What's that? You have a taker in seconds but he then spends minutes to execute? That needs automation. Fiat payers should have median time to execute measured so bitcoiners can filter slow agents.

As a taker I receive a notification almost instantly, when the order is created. From the moment I take the order, I have 45 s to provide the code. This is just enough time to get the code from the bank app and paste it to the offer, while switching between the apps. The maker receives the code and provides it to the merchant – verbally or by entering it to the POS device. This works basically everywhere now, also online, also in ATMs. Many brick and mortar shops have self-service checkouts. At what point could it be improved, in your opinion?

I am realizing that a taker/scammer could take an order and use the code to withdraw the money from an ATM right before providing the code to the maker. It would be difficult to prove the scam because the taker could show proof from his bank that the money was withdrawn. It seems especially risky with orders of round figures in PLN that can be withdrawn at the ATM. @BitBlik Is there any way to prevent this kind of scam?

This could be discouraged with reputation mechanism but it seems that the app encourages creating a new identity for every order, which impedes establishing reputation.

Yes. The maker will receive a receipt from the ATM showing that the BLIK code is invalid (if the taker/scammer did use it already).

We will have reputation mode also in the future, when we fully implement @npub1m0st...40un protocol, so user will be able to choose. Also planned is choice of offer type: physical store/ ATM / ecommerce good / online bill payments.