If there was a merchant account it would be identified by the relative number of times it received funds compared to sending funds. It would be trivial to work around by creating new accounts frequently.
That is the problem with decentralized solutions, it becomes very hard to discriminate.
What about driving merchant to create and use merchant's accout type instead of normal one?
For "driving" I mean make the merchant account better than the normal one (from a merchant point of view ofc)
We should try to think and identify some particular features that almost all merchant would like to have, something that they need or that can be profitable for them also, and attach these features to the merchant account type.
I am sure we could find something like that...
As you already said, we could discriminate the new account type by
1. the number of allowed received transaction per hours/days or what fit best
or 2. relative number of received compared to sent
Edit: making a cap limit to the normal account, and unlimited to merchant
How prevent the problem of merchant using several normal account instead?
-thanks to the pros features they would get with the merchant type of account
For example the "high fee" for "user to merchant" transactions could be divided into 20%network - 60% referrer - 20% merchant (values only for example, idk what could be the best division)
The point is to redirect a small part of that fee to the merchant itself, making the merchant account type profitable.
The merchant at this point could even use that little earn to bring new costumers to him.
-He could deduct that fee from the price of the product he's selling
-or even collect the fees's monthly income to give huge discount on some products and attract new costumers
This could be a feature that merchant could be willing to have/use...we just need some others like this that make the merchant account very attractive for merchant!
Would love some thinking and discussion about all of this