop/images.css

@@ -59,6 +59,10 @@
     -fx-image: url("../../images/sell_red.png");
 }
 
+#image-lock2x {
+    -fx-image: url("../../images/lock@2x.png");
+}
+
 #image-expand {
     -fx-image: url("../../images/expand.png");
 }

desktop/src/main/java/haveno/desktop/main/offer/MutableOfferDataModel.java

@@ -107,7 +107,8 @@ public abstract class MutableOfferDataModel extends OfferDataModel {
     protected final ObjectProperty<Volume> minVolume = new SimpleObjectProperty<>();
 
     // Percentage value of buyer security deposit. E.g. 0.01 means 1% of trade amount
-    protected final DoubleProperty buyerSecurityDepositPct = new SimpleDoubleProperty();
+    protected final DoubleProperty securityDepositPct = new SimpleDoubleProperty();
+    protected final BooleanProperty buyerAsTakerWithoutDeposit = new SimpleBooleanProperty();
 
     protected final ObservableList<PaymentAccount> paymentAccounts = FXCollections.observableArrayList();
 
@@ -166,7 +167,7 @@ public abstract class MutableOfferDataModel extends OfferDataModel {
         reserveExactAmount = preferences.getSplitOfferOutput();
 
         useMarketBasedPrice.set(preferences.isUsePercentageBasedPrice());
-        buyerSecurityDepositPct.set(Restrictions.getMinBuyerSecurityDepositAsPercent());
+        securityDepositPct.set(Restrictions.getMinSecurityDepositAsPercent());
 
         paymentAccountsChangeListener = change -> fillPaymentAccounts();
     }
@@ -301,8 +302,10 @@ public abstract class MutableOfferDataModel extends OfferDataModel {
                 useMarketBasedPrice.get() ? null : price.get(),
                 useMarketBasedPrice.get(),
                 useMarketBasedPrice.get() ? marketPriceMargin : 0,
-                buyerSecurityDepositPct.get(),
-                paymentAccount);
+                securityDepositPct.get(),
+                paymentAccount,
+                buyerAsTakerWithoutDeposit.get(), // private offer if buyer as taker without deposit
+                buyerAsTakerWithoutDeposit.get());
     }
 
     void onPlaceOffer(Offer offer, TransactionResultHandler resultHandler, ErrorMessageHandler errorMessageHandler) {
@@ -329,10 +332,10 @@ public abstract class MutableOfferDataModel extends OfferDataModel {
     }
 
     private void setSuggestedSecurityDeposit(PaymentAccount paymentAccount) {
-        var minSecurityDeposit = Restrictions.getMinBuyerSecurityDepositAsPercent();
+        var minSecurityDeposit = Restrictions.getMinSecurityDepositAsPercent();
         try {
             if (getTradeCurrency() == null) {
-                setBuyerSecurityDeposit(minSecurityDeposit);
+                setSecurityDepositPct(minSecurityDeposit);
                 return;
             }
             // Get average historic prices over for the prior trade period equaling the lock time
@@ -355,16 +358,16 @@ public abstract class MutableOfferDataModel extends OfferDataModel {
             var min = extremes[0];
             var max = extremes[1];
             if (min == 0d || max == 0d) {
-                setBuyerSecurityDeposit(minSecurityDeposit);
+                setSecurityDepositPct(minSecurityDeposit);
                 return;
             }
             // Suggested deposit is double the trade range over the previous lock time period, bounded by min/max deposit
             var suggestedSecurityDeposit =
-                    Math.min(2 * (max - min) / max, Restrictions.getMaxBuyerSecurityDepositAsPercent());
-            buyerSecurityDepositPct.set(Math.max(suggestedSecurityDeposit, minSecurityDeposit));
+                    Math.min(2 * (max - min) / max, Restrictions.getMaxSecurityDepositAsPercent());
+            securityDepositPct.set(Math.max(suggestedSecurityDeposit, minSecurityDeposit));
         } catch (Throwable t) {
             log.error(t.toString());
-            buyerSecurityDepositPct.set(minSecurityDeposit);
+            securityDepositPct.set(minSecurityDeposit);
         }
     }
 
@@ -455,6 +458,10 @@ public abstract class MutableOfferDataModel extends OfferDataModel {
         preferences.setUsePercentageBasedPrice(useMarketBasedPrice);
     }
 
+    protected void setBuyerAsTakerWithoutDeposit(boolean buyerAsTakerWithoutDeposit) {
+        this.buyerAsTakerWithoutDeposit.set(buyerAsTakerWithoutDeposit);
+    }
+
     public ObservableList<PaymentAccount> getPaymentAccounts() {
         return paymentAccounts;
     }
@@ -467,11 +474,11 @@ public abstract class MutableOfferDataModel extends OfferDataModel {
 
         // disallow offers which no buyer can take due to trade limits on release
         if (HavenoUtils.isReleasedWithinDays(HavenoUtils.RELEASE_LIMIT_DAYS)) {
-            return accountAgeWitnessService.getMyTradeLimit(paymentAccount, tradeCurrencyCode.get(), OfferDirection.BUY);
+            return accountAgeWitnessService.getMyTradeLimit(paymentAccount, tradeCurrencyCode.get(), OfferDirection.BUY, buyerAsTakerWithoutDeposit.get());
         }
 
         if (paymentAccount != null) {
-            return accountAgeWitnessService.getMyTradeLimit(paymentAccount, tradeCurrencyCode.get(), direction);
+            return accountAgeWitnessService.getMyTradeLimit(paymentAccount, tradeCurrencyCode.get(), direction, buyerAsTakerWithoutDeposit.get());
         } else {
             return 0;
         }
@@ -560,10 +567,6 @@ public abstract class MutableOfferDataModel extends OfferDataModel {
         }
     }
 
-    BigInteger getSecurityDeposit() {
-        return isBuyOffer() ? getBuyerSecurityDeposit() : getSellerSecurityDeposit();
-    }
-
     void swapTradeToSavings() {
         xmrWalletService.resetAddressEntriesForOpenOffer(offerId);
     }
@@ -588,8 +591,8 @@ public abstract class MutableOfferDataModel extends OfferDataModel {
         this.volume.set(volume);
     }
 
-    protected void setBuyerSecurityDeposit(double value) {
-        this.buyerSecurityDepositPct.set(value);
+    protected void setSecurityDepositPct(double value) {
+        this.securityDepositPct.set(value);
     }
 
     ///////////////////////////////////////////////////////////////////////////////////////////
@@ -620,6 +623,10 @@ public abstract class MutableOfferDataModel extends OfferDataModel {
         return minVolume;
     }
 
+    public ReadOnlyBooleanProperty getBuyerAsTakerWithoutDeposit() {
+        return buyerAsTakerWithoutDeposit;
+    }
+
     protected void setMinAmount(BigInteger minAmount) {
         this.minAmount.set(minAmount);
     }
@@ -644,35 +651,19 @@ public abstract class MutableOfferDataModel extends OfferDataModel {
         return useMarketBasedPrice;
     }
 
-    ReadOnlyDoubleProperty getBuyerSecurityDepositPct() {
-        return buyerSecurityDepositPct;
+    ReadOnlyDoubleProperty getSecurityDepositPct() {
+        return securityDepositPct;
     }
 
-    protected BigInteger getBuyerSecurityDeposit() {
-        BigInteger percentOfAmount = CoinUtil.getPercentOfAmount(buyerSecurityDepositPct.get(), amount.get());
-        return getBoundedBuyerSecurityDeposit(percentOfAmount);
-    }
-
-    private BigInteger getSellerSecurityDeposit() {
+    protected BigInteger getSecurityDeposit() {
         BigInteger amount = this.amount.get();
-        if (amount == null)
-            amount = BigInteger.ZERO;
-
-        BigInteger percentOfAmount = CoinUtil.getPercentOfAmount(
-                createOfferService.getSellerSecurityDepositAsDouble(buyerSecurityDepositPct.get()), amount);
-        return getBoundedSellerSecurityDeposit(percentOfAmount);
+        if (amount == null) amount = BigInteger.ZERO;
+        BigInteger percentOfAmount = CoinUtil.getPercentOfAmount(securityDepositPct.get(), amount);
+        return getBoundedSecurityDeposit(percentOfAmount);
     }
 
-    protected BigInteger getBoundedBuyerSecurityDeposit(BigInteger value) {
-        // We need to ensure that for small amount values we don't get a too low BTC amount. We limit it with using the
-        // MinBuyerSecurityDeposit from Restrictions.
-        return Restrictions.getMinBuyerSecurityDeposit().max(value);
-    }
-
-    private BigInteger getBoundedSellerSecurityDeposit(BigInteger value) {
-        // We need to ensure that for small amount values we don't get a too low BTC amount. We limit it with using the
-        // MinSellerSecurityDeposit from Restrictions.
-        return Restrictions.getMinSellerSecurityDeposit().max(value);
+    protected BigInteger getBoundedSecurityDeposit(BigInteger value) {
+        return Restrictions.getMinSecurityDeposit().max(value);
     }
 
     ReadOnlyObjectProperty<BigInteger> totalToPayAsProperty() {
@@ -684,7 +675,7 @@ public abstract class MutableOfferDataModel extends OfferDataModel {
     }
 
     public BigInteger getMaxMakerFee() {
-        return HavenoUtils.multiply(amount.get(), HavenoUtils.MAKER_FEE_PCT);
+        return HavenoUtils.multiply(amount.get(), buyerAsTakerWithoutDeposit.get() ? HavenoUtils.MAKER_FEE_FOR_TAKER_WITHOUT_DEPOSIT_PCT : HavenoUtils.MAKER_FEE_PCT);
     }
 
     boolean canPlaceOffer() {
@@ -692,8 +683,8 @@ public abstract class MutableOfferDataModel extends OfferDataModel {
                 GUIUtil.canCreateOrTakeOfferOrShowPopup(user, navigation);
     }
 
-    public boolean isMinBuyerSecurityDeposit() {
-        return getBuyerSecurityDeposit().compareTo(Restrictions.getMinBuyerSecurityDeposit()) <= 0;
+    public boolean isMinSecurityDeposit() {
+        return getSecurityDeposit().compareTo(Restrictions.getMinSecurityDeposit()) <= 0;
     }
 
     public void setTriggerPrice(long triggerPrice) {

desktop/src/main/java/haveno/desktop/main/offer/MutableOfferView.java

@@ -71,12 +71,12 @@ import javafx.geometry.Pos;
 import javafx.geometry.VPos;
 import javafx.scene.Node;
 import javafx.scene.control.Button;
-import javafx.scene.control.CheckBox;
 import javafx.scene.control.ComboBox;
 import javafx.scene.control.Label;
 import javafx.scene.control.ScrollPane;
 import javafx.scene.control.Separator;
 import javafx.scene.control.TextField;
+import javafx.scene.control.ToggleButton;
 import javafx.scene.control.Tooltip;
 import javafx.scene.image.Image;
 import javafx.scene.image.ImageView;
@@ -132,16 +132,17 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
     private AutoTooltipButton nextButton, cancelButton1, cancelButton2, placeOfferButton, fundFromSavingsWalletButton;
     private Button priceTypeToggleButton;
     private InputTextField fixedPriceTextField, marketBasedPriceTextField, triggerPriceInputTextField;
-    protected InputTextField amountTextField, minAmountTextField, volumeTextField, buyerSecurityDepositInputTextField;
+    protected InputTextField amountTextField, minAmountTextField, volumeTextField, securityDepositInputTextField;
     private TextField currencyTextField;
     private AddressTextField addressTextField;
     private BalanceTextField balanceTextField;
-    private CheckBox reserveExactAmountCheckbox;
+    private ToggleButton reserveExactAmountSlider;
+    private ToggleButton buyerAsTakerWithoutDepositSlider;
     private FundsTextField totalToPayTextField;
     private Label amountDescriptionLabel, priceCurrencyLabel, priceDescriptionLabel, volumeDescriptionLabel,
             waitingForFundsLabel, marketBasedPriceLabel, percentagePriceDescriptionLabel, tradeFeeDescriptionLabel,
-            resultLabel, tradeFeeInXmrLabel, xLabel, fakeXLabel, buyerSecurityDepositLabel,
-            buyerSecurityDepositPercentageLabel, triggerPriceCurrencyLabel, triggerPriceDescriptionLabel;
+            resultLabel, tradeFeeInXmrLabel, xLabel, fakeXLabel, securityDepositLabel,
+            securityDepositPercentageLabel, triggerPriceCurrencyLabel, triggerPriceDescriptionLabel;
     protected Label amountBtcLabel, volumeCurrencyLabel, minAmountBtcLabel;
     private ComboBox<PaymentAccount> paymentAccountsComboBox;
     private ComboBox<TradeCurrency> currencyComboBox;
@@ -149,16 +150,16 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
     private VBox currencySelection, fixedPriceBox, percentagePriceBox, currencyTextFieldBox, triggerPriceVBox;
     private HBox fundingHBox, firstRowHBox, secondRowHBox, placeOfferBox, amountValueCurrencyBox,
             priceAsPercentageValueCurrencyBox, volumeValueCurrencyBox, priceValueCurrencyBox,
-            minAmountValueCurrencyBox, advancedOptionsBox, triggerPriceHBox;
+            minAmountValueCurrencyBox, securityDepositAndFeeBox, triggerPriceHBox;
 
     private Subscription isWaitingForFundsSubscription, balanceSubscription;
     private ChangeListener<Boolean> amountFocusedListener, minAmountFocusedListener, volumeFocusedListener,
-            buyerSecurityDepositFocusedListener, priceFocusedListener, placeOfferCompletedListener,
+            securityDepositFocusedListener, priceFocusedListener, placeOfferCompletedListener,
             priceAsPercentageFocusedListener, getShowWalletFundedNotificationListener,
-            isMinBuyerSecurityDepositListener, triggerPriceFocusedListener;
+            isMinSecurityDepositListener, buyerAsTakerWithoutDepositListener, triggerPriceFocusedListener;
     private ChangeListener<BigInteger> missingCoinListener;
     private ChangeListener<String> tradeCurrencyCodeListener, errorMessageListener,
-            marketPriceMarginListener, volumeListener, buyerSecurityDepositInBTCListener;
+            marketPriceMarginListener, volumeListener, securityDepositInXMRListener;
     private ChangeListener<Number> marketPriceAvailableListener;
     private EventHandler<ActionEvent> currencyComboBoxSelectionHandler, paymentAccountsComboBoxSelectionHandler;
     private OfferView.CloseHandler closeHandler;
@@ -168,12 +169,14 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
     private final HashMap<String, Boolean> paymentAccountWarningDisplayed = new HashMap<>();
     private boolean zelleWarningDisplayed, fasterPaymentsWarningDisplayed, isActivated;
     private InfoInputTextField marketBasedPriceInfoInputTextField, volumeInfoInputTextField,
-            buyerSecurityDepositInfoInputTextField, triggerPriceInfoInputTextField;
+            securityDepositInfoInputTextField, triggerPriceInfoInputTextField;
     private Text xIcon, fakeXIcon;
 
     @Setter
     private OfferView.OfferActionHandler offerActionHandler;
 
+    private int heightAdjustment = -5;
+
 
     ///////////////////////////////////////////////////////////////////////////////////////////
     // Constructor, lifecycle
@@ -252,6 +255,8 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
 
             Label popOverLabel = OfferViewUtil.createPopOverLabel(Res.get("createOffer.triggerPrice.tooltip"));
             triggerPriceInfoInputTextField.setContentForPopOver(popOverLabel, AwesomeIcon.SHIELD);
+
+            buyerAsTakerWithoutDepositSlider.setSelected(model.dataModel.getBuyerAsTakerWithoutDeposit().get());
         }
     }
 
@@ -323,6 +328,9 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
             fundFromSavingsWalletButton.setId("sell-button");
         }
 
+        buyerAsTakerWithoutDepositSlider.setVisible(model.isSellOffer());
+        buyerAsTakerWithoutDepositSlider.setManaged(model.isSellOffer());
+
         placeOfferButton.updateText(placeOfferButtonLabel);
         updatePriceToggle();
     }
@@ -375,8 +383,11 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
         setDepositTitledGroupBg.setVisible(false);
         setDepositTitledGroupBg.setManaged(false);
 
-        advancedOptionsBox.setVisible(false);
-        advancedOptionsBox.setManaged(false);
+        securityDepositAndFeeBox.setVisible(false);
+        securityDepositAndFeeBox.setManaged(false);
+
+        buyerAsTakerWithoutDepositSlider.setVisible(false);
+        buyerAsTakerWithoutDepositSlider.setManaged(false);
 
         updateQrCode();
 
@@ -426,7 +437,7 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
         qrCodeImageView.setVisible(true);
         balanceTextField.setVisible(true);
         cancelButton2.setVisible(true);
-        reserveExactAmountCheckbox.setVisible(true);
+        reserveExactAmountSlider.setVisible(true);
     }
 
     private void updateOfferElementsStyle() {
@@ -556,8 +567,8 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
         volumeTextField.promptTextProperty().bind(model.volumePromptLabel);
         totalToPayTextField.textProperty().bind(model.totalToPay);
         addressTextField.amountAsProperty().bind(model.getDataModel().getMissingCoin());
-        buyerSecurityDepositInputTextField.textProperty().bindBidirectional(model.buyerSecurityDeposit);
-        buyerSecurityDepositLabel.textProperty().bind(model.buyerSecurityDepositLabel);
+        securityDepositInputTextField.textProperty().bindBidirectional(model.securityDeposit);
+        securityDepositLabel.textProperty().bind(model.securityDepositLabel);
         tradeFeeInXmrLabel.textProperty().bind(model.tradeFeeInXmrWithFiat);
         tradeFeeDescriptionLabel.textProperty().bind(model.tradeFeeDescription);
 
@@ -567,7 +578,7 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
         fixedPriceTextField.validationResultProperty().bind(model.priceValidationResult);
         triggerPriceInputTextField.validationResultProperty().bind(model.triggerPriceValidationResult);
         volumeTextField.validationResultProperty().bind(model.volumeValidationResult);
-        buyerSecurityDepositInputTextField.validationResultProperty().bind(model.buyerSecurityDepositValidationResult);
+        securityDepositInputTextField.validationResultProperty().bind(model.securityDepositValidationResult);
 
         // funding
         fundingHBox.visibleProperty().bind(model.getDataModel().getIsXmrWalletFunded().not().and(model.showPayFundsScreenDisplayed));
@@ -604,8 +615,8 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
         volumeTextField.promptTextProperty().unbindBidirectional(model.volume);
         totalToPayTextField.textProperty().unbind();
         addressTextField.amountAsProperty().unbind();
-        buyerSecurityDepositInputTextField.textProperty().unbindBidirectional(model.buyerSecurityDeposit);
-        buyerSecurityDepositLabel.textProperty().unbind();
+        securityDepositInputTextField.textProperty().unbindBidirectional(model.securityDeposit);
+        securityDepositLabel.textProperty().unbind();
         tradeFeeInXmrLabel.textProperty().unbind();
         tradeFeeDescriptionLabel.textProperty().unbind();
         tradeFeeInXmrLabel.visibleProperty().unbind();
@@ -617,7 +628,7 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
         fixedPriceTextField.validationResultProperty().unbind();
         triggerPriceInputTextField.validationResultProperty().unbind();
         volumeTextField.validationResultProperty().unbind();
-        buyerSecurityDepositInputTextField.validationResultProperty().unbind();
+        securityDepositInputTextField.validationResultProperty().unbind();
 
         // funding
         fundingHBox.visibleProperty().unbind();
@@ -679,9 +690,9 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
             model.onFocusOutVolumeTextField(oldValue, newValue);
             volumeTextField.setText(model.volume.get());
         };
-        buyerSecurityDepositFocusedListener = (o, oldValue, newValue) -> {
-            model.onFocusOutBuyerSecurityDepositTextField(oldValue, newValue);
-            buyerSecurityDepositInputTextField.setText(model.buyerSecurityDeposit.get());
+        securityDepositFocusedListener = (o, oldValue, newValue) -> {
+            model.onFocusOutSecurityDepositTextField(oldValue, newValue);
+            securityDepositInputTextField.setText(model.securityDeposit.get());
         };
 
         triggerPriceFocusedListener = (o, oldValue, newValue) -> {
@@ -750,12 +761,11 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
             }
         };
 
-        buyerSecurityDepositInBTCListener = (observable, oldValue, newValue) -> {
+        securityDepositInXMRListener = (observable, oldValue, newValue) -> {
             if (!newValue.equals("")) {
-                Label depositInBTCInfo = OfferViewUtil.createPopOverLabel(model.getSecurityDepositPopOverLabel(newValue));
-                buyerSecurityDepositInfoInputTextField.setContentForInfoPopOver(depositInBTCInfo);
+                updateSecurityDepositLabels();
             } else {
-                buyerSecurityDepositInfoInputTextField.setContentForInfoPopOver(null);
+                securityDepositInfoInputTextField.setContentForInfoPopOver(null);
             }
         };
 
@@ -805,17 +815,29 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
             }
         };
 
-        isMinBuyerSecurityDepositListener = ((observable, oldValue, newValue) -> {
-            if (newValue) {
-                // show BTC
-                buyerSecurityDepositPercentageLabel.setText(Res.getBaseCurrencyCode());
-                buyerSecurityDepositInputTextField.setDisable(true);
-            } else {
-                // show %
-                buyerSecurityDepositPercentageLabel.setText("%");
-                buyerSecurityDepositInputTextField.setDisable(false);
-            }
+        isMinSecurityDepositListener = ((observable, oldValue, newValue) -> {
+            updateSecurityDepositLabels();
         });
+
+        buyerAsTakerWithoutDepositListener = ((observable, oldValue, newValue) -> {
+            updateSecurityDepositLabels();
+        });
+    }
+
+    private void updateSecurityDepositLabels() {
+        if (model.isMinSecurityDeposit.get()) {
+            // show XMR
+            securityDepositPercentageLabel.setText(Res.getBaseCurrencyCode());
+            securityDepositInputTextField.setDisable(true);
+        } else {
+            // show %
+            securityDepositPercentageLabel.setText("%");
+            securityDepositInputTextField.setDisable(model.getDataModel().buyerAsTakerWithoutDeposit.get());
+        }
+        if (model.securityDepositInXMR.get() != null && !model.securityDepositInXMR.get().equals("")) {
+            Label depositInBTCInfo = OfferViewUtil.createPopOverLabel(model.getSecurityDepositPopOverLabel(model.securityDepositInXMR.get()));
+            securityDepositInfoInputTextField.setContentForInfoPopOver(depositInBTCInfo);
+        }
     }
 
     private void updateQrCode() {
@@ -856,8 +878,9 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
         model.marketPriceMargin.addListener(marketPriceMarginListener);
         model.volume.addListener(volumeListener);
         model.getDataModel().missingCoin.addListener(missingCoinListener);
-        model.buyerSecurityDepositInBTC.addListener(buyerSecurityDepositInBTCListener);
-        model.isMinBuyerSecurityDeposit.addListener(isMinBuyerSecurityDepositListener);
+        model.securityDepositInXMR.addListener(securityDepositInXMRListener);
+        model.isMinSecurityDeposit.addListener(isMinSecurityDepositListener);
+        model.getDataModel().buyerAsTakerWithoutDeposit.addListener(buyerAsTakerWithoutDepositListener);
 
         // focus out
         amountTextField.focusedProperty().addListener(amountFocusedListener);
@@ -866,7 +889,7 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
         triggerPriceInputTextField.focusedProperty().addListener(triggerPriceFocusedListener);
         marketBasedPriceTextField.focusedProperty().addListener(priceAsPercentageFocusedListener);
         volumeTextField.focusedProperty().addListener(volumeFocusedListener);
-        buyerSecurityDepositInputTextField.focusedProperty().addListener(buyerSecurityDepositFocusedListener);
+        securityDepositInputTextField.focusedProperty().addListener(securityDepositFocusedListener);
 
         // notifications
         model.getDataModel().getShowWalletFundedNotification().addListener(getShowWalletFundedNotificationListener);
@@ -888,8 +911,9 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
         model.marketPriceMargin.removeListener(marketPriceMarginListener);
         model.volume.removeListener(volumeListener);
         model.getDataModel().missingCoin.removeListener(missingCoinListener);
-        model.buyerSecurityDepositInBTC.removeListener(buyerSecurityDepositInBTCListener);
-        model.isMinBuyerSecurityDeposit.removeListener(isMinBuyerSecurityDepositListener);
+        model.securityDepositInXMR.removeListener(securityDepositInXMRListener);
+        model.isMinSecurityDeposit.removeListener(isMinSecurityDepositListener);
+        model.getDataModel().buyerAsTakerWithoutDeposit.removeListener(buyerAsTakerWithoutDepositListener);
 
         // focus out
         amountTextField.focusedProperty().removeListener(amountFocusedListener);
@@ -898,7 +922,7 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
         triggerPriceInputTextField.focusedProperty().removeListener(triggerPriceFocusedListener);
         marketBasedPriceTextField.focusedProperty().removeListener(priceAsPercentageFocusedListener);
         volumeTextField.focusedProperty().removeListener(volumeFocusedListener);
-        buyerSecurityDepositInputTextField.focusedProperty().removeListener(buyerSecurityDepositFocusedListener);
+        securityDepositInputTextField.focusedProperty().removeListener(securityDepositFocusedListener);
 
         // notifications
         model.getDataModel().getShowWalletFundedNotification().removeListener(getShowWalletFundedNotificationListener);
@@ -935,7 +959,7 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
     }
 
     private void addPaymentGroup() {
-        paymentTitledGroupBg = addTitledGroupBg(gridPane, gridRow, 1, Res.get("offerbook.createOffer"));
+        paymentTitledGroupBg = addTitledGroupBg(gridPane, gridRow, 1, Res.get("offerbook.createOffer"), heightAdjustment);
         GridPane.setColumnSpan(paymentTitledGroupBg, 2);
 
         HBox paymentGroupBox = new HBox();
@@ -953,7 +977,7 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
 
         GridPane.setRowIndex(paymentGroupBox, gridRow);
         GridPane.setColumnSpan(paymentGroupBox, 2);
-        GridPane.setMargin(paymentGroupBox, new Insets(Layout.FIRST_ROW_DISTANCE, 0, 0, 0));
+        GridPane.setMargin(paymentGroupBox, new Insets(Layout.FIRST_ROW_DISTANCE + heightAdjustment, 0, 0, 0));
         gridPane.getChildren().add(paymentGroupBox);
 
         tradingAccountBoxTuple.first.setMinWidth(800);
@@ -989,7 +1013,7 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
 
     private void addAmountPriceGroup() {
         amountTitledGroupBg = addTitledGroupBg(gridPane, ++gridRow, 2,
-                Res.get("createOffer.setAmountPrice"), 25);
+                Res.get("createOffer.setAmountPrice"), 25 + heightAdjustment);
         GridPane.setColumnSpan(amountTitledGroupBg, 2);
 
         addAmountPriceFields();
@@ -997,22 +1021,46 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
     }
 
     private void addOptionsGroup() {
-        setDepositTitledGroupBg = addTitledGroupBg(gridPane, ++gridRow, 1,
-                Res.get("shared.advancedOptions"), Layout.COMPACT_GROUP_DISTANCE);
+        setDepositTitledGroupBg = addTitledGroupBg(gridPane, ++gridRow, 2,
+                Res.get("shared.advancedOptions"), 25 + heightAdjustment);
 
-        advancedOptionsBox = new HBox();
-        advancedOptionsBox.setSpacing(40);
+        securityDepositAndFeeBox = new HBox();
+        securityDepositAndFeeBox.setSpacing(40);
 
-        GridPane.setRowIndex(advancedOptionsBox, gridRow);
-        GridPane.setColumnSpan(advancedOptionsBox, GridPane.REMAINING);
-        GridPane.setColumnIndex(advancedOptionsBox, 0);
-        GridPane.setHalignment(advancedOptionsBox, HPos.LEFT);
-        GridPane.setMargin(advancedOptionsBox, new Insets(Layout.COMPACT_FIRST_ROW_AND_GROUP_DISTANCE, 0, 0, 0));
-        gridPane.getChildren().add(advancedOptionsBox);
+        GridPane.setRowIndex(securityDepositAndFeeBox, gridRow);
+        GridPane.setColumnSpan(securityDepositAndFeeBox, GridPane.REMAINING);
+        GridPane.setColumnIndex(securityDepositAndFeeBox, 0);
+        GridPane.setHalignment(securityDepositAndFeeBox, HPos.LEFT);
+        GridPane.setMargin(securityDepositAndFeeBox, new Insets(Layout.COMPACT_FIRST_ROW_AND_GROUP_DISTANCE, 0, 0, 0));
+        gridPane.getChildren().add(securityDepositAndFeeBox);
 
         VBox tradeFeeFieldsBox = getTradeFeeFieldsBox();
         tradeFeeFieldsBox.setMinWidth(240);
-        advancedOptionsBox.getChildren().addAll(getBuyerSecurityDepositBox(), tradeFeeFieldsBox);
+        securityDepositAndFeeBox.getChildren().addAll(getSecurityDepositBox(), tradeFeeFieldsBox);
+
+        buyerAsTakerWithoutDepositSlider = FormBuilder.addSlideToggleButton(gridPane, ++gridRow, Res.get("createOffer.buyerAsTakerWithoutDeposit"));
+        buyerAsTakerWithoutDepositSlider.setOnAction(event -> {
+
+            // popup info box
+            String key = "popup.info.buyerAsTakerWithoutDeposit";
+            if (buyerAsTakerWithoutDepositSlider.isSelected() && DontShowAgainLookup.showAgain(key)) {
+                new Popup().headLine(Res.get(key + ".headline"))
+                        .information(Res.get(key))
+                        .closeButtonText(Res.get("shared.cancel"))
+                        .actionButtonText(Res.get("shared.ok"))
+                        .onAction(() -> model.dataModel.setBuyerAsTakerWithoutDeposit(true))
+                        .onClose(() -> {
+                            buyerAsTakerWithoutDepositSlider.setSelected(false);
+                            model.dataModel.setBuyerAsTakerWithoutDeposit(false);
+                        })
+                        .dontShowAgainId(key)
+                        .show();
+            } else {
+                model.dataModel.setBuyerAsTakerWithoutDeposit(buyerAsTakerWithoutDepositSlider.isSelected());
+            }
+        });
+        GridPane.setHalignment(buyerAsTakerWithoutDepositSlider, HPos.LEFT);
+        GridPane.setMargin(buyerAsTakerWithoutDepositSlider, new Insets(0, 0, 0, 0));
 
         Tuple2<Button, Button> tuple = add2ButtonsAfterGroup(gridPane, ++gridRow,
                 Res.get("shared.nextStep"), Res.get("shared.cancel"));
@@ -1060,26 +1108,28 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
         nextButton.setManaged(false);
         cancelButton1.setVisible(false);
         cancelButton1.setManaged(false);
-        advancedOptionsBox.setVisible(false);
-        advancedOptionsBox.setManaged(false);
+        securityDepositAndFeeBox.setVisible(false);
+        securityDepositAndFeeBox.setManaged(false);
+        buyerAsTakerWithoutDepositSlider.setVisible(false);
+        buyerAsTakerWithoutDepositSlider.setManaged(false);
     }
 
-    private VBox getBuyerSecurityDepositBox() {
+    private VBox getSecurityDepositBox() {
         Tuple3<HBox, InfoInputTextField, Label> tuple = getEditableValueBoxWithInfo(
                 Res.get("createOffer.securityDeposit.prompt"));
-        buyerSecurityDepositInfoInputTextField = tuple.second;
-        buyerSecurityDepositInputTextField = buyerSecurityDepositInfoInputTextField.getInputTextField();
-        buyerSecurityDepositPercentageLabel = tuple.third;
+        securityDepositInfoInputTextField = tuple.second;
+        securityDepositInputTextField = securityDepositInfoInputTextField.getInputTextField();
+        securityDepositPercentageLabel = tuple.third;
         // getEditableValueBox delivers BTC, so we overwrite it with %
-        buyerSecurityDepositPercentageLabel.setText("%");
+        securityDepositPercentageLabel.setText("%");
 
         Tuple2<Label, VBox> tradeInputBoxTuple = getTradeInputBox(tuple.first, model.getSecurityDepositLabel());
         VBox depositBox = tradeInputBoxTuple.second;
-        buyerSecurityDepositLabel = tradeInputBoxTuple.first;
+        securityDepositLabel = tradeInputBoxTuple.first;
         depositBox.setMaxWidth(310);
 
-        editOfferElements.add(buyerSecurityDepositInputTextField);
-        editOfferElements.add(buyerSecurityDepositPercentageLabel);
+        editOfferElements.add(securityDepositInputTextField);
+        editOfferElements.add(securityDepositPercentageLabel);
 
         return depositBox;
     }
@@ -1087,7 +1137,7 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
     private void addFundingGroup() {
         // don't increase gridRow as we removed button when this gets visible
         payFundsTitledGroupBg = addTitledGroupBg(gridPane, gridRow, 3,
-                Res.get("createOffer.fundsBox.title"), 25);
+                Res.get("createOffer.fundsBox.title"), 20 + heightAdjustment);
         payFundsTitledGroupBg.getStyleClass().add("last");
         GridPane.setColumnSpan(payFundsTitledGroupBg, 2);
         payFundsTitledGroupBg.setVisible(false);
@@ -1095,7 +1145,7 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
         totalToPayTextField = addFundsTextfield(gridPane, gridRow,
                 Res.get("shared.totalsNeeded"), Layout.COMPACT_FIRST_ROW_AND_GROUP_DISTANCE);
         totalToPayTextField.setVisible(false);
-        GridPane.setMargin(totalToPayTextField, new Insets(65, 10, 0, 0));
+        GridPane.setMargin(totalToPayTextField, new Insets(60 + heightAdjustment, 10, 0, 0));
 
         qrCodeImageView = new ImageView();
         qrCodeImageView.setVisible(false);
@@ -1121,15 +1171,15 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
                 Res.get("shared.tradeWalletBalance"));
         balanceTextField.setVisible(false);
 
-        reserveExactAmountCheckbox = FormBuilder.addLabelCheckBox(gridPane, ++gridRow,
-                Res.get("shared.reserveExactAmount"));
-
-        GridPane.setHalignment(reserveExactAmountCheckbox, HPos.LEFT);
-
-        reserveExactAmountCheckbox.setVisible(false);
-        reserveExactAmountCheckbox.setSelected(preferences.getSplitOfferOutput());
-        reserveExactAmountCheckbox.setOnAction(event -> {
-            boolean selected = reserveExactAmountCheckbox.isSelected();
+        
+        reserveExactAmountSlider = FormBuilder.addSlideToggleButton(gridPane, ++gridRow, Res.get("shared.reserveExactAmount"), heightAdjustment);
+        GridPane.setHalignment(reserveExactAmountSlider, HPos.LEFT);
+        GridPane.setMargin(reserveExactAmountSlider, new Insets(-5, 0, -5, 0));
+        reserveExactAmountSlider.setPadding(new Insets(0, 0, 0, 0));
+        reserveExactAmountSlider.setVisible(false);
+        reserveExactAmountSlider.setSelected(preferences.getSplitOfferOutput());
+        reserveExactAmountSlider.setOnAction(event -> {
+            boolean selected = reserveExactAmountSlider.isSelected();
             if (selected != preferences.getSplitOfferOutput()) {
                 preferences.setSplitOfferOutput(selected);
                 model.dataModel.setReserveExactAmount(selected);
@@ -1289,7 +1339,7 @@ public abstract class MutableOfferView<M extends MutableOfferViewModel<?>> exten
         firstRowHBox.getChildren().addAll(amountBox, xLabel, percentagePriceBox, resultLabel, volumeBox);
         GridPane.setColumnSpan(firstRowHBox, 2);
         GridPane.setRowIndex(firstRowHBox, gridRow);
-        GridPane.setMargin(firstRowHBox, new Insets(40, 10, 0, 0));
+        GridPane.setMargin(firstRowHBox, new Insets(40 + heightAdjustment, 10, 0, 0));
         gridPane.getChildren().add(firstRowHBox);
     }
 

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

@@ -113,9 +113,9 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
 
     public final StringProperty amount = new SimpleStringProperty();
     public final StringProperty minAmount = new SimpleStringProperty();
-    protected final StringProperty buyerSecurityDeposit = new SimpleStringProperty();
-    final StringProperty buyerSecurityDepositInBTC = new SimpleStringProperty();
-    final StringProperty buyerSecurityDepositLabel = new SimpleStringProperty();
+    protected final StringProperty securityDeposit = new SimpleStringProperty();
+    final StringProperty securityDepositInXMR = new SimpleStringProperty();
+    final StringProperty securityDepositLabel = new SimpleStringProperty();
 
     // Price in the viewModel is always dependent on fiat/crypto: Fiat Fiat/BTC, for cryptos we use inverted price.
     // The domain (dataModel) uses always the same price model (otherCurrencyBTC)
@@ -151,14 +151,14 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
     final BooleanProperty showPayFundsScreenDisplayed = new SimpleBooleanProperty();
     private final BooleanProperty showTransactionPublishedScreen = new SimpleBooleanProperty();
     final BooleanProperty isWaitingForFunds = new SimpleBooleanProperty();
-    final BooleanProperty isMinBuyerSecurityDeposit = new SimpleBooleanProperty();
+    final BooleanProperty isMinSecurityDeposit = new SimpleBooleanProperty();
 
     final ObjectProperty<InputValidator.ValidationResult> amountValidationResult = new SimpleObjectProperty<>();
     final ObjectProperty<InputValidator.ValidationResult> minAmountValidationResult = new SimpleObjectProperty<>();
     final ObjectProperty<InputValidator.ValidationResult> priceValidationResult = new SimpleObjectProperty<>();
     final ObjectProperty<InputValidator.ValidationResult> triggerPriceValidationResult = new SimpleObjectProperty<>(new InputValidator.ValidationResult(true));
     final ObjectProperty<InputValidator.ValidationResult> volumeValidationResult = new SimpleObjectProperty<>();
-    final ObjectProperty<InputValidator.ValidationResult> buyerSecurityDepositValidationResult = new SimpleObjectProperty<>();
+    final ObjectProperty<InputValidator.ValidationResult> securityDepositValidationResult = new SimpleObjectProperty<>();
 
     private ChangeListener<String> amountStringListener;
     private ChangeListener<String> minAmountStringListener;
@@ -171,6 +171,7 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
     private ChangeListener<Price> priceListener;
     private ChangeListener<Volume> volumeListener;
     private ChangeListener<Number> securityDepositAsDoubleListener;
+    private ChangeListener<Boolean> buyerAsTakerWithoutDepositListener;
 
     private ChangeListener<Boolean> isWalletFundedListener;
     private ChangeListener<String> errorMessageListener;
@@ -303,7 +304,7 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
                     dataModel.calculateVolume();
                     dataModel.calculateTotalToPay();
                 }
-                updateBuyerSecurityDeposit();
+                updateSecurityDeposit();
                 updateButtonDisableState();
             }
         };
@@ -419,34 +420,36 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
                 updateButtonDisableState();
             }
         };
+
         securityDepositStringListener = (ov, oldValue, newValue) -> {
             if (!ignoreSecurityDepositStringListener) {
                 if (securityDepositValidator.validate(newValue).isValid) {
-                    setBuyerSecurityDepositToModel();
+                    setSecurityDepositToModel();
                     dataModel.calculateTotalToPay();
                 }
                 updateButtonDisableState();
             }
         };
 
-
         amountListener = (ov, oldValue, newValue) -> {
             if (newValue != null) {
                 amount.set(HavenoUtils.formatXmr(newValue));
-                buyerSecurityDepositInBTC.set(HavenoUtils.formatXmr(dataModel.getBuyerSecurityDeposit(), true));
+                securityDepositInXMR.set(HavenoUtils.formatXmr(dataModel.getSecurityDeposit(), true));
             } else {
                 amount.set("");
-                buyerSecurityDepositInBTC.set("");
+                securityDepositInXMR.set("");
             }
 
             applyMakerFee();
         };
+
         minAmountListener = (ov, oldValue, newValue) -> {
             if (newValue != null)
                 minAmount.set(HavenoUtils.formatXmr(newValue));
             else
                 minAmount.set("");
         };
+
         priceListener = (ov, oldValue, newValue) -> {
             ignorePriceStringListener = true;
             if (newValue != null)
@@ -457,6 +460,7 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
             ignorePriceStringListener = false;
             applyMakerFee();
         };
+
         volumeListener = (ov, oldValue, newValue) -> {
             ignoreVolumeStringListener = true;
             if (newValue != null)
@@ -470,17 +474,26 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
 
         securityDepositAsDoubleListener = (ov, oldValue, newValue) -> {
             if (newValue != null) {
-                buyerSecurityDeposit.set(FormattingUtils.formatToPercent((double) newValue));
+                securityDeposit.set(FormattingUtils.formatToPercent((double) newValue));
                 if (dataModel.getAmount().get() != null) {
-                    buyerSecurityDepositInBTC.set(HavenoUtils.formatXmr(dataModel.getBuyerSecurityDeposit(), true));
+                    securityDepositInXMR.set(HavenoUtils.formatXmr(dataModel.getSecurityDeposit(), true));
                 }
-                updateBuyerSecurityDeposit();
+                updateSecurityDeposit();
             } else {
-                buyerSecurityDeposit.set("");
-                buyerSecurityDepositInBTC.set("");
+                securityDeposit.set("");
+                securityDepositInXMR.set("");
             }
         };
 
+        buyerAsTakerWithoutDepositListener = (ov, oldValue, newValue) -> {
+            if (dataModel.paymentAccount != null) xmrValidator.setMaxValue(dataModel.paymentAccount.getPaymentMethod().getMaxTradeLimit(dataModel.getTradeCurrencyCode().get()));
+            xmrValidator.setMaxTradeLimit(BigInteger.valueOf(dataModel.getMaxTradeLimit()));
+            if (amount.get() != null) amountValidationResult.set(isXmrInputValid(amount.get()));
+            updateSecurityDeposit();
+            applyMakerFee();
+            dataModel.calculateTotalToPay();
+            updateButtonDisableState();
+        };
 
         isWalletFundedListener = (ov, oldValue, newValue) -> updateButtonDisableState();
        /* feeFromFundingTxListener = (ov, oldValue, newValue) -> {
@@ -525,14 +538,15 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
         marketPriceMargin.addListener(marketPriceMarginStringListener);
         dataModel.getUseMarketBasedPrice().addListener(useMarketBasedPriceListener);
         volume.addListener(volumeStringListener);
-        buyerSecurityDeposit.addListener(securityDepositStringListener);
+        securityDeposit.addListener(securityDepositStringListener);
 
         // Binding with Bindings.createObjectBinding does not work because of bi-directional binding
         dataModel.getAmount().addListener(amountListener);
         dataModel.getMinAmount().addListener(minAmountListener);
         dataModel.getPrice().addListener(priceListener);
         dataModel.getVolume().addListener(volumeListener);
-        dataModel.getBuyerSecurityDepositPct().addListener(securityDepositAsDoubleListener);
+        dataModel.getSecurityDepositPct().addListener(securityDepositAsDoubleListener);
+        dataModel.getBuyerAsTakerWithoutDeposit().addListener(buyerAsTakerWithoutDepositListener);
 
         // dataModel.feeFromFundingTxProperty.addListener(feeFromFundingTxListener);
         dataModel.getIsXmrWalletFunded().addListener(isWalletFundedListener);
@@ -547,14 +561,15 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
         marketPriceMargin.removeListener(marketPriceMarginStringListener);
         dataModel.getUseMarketBasedPrice().removeListener(useMarketBasedPriceListener);
         volume.removeListener(volumeStringListener);
-        buyerSecurityDeposit.removeListener(securityDepositStringListener);
+        securityDeposit.removeListener(securityDepositStringListener);
 
         // Binding with Bindings.createObjectBinding does not work because of bi-directional binding
         dataModel.getAmount().removeListener(amountListener);
         dataModel.getMinAmount().removeListener(minAmountListener);
         dataModel.getPrice().removeListener(priceListener);
         dataModel.getVolume().removeListener(volumeListener);
-        dataModel.getBuyerSecurityDepositPct().removeListener(securityDepositAsDoubleListener);
+        dataModel.getSecurityDepositPct().removeListener(securityDepositAsDoubleListener);
+        dataModel.getBuyerAsTakerWithoutDeposit().removeListener(buyerAsTakerWithoutDepositListener);
 
         //dataModel.feeFromFundingTxProperty.removeListener(feeFromFundingTxListener);
         dataModel.getIsXmrWalletFunded().removeListener(isWalletFundedListener);
@@ -593,9 +608,9 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
         }
 
         securityDepositValidator.setPaymentAccount(dataModel.paymentAccount);
-        validateAndSetBuyerSecurityDepositToModel();
-        buyerSecurityDeposit.set(FormattingUtils.formatToPercent(dataModel.getBuyerSecurityDepositPct().get()));
-        buyerSecurityDepositLabel.set(getSecurityDepositLabel());
+        validateAndSetSecurityDepositToModel();
+        securityDeposit.set(FormattingUtils.formatToPercent(dataModel.getSecurityDepositPct().get()));
+        securityDepositLabel.set(getSecurityDepositLabel());
 
         applyMakerFee();
         return result;
@@ -932,14 +947,14 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
         }
     }
 
-    void onFocusOutBuyerSecurityDepositTextField(boolean oldValue, boolean newValue) {
+    void onFocusOutSecurityDepositTextField(boolean oldValue, boolean newValue) {
         if (oldValue && !newValue) {
-            InputValidator.ValidationResult result = securityDepositValidator.validate(buyerSecurityDeposit.get());
-            buyerSecurityDepositValidationResult.set(result);
+            InputValidator.ValidationResult result = securityDepositValidator.validate(securityDeposit.get());
+            securityDepositValidationResult.set(result);
             if (result.isValid) {
-                double defaultSecurityDeposit = Restrictions.getDefaultBuyerSecurityDepositAsPercent();
+                double defaultSecurityDeposit = Restrictions.getDefaultSecurityDepositAsPercent();
                 String key = "buyerSecurityDepositIsLowerAsDefault";
-                double depositAsDouble = ParsingUtils.parsePercentStringToDouble(buyerSecurityDeposit.get());
+                double depositAsDouble = ParsingUtils.parsePercentStringToDouble(securityDeposit.get());
                 if (preferences.showAgain(key) && depositAsDouble < defaultSecurityDeposit) {
                     String postfix = dataModel.isBuyOffer() ?
                             Res.get("createOffer.tooLowSecDeposit.makerIsBuyer") :
@@ -950,26 +965,26 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
                             .width(800)
                             .actionButtonText(Res.get("createOffer.resetToDefault"))
                             .onAction(() -> {
-                                dataModel.setBuyerSecurityDeposit(defaultSecurityDeposit);
+                                dataModel.setSecurityDepositPct(defaultSecurityDeposit);
                                 ignoreSecurityDepositStringListener = true;
-                                buyerSecurityDeposit.set(FormattingUtils.formatToPercent(dataModel.getBuyerSecurityDepositPct().get()));
+                                securityDeposit.set(FormattingUtils.formatToPercent(dataModel.getSecurityDepositPct().get()));
                                 ignoreSecurityDepositStringListener = false;
                             })
                             .closeButtonText(Res.get("createOffer.useLowerValue"))
-                            .onClose(this::applyBuyerSecurityDepositOnFocusOut)
+                            .onClose(this::applySecurityDepositOnFocusOut)
                             .dontShowAgainId(key)
                             .show();
                 } else {
-                    applyBuyerSecurityDepositOnFocusOut();
+                    applySecurityDepositOnFocusOut();
                 }
             }
         }
     }
 
-    private void applyBuyerSecurityDepositOnFocusOut() {
-        setBuyerSecurityDepositToModel();
+    private void applySecurityDepositOnFocusOut() {
+        setSecurityDepositToModel();
         ignoreSecurityDepositStringListener = true;
-        buyerSecurityDeposit.set(FormattingUtils.formatToPercent(dataModel.getBuyerSecurityDepositPct().get()));
+        securityDeposit.set(FormattingUtils.formatToPercent(dataModel.getSecurityDepositPct().get()));
         ignoreSecurityDepositStringListener = false;
     }
 
@@ -1024,13 +1039,15 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
     }
 
     public String getSecurityDepositLabel() {
-        return Preferences.USE_SYMMETRIC_SECURITY_DEPOSIT ? Res.get("createOffer.setDepositForBothTraders") :
+        return dataModel.buyerAsTakerWithoutDeposit.get() && dataModel.isSellOffer() ? Res.get("createOffer.myDeposit") :
+                Preferences.USE_SYMMETRIC_SECURITY_DEPOSIT ? Res.get("createOffer.setDepositForBothTraders") :
                 dataModel.isBuyOffer() ? Res.get("createOffer.setDepositAsBuyer") : Res.get("createOffer.setDeposit");
     }
 
-    public String getSecurityDepositPopOverLabel(String depositInBTC) {
-        return dataModel.isBuyOffer() ? Res.get("createOffer.securityDepositInfoAsBuyer", depositInBTC) :
-                Res.get("createOffer.securityDepositInfo", depositInBTC);
+    public String getSecurityDepositPopOverLabel(String depositInXMR) {
+        return dataModel.buyerAsTakerWithoutDeposit.get() && dataModel.isSellOffer() ? Res.get("createOffer.myDepositInfo", depositInXMR) :
+                dataModel.isBuyOffer() ? Res.get("createOffer.securityDepositInfoAsBuyer", depositInXMR) :
+                Res.get("createOffer.securityDepositInfo", depositInXMR);
     }
 
     public String getSecurityDepositInfo() {
@@ -1193,19 +1210,19 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
         }
     }
 
-    private void setBuyerSecurityDepositToModel() {
-        if (buyerSecurityDeposit.get() != null && !buyerSecurityDeposit.get().isEmpty()) {
-            dataModel.setBuyerSecurityDeposit(ParsingUtils.parsePercentStringToDouble(buyerSecurityDeposit.get()));
+    private void setSecurityDepositToModel() {
+        if (!(dataModel.buyerAsTakerWithoutDeposit.get() && dataModel.isSellOffer()) && securityDeposit.get() != null && !securityDeposit.get().isEmpty()) {
+            dataModel.setSecurityDepositPct(ParsingUtils.parsePercentStringToDouble(securityDeposit.get()));
         } else {
-            dataModel.setBuyerSecurityDeposit(Restrictions.getDefaultBuyerSecurityDepositAsPercent());
+            dataModel.setSecurityDepositPct(Restrictions.getDefaultSecurityDepositAsPercent());
         }
     }
 
-    private void validateAndSetBuyerSecurityDepositToModel() {
+    private void validateAndSetSecurityDepositToModel() {
         // If the security deposit in the model is not valid percent
-        String value = FormattingUtils.formatToPercent(dataModel.getBuyerSecurityDepositPct().get());
+        String value = FormattingUtils.formatToPercent(dataModel.getSecurityDepositPct().get());
         if (!securityDepositValidator.validate(value).isValid) {
-            dataModel.setBuyerSecurityDeposit(Restrictions.getDefaultBuyerSecurityDepositAsPercent());
+            dataModel.setSecurityDepositPct(Restrictions.getDefaultSecurityDepositAsPercent());
         }
     }
 
@@ -1263,15 +1280,17 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
         isWaitingForFunds.set(!waitingForFundsText.get().isEmpty());
     }
 
-    private void updateBuyerSecurityDeposit() {
-        isMinBuyerSecurityDeposit.set(dataModel.isMinBuyerSecurityDeposit());
-
-        if (dataModel.isMinBuyerSecurityDeposit()) {
-            buyerSecurityDepositLabel.set(Res.get("createOffer.minSecurityDepositUsed"));
-            buyerSecurityDeposit.set(HavenoUtils.formatXmr(Restrictions.getMinBuyerSecurityDeposit()));
+    private void updateSecurityDeposit() {
+        isMinSecurityDeposit.set(dataModel.isMinSecurityDeposit());
+        if (dataModel.isMinSecurityDeposit()) {
+            securityDepositLabel.set(Res.get("createOffer.minSecurityDepositUsed"));
+            securityDeposit.set(HavenoUtils.formatXmr(Restrictions.getMinSecurityDeposit()));
         } else {
-            buyerSecurityDepositLabel.set(getSecurityDepositLabel());
-            buyerSecurityDeposit.set(FormattingUtils.formatToPercent(dataModel.getBuyerSecurityDepositPct().get()));
+            securityDepositLabel.set(getSecurityDepositLabel());
+            boolean hasBuyerAsTakerWithoutDeposit = dataModel.buyerAsTakerWithoutDeposit.get() && dataModel.isSellOffer();
+            securityDeposit.set(FormattingUtils.formatToPercent(hasBuyerAsTakerWithoutDeposit ?
+                    Restrictions.getDefaultSecurityDepositAsPercent() : // use default percent if no deposit from buyer
+                    dataModel.getSecurityDepositPct().get()));
         }
     }
 
@@ -1293,8 +1312,8 @@ public abstract class MutableOfferViewModel<M extends MutableOfferDataModel> ext
         }
 
         // validating the percentage deposit value only makes sense if it is actually used
-        if (!dataModel.isMinBuyerSecurityDeposit()) {
-            inputDataValid = inputDataValid && securityDepositValidator.validate(buyerSecurityDeposit.get()).isValid;
+        if (!dataModel.isMinSecurityDeposit()) {
+            inputDataValid = inputDataValid && securityDepositValidator.validate(securityDeposit.get()).isValid;
         }
 
         isNextButtonDisabled.set(!inputDataValid);

desktop/src/main/java/haveno/desktop/main/offer/OfferDataModel.java

@@ -87,4 +87,8 @@ public abstract class OfferDataModel extends ActivatableDataModel {
         });
 
     }
+
+    public boolean hasTotalToPay() {
+        return totalToPay.get() != null && totalToPay.get().compareTo(BigInteger.ZERO) > 0;
+    }
 }

desktop/src/main/java/haveno/desktop/main/offer/offerbook/OfferBookView.java

@@ -17,6 +17,7 @@
 
 package haveno.desktop.main.offer.offerbook;
 
+import de.jensd.fx.fontawesome.AwesomeDude;
 import de.jensd.fx.fontawesome.AwesomeIcon;
 import de.jensd.fx.glyphs.materialdesignicons.MaterialDesignIcon;
 import haveno.common.UserThread;
@@ -44,7 +45,6 @@ import haveno.desktop.common.view.ActivatableViewAndModel;
 import haveno.desktop.components.AccountStatusTooltipLabel;
 import haveno.desktop.components.AutoTooltipButton;
 import haveno.desktop.components.AutoTooltipLabel;
-import haveno.desktop.components.AutoTooltipSlideToggleButton;
 import haveno.desktop.components.AutoTooltipTableColumn;
 import haveno.desktop.components.AutoTooltipTextField;
 import haveno.desktop.components.AutocompleteComboBox;
@@ -83,6 +83,7 @@ import javafx.scene.control.TableCell;
 import javafx.scene.control.TableColumn;
 import javafx.scene.control.TableRow;
 import javafx.scene.control.TableView;
+import javafx.scene.control.ToggleButton;
 import javafx.scene.control.Tooltip;
 import javafx.scene.image.ImageView;
 import javafx.scene.layout.GridPane;
@@ -120,7 +121,8 @@ abstract public class OfferBookView<R extends GridPane, M extends OfferBookViewM
     private AutocompleteComboBox<PaymentMethod> paymentMethodComboBox;
     private AutoTooltipButton createOfferButton;
     private AutoTooltipTextField filterInputField;
-    private AutoTooltipSlideToggleButton matchingOffersToggle;
+    private ToggleButton matchingOffersToggleButton;
+    private ToggleButton noDepositOffersToggleButton;
     private AutoTooltipTableColumn<OfferBookListItem, OfferBookListItem> amountColumn;
     private AutoTooltipTableColumn<OfferBookListItem, OfferBookListItem> volumeColumn;
     private AutoTooltipTableColumn<OfferBookListItem, OfferBookListItem> marketColumn;
@@ -183,9 +185,17 @@ abstract public class OfferBookView<R extends GridPane, M extends OfferBookViewM
         paymentMethodComboBox.setCellFactory(GUIUtil.getPaymentMethodCellFactory());
         paymentMethodComboBox.setPrefWidth(250);
 
-        matchingOffersToggle = new AutoTooltipSlideToggleButton();
-        matchingOffersToggle.setText(Res.get("offerbook.matchingOffers"));
-        HBox.setMargin(matchingOffersToggle, new Insets(7, 0, -9, -15));
+        matchingOffersToggleButton = AwesomeDude.createIconToggleButton(AwesomeIcon.USER, null, "1.3em", null);
+        matchingOffersToggleButton.getStyleClass().add("toggle-button-no-slider");
+        matchingOffersToggleButton.setPrefHeight(27);
+        Tooltip matchingOffersTooltip = new Tooltip(Res.get("offerbook.matchingOffers"));
+        Tooltip.install(matchingOffersToggleButton, matchingOffersTooltip);
+
+        noDepositOffersToggleButton = new ToggleButton(Res.get("offerbook.filterNoDeposit"));
+        noDepositOffersToggleButton.getStyleClass().add("toggle-button-no-slider");
+        noDepositOffersToggleButton.setPrefHeight(27);
+        Tooltip noDepositOffersTooltip = new Tooltip(Res.get("offerbook.noDepositOffers"));
+        Tooltip.install(noDepositOffersToggleButton, noDepositOffersTooltip);
 
         createOfferButton = new AutoTooltipButton("");
         createOfferButton.setMinHeight(40);
@@ -208,7 +218,7 @@ abstract public class OfferBookView<R extends GridPane, M extends OfferBookViewM
         filterInputField.setPromptText(Res.get("market.offerBook.filterPrompt"));
 
         offerToolsBox.getChildren().addAll(currencyBoxTuple.first, paymentBoxTuple.first,
-                filterBox, matchingOffersToggle, getSpacer(), createOfferButtonStack);
+                filterBox, matchingOffersToggleButton, noDepositOffersToggleButton, getSpacer(), createOfferButtonStack);
 
         GridPane.setHgrow(offerToolsBox, Priority.ALWAYS);
         GridPane.setRowIndex(offerToolsBox, gridRow);
@@ -346,9 +356,12 @@ abstract public class OfferBookView<R extends GridPane, M extends OfferBookViewM
 
         currencyComboBox.getEditor().setText(new CurrencyStringConverter(currencyComboBox).toString(currencyComboBox.getSelectionModel().getSelectedItem()));
 
-        matchingOffersToggle.setSelected(model.useOffersMatchingMyAccountsFilter);
-        matchingOffersToggle.disableProperty().bind(model.disableMatchToggle);
-        matchingOffersToggle.setOnAction(e -> model.onShowOffersMatchingMyAccounts(matchingOffersToggle.isSelected()));
+        matchingOffersToggleButton.setSelected(model.useOffersMatchingMyAccountsFilter);
+        matchingOffersToggleButton.disableProperty().bind(model.disableMatchToggle);
+        matchingOffersToggleButton.setOnAction(e -> model.onShowOffersMatchingMyAccounts(matchingOffersToggleButton.isSelected()));
+
+        noDepositOffersToggleButton.setSelected(model.showPrivateOffers);
+        noDepositOffersToggleButton.setOnAction(e -> model.onShowPrivateOffers(noDepositOffersToggleButton.isSelected()));
 
         model.getOfferList().comparatorProperty().bind(tableView.comparatorProperty());
 
@@ -452,8 +465,10 @@ abstract public class OfferBookView<R extends GridPane, M extends OfferBookViewM
     @Override
     protected void deactivate() {
         createOfferButton.setOnAction(null);
-        matchingOffersToggle.setOnAction(null);
-        matchingOffersToggle.disableProperty().unbind();
+        matchingOffersToggleButton.setOnAction(null);
+        matchingOffersToggleButton.disableProperty().unbind();
+        noDepositOffersToggleButton.setOnAction(null);
+        noDepositOffersToggleButton.disableProperty().unbind();
         model.getOfferList().comparatorProperty().unbind();
 
         volumeColumn.sortableProperty().unbind();
@@ -574,6 +589,10 @@ abstract public class OfferBookView<R extends GridPane, M extends OfferBookViewM
         iconView.setId(direction == OfferDirection.SELL ? "image-sell-white" : "image-buy-white");
         createOfferButton.setId(direction == OfferDirection.SELL ? "sell-button-big" : "buy-button-big");
         avatarColumn.setTitle(direction == OfferDirection.SELL ? Res.get("shared.buyerUpperCase") : Res.get("shared.sellerUpperCase"));
+        if (direction == OfferDirection.SELL) {
+            noDepositOffersToggleButton.setVisible(false);
+            noDepositOffersToggleButton.setManaged(false);
+        } 
     }
 
     public void setOfferActionHandler(OfferView.OfferActionHandler offerActionHandler) {
@@ -658,7 +677,7 @@ abstract public class OfferBookView<R extends GridPane, M extends OfferBookViewM
                 Optional<PaymentAccount> account = model.getMostMaturePaymentAccountForOffer(offer);
                 if (account.isPresent()) {
                     long tradeLimit = model.accountAgeWitnessService.getMyTradeLimit(account.get(),
-                            offer.getCurrencyCode(), offer.getMirroredDirection());
+                            offer.getCurrencyCode(), offer.getMirroredDirection(), offer.hasBuyerAsTakerWithoutDeposit());
                     new Popup()
                             .warning(Res.get("popup.warning.tradeLimitDueAccountAgeRestriction.buyer",
                                     HavenoUtils.formatXmr(tradeLimit, true),
@@ -1123,7 +1142,10 @@ abstract public class OfferBookView<R extends GridPane, M extends OfferBookViewM
                                         button2.setVisible(true);
                                     } else {
                                         boolean isSellOffer = OfferViewUtil.isShownAsSellOffer(offer);
-                                        iconView.setId(isSellOffer ? "image-buy-white" : "image-sell-white");
+                                        boolean isPrivateOffer = offer.isPrivateOffer();
+                                        iconView.setId(isPrivateOffer ? "image-lock2x" : isSellOffer ? "image-buy-white" : "image-sell-white");
+                                        iconView.setFitHeight(16);
+                                        iconView.setFitWidth(16);
                                         button.setId(isSellOffer ? "buy-button" : "sell-button");
                                         button.setStyle("-fx-text-fill: white");
                                         title = Res.get("offerbook.takeOffer");

desktop/src/main/java/haveno/desktop/main/offer/offerbook/OfferBookViewModel.java

@@ -130,6 +130,7 @@ abstract class OfferBookViewModel extends ActivatableViewModel {
     final IntegerProperty maxPlacesForMarketPriceMargin = new SimpleIntegerProperty();
     boolean showAllPaymentMethods = true;
     boolean useOffersMatchingMyAccountsFilter;
+    boolean showPrivateOffers;
 
 
     ///////////////////////////////////////////////////////////////////////////////////////////
@@ -213,6 +214,7 @@ abstract class OfferBookViewModel extends ActivatableViewModel {
             disableMatchToggle.set(user.getPaymentAccounts() == null || user.getPaymentAccounts().isEmpty());
         }
         useOffersMatchingMyAccountsFilter = !disableMatchToggle.get() && isShowOffersMatchingMyAccounts();
+        showPrivateOffers = preferences.isShowPrivateOffers();
 
         fillCurrencies();
         updateSelectedTradeCurrency();
@@ -307,6 +309,12 @@ abstract class OfferBookViewModel extends ActivatableViewModel {
         filterOffers();
     }
 
+    void onShowPrivateOffers(boolean isSelected) {
+        showPrivateOffers = isSelected;
+        preferences.setShowPrivateOffers(isSelected);
+        filterOffers();
+    }
+
 
     ///////////////////////////////////////////////////////////////////////////////////////////
     // Getters
@@ -571,6 +579,8 @@ abstract class OfferBookViewModel extends ActivatableViewModel {
                 getCurrencyAndMethodPredicate(direction, selectedTradeCurrency).and(getOffersMatchingMyAccountsPredicate()) :
                 getCurrencyAndMethodPredicate(direction, selectedTradeCurrency);
 
+        predicate = predicate.and(offerBookListItem -> offerBookListItem.getOffer().isPrivateOffer() == showPrivateOffers);
+
         if (!filterText.isEmpty()) {
 
             // filter node address

desktop/src/main/java/haveno/desktop/main/offer/takeoffer/TakeOfferDataModel.java

@@ -341,7 +341,7 @@ class TakeOfferDataModel extends OfferDataModel {
     long getMaxTradeLimit() {
         if (paymentAccount != null) {
             return accountAgeWitnessService.getMyTradeLimit(paymentAccount, getCurrencyCode(),
-                    offer.getMirroredDirection());
+                    offer.getMirroredDirection(), offer.hasBuyerAsTakerWithoutDeposit());
         } else {
             return 0;
         }

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

@@ -123,6 +123,8 @@ public class TakeOfferView extends ActivatableViewAndModel<AnchorPane, TakeOffer
 
     private ScrollPane scrollPane;
     private GridPane gridPane;
+    private TitledGroupBg noFundingRequiredTitledGroupBg;
+    private Label noFundingRequiredLabel;
     private TitledGroupBg payFundsTitledGroupBg;
     private TitledGroupBg advancedOptionsGroup;
     private VBox priceAsPercentageInputBox, amountRangeBox;
@@ -452,7 +454,7 @@ public class TakeOfferView extends ActivatableViewAndModel<AnchorPane, TakeOffer
 
         balanceTextField.setTargetAmount(model.dataModel.getTotalToPay().get());
 
-        if (!DevEnv.isDevMode()) {
+        if (!DevEnv.isDevMode() && model.dataModel.hasTotalToPay()) {
             String tradeAmountText = model.isSeller() ? Res.get("takeOffer.takeOfferFundWalletInfo.tradeAmount", model.getTradeAmount()) : "";
             String message = Res.get("takeOffer.takeOfferFundWalletInfo.msg",
                     model.getTotalToPayInfo(),
@@ -472,17 +474,22 @@ public class TakeOfferView extends ActivatableViewAndModel<AnchorPane, TakeOffer
         // temporarily disabled due to high CPU usage (per issue #4649)
         //waitingForFundsBusyAnimation.play();
 
-        payFundsTitledGroupBg.setVisible(true);
-        totalToPayTextField.setVisible(true);
-        addressTextField.setVisible(true);
-        qrCodeImageView.setVisible(true);
-        balanceTextField.setVisible(true);
+        if (model.getOffer().hasBuyerAsTakerWithoutDeposit()) {
+            noFundingRequiredTitledGroupBg.setVisible(true);
+            noFundingRequiredLabel.setVisible(true);
+        } else {
+            payFundsTitledGroupBg.setVisible(true);
+            totalToPayTextField.setVisible(true);
+            addressTextField.setVisible(true);
+            qrCodeImageView.setVisible(true);
+            balanceTextField.setVisible(true);
+        }
 
         totalToPayTextField.setFundsStructure(Res.get("takeOffer.fundsBox.fundsStructure",
                 model.getSecurityDepositWithCode(), model.getTakerFeePercentage()));
         totalToPayTextField.setContentForInfoPopOver(createInfoPopover());
 
-        if (model.dataModel.getIsXmrWalletFunded().get()) {
+        if (model.dataModel.getIsXmrWalletFunded().get() && model.dataModel.hasTotalToPay()) {
             if (walletFundedNotification == null) {
                 walletFundedNotification = new Notification()
                         .headLine(Res.get("notification.walletUpdate.headline"))
@@ -847,7 +854,24 @@ public class TakeOfferView extends ActivatableViewAndModel<AnchorPane, TakeOffer
     }
 
     private void addFundingGroup() {
-        // don't increase gridRow as we removed button when this gets visible
+
+        // no funding required title
+        noFundingRequiredTitledGroupBg = addTitledGroupBg(gridPane, gridRow, 3,
+                Res.get("takeOffer.fundsBox.noFundingRequiredTitle"), Layout.COMPACT_GROUP_DISTANCE);
+        noFundingRequiredTitledGroupBg.getStyleClass().add("last");
+        GridPane.setColumnSpan(noFundingRequiredTitledGroupBg, 2);
+        noFundingRequiredTitledGroupBg.setVisible(false);
+
+        // no funding required description
+        noFundingRequiredLabel = new AutoTooltipLabel(Res.get("takeOffer.fundsBox.noFundingRequiredDescription"));
+        noFundingRequiredLabel.setVisible(false);
+        //GridPane.setRowSpan(noFundingRequiredLabel, 1);
+        GridPane.setRowIndex(noFundingRequiredLabel, gridRow);
+        noFundingRequiredLabel.setPadding(new Insets(Layout.COMPACT_FIRST_ROW_AND_GROUP_DISTANCE, 0, 0, 0));
+        GridPane.setHalignment(noFundingRequiredLabel, HPos.LEFT);
+        gridPane.getChildren().add(noFundingRequiredLabel);
+
+        // funding title
         payFundsTitledGroupBg = addTitledGroupBg(gridPane, gridRow, 3,
                 Res.get("takeOffer.fundsBox.title"), Layout.COMPACT_GROUP_DISTANCE);
         payFundsTitledGroupBg.getStyleClass().add("last");
@@ -937,7 +961,7 @@ public class TakeOfferView extends ActivatableViewAndModel<AnchorPane, TakeOffer
 
         cancelButton2.setOnAction(e -> {
             String key = "CreateOfferCancelAndFunded";
-            if (model.dataModel.getIsXmrWalletFunded().get() &&
+            if (model.dataModel.getIsXmrWalletFunded().get() && model.dataModel.hasTotalToPay() && 
                     model.dataModel.preferences.showAgain(key)) {
                 new Popup().backgroundInfo(Res.get("takeOffer.alreadyFunded.askCancel"))
                         .closeButtonText(Res.get("shared.no"))

desktop/src/main/java/haveno/desktop/main/overlays/editor/PasswordPopup.java

@@ -0,0 +1,245 @@
+/*
+ * This file is part of Haveno.
+ *
+ * Haveno is free software: you can redistribute it and/or modify it
+ * under the terms of the GNU Affero General Public License as published by
+ * the Free Software Foundation, either version 3 of the License, or (at
+ * your option) any later version.
+ *
+ * Haveno is distributed in the hope that it will be useful, but WITHOUT
+ * ANY WARRANTY; without even the implied warranty of MERCHANTABILITY or
+ * FITNESS FOR A PARTICULAR PURPOSE. See the GNU Affero General Public
+ * License for more details.
+ *
+ * You should have received a copy of the GNU Affero General Public License
+ * along with Haveno. If not, see <http://www.gnu.org/licenses/>.
+ */
+
+package haveno.desktop.main.overlays.editor;
+
+import haveno.common.util.Utilities;
+import haveno.core.locale.GlobalSettings;
+import haveno.desktop.components.InputTextField;
+import haveno.desktop.main.overlays.Overlay;
+import haveno.desktop.util.FormBuilder;
+import javafx.animation.Interpolator;
+import javafx.animation.KeyFrame;
+import javafx.animation.KeyValue;
+import javafx.animation.Timeline;
+import javafx.beans.value.ChangeListener;
+import javafx.collections.ObservableList;
+import javafx.event.EventHandler;
+import javafx.geometry.HPos;
+import javafx.geometry.Insets;
+import javafx.scene.Camera;
+import javafx.scene.PerspectiveCamera;
+import javafx.scene.Scene;
+import javafx.scene.input.KeyCode;
+import javafx.scene.input.KeyEvent;
+import javafx.scene.layout.GridPane;
+import javafx.scene.transform.Rotate;
+import javafx.stage.Modality;
+import javafx.util.Duration;
+import lombok.extern.slf4j.Slf4j;
+
+import java.util.function.Consumer;
+
+import de.jensd.fx.fontawesome.AwesomeIcon;
+
+import static haveno.desktop.util.FormBuilder.addInputTextField;
+
+@Slf4j
+public class PasswordPopup extends Overlay<PasswordPopup> {
+    private InputTextField inputTextField;
+    private static PasswordPopup INSTANCE;
+    private Consumer<String> actionHandler;
+    private ChangeListener<Boolean> focusListener;
+    private EventHandler<KeyEvent> keyEventEventHandler;
+
+    public PasswordPopup() {
+        width = 600;
+        type = Type.Confirmation;
+        if (INSTANCE != null)
+            INSTANCE.hide();
+        INSTANCE = this;
+    }
+
+    public PasswordPopup onAction(Consumer<String> confirmHandler) {
+        this.actionHandler = confirmHandler;
+        return this;
+    }
+
+    @Override
+    public void show() {
+        actionButtonText("CONFIRM");
+        createGridPane();
+        addHeadLine();
+        addContent();
+        addButtons();
+        applyStyles();
+        onShow();
+    }
+
+    @Override
+    protected void onShow() {
+        super.display();
+
+        if (stage != null) {
+            focusListener = (observable, oldValue, newValue) -> {
+                if (!newValue)
+                    hide();
+            };
+            stage.focusedProperty().addListener(focusListener);
+
+            Scene scene = stage.getScene();
+            if (scene != null)
+                scene.addEventHandler(KeyEvent.KEY_RELEASED, keyEventEventHandler);
+        }
+    }
+
+    @Override
+    public void hide() {
+        animateHide();
+    }
+
+    @Override
+    protected void onHidden() {
+        INSTANCE = null;
+
+        if (stage != null) {
+            if (focusListener != null)
+                stage.focusedProperty().removeListener(focusListener);
+
+            Scene scene = stage.getScene();
+            if (scene != null)
+                scene.removeEventHandler(KeyEvent.KEY_RELEASED, keyEventEventHandler);
+        }
+    }
+
+    private void addContent() {
+        gridPane.setPadding(new Insets(64));
+
+        inputTextField = addInputTextField(gridPane, ++rowIndex, null, -10d);
+        GridPane.setColumnSpan(inputTextField, 2);
+        inputTextField.requestFocus();
+
+        keyEventEventHandler = event -> {
+            if (Utilities.isAltOrCtrlPressed(KeyCode.R, event)) {
+                doClose();
+            }
+        };
+    }
+
+    @Override
+    protected void addHeadLine() {
+        super.addHeadLine();
+        GridPane.setHalignment(headLineLabel, HPos.CENTER);
+    }
+
+    protected void setupKeyHandler(Scene scene) {
+        scene.setOnKeyPressed(e -> {
+            if (e.getCode() == KeyCode.ESCAPE) {
+                e.consume();
+                doClose();
+            }
+            if (e.getCode() == KeyCode.ENTER) {
+                e.consume();
+                apply();
+            }
+        });
+    }
+
+    @Override
+    protected void animateHide(Runnable onFinishedHandler) {
+        if (GlobalSettings.getUseAnimations()) {
+            double duration = getDuration(300);
+            Interpolator interpolator = Interpolator.SPLINE(0.25, 0.1, 0.25, 1);
+
+            gridPane.setRotationAxis(Rotate.X_AXIS);
+            Camera camera = gridPane.getScene().getCamera();
+            gridPane.getScene().setCamera(new PerspectiveCamera());
+
+            Timeline timeline = new Timeline();
+            ObservableList<KeyFrame> keyFrames = timeline.getKeyFrames();
+            keyFrames.add(new KeyFrame(Duration.millis(0),
+                    new KeyValue(gridPane.rotateProperty(), 0, interpolator),
+                    new KeyValue(gridPane.opacityProperty(), 1, interpolator)
+            ));
+            keyFrames.add(new KeyFrame(Duration.millis(duration),
+                    new KeyValue(gridPane.rotateProperty(), -90, interpolator),
+                    new KeyValue(gridPane.opacityProperty(), 0, interpolator)
+            ));
+            timeline.setOnFinished(event -> {
+                gridPane.setRotate(0);
+                gridPane.setRotationAxis(Rotate.Z_AXIS);
+                gridPane.getScene().setCamera(camera);
+                onFinishedHandler.run();
+            });
+            timeline.play();
+        } else {
+            onFinishedHandler.run();
+        }
+    }
+
+    @Override
+    protected void animateDisplay() {
+        if (GlobalSettings.getUseAnimations()) {
+            double startY = -160;
+            double duration = getDuration(400);
+            Interpolator interpolator = Interpolator.SPLINE(0.25, 0.1, 0.25, 1);
+            Timeline timeline = new Timeline();
+            ObservableList<KeyFrame> keyFrames = timeline.getKeyFrames();
+            keyFrames.add(new KeyFrame(Duration.millis(0),
+                    new KeyValue(gridPane.opacityProperty(), 0, interpolator),
+                    new KeyValue(gridPane.translateYProperty(), startY, interpolator)
+            ));
+
+            keyFrames.add(new KeyFrame(Duration.millis(duration),
+                    new KeyValue(gridPane.opacityProperty(), 1, interpolator),
+                    new KeyValue(gridPane.translateYProperty(), 0, interpolator)
+            ));
+
+            timeline.play();
+        }
+    }
+
+    @Override
+    protected void createGridPane() {
+        super.createGridPane();
+        gridPane.setPadding(new Insets(15, 15, 30, 30));
+    }
+
+    @Override
+    protected void addButtons() {
+        buttonDistance = 10;
+        super.addButtons();
+
+        actionButton.setOnAction(event -> apply());
+    }
+
+    private void apply() {
+        hide();
+        if (actionHandler != null && inputTextField != null)
+            actionHandler.accept(inputTextField.getText());
+    }
+
+    @Override
+    protected void applyStyles() {
+        super.applyStyles();
+        FormBuilder.getIconForLabel(AwesomeIcon.LOCK, headlineIcon, "1.5em");
+    }
+
+    @Override
+    protected void setModality() {
+        stage.initOwner(owner.getScene().getWindow());
+        stage.initModality(Modality.NONE);
+    }
+
+    @Override
+    protected void addEffectToBackground() {
+    }
+
+    @Override
+    protected void removeEffectFromBackground() {
+    }
+}

desktop/src/main/java/haveno/desktop/main/overlays/windows/ContractWindow.java

@@ -141,7 +141,7 @@ public class ContractWindow extends Overlay<ContractWindow> {
                 DisplayUtils.formatDateTime(offer.getDate()) + " / " + DisplayUtils.formatDateTime(dispute.getTradeDate()));
         String currencyCode = offer.getCurrencyCode();
         addConfirmationLabelTextField(gridPane, ++rowIndex, Res.get("shared.offerType"),
-                DisplayUtils.getDirectionBothSides(offer.getDirection()));
+                DisplayUtils.getDirectionBothSides(offer.getDirection(), offer.isPrivateOffer()));
         addConfirmationLabelTextField(gridPane, ++rowIndex, Res.get("shared.tradePrice"),
                 FormattingUtils.formatPrice(contract.getPrice()));
         addConfirmationLabelTextField(gridPane, ++rowIndex, Res.get("shared.tradeAmount"),

desktop/src/main/java/haveno/desktop/main/overlays/windows/DisputeSummaryWindow.java

@@ -99,6 +99,7 @@ public class DisputeSummaryWindow extends Overlay<DisputeSummaryWindow> {
             reasonWasOtherRadioButton, reasonWasBankRadioButton, reasonWasOptionTradeRadioButton,
             reasonWasSellerNotRespondingRadioButton, reasonWasWrongSenderAccountRadioButton,
             reasonWasPeerWasLateRadioButton, reasonWasTradeAlreadySettledRadioButton;
+    private CoreDisputesService.PayoutSuggestion payoutSuggestion;
 
     // Dispute object of other trade peer. The dispute field is the one from which we opened the close dispute window.
     private Optional<Dispute> peersDisputeOptional;
@@ -700,33 +701,28 @@ public class DisputeSummaryWindow extends Overlay<DisputeSummaryWindow> {
     }
 
     private void applyPayoutAmountsToDisputeResult(Toggle selectedTradeAmountToggle) {
-        CoreDisputesService.DisputePayout payout;
         if (selectedTradeAmountToggle == buyerGetsTradeAmountRadioButton) {
-            payout = CoreDisputesService.DisputePayout.BUYER_GETS_TRADE_AMOUNT;
+            payoutSuggestion = CoreDisputesService.PayoutSuggestion.BUYER_GETS_TRADE_AMOUNT;
             disputeResult.setWinner(DisputeResult.Winner.BUYER);
         } else if (selectedTradeAmountToggle == buyerGetsAllRadioButton) {
-            payout = CoreDisputesService.DisputePayout.BUYER_GETS_ALL;
+            payoutSuggestion = CoreDisputesService.PayoutSuggestion.BUYER_GETS_ALL;
             disputeResult.setWinner(DisputeResult.Winner.BUYER);
         } else if (selectedTradeAmountToggle == sellerGetsTradeAmountRadioButton) {
-            payout = CoreDisputesService.DisputePayout.SELLER_GETS_TRADE_AMOUNT;
+            payoutSuggestion = CoreDisputesService.PayoutSuggestion.SELLER_GETS_TRADE_AMOUNT;
             disputeResult.setWinner(DisputeResult.Winner.SELLER);
         } else if (selectedTradeAmountToggle == sellerGetsAllRadioButton) {
-            payout = CoreDisputesService.DisputePayout.SELLER_GETS_ALL;
+            payoutSuggestion = CoreDisputesService.PayoutSuggestion.SELLER_GETS_ALL;
             disputeResult.setWinner(DisputeResult.Winner.SELLER);
         } else {
             // should not happen
             throw new IllegalStateException("Unknown radio button");
         }
-        disputesService.applyPayoutAmountsToDisputeResult(payout, dispute, disputeResult, -1);
+        disputesService.applyPayoutAmountsToDisputeResult(payoutSuggestion, dispute, disputeResult, -1);
         buyerPayoutAmountInputTextField.setText(HavenoUtils.formatXmr(disputeResult.getBuyerPayoutAmountBeforeCost()));
         sellerPayoutAmountInputTextField.setText(HavenoUtils.formatXmr(disputeResult.getSellerPayoutAmountBeforeCost()));
     }
 
     private void applyTradeAmountRadioButtonStates() {
-        Contract contract = dispute.getContract();
-        BigInteger buyerSecurityDeposit = trade.getBuyer().getSecurityDeposit();
-        BigInteger sellerSecurityDeposit = trade.getSeller().getSecurityDeposit();
-        BigInteger tradeAmount = contract.getTradeAmount();
 
         BigInteger buyerPayoutAmount = disputeResult.getBuyerPayoutAmountBeforeCost();
         BigInteger sellerPayoutAmount = disputeResult.getSellerPayoutAmountBeforeCost();
@@ -734,20 +730,22 @@ public class DisputeSummaryWindow extends Overlay<DisputeSummaryWindow> {
         buyerPayoutAmountInputTextField.setText(HavenoUtils.formatXmr(buyerPayoutAmount));
         sellerPayoutAmountInputTextField.setText(HavenoUtils.formatXmr(sellerPayoutAmount));
 
-        if (buyerPayoutAmount.equals(tradeAmount.add(buyerSecurityDeposit)) &&
-                sellerPayoutAmount.equals(sellerSecurityDeposit)) {
-            buyerGetsTradeAmountRadioButton.setSelected(true);
-        } else if (buyerPayoutAmount.equals(tradeAmount.add(buyerSecurityDeposit).add(sellerSecurityDeposit)) &&
-                sellerPayoutAmount.equals(BigInteger.ZERO)) {
-            buyerGetsAllRadioButton.setSelected(true);
-        } else if (sellerPayoutAmount.equals(tradeAmount.add(sellerSecurityDeposit))
-                && buyerPayoutAmount.equals(buyerSecurityDeposit)) {
-            sellerGetsTradeAmountRadioButton.setSelected(true);
-        } else if (sellerPayoutAmount.equals(tradeAmount.add(buyerSecurityDeposit).add(sellerSecurityDeposit))
-                && buyerPayoutAmount.equals(BigInteger.ZERO)) {
-            sellerGetsAllRadioButton.setSelected(true);
-        } else {
-            customRadioButton.setSelected(true);
+        switch (payoutSuggestion) {
+            case BUYER_GETS_TRADE_AMOUNT:
+                buyerGetsTradeAmountRadioButton.setSelected(true);
+                break;
+            case BUYER_GETS_ALL:
+                buyerGetsAllRadioButton.setSelected(true);
+                break;
+            case SELLER_GETS_TRADE_AMOUNT:
+                sellerGetsTradeAmountRadioButton.setSelected(true);
+                break;
+            case SELLER_GETS_ALL:
+                sellerGetsAllRadioButton.setSelected(true);
+                break;
+            case CUSTOM:
+                customRadioButton.setSelected(true);
+                break;
         }
     }
 }

desktop/src/main/java/haveno/desktop/main/overlays/windows/OfferDetailsWindow.java

@@ -29,6 +29,7 @@ import haveno.core.locale.Res;
 import haveno.core.monetary.Price;
 import haveno.core.offer.Offer;
 import haveno.core.offer.OfferDirection;
+import haveno.core.offer.OpenOffer;
 import haveno.core.payment.PaymentAccount;
 import haveno.core.payment.payload.PaymentMethod;
 import haveno.core.trade.HavenoUtils;
@@ -42,6 +43,8 @@ import haveno.desktop.Navigation;
 import haveno.desktop.components.AutoTooltipButton;
 import haveno.desktop.components.BusyAnimation;
 import haveno.desktop.main.overlays.Overlay;
+import haveno.desktop.main.overlays.editor.PasswordPopup;
+import haveno.desktop.main.overlays.popups.Popup;
 import haveno.desktop.util.CssTheme;
 import haveno.desktop.util.DisplayUtils;
 import static haveno.desktop.util.FormBuilder.addButtonAfterGroup;
@@ -195,7 +198,7 @@ public class OfferDetailsWindow extends Overlay<OfferDetailsWindow> {
             rows++;
         }
 
-        addTitledGroupBg(gridPane, ++rowIndex, rows, Res.get("shared.Offer"));
+        addTitledGroupBg(gridPane, ++rowIndex, rows, Res.get(offer.isPrivateOffer() ? "shared.Offer" : "shared.Offer"));
 
         String counterCurrencyDirectionInfo = "";
         String xmrDirectionInfo = "";
@@ -217,7 +220,7 @@ public class OfferDetailsWindow extends Overlay<OfferDetailsWindow> {
             xmrDirectionInfo = direction == OfferDirection.BUY ? toReceive : toSpend;
         } else {
             addConfirmationLabelLabel(gridPane, rowIndex, offerTypeLabel,
-                    DisplayUtils.getDirectionBothSides(direction), firstRowDistance);
+                    DisplayUtils.getDirectionBothSides(direction, offer.isPrivateOffer()), firstRowDistance);
         }
         String amount = Res.get("shared.xmrAmount");
         if (takeOfferHandlerOptional.isPresent()) {
@@ -342,6 +345,10 @@ public class OfferDetailsWindow extends Overlay<OfferDetailsWindow> {
         // get amount reserved for the offer
         BigInteger reservedAmount = isMyOffer ? offer.getReservedAmount() : null;
 
+        // get offer challenge
+        OpenOffer myOpenOffer = HavenoUtils.openOfferManager.getOpenOfferById(offer.getId()).orElse(null);
+        String offerChallenge = myOpenOffer == null ? null : myOpenOffer.getChallenge();
+
         rows = 3;
         if (countryCode != null)
             rows++;
@@ -349,6 +356,8 @@ public class OfferDetailsWindow extends Overlay<OfferDetailsWindow> {
             rows++;
         if (reservedAmount != null)
             rows++;
+        if (offerChallenge != null)
+            rows++;
 
         addTitledGroupBg(gridPane, ++rowIndex, rows, Res.get("shared.details"), Layout.GROUP_DISTANCE);
         addConfirmationLabelTextFieldWithCopyIcon(gridPane, rowIndex, Res.get("shared.offerId"), offer.getId(),
@@ -365,6 +374,7 @@ public class OfferDetailsWindow extends Overlay<OfferDetailsWindow> {
                 " " +
                 HavenoUtils.formatXmr(offer.getOfferPayload().getMaxSellerSecurityDeposit(), true);
         addConfirmationLabelLabel(gridPane, ++rowIndex, Res.get("shared.securityDeposit"), value);
+
         if (reservedAmount != null) {
             addConfirmationLabelLabel(gridPane, ++rowIndex, Res.get("shared.reservedAmount"),  HavenoUtils.formatXmr(reservedAmount, true));
         }
@@ -373,6 +383,9 @@ public class OfferDetailsWindow extends Overlay<OfferDetailsWindow> {
             addConfirmationLabelLabel(gridPane, ++rowIndex, Res.get("offerDetailsWindow.countryBank"),
                     CountryUtil.getNameAndCode(countryCode));
 
+        if (offerChallenge != null)
+            addConfirmationLabelTextFieldWithCopyIcon(gridPane, ++rowIndex, Res.get("offerDetailsWindow.challenge"), offerChallenge);
+
         if (placeOfferHandlerOptional.isPresent()) {
             addTitledGroupBg(gridPane, ++rowIndex, 1, Res.get("offerDetailsWindow.commitment"), Layout.GROUP_DISTANCE);
             final Tuple2<Label, Label> labelLabelTuple2 = addConfirmationLabelLabel(gridPane, rowIndex, Res.get("offerDetailsWindow.agree"), Res.get("createOffer.tac"),
@@ -416,13 +429,13 @@ public class OfferDetailsWindow extends Overlay<OfferDetailsWindow> {
                 ++rowIndex, 1,
                 isPlaceOffer ? placeOfferButtonText : takeOfferButtonText);
 
-        AutoTooltipButton button = (AutoTooltipButton) placeOfferTuple.first;
-        button.setMinHeight(40);
-        button.setPadding(new Insets(0, 20, 0, 20));
-        button.setGraphic(iconView);
-        button.setGraphicTextGap(10);
-        button.setId(isBuyerRole ? "buy-button-big" : "sell-button-big");
-        button.updateText(isPlaceOffer ? placeOfferButtonText : takeOfferButtonText);
+        AutoTooltipButton confirmButton = (AutoTooltipButton) placeOfferTuple.first;
+        confirmButton.setMinHeight(40);
+        confirmButton.setPadding(new Insets(0, 20, 0, 20));
+        confirmButton.setGraphic(iconView);
+        confirmButton.setGraphicTextGap(10);
+        confirmButton.setId(isBuyerRole ? "buy-button-big" : "sell-button-big");
+        confirmButton.updateText(isPlaceOffer ? placeOfferButtonText : takeOfferButtonText);
 
         busyAnimation = placeOfferTuple.second;
         Label spinnerInfoLabel = placeOfferTuple.third;
@@ -436,29 +449,48 @@ public class OfferDetailsWindow extends Overlay<OfferDetailsWindow> {
 
         placeOfferTuple.fourth.getChildren().add(cancelButton);
 
-        button.setOnAction(e -> {
+        confirmButton.setOnAction(e -> {
             if (GUIUtil.canCreateOrTakeOfferOrShowPopup(user, navigation)) {
-                button.setDisable(true);
-                cancelButton.setDisable(isPlaceOffer ? false : true); // TODO: enable cancel button for taking an offer until messages sent
-                // temporarily disabled due to high CPU usage (per issue #4649)
-                // busyAnimation.play();
-                if (isPlaceOffer) {
-                    spinnerInfoLabel.setText(Res.get("createOffer.fundsBox.placeOfferSpinnerInfo"));
-                    placeOfferHandlerOptional.ifPresent(Runnable::run);
+                if (!isPlaceOffer && offer.isPrivateOffer()) {
+                    new PasswordPopup()
+                            .headLine(Res.get("offerbook.takeOffer.enterChallenge"))
+                            .onAction(password -> {
+                                if (offer.getChallengeHash().equals(HavenoUtils.getChallengeHash(password))) {
+                                    offer.setChallenge(password);
+                                    confirmTakeOfferAux(confirmButton, cancelButton, spinnerInfoLabel, isPlaceOffer);
+                                } else {
+                                    new Popup().warning(Res.get("password.wrongPw")).show();
+                                }
+                            })
+                            .closeButtonText(Res.get("shared.cancel"))
+                            .show();
                 } else {
-
-                    // subscribe to trade progress
-                    spinnerInfoLabel.setText(Res.get("takeOffer.fundsBox.takeOfferSpinnerInfo", "0%"));
-                    numTradesSubscription = EasyBind.subscribe(tradeManager.getNumPendingTrades(), newNum -> {
-                        subscribeToProgress(spinnerInfoLabel);
-                    });
-
-                    takeOfferHandlerOptional.ifPresent(Runnable::run);
+                    confirmTakeOfferAux(confirmButton, cancelButton, spinnerInfoLabel, isPlaceOffer);
                 }
             }
         });
     }
 
+    private void confirmTakeOfferAux(Button button, Button cancelButton, Label spinnerInfoLabel, boolean isPlaceOffer) {
+        button.setDisable(true);
+        cancelButton.setDisable(isPlaceOffer ? false : true); // TODO: enable cancel button for taking an offer until messages sent
+        // temporarily disabled due to high CPU usage (per issue #4649)
+        // busyAnimation.play();
+        if (isPlaceOffer) {
+            spinnerInfoLabel.setText(Res.get("createOffer.fundsBox.placeOfferSpinnerInfo"));
+            placeOfferHandlerOptional.ifPresent(Runnable::run);
+        } else {
+
+            // subscribe to trade progress
+            spinnerInfoLabel.setText(Res.get("takeOffer.fundsBox.takeOfferSpinnerInfo", "0%"));
+            numTradesSubscription = EasyBind.subscribe(tradeManager.getNumPendingTrades(), newNum -> {
+                subscribeToProgress(spinnerInfoLabel);
+            });
+
+            takeOfferHandlerOptional.ifPresent(Runnable::run);
+        }
+    }
+
     private void subscribeToProgress(Label spinnerInfoLabel) {
         Trade trade = tradeManager.getTrade(offer.getId());
         if (trade == null || initProgressSubscription != null) return;