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<li><a href="/about.html">About</a></li>
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<a href="../anon.html">Previous Page</a></br></br><p><img src="../../assets/img/user.png" width="50px" height="50px"> <ba>nihilist@mainpc - 2024-05-20</ba></p>
<h1>Haveno DEX Bank Transfer (ex: SEPA) -> XMR transaction </h1>
<img src="0.png" style="width:250px">
<p>In this tutorial we're going to cover an instant SEPA transfer (which is a bank transfer) transaction for monero, this is one of the most popular payment options in the EU region. (for more details on how SEPA works, check out this, <a href="https://iv.datura.network/watch?v=hsb0GOgIfds">video</a>). Instant SEPA was a personal favorite of mine back on the now defunct Localmonero, <b>due to the speed of the transanction</b>, the only requirement being that the other peer has a bank account that supports instant SEPA transfers. </p>
<p>In this tutorial we're going to cover an instant SEPA transfer (which is a bank transfer) transaction for monero, this is one of the most popular payment options in the EU region. (for more details on how SEPA works, check out this, <a href="https://iv.nowhere.moe/watch?v=hsb0GOgIfds">video</a>). Instant SEPA was a personal favorite of mine back on the now defunct Localmonero, <b>due to the speed of the transanction</b>, the only requirement being that the other peer has a bank account that supports instant SEPA transfers. </p>
<img src="0.1.png" class="imgRz">
<p>If you want to install Haveno DEX (on the Haveno Reto network) check out <a href="../haveno-client-f2f/index.html">this tutorial</a> i previously made.</p>
<p><b>WARNING: SEPA transactions become risky when it starts to become large transactions and volumes over time:</b> </p>
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<p>Next, Bob has to pay 13 Euros to the Alice, via a bank transfer (SEPA instant) as he can now see her bank information:</p>
<img src="12.png" class="imgRz">
<p><u>Sidenote:</u> Tying back to my <a href="../finances/index.html">explanation</a> on why Decentralised exchanges are going to be very costly to an adversary that wants to deanonymize users, <b>the adversary would have to massively fund offers in monero, and loose their side of the security deposit each time, in an attempt to try and regulate the end user directly</b>, that's way harder than just knocking on a centralised exchange owner's door to ask him to / force him to deanonymize his entire userbase for the adversary. This is where the Haveno DEX multiplies potential adversaries' efforts manyfold compared to centralised exchanges.</p>
<p>So here Bob can follow <a href="https://iv.datura.network/watch?v=77uw4rkcRsY">this procedure to do the sepa instant transfer</a>; he goes on his banking application to add Alice Liddell as a third-party account using <b>her IBAN</b> (see example IBANs per country in the EU <a href="https://developer.readyremit.com/docs/ibans">here</a>), and then he sends her the 13 euros as a transaction between private individuals, using the instant transaction feature provided by his Bank.</p>
<p>So here Bob can follow <a href="https://iv.nowhere.moe/watch?v=77uw4rkcRsY">this procedure to do the sepa instant transfer</a>; he goes on his banking application to add Alice Liddell as a third-party account using <b>her IBAN</b> (see example IBANs per country in the EU <a href="https://developer.readyremit.com/docs/ibans">here</a>), and then he sends her the 13 euros as a transaction between private individuals, using the instant transaction feature provided by his Bank.</p>
<img src="13.png" class="imgRz">
<p>Once completed, Bob declares that he has sent payment. and in case if Alice tries to deny that she recieved payment, Bob can take a screenshot to prove that he has sent the payment, from his bank account by clicking on viewing more details on his transaction (checking the receipt). That way, in case if there is a <a href="../haveno-arbitrator/index.html">dispute</a>, (meaning if Alice tries to scam Bob), he will be on the right side of arbitration, and the Arbitrator will favor him.</p>
<img src="alice.png">
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<h4>My Links</h4>
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<h4>About nihilist</h4>
<p style="word-wrap: break-word;"><u>Donate XMR:</u> 8AUYjhQeG3D5aodJDtqG499N5jXXM71gYKD8LgSsFB9BUV1o7muLv3DXHoydRTK4SZaaUBq4EAUqpZHLrX2VZLH71Jrd9k8</p></br><p><u>Contact:</u> nihilist@nihilism.network (<a href="https://nihilism.network/nihilist.pubkey">PGP</a>)</p>
<p style="word-wrap: break-word;"><u>Donate XMR:</u> 8AUYjhQeG3D5aodJDtqG499N5jXXM71gYKD8LgSsFB9BUV1o7muLv3DXHoydRTK4SZaaUBq4EAUqpZHLrX2VZLH71Jrd9k8</p></br><p><u>Contact:</u> nihilist@nowhere.moe (<a href="https://nowhere.moe/nihilist.pubkey">PGP</a>)</p>
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