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@ c9badfea:610f861a
2025-06-04 03:19:18Monospace
𝙰𝙱𝙲𝙳𝙴𝙵𝙶𝙷𝙸𝙹𝙺𝙻𝙼𝙽𝙾𝙿𝚀𝚁𝚂𝚃𝚄𝚅𝚆𝚇𝚈𝚉 𝚊𝚋𝚌𝚍𝚎𝚏𝚐𝚑𝚒𝚓𝚔𝚕𝚖𝚗𝚘𝚙𝚚𝚛𝚜𝚝𝚞𝚟𝚠𝚡𝚢𝚣
Script
𝓐𝓑𝓒𝓓𝓔𝓕𝓖𝓗𝓘𝓙𝓚𝓛𝓜𝓝𝓞𝓟𝓠𝓡𝓢𝓣𝓤𝓥𝓦𝓧𝓨𝓩 𝓪𝓫𝓬𝓭𝓮𝓯𝓰𝓱𝓲𝓳𝓴𝓵𝓶𝓷𝓸𝓹𝓺𝓻𝓼𝓽𝓾𝓿𝔀𝔁𝔂𝔃
Fraktur
𝔄𝔅ℭ𝔇𝔈𝔉𝔊ℌℑ𝔍𝔎𝔏𝔐𝔑𝔒𝔓𝔔ℜ𝔖𝔗𝔘𝔙𝔚𝔛𝔜ℨ 𝔞𝔟𝔠𝔡𝔢𝔣𝔤𝔥𝔦𝔧𝔨𝔩𝔪𝔫𝔬𝔭𝔮𝔯𝔰𝔱𝔲𝔳𝔴𝔵𝔶𝔷
Fraktur - Bold
𝕬𝕭𝕮𝕯𝕰𝕱𝕲𝕳𝕴𝕵𝕶𝕷𝕸𝕹𝕺𝕻𝕼𝕽𝕾𝕿𝖀𝖁𝖂𝖃𝖄𝖅 𝖆𝖇𝖈𝖉𝖊𝖋𝖌𝖍𝖎𝖏𝖐𝖑𝖒𝖓𝖔𝖕𝖖𝖗𝖘𝖙𝖚𝖛𝖜𝖝𝖞𝖟
Sans Serif - Italic
𝘈𝘉𝘊𝘋𝘌𝘍𝘎𝘏𝘐𝘑𝘒𝘓𝘔𝘕𝘖𝘗𝘘𝘙𝘚𝘛𝘜𝘝𝘞𝘟𝘠𝘡 𝘢𝘣𝘤𝘥𝘦𝘧𝘨𝘩𝘪𝘫𝘬𝘭𝘮𝘯𝘰𝘱𝘲𝘳𝘴𝘵𝘶𝘷𝘸𝘹𝘺𝘻
Sans Serif - Bold
𝗔𝗕𝗖𝗗𝗘𝗙𝗚𝗛𝗜𝗝𝗞𝗟𝗠𝗡𝗢𝗣𝗤𝗥𝗦𝗧𝗨𝗩𝗪𝗫𝗬𝗭 𝗮𝗯𝗰𝗱𝗲𝗳𝗴𝗵𝗶𝗷𝗸𝗹𝗺𝗻𝗼𝗽𝗾𝗿𝘀𝘁𝘂𝘃𝘄𝘅𝘆𝘇
Sans Serif - Bold Italic
𝘼𝘽𝘾𝘿𝙀𝙁𝙂𝙃𝙄𝙅𝙆𝙇𝙈𝙉𝙊𝙋𝙌𝙍𝙎𝙏𝙐𝙑𝙒𝙓𝙔𝙕 𝙖𝙗𝙘𝙙𝙚𝙛𝙜𝙝𝙞𝙟𝙠𝙡𝙢𝙣𝙤𝙥𝙦𝙧𝙨𝙩𝙪𝙫𝙬𝙭𝙮𝙯
Sans Serif - Double-Struck
𝖠𝖡𝖢𝖣𝖤𝖥𝖦𝖧𝖨𝖩𝖪𝖫𝖬𝖭𝖮𝖯𝖰𝖱𝖲𝖳𝖴𝖵𝖶𝖷𝖸𝖹 𝖺𝖻𝖼𝖽𝖾𝖿𝗀𝗁𝗂𝗃𝗄𝗅𝗆𝗇𝗈𝗉𝗊𝗋𝗌𝗍𝗎𝗏𝗐𝗑𝗒𝗓
Serif - Italic
𝐴𝐵𝐶𝐷𝐸𝐹𝐺𝐻𝐼𝐽𝐾𝐿𝑀𝑁𝑂𝑃𝑄𝑅𝑆𝑇𝑈𝑉𝑊𝑋𝑌𝑍 𝑎𝑏𝑐𝑑𝑒𝑓𝑔ℎ𝑖𝑗𝑘𝑙𝑚𝑛𝑜𝑝𝑞𝑟𝑠𝑡𝑢𝑣𝑤𝑥𝑦𝑧
Serif - Bold
𝐀𝐁𝐂𝐃𝐄𝐅𝐆𝐇𝐈𝐉𝐊𝐋𝐌𝐍𝐎𝐏𝐐𝐑𝐒𝐓𝐔𝐕𝐖𝐗𝐘𝐙 𝐚𝐛𝐜𝐝𝐞𝐟𝐠𝐡𝐢𝐣𝐤𝐥𝐦𝐧𝐨𝐩𝐪𝐫𝐬𝐭𝐮𝐯𝐰𝐱𝐲𝐳
Serif - Bold Italic
𝑨𝑩𝑪𝑫𝑬𝑭𝑮𝑯𝑰𝑱𝑲𝑳𝑴𝑵𝑶𝑷𝑸𝑹𝑺𝑻𝑼𝑽𝑾𝑿𝒀𝒁 𝒂𝒃𝒄𝒅𝒆𝒇𝒈𝒉𝒊𝒋𝒌𝒍𝒎𝒏𝒐𝒑𝒒𝒓𝒔𝒕𝒖𝒗𝒘𝒙𝒚𝒛
Serif - Double-Struck
𝔸𝔹ℂ𝔻𝔼𝔽𝔾ℍ𝕀𝕁𝕂𝕃𝕄ℕ𝕆ℙℚℝ𝕊𝕋𝕌𝕍𝕎𝕏𝕐ℤ 𝕒𝕓𝕔𝕕𝕖𝕗𝕘𝕙𝕚𝕛𝕜𝕝𝕞𝕟𝕠𝕡𝕢𝕣𝕤𝕥𝕦𝕧𝕨
Regional Indicator Symbols
🇦 🇧 🇨 🇩 🇪 🇫 🇬 🇭 🇮 🇯 🇰 🇱 🇲 🇳 🇴 🇵 🇶 🇷 🇸 🇹 🇺 🇻 🇼 🇽 🇾 🇿
Pseudo-Asian
卂 乃 匚 ᗪ 乇 千 Ꮆ 卄 丨 フ Ҝ ㄥ 爪 几 ㄖ 卩 Ɋ 尺 丂 ㄒ ㄩ ᐯ 山 乂 ㄚ 乙
Circled
ⒶⒷⒸⒹⒺⒻⒼⒽⒾⒿⓀⓁⓂⓃⓄⓅⓆⓇⓈⓉⓊⓋⓌⓍⓎⓏ ⓐⓑⓒⓓⓔⓕⓖⓗⓘⓙⓚⓛⓜⓝⓞⓟⓠⓡⓢⓣⓤⓥⓦⓧⓨⓩ
Squared #1
🄰🅱🄲🅳🄴🅵🄶🅷🄸🅹🄺🅻🄼🅽🄾🅿🅀🆁🅂🆃🅄🆅🅆🆇🅈🆉 🅰🄱🅲🄳🅴🄵🅶🄷🅸🄹🅺🄻🅼🄽🅾🄿🆀🅁🆂🅃🆄🅅🆆🅇🆈🅉
Squared #2
🄰🄱🄲🄳🄴🄵🄶🄷🄸🄹🄺🄻🄼🄽🄾🄿🅀🅁🅂🅃🅄🅅🅆🅇🅈🅉
Squared #3
🅰🅱🅲🅳🅴🅵🅶🅷🅸🅹🅺🅻🅼🅽🅾🅿🆀🆁🆂🆃🆄🆅🆆🆇🆈🆉
Squared #4
🅐🅑🅒🅓🅔🅕🅖🅗🅘🅙🅚🅛🅜🅝🅞🅟🅠🅡🅢🅣🅤🅥🅦🅧🅨🅩
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@ 1ef61805:f18312cc
2025-06-04 01:56:42**Inside OpSec Academy’s One-on-One Approach to Digital Sovereignty ** As digital infrastructure becomes increasingly opaque and centralised, a growing number of individuals are seeking to understand—not just use—the tools that protect their privacy and autonomy online. While many solutions promise security at the click of a button, few teach the underlying principles or offer environments that prioritise verifiability and user control.
OpSec Academy’s new one-on-one training, "OpSec Intensive," takes a different approach. Delivered in person and fully offline, the full-day session provides practical, tool-based instruction inside a secure, USB-booted environment—designed from the ground up to leave no trace.
At the heart of the session is OpSecOS v1.2, a live operating system that routes all traffic through Tor, uses system non-persistence, and comes preconfigured with a suite of open-source tools for password management, communication, and private finance. The OS runs from a USB stick, allowing participants to explore and build their own private computing workflows without touching the host machine.
Learning in Context: Why One-on-One? While group training can provide a general introduction to privacy concepts, it often lacks depth and adaptability. OpSec Intensive is structured as a one-on-one session to allow real-time feedback, personal threat modeling, and tailored instruction based on the participant’s specific context and technical background.
This format also makes space for slow, deliberate learning—a rarity in cybersecurity training, where content is often condensed or overly abstract. In OpSec Intensive, participants move through each phase at their own pace, working directly with an experienced instructor to build confidence and competence.
Structure and Content of the Day The curriculum spans both foundational theory and hands-on practice, beginning with basic OpSec principles before moving into technical tool use.
Topics include: * Booting and verifying OpSecOS * Secure USB creation and system verification * Navigating a non-persistent, Tor-routed live environment * Password and credential management * Offline use of KeePassXC * Strategies for vault organisation and redundancy * Bitcoin wallet setup and recovery * Single-signature and multisignature wallet creation using Sparrow, Electrum, and Feather * Understanding xpubs, derivation paths, and recovery flow * Seed phrase security * Entropy generation and validation using offline tools like iancoleman.io * Best practices for cold storage and physical backups * Network privacy and decentralised communication * Using Mempool.space to visualise Bitcoin transaction data * Setting up Nostr clients (Snort, Iris) for decentralised messaging * Discussion of traffic fingerprinting and Tor considerations
A Shift Toward Practical Sovereignty The tools and workflows covered in OpSec Intensive are not theoretical. Participants leave the session with configured environments, tested backups, and an understanding of what each tool does—and what it doesn’t do.
This reflects a broader shift in how privacy-conscious individuals are approaching digital security. Rather than relying on packaged services or closed-source software, there’s growing interest in verifiable, modular tools that prioritise autonomy and resilience over ease-of-use.
In that context, OpSec Academy’s offering sits somewhere between a workshop and an apprenticeship: not a lecture, but a process of guided, hands-on learning designed for the long haul.
To learn more or enquire about availability, visit opsecacademy.org.
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@ b2b4f94a:df797d13
2025-06-04 01:44:39 -
@ 472f440f:5669301e
2025-06-04 01:37:37Marty's Bent
via nostr:nprofile1qyxhwumn8ghj7mn0wvhxcmmvqy0hwumn8ghj7mn0wd68yttjv4kxz7fwvf5hgcm0d9hzumnfde4xzqpq85h9z5yxn8uc7retm0n6gkm88358lejzparxms5kmy9epr236k2qtyz2zr
A lot of the focus over the last couple of months has been on the emergence of Strategy competitors in public markets looking to build sizable bitcoin treasuries and attract investors of all shapes and sizes to drive shareholder value. The other big topic in the bitcoin development world has been around OP_RETURN and the debate over whether or not the amount of data that can be shoved into a bitcoin transaction should be decided by the dominant implementation.
A topic that is just as, if not more, important that is not getting enough appreciation is the discussion around open source bitcoin developers and the lingering effects of the Biden administration's attack on Samourai Wallet and Tornado Cash. If you read our friend Matt Corallo's tweet above, you'll notice that the lingering effects are such that even though the Trump administration has made concerted efforts to reverse the effects of Operation Chokepoint 2.0 that were levied by the Biden administration, Elizabeth Warren, and her friends at the Treasury and SEC - it is imperative that we enshrine into law the rights of open source developers to build products and services that enable individuals to self-custody bitcoin and use it in a peer-to-peer fashion without the threat of getting thrown in jail cell.
As it stands today, the only assurances that we have are from an administration that is overtly in favor of the proliferation of bitcoin in the United States. There is nothing in place to stop the next administration or another down the line from reverting to Biden-era lawfare that puts thousands of bitcoin developers around the world at risk of being sent into a cage because the government doesn't like how some users leverage the code they write. To make sure that this isn't a problem down the line it is imperative that we pass the Blockchain Regulatory Clarity Act, which would not hold bitcoin developers liable for the ways in which end users leverage their tools.
Not only is this an act that would protect developers from pernicious government officials targeting them when end users use their technology in a way that doesn't make the government happy, it will also protect YOU, the end user, looking to transact in a peer-to-peer fashion and leverage all of the incredible properties of bitcoin the way they were meant to be. If the developers are not protected, they will not be able to build the technology that enables you to leverage bitcoin.
So do your part and go to saveourwallets.org. Reach out to your local representatives in Congress and Senators and make some noise. Let them know that this is something that you care deeply about and that they should not only pay attention to this bill but push it forward and enshrine it into law as quickly as possible.
There are currently many developers either behind bars or under house arrest for developing software that gives you the ability to use Bitcoin in a self-sovereign fashion and use it in a privacy-preserving way. Financial privacy isn't a crime. It is an inalienable human right that should be protected at all cost. The enshrinement of this inalienable right into law is way past due.
#FreeSamourai #FreeRoman
Headlines of the Day
MicroStrategy Copycats See Speculative Premiums Fade - via X
Square Tests Bitcoin Payments, Lightning Yields Beat DeFi - via X
Get our new STACK SATS hat - via tftcmerch.io
Bitfinex Moves $731M Bitcoin to Jack Mallers' Fund - via X
Take the First Step Off the Exchange
Bitkey is an easy, secure way to move your Bitcoin into self-custody. With simple setup and built-in recovery, it’s the perfect starting point for getting your coins off centralized platforms and into cold storage—no complexity, no middlemen.
Take control. Start with Bitkey.
Use the promo code “TFTC20” during checkout for 20% off
Ten31, the largest bitcoin-focused investor, has deployed $150.00M across 30+ companies through three funds. I am a Managing Partner at Ten31 and am very proud of the work we are doing. Learn more at ten31.vc/invest.
Final thought...
Should I join a country club?
Get this newsletter sent to your inbox daily: https://www.tftc.io/bitcoin-brief/
Subscribe to our YouTube channels and follow us on Nostr and X:
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@ 8bad92c3:ca714aa5
2025-06-03 18:02:33Marty's Bent
It's been a pretty historic week for the United States as it pertains to geopolitical relations in the Middle East. President Trump and many members of his administration, including AI and Crypto Czar David Sacks and Treasury Secretary Scott Bessent, traveled across the Middle East making deals with countries like Qatar, Saudi Arabia, the United Arab Emirates, Syria, and others. Many are speculating that Iran may be included in some behind the scenes deal as well. This trip to the Middle East makes sense considering the fact that China is also vying for favorable relationships with those countries. The Middle East is a power player in the world, and it seems pretty clear that Donald Trump is dead set on ensuring that they choose the United States over China as the world moves towards a more multi-polar reality.
Many are calling the events of this week the Riyadh Accords. There were many deals that were struck in relation to artificial intelligence, defense, energy and direct investments in the United States. A truly prolific power play and demonstration of deal-making ability of Donald Trump, if you ask me. Though I will admit some of the numbers that were thrown out by some of the countries were a bit egregious. We shall see how everything plays out in the coming years. It will be interesting to see how China reacts to this power move by the United States.
While all this was going on, there was something happening back in the United States that many people outside of fringe corners of FinTwit are not talking about, which is the fact that the 10-year and 30-year U.S. Treasury bond yields are back on the rise. Yesterday, they surpassed the levels of mid-April that caused a market panic and are hovering back around levels that have not been seen since right before Donald Trump's inauguration.
I imagine that there isn't as much of an uproar right now because I'm pretty confident the media freakouts we were experiencing in mid-April were driven by the fact that many large hedge funds found themselves off sides of large levered basis trades. I wouldn't be surprised if those funds have decreased their leverage in those trades and bond yields being back to mid-April levels is not affecting those funds as much as they were last month. But the point stands, the 10-year and 30-year yields are significantly elevated with the 30-year approaching 5%. Regardless of the deals that are currently being made in the Middle East, the Treasury has a big problem on its hands. It still has to roll over many trillions worth of debt over over the next few years and doing so at these rates is going to be massively detrimental to fiscal deficits over the next decade. The interest expense on the debt is set to explode in the coming years.
On that note, data from the first quarter of 2025 has been released by the government and despite all the posturing by the Trump administration around DOGE and how tariffs are going to be beneficial for the U.S. economy, deficits are continuing to explode while the interest expense on the debt has definitively surpassed our annual defense budget.
via Charlie Bilello
via Mohamed Al-Erian
To make matters worse, as things are deteriorating on the fiscal side of things, the U.S. consumer is getting crushed by credit. The 90-plus day delinquency rates for credit card and auto loans are screaming higher right now.
via TXMC
One has to wonder how long all this can continue without some sort of liquidity crunch. Even though equities markets have recovered from their post-Liberation Day month long bear market, I would not be surprised if what we're witnessing is a dead cat bounce that can only be continued if the money printers are turned back on. Something's got to give, both on the fiscal side and in the private markets where the Common Man is getting crushed because he's been forced to take on insane amounts of debt to stay afloat after years of elevated levels of inflation. Add on the fact that AI has reached a state of maturity that will enable companies to replace their current meat suit workers with an army of cheap, efficient and fast digital workers and it isn't hard to see that some sort of employment crisis could be on the horizon as well.
Now is not the time to get complacent. While I do believe that the deals that are currently being made in the Middle East are probably in the best interest of the United States as the world, again, moves toward a more multi-polar reality, we are facing problems that one cannot simply wish away. They will need to be confronted. And as we've seen throughout the 21st century, the problems are usually met head-on with a money printer.
I take no pleasure in saying this because it is a bit uncouth to be gleeful to benefit from the strife of others, but it is pretty clear to me that all signs are pointing to bitcoin benefiting massively from everything that is going on. The shift towards a more multi-polar world, the runaway debt situation here in the United States, the increasing deficits, the AI job replacements and the consumer credit crisis that is currently unfolding, All will need to be "solved" by turning on the money printers to levels they've never been pushed to before.
Weird times we're living in.
China's Manufacturing Dominance: Why It Matters for the U.S.
In my recent conversation with Lyn Alden, she highlighted how China has rapidly ascended the manufacturing value chain. As Lyn pointed out, China transformed from making "sneakers and plastic trinkets" to becoming the world's largest auto exporter in just four years. This dramatic shift represents more than economic success—it's a strategic power play. China now dominates solar panel production with greater market control than OPEC has over oil and maintains near-monopoly control of rare earth elements crucial for modern technology.
"China makes like 10 times more steel than the United States does... which is relevant in ship making. It's relevant in all sorts of stuff." - Lyn Alden
Perhaps most concerning, as Lyn emphasized, is China's financial leverage. They hold substantial U.S. assets that could be strategically sold to disrupt U.S. treasury market functioning. This combination of manufacturing dominance, resource control, and financial leverage gives China significant negotiating power in any trade disputes, making our attempts to reshoring manufacturing all the more challenging.
Check out the full podcast here for more on Triffin's dilemma, Bitcoin's role in monetary transition, and the energy requirements for rebuilding America's industrial base.
Headlines of the Day
Financial Times Under Fire Over MicroStrategy Bitcoin Coverage - via X
Trump in Qatar: Historic Boeing Deal Signed - via X
Get our new STACK SATS hat - via tftcmerch.io
Johnson Backs Stock Trading Ban; Passage Chances Slim - via X
Take the First Step Off the Exchange
Bitkey is an easy, secure way to move your Bitcoin into self-custody. With simple setup and built-in recovery, it’s the perfect starting point for getting your coins off centralized platforms and into cold storage—no complexity, no middlemen.
Take control. Start with Bitkey.
Use the promo code *“TFTC20”* during checkout for 20% off
Ten31, the largest bitcoin-focused investor, has deployed 158,469 sats | $150.00M across 30+ companies through three funds. I am a Managing Partner at Ten31 and am very proud of the work we are doing. Learn more at ten31.vc/invest.
Final thought...
Building things of value is satisfying.
Get this newsletter sent to your inbox daily: https://www.tftc.io/bitcoin-brief/
Subscribe to our YouTube channels and follow us on Nostr and X:
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@ 5d4b6c8d:8a1c1ee3
2025-06-04 01:24:36Howdy stackers, this is the place to share your ~HealthAndFitness triumphs and challenges.
I was glad to hit my step goal today, since it's gloomy and rainy here. Once again, I ate too many cookies. Gotta stop being a cookie monster.
How'd you all do, today?
https://stacker.news/items/996659
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@ f85b9c2c:d190bcff
2025-06-04 01:06:04Focusing on something for an hour a Day for the next 90 days will make you 90% better than others. I’ve been mulling over a simple truth lately, and I’m excited to share it with you. What if I told you that just one hour a day could change your game? Not ten, not five, but one little hour—sixty minutes to claim.
Stick with me here, because I’m about to break it down in a way that’ll make you cheer, with sentences that rhyme and a message that’s clear.
The Magic of One Hour Let’s start with the power that’s ours to devour. One hour a day, no more, no less, can lift you from the mundane mess. It’s not about grinding till you drop, or pushing so hard you flop. It’s a focused burst, a daily deed, planting a tiny, mighty seed. While others scroll or doze away, you’re stacking skills day by day. In 90 days, you’ll see it’s true— you’ll rise above the common crew.
Why 90 Days Works Ninety days, a quarter year, is time enough to shift your gear. It’s short enough to keep the fire, long enough to climb higher. Science says habits form in less, but mastery needs a steady press. An hour each day, consistent and neat, builds a rhythm you can’t beat. While others drift, you’ll stay on track, your progress piling, no looking back.
Be Better Than Most Here’s the kicker, the reason to boast: most folks don’t focus, they just coast. An hour of effort, pure and fine, puts you ahead of ninety-nine. Not because you’re some rare breed, but because you chose to plant that seed. The world’s distracted, screens aglow, but you’ll be steady, in the know. By day ninety, you’ll stand tall, 90% better than them all.
How to Make It Stick Pick your thing, don’t overthink—writing, coding, or a gym link. Set a time, make it rhyme with your daily chime. Shut the noise, close the door, focus deep, and explore. No multitasking, that’s a trap, just one task to bridge the gap. Track your days, feel the groove, watch your skills start to improve.
My Challenge to You So here’s my dare, from me to you: one hour a day, see it through. Ninety days, that’s all I ask, a simple, life-changing task. I’m doing it too, I’m in the race, chasing growth at my own pace. Let’s rise together, you and I, with just an hour, we’ll touch the sky. Start today, don’t delay— one hour a day is all you need, okay?
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@ cae03c48:2a7d6671
2025-06-03 10:01:00Bitcoin Magazine
Sberbank, Russia’s Biggest Bank, Launches Structured Bond Tied to BitcoinSberbank, the largest bank in Russia, has launched a new structured bond that ties investor returns to the performance of Bitcoin and the U.S. dollar-to-ruble exchange rate. This new financial product represents one of the first moves by a major Russian institution to offer Bitcoin-linked investments under recently updated national regulations.
BREAKING:
Russia's largest bank Sberbank launches structured bonds linked to Bitcoin. pic.twitter.com/LtD26jPS0x
— Bitcoin Magazine (@BitcoinMagazine) June 2, 2025
The structured bond is initially available over the counter to a limited group of qualified investors. According to the announcement, it allows investors to earn based on two factors: the price performance of BTC in U.S. dollars and any strengthening of the dollar compared to the Russian ruble.
Unlike typical Bitcoin investments, this product does not require the use of a Bitcoin wallet or foreign platforms. “All transactions [are] processed in rubles within Russia’s legal and infrastructure systems,” Sberbank stated, highlighting compliance with domestic financial protocols.
In addition to the bond, Sberbank has announced plans to launch similar structured investment products with Bitcoin exposure on the Moscow Exchange. The bank also revealed it will introduce a Bitcoin futures product via its SberInvestments platform on June 4, aligning with the product’s debut on the Moscow Exchange.
These developments follow a recent policy change by the Bank of Russia, which now permits financial institutions to offer Bitcoin-linked instruments to qualified investors. This shift opens the door for Bitcoin within the country’s traditional financial markets.
While Russia has previously taken a cautious approach to digital assets, Sberbank’s launch of a Bitcoin-linked bond and upcoming futures product marks a new phase of adoption—one that blends Bitcoin exposure with existing financial infrastructure.
The bank’s structured bond may signal a growing interest in regulated access to Bitcoin, especially within large financial institutions.
This post Sberbank, Russia’s Biggest Bank, Launches Structured Bond Tied to Bitcoin first appeared on Bitcoin Magazine and is written by Jenna Montgomery.
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@ f85b9c2c:d190bcff
2025-06-04 01:00:21Is Physical Punishment Truly an Effective Way to Discipline Children? Whether flogging or corporal punishment, is a proper way to correct a child often causes disagreement and debate. Over the centuries and around the world, educators, psychologists, parents and lawmakers have argued about it. A person’s behavior is corrected through flogging which is intended to be physically harsh. It is a big concern whether the process helps or leaves people with more damage over time.
Historical Perspective Floggings have been practiced for centuries to discipline people. Years back, many people used disciplinary spanking to encourage children to be disciplined and respectful. It used to be popularly believed that not using discipline made children spoiled. This saying suggested that flogging or some other physical punishment, was both necessary and proper to correct those who did wrong. Presently, things are not the same as they were before. In the last few decades, there has been a major change in what is generally accepted. Child development and psychology research indicate that flogging and different types of punishment might even cause harm.
Effects on Mind and Feelings Experts always see that flogging has negative impact on children’s mental health. Even though it may force someone to cooperate right away, it usually results in fear, resentment and aggression. Instead of showing right from wrong, it makes the child think that being disciplined is humiliating and causes pain. This situation might lower the child’s self-esteem, interfere with their emotional development and hurt the relationship between the child and the parent. Also, flogging does little to deal with the real reason why someone acts this way. It only worries about how to punish instead of trying to understand why the behavior occurred. A correct approach involves explaining the problem with what they did and supporting them to improve their decisions next time.
Having Questions About What Is Legal and Ethical Many countries now forbid flogging and other corporal punishments in both schools and homes. Children’s freedom from physical harm is becoming recognized more often in the law. UNCRC claims that children should be protected from all types of physical and mental abuse.
Ethical concerns are raised by the practice of using flogging to discipline people. It goes against the main principles of respect and dignity. Their growth as human beings calls for proper guidance, so kids can become mature and caring adults. When they are beaten, children often learn that violence is a way to find solutions.
What Can Be Used Instead of Flogging There are a lot of peaceful and successful steps you can take to guide how a child behaves. Settings ground rules, using praise for good behaviors, always keeping communication clear and giving the same consequences help. By giving praise for good behavior, you help the child want to act that way again. Giving a time-out or taking away things a person enjoys is a gentle way to deal with misbehavior.
In addition, these approaches help fix behavior problems and allow the child and caregiver to form trust and communicate openly. Through play, children learn to control themselves, feel empathy and solve problems which they need for their ongoing growth.
Conclusion In short, flogging does not make sense or work as a way to correct a child. Despite making the child obey at the moment, it often seriously harms a child’s emotional, psychological and moral growth in the future. Today’s parenting and educating focus on methods that fix misbehavior and boost a child’s confidence and sense of safety. Real correction teaches the child, helps them make right choices and encourages them to be responsible and caring. Flogging is not successful in reaching these goals. Rather, it causes a pattern of violence and fear that can cause serious damage in the long run. So, flogging should be understood not as a punishment, but as something harmful that society should forget about.
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@ 00ea1f73:71c6e344
2025-06-03 09:59:07Je suis en train de construire un outil de référencement collectif de marques et fabricants proposant des produits 100 % en matière naturelle (ce qui veut essentiellement dire "sans plastique").
Voici les étapes de ma progression ces dernières semaines en tant que non développeur pour créer cela tout en privilégiant des outils open source.
Etape 1 : faisons simple, du texte organisé
J'ai commencé par réunir mes idées dans Anytype. Leur approche "tout est un objet" laisse une flexibilité incroyable pour organiser ses données. On peut s'en servir comme simple outil de prise de note ou comme outil de gestion de projet. Le fonctionnement "local first" de l'application me donne la main sur mes données : elles sont stockées en local sur mon ordinateur et mon téléphone, qui se synchronisent entre eux.
Anytype permet depuis peu de publier sur Internet les "objets" de son choix (pages, notes, albums…) mais cela reste limité pour proposer à des visiteur une navigation fluide entre des objets liés (dans mon cas des marques et des matières par exemple). De plus, il n'est pas encore possible d'y automatiser la mise en forme de contenus à partir de données.
Ainsi, après avoir réuni les informations et préparé les contenus "à la main" pour trois marques seulement dans Anytype, j'ai eu besoin d'automatisation, et donc d'une vraie base de données. Je conserve quand même Anytype pour organiser mes idées et la suite du projet. Je l'utilise aussi pour la vie quotidienne (liste de course partagée, journal…).
Etape 2 : structurons une base de données
Baserow est une alternative à Airtable qui permet de gérer une base de données comme un tableur. Les formules utilisables dans les tableaux m'ont aidé à générer automatiquement les contenus de marque à partir des données que je réunissais. J'ai obtenu des données bien ordonnés dans de beaux tableaux sans avoir plus besoin de réécrire tout le contenu pour chaque marque.
J'ai passé un peu de temps à apprendre la syntaxe des formules de Baserow, j'ai mis à jour le contenu des trois premières marques, généré automatiquement celui d'une quatrième et… je me suis rendu compte que ça n'allait pas le faire.
Un point crucial de mon projet est la gestion et l'affichage des catégories de produits proposés par chaque marque, histoire que cela soit pratique de trouver les alternatives naturelles pour ce que l'on cherche sur le site. Or, dans Baserow il n'y avait pas moyen de générer mes contenus catégorisés de manière dynamique. J'étais contraint de modifier sans cesse des formules de plus en plus complexes, et donc avec un risque d'erreur de plus en plus grand. Cela reste un tableur, plus net pour gérer des données, mais moins fourni en termes de formules.
Avec une seule marque traitée en plus, mon "backend" v2 n'aura pas duré longtemps !
Etape 3 : courage, passons aux choses sérieuses
A ce moment là, j'ai sérieusement douté de ma capacité a créer ce site avec des outils open source et j'ai été tenté de retourner vers Bubble. À mon avis, Bubble est l'outil "no code" (ou de "programmation visuelle") le plus abouti. Je l'avais déjà utilisé efficacement avec We Do Good pour réaliser des prototypes de fonctionnalités, même utilisés provisoirement en production.
C'est génial, avec Bubble, des semaines de travail classique entre développeurs et designers pour arriver à une version utilisable se transforment en heures, voire en jours pour tester et valider des prototypes.
Mais… avec Bubble on n'a pas accès à ce qui se passe derrière l'interface de programmation. On devient en fait prisonnier de leur langage de programmation propriétaire. Si on a besoin de faire différemment, s'ils augmentent leurs prix de manière inadaptée, ou si un blocage se présente pour une autre raison, il faut tout refaire à zéro ou faire développer des nouvelles fonctionnalités (plugins) qui enrichissent Bubble.
J'ai alors décidé de passé au niveau supérieur en terme de technicité, avec des outils tout de même accessible aux non initiés motivés : une base de données dans Supabase connectée à une interface créée avec Plasmic. Avec Supabase j'ai accès aux paramétrages les plus fins sur les données et avec Plamic je construis visuellement ce dont j'ai besoin, comme avec Bubble.
Malgré l'interface visuelle très complètes de Plasmic, certaines fonctions dont j'ai besoin demandent des formules personnalisées utilisant un peu de code. L'avantage, c'est que là ou j'avais appris le language Bubble utilisable seulement avec Bubble, j'apprends maintenant les languages ouverts et universels du web sql et javascript, avec un peu d'aide de l'"IA" pour comprendre les fonctions et erreurs de syntaxe.
J'apprendre en faisant directement ce que j'ai envie, et c'est beaucoup plus efficace et motivant !
Plasmic me laisse aussi récupérer et réutiliser l'ensemble du code source ailleurs si j'en ai besoin un jour.
Je devais en passer par là
Chaque version de mon "backend" a été utile et même nécessaire à la suivante.
Avec mon expérience d'entrepreneur du web, je sentais depuis le départ que j'aurais besoin d'une solution robuste de base de données ainsi que de pouvoir intervenir sur le code facilement. Cependant, au démarrage, je n'avais pas envie de me plonger là-dedans. Finalement, bien m'en a pris ! La structuration de données que j'avais initialement imaginée est très différente de celle à laquelle j'arrive maintenant.
Je n'aurais pas eu une base de données claire et bien organisée dans Supabase si je n'avais pas fait précédemment une itération dans Baserow. Je n'aurais pas créé les tables et liaisons utiles dans Baserow si je n'avais pas créé les premiers contenus sous forme de texte avec liaisons dans Anytype.
De plus, je n'aurais pas trouvé l'énergie de me lancer sur ce nouveau projet si je n'avais pas commencé par une version très simple et non "scalable". C'est un vrai progrès personnel : j'ai toujours travaillé en essayant de concevoir le maximum de choses d'avances, pour me rassurer et limiter les risques, et parce que c'est ce qu'on apprend à l'école. Les problèmes, c'est que je dépensais pour cela une énergie folle et que bien sûr, la réalité ne correspond jamais vraiment aux prévisions.
En me lançant avec une première version pas du tout aboutie mais fonctionnelle, je me suis autorisé à faire plus d'erreur, à m'exposer et à me concentrer sur du concret.
Références
Pour moi, favoriser l'open source est essentiel car cela fait partie des outils fondamentaux pour défendre ma liberté et celle des autres.
Tous les outils que j'utilise ou ai utilisé pour ce projet sont open source, sauf Anytype qui est juste "open core" (c'est à dire qu'ils publient leur code mais n'autorisent pas tous les usages avec). Ils présentent aussi tous des plans gratuits bien pratiques pour se lancer sans contrainte financière.
- Anytype : https://anytype.io/
- Baserow : https://baserow.io/
- Supabase : https://supabase.com/
- Plasmic : https://www.plasmic.app/
J'ai aussi testé ou envisagé sans les retenir quelques autres solutions comme WordPress ou Silex. Provisoirement, en attendant d'avoir créé toutes les interfaces dont j'ai besoin avec Plasmic, j'utilise NocoDB, connecté à Supabase, pour disposer d'une interface visuelle équivalente à Baserow (avec des formules moins avancées mais la possibilité de me connecter plusieurs bases de données si besoin).
J'utilise beaucoup Alternative.to pour trouver les outils dont j'ai besoin, on y peut filtrer les applications selon de nombreux critère, je le recommande.
Ensuite, il faut tester et se lancer, voire tester en se lançant !
opensource #nocode #lowcode #vibecoding #ia #produitsnaturels #zeroplastique #nostrfr
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@ 6be5cc06:5259daf0
2025-06-04 00:58:46Introdução
O princípio do sola scriptura, pedra angular da teologia protestante desde a Reforma do século XVI, estabelece que apenas a Escritura constitui a autoridade final e suprema em questões de fé e prática cristã. Este princípio, formulado inicialmente por Martinho Lutero e sistematizado pelos reformadores subsequentes, pretende oferecer um fundamento epistemológico sólido para a teologia, livre das supostas corrupções da tradição eclesiástica.
Contudo, uma análise rigorosa revela que o sola scriptura incorre em contradições lógicas fundamentais que comprometem sua viabilidade como sistema epistemológico coerente. Este artigo examina essas contradições através de três perspectivas complementares: filosófica, exegética e histórica.
A Contradição Performativa Fundamental
O Problema da Autoreferência
O sola scriptura enfrenta um dilema epistemológico insuperável: afirma que apenas a Escritura possui autoridade final em matéria de fé, mas essa própria regra não é explicitamente ensinada na Escritura. Trata-se de uma contradição performativa clássica, onde o enunciado viola suas próprias condições de possibilidade.
Esta situação configura uma falácia de petitio principii (círculo vicioso), pois exige que se aceite uma doutrina que não pode ser sustentada pelas premissas do próprio sistema. Para estabelecer o sola scriptura, seria necessário recorrer a uma autoridade externa à Escritura – precisamente aquilo que o princípio pretende rejeitar.
Fundacionalismo Mal Estruturado
Do ponto de vista epistemológico, o sola scriptura apresenta-se como um fundacionalismo defeituoso. Pretende funcionar como axioma supremo e auto-evidente, mas falha ao não fornecer a base textual que sua própria metodologia exige. Um verdadeiro fundacionalismo escriturístico deveria ser capaz de demonstrar sua validade através de uma prova explícita nas próprias Escrituras.
O Testemunho Contrário das Escrituras
Limitações do Registro Escrito
A própria Escritura reconhece as limitações do registro textual. João 21:25 declara explicitamente: "Jesus fez também muitas outras coisas. Se cada uma delas fosse escrita, penso que nem mesmo no mundo inteiro haveria espaço suficiente para os livros que seriam escritos."
Este versículo é particularmente problemático para o sola scriptura, pois reconhece que nem todos os ensinamentos de Cristo foram preservados por escrito. Como pode a Escritura ser suficiente se ela própria admite sua incompletude?
A Valorização da Tradição Oral
Paulo, em 2 Tessalonicenses 2:15, oferece uma instrução que contradiz frontalmente o sola scriptura: "Assim, pois, irmãos, ficai firmes e conservai os ensinamentos que de nós aprendestes, seja por palavras, seja por carta nossa."
O apóstolo valoriza inequivocamente tanto a tradição oral ("por palavras") quanto a escrita ("por carta"), estabelecendo um modelo de autoridade dual que o protestantismo posterior rejeitaria.
A Necessidade de Autoridade Interpretativa
A narrativa do eunuco etíope em Atos 8:30-31 demonstra a inadequação da Escritura isolada como autoridade final. Quando Filipe pergunta se o eunuco entende o que lê, a resposta é reveladora: "Como poderei entender, se alguém não me ensinar?"
Este episódio ilustra que a mera posse do texto bíblico não garante compreensão adequada. É necessária uma autoridade interpretativa externa – no caso, representada por Filipe, que age com autoridade apostólica.
A Complexidade Hermenêutica
Pedro, em sua segunda epístola (3:16-17), reconhece a dificuldade interpretativa inerente às Escrituras: "Suas cartas contêm algumas coisas difíceis de entender, as quais os ignorantes e instáveis torcem, como também o fazem com as demais Escrituras, para a própria destruição deles."
Esta passagem não apenas reconhece a complexidade hermenêutica dos textos sagrados, mas também alerta sobre os perigos da interpretação inadequada. Implicitamente, sugere a necessidade de uma autoridade interpretativa confiável para evitar distorções doutrinárias.
O Paradoxo Histórico da Canonização
A Dependência da Tradição Eclesiástica
Um dos argumentos mais devastadores contra o sola scriptura emerge da própria história da formação do cânon bíblico. Os concílios de Hipona (393 d.C.) e Cartago (397 d.C.) foram responsáveis pela definição oficial do cânon das Escrituras tal como conhecemos hoje.
Este fato histórico cria um paradoxo insuperável: aceitar a Bíblia como autoridade única requer aceitar a autoridade da tradição eclesiástica que a definiu. O próprio cânon bíblico é produto da tradição apostólica e da deliberação conciliar, não de autodefinição escriturística.
A Circularidade da Autopistia
Tentativas protestantes de resolver este dilema através do conceito de "autopistia" – a suposta capacidade das Escrituras de se auto-autenticar – apenas aprofundam o problema circular. Como determinar que as Escrituras possuem esta propriedade sem recorrer a critérios externos? A própria doutrina da autopistia não é explicitamente ensinada na Escritura.
Implicações Teológicas e Epistemológicas
A Fragmentação Interpretativa
A história do protestantismo oferece evidência empírica das consequências práticas do sola scriptura. A multiplicação de denominações e interpretações divergentes sugere que o princípio, longe de fornecer clareza doutrinária, pode na verdade contribuir para a fragmentação teológica.
Se a Escritura fosse verdadeiramente suficiente e auto-interpretativa, seria razoável esperar maior convergência hermenêutica entre aqueles que aderem ao sola scriptura. A realidade histórica sugere o contrário.
A Alternativa Católica e Ortodoxa
As tradições católica e ortodoxa, embora enfrentando suas próprias tensões epistemológicas, mantêm pelo menos coerência interna ao reconhecer explicitamente múltiplas fontes complementares de autoridade: Escritura, Tradição e Magistério (no caso católico) ou Escritura e Tradição (no caso ortodoxo).
Estas posições evitam a contradição performativa do sola scriptura ao não reivindicar que sua própria metodologia epistemológica seja derivada exclusivamente da Escritura.
Conclusão
A análise crítica do sola scriptura revela contradições estruturais que comprometem fundamentalmente sua viabilidade como princípio epistemológico. O princípio incorre em contradição performativa ao estabelecer uma regra que não pode ser derivada de suas próprias premissas, configura um fundacionalismo mal estruturado ao carecer de base textual explícita, e enfrenta o testemunho contrário da própria Escritura, que reconhece suas limitações e a necessidade de autoridades interpretativas externas.
O paradoxo histórico da canonização – onde o próprio cânon bíblico depende da autoridade tradicional que o sola scriptura pretende rejeitar – representa talvez o golpe mais decisivo contra o princípio protestante.
Isso não implica necessariamente a falsidade do protestantismo como sistema teológico, mas sugere que seus fundamentos epistemológicos requerem reformulação substancial. Uma teologia protestante intelectualmente honesta precisaria reconhecer as limitações do sola scriptura e desenvolver uma epistemologia mais nuançada que leve em conta a complexidade das fontes de autoridade religiosa.
A busca pela verdade teológica, independentemente de compromissos confessionais, exige o reconhecimento rigoroso das limitações e contradições inerentes aos nossos sistemas epistemológicos. No caso do sola scriptura, essa honestidade intelectual revela um princípio que, por mais central que seja para a identidade protestante, não pode sustentar o peso epistemológico que tradicionalmente lhe foi atribuído.
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@ c4f5e7a7:8856cac7
2025-06-03 08:15:33I've managed to amass three SN profiles.
Is there a way to combined these?
@k00b @ek
https://stacker.news/items/995836
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@ e8646d56:72dab368
2025-06-03 08:15:30eee
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@ 8bad92c3:ca714aa5
2025-06-03 23:02:04Let's dive into the most interesting forward-looking predictions from my recent conversations with industry experts.
Court Cases Against Bitcoin Developers Will Set Critical Precedent for the Industry's Future - Zack Shapiro
The outcome of the Samurai Wallet case will determine whether software developers can be held legally responsible for how users employ their non-custodial Bitcoin tools. Zack Shapiro laid out the stakes clearly: "The precedent that the Bank Secrecy Act can be applied to just software that allows you to move your own money on the Bitcoin blockchain is incredibly dangerous for developers, for node runners, for miners... Basically everyone in the Bitcoin space is at risk here."
According to Shapiro, the government's position in this case fundamentally misunderstands Bitcoin's architecture: "The government says that the defendants transmitted, Keone and Bill transmitted money that they knew belonged to criminals. That's not how a coin join works. The people who transmitted the money are the people that used Whirlpool and the people that used Ricochet. They signed their keys."
Should this prosecution succeed in establishing precedent, Shapiro predicts catastrophic consequences: "If that becomes the law of the land... then basically no actor in the Bitcoin economy is safe. The government's theory is that if you facilitate movement of money, you're a money transmitter, that would reach node runners, wallet developers, miners, lightning routing nodes... whatever tool stack you use, the people who built that are at risk."
With the case continuing despite FinCEN's own position that Samurai's software isn't money transmission, Shapiro believes the resolution will likely come through political rather than legal channels in the next 6-12 months.
Malpractice Around COVID mRNA Vaccines Will Be Exposed Within 2 Years - Dr. Jack Kruse
Dr. Jack Kruse predicts that major revelations about mRNA vaccine damage will force an eventual removal from the market, particularly from childhood vaccination schedules. During our conversation, Dr. Kruse shared alarming statistics: "25,000 kids a month are getting popped with this vaccine. Just so you know, since Trump has been elected, three million doses have been given to children."
According to Dr. Kruse, the scale of this problem dwarfs other health concerns: "The messenger job can drop you like Damar Hamlin, can end your career like JJ Watt, can end your career like all the footballers who've dropped dead on a soccer field." What makes this particularly concerning is the suppression of evidence about the damages, with Dr. Kruse noting that data from Japan showing changes in cancer distribution patterns was pulled, and VAERS data being dismissed despite showing alarming signals.
Dr. Kruse believes the coming years will see an unavoidable reckoning: "If by the end of this year, everybody in unison realized that MRA platform is bad news and it's gone. That to me is... I would tell you the biggest win is to get rid of the MRA platform even before any of the Bitcoin stuff." This suggests he expects significant momentum toward removing these vaccines from circulation by the end of 2025.
Global Economic Reordering Will Create Demand for Neutral Reserve Assets Like Bitcoin and Gold - Lyn Alden
The next two years will be critical in determining whether the United States maintains dollar dominance while navigating Triffin's dilemma. During our conversation, Lyn highlighted how the current administration is attempting to thread a needle between reshoring manufacturing while maintaining the dollar's reserve status - an almost impossible task on extremely fragile ground.
"When they talk about kind of a currency accord to weaken the dollar, they mentioned ideally they wanted to use multi-lateral approaches, but there are some unilateral approaches that they can do, which includes printing dollars to buy reserve assets," Lyn explained when discussing Treasury advisor Stephen Myron's position paper.
As the world potentially moves to a multipolar currency system, Lyn predicts significant demand increases for neutral reserve assets. "The two options on the table at this point are gold and Bitcoin," she noted, but pointed out that "our geopolitical adversaries have been stacking gold for a while and with a special intensity for the last three years." This creates a strategic opportunity for the US, as Bitcoin is "overwhelmingly held in the United States."
Lyn believes this transition is already underway, with the demand for neutral reserve assets like Bitcoin growing as countries seek alternatives to solely dollar-denominated reserves.
Blockspace conducts cutting-edge proprietary research for investors.
Iran's Shadow Mining Economy: 2 GW of Bitcoin Mined Underground While Legal Operations Struggle
Iran hosts a thriving underground Bitcoin mining industry that has emerged as a critical financial lifeline for citizens grappling with international sanctions and domestic economic controls. This shadow economy dwarfs the legal sector, with an estimated 2 gigawatts of illegal mining operations compared to just 5 megawatts of sanctioned activity.
According to ViraMiner CEO Masih Alavi, approximately 800,000 illegal miners have been discovered and fined by authorities. Yet operations continue in homes, office buildings, and even jewelry stores, where Iranians tap into unmetered electricity to mine Bitcoin, later converting it to stablecoins like USDT for savings and commerce.
While the government has approved permits for about 400 megawatts of legal mining capacity, punitive electricity tariffs and regulatory barriers have strangled legitimate operations. "I blamed the government for this situation," says Alavi. "They introduced flawed policies in the beginning, especially by setting the wrong electricity tariffs for the mining industry."
Despite using obsolete equipment like Antminer S9s and M3s, underground miners remain profitable when converting earnings to Iranian rials, creating an ecosystem that serves an estimated 18 million Iranian cryptocurrency holders.
Looking ahead, Alavi predicts further crackdowns as Iran enters peak electricity demand season, potentially reducing legal mining to zero while underground operations continue to evolve sophisticated detection evasion techniques.
Subscribe to them here (seriously, you should): https://newsletter.blockspacemedia.com/
Ten31, the largest bitcoin-focused investor, has deployed $150M across 30+ companies through three funds. I am a Managing Partner at Ten31 and am very proud of the work we are doing. Learn more at ten31.vc/invest.
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@ 0b884d0d:9abbd54a
2025-06-02 21:42:29Conceitos chaves
Neste artigo você vai entender um pouco dos conceitos chave desse novo conjunto de ferramentas para aplicar justiça de forma descentralizada e anárquica.
Antes de continuar a leitura, quero elucidar alguns termos que serão constantemente usados neste artigo.
- Private Law Society (PLS)
- Uma organização sem fins lucrativos com o objetivo de criar novas soluções para tornar cada vez mais viável a aplicabilidade de uma justiça privada e descentralizada
- Ao mesmo tempo, um conjunto de protocolos e softwares de código aberto com o mesmo propósito
- Links úteis
- Perfil Nostr: nostr:npub1p79dx59d5gctllar73cqnucqft89gpkfmydxj4mmk2jj69s7hn3sfjatxx
- GitHub: https://github.com/PrivateLawSociety
- Sobre: https://privatelawsociety.net
- Bitcoin Justice Protocol (BJP)
- Um protocolo estabelecido pela Private Law Society
- Também um software de código aberto disponível no GitHub da Private Law Society
- Links úteis
- GitHub: https://github.com/PrivateLawSociety/pls-bjp
- Sobre: https://privatelawsociety.net/bjp
- Implementação oficial da PLS: https://pls-bjp.vercel.app/
- Web Of Trust (WoT)
- Uma base de dados com avaliações entre usuários Nostr relatando confiança/desconfiança e se um usuário teve relações comerciais ou não com outro
- O objetivo é ser um repositório de reputação para chaves Nostr
- Links úteis
- GitHub: https://github.com/PrivateLawSociety/pls-wot
- Sobre: https://privatelawsociety.net/wot
- Implementação oficial da PLS: https://pls-wot.vercel.app/
- Meu fork com o grafo: https://pls-wot-kiuusai.vercel.app/
Prefácio
Recentemente saiu um episódio no BetterMoney podcast sobre o projeto de justiça privada Private Law Society.
Muitos bons pontos foram levantados neste excelente episódio pelos participantes nostr:npub12mllp29adf2fw0eeahmseczcu3y4625qyn3v4uwfvkpzlshnmj3qs903ju e nostr:npub1wsl3695cnz7skvmcfqx980fmrv5ms3tcfyfg52sttvujgxk3r4lqajteft. Mas neste entorno permanecem ainda muitas dúvidas sobre o projeto em si, seu funcionamento, princípios, objetivos e funcionalidades.
Venho através deste artigo, apresentar resumidamente o projeto, a filosofia por trás do mesmo e dar a minha visão de como este conjunto de protocolos chamado Private Law Society tem a capacidade de não só transformar o mundo como o conhecemos, mas de tornar boa parte do "poder judiciário" obsoleto e irrelevante em vários aspectos, se assim os indivíduos o quiserem.
Mas afinal, o que é essa tal de PLS?
PLS é um acrônimo para Private Law Society (Sociedade de Leis Privadas em uma tradução livre). Além de uma organização sem fins lucrativos e totalmente Open Source, trata-se de um conjunto de softwares disponíveis no GitHub de forma a estruturar um protocolo de justiça privada descentralizado com colateral em Bitcoin. Falei grego para você? Vamos com calma dissecar estes conceitos...
Sociedade de leis privadas, a "utopia" libertária se tornando realidade
Quem é adepto do movimento libertário e/ou estuda o tema, provavelmente já ouviu falar nesse termo. Originalmente cunhado por David Hume, o filósofo e idealista escocẽs. O projeto toma este nome com o intúito, talvez de forma ambiciosa, mas com certeza visionária e audaz, de trazer uma solução prática e simples de estabelecer contratos voluntários entre duas ou mais partes, as quais livremente escolhem os seus "árbitros" ou "juízes" para fazer valer a lei. Como realmente uma justiça paralela a qual o contrato faz lei entre as partes.
Para uma introdução sobre o conceito, indico este vídeo do canal AnCapSu que trata sobre o tema de forma resumida.
Essa ideia, simples a priori esbarra no problema da aplicabilidade da força, ou ao menos era o que se pensava, antes da criação de ferramentas como o Bitcoin e soluções como Taproot e Bitcoin Scripts. Agora, com uma propriedade realmente soberana, programável e incensurável, essa ideia começa a ganhar forma.
Basicamente, uma dúvida plausível para uma pessoa leiga no assunto seria: "Tá, entendi. Esse tal de bitcoin é realmente bom, seguro e o Estado não tem poder de controle sobre ele. Mas como isso pode gerar essa tal de sociedade de leis privadas? É só uma forma de dinheiro."
A resposta para isso é: Dinheiro programável, chaves privadas e reputação!
BJP: contratos colateralizados em Bitcoin
Bitcoin, Nostr e Taproot: a chave para a aplicação da justiça privada
Se você já está minimamente envolvido com o ambiente Bitcoin, Nostr e afins, deve saber o que é um par de chaves públicas e privadas e como isso funciona. Existe uma chave pública e privada, a pública é a forma de identificação no sistema e a privada é a que gera as assinaturas. Daí é possível determinar que quem publicou a mensagem, seja na blockchain do Bitcoin, seja na rede Nostr, é o dono daquela chave pública em específico. Assim, se institui uma forma de identidade digital.
O que muita gente não sabe, ou não dá o devido valor, é que depois do soft fork Taproot da rede Bitcoin (ocorrido em 2021), os antigos Bitcoin Scripts tomaram outra forma e maior capacidade, se tornando mais práticos, leves e funcionais. Isso é o que dá base hoje para "contratos inteligentes" no Bitcoin e toda a parafernalha de Ordinals, Runes e coisas do gênero. O que pra muitos foi uma maldição que encheu a mempool, na verdade também se provou uma bênção, a qual é a base do BJP (Bitcoin Justice Protocol) da Private Law Society. A atualização permitiu com que scripts mais complexos pudessem ser desenvolvidos de forma mais simples, fossem mais leves e tivessem uma melhor privacidade. O BJP se empodera disso, fornecendo uma solução ao mesmo tempo que simples, inovadora para casos de uso de contratos. Primariamente na camada nobre do Bitcoin e posteriormente na Liquid Network, para aqueles que querem poupar em taxas e terem mais privacidade.
Por sua vez, o Nostr funciona também com criptografia de curvas elípticas, assim como nosso querido Bitcoin. Para ser mais preciso, o mesmo algoritmo é usado tanto no Nostr quanto no Bitcoin. O Secp256k1. Na prática isso significa que toda chave Nostr também é uma chave Bitcoin em potencial. O BJP se apropria dessa interconexão para possibilitar a criação de contratos jurídicos.
BJP: uma multisig sofisticada?
Ok, até agora vimos o que torna esse tal de BJP possível, mas como ele funciona e como eu posso usá-lo na prática?
Bem grosseiramente falando, o BJP é um software que facilita a criação de carteiras multisig específicas para contratos jurídicos. Com ele, você constrói uma multisig não convencional com Taproot que assegura o cumprimento do contrato mediante concordância de todas as partes "clientes" do contrato ou do número mínimo de árbitros configurados previamente + um dos clientes.
Na prática, um script Taproot é montado com a seguinte lógica:
``` Clientes = {Lista de chaves públicas dos clientes}
Árbitros = {Lista de chaves públicas dos árbitros}
Quorum = Número mínimo de árbitros para aprovar a transação
Se todos os Clientes concordarem: Libera gasto Senão se 1 dentre todos os Clientes concorda e ao menos o Quorum de Árbitros concorda: Libera gasto Senão Bloqueia gasto ```
Esse algoritmo garante que o contrato seja efetuado e esteja de acordo com a vontade de todas as partes envolvidas, ou, se entrar em "disputa judicial", o número mínimo de árbitros designados para "fazer valer a lei", concorde junto com a parte lesada para onde os fundos devem ir.
Um exemplo prático:
Aqui temos um exemplo prático de aplicabilidade de um contrato feito através do BJP. Nesse caso, tendo a concordar com o nostr:npub1narc0ect9jf0ffnvcwg8kdqlte69yxfcxgxwaq35eygw42t3jqvq4hxv0r e discordar do nostr:npub12mllp29adf2fw0eeahmseczcu3y4625qyn3v4uwfvkpzlshnmj3qs903ju quando o primeiro comenta no recente episódio do BetterMoney Podcast:
19:30 Eu discordo do Júlio. Acho que a PLS seria perfeita pro contrato de aluguel. O locatário coloca o colateral e o proprietário vai ter certeza de que não vai tomar calote.
E se uma das partes tentar levar pra justiça estatal, não vai ter nenhum nome no contrato, apenas chaves públicas.
E está certo. O exemplo prático que acabei de citar reforça isso. Não há nada que impeça também, de no contrato, ter uma cláusula a qual envolver a justiça estatal cause algum prejuízo ou perda de causa imediata para a parte expositora. Não estou fazendo recomendação alguma, fazendo apologia a qualquer prática ou aconselhando usar deste tipo de artifício, se o que falo possa ser interpretado como crime pela lei positivada (não sou advogado). Mas, no campo das ideias e das possibilidades no mundo real, é uma possível solução/alternativa.
Vamos ao exemplo...
Adriano Calango quer alugar um apartamento de Beto Lagartixa. Só que ambos não se conhecem e não confiam suficientemente um no outro para fazer um contrato. Ambos decidem então escrever um documento. Word, Pdf ou um texto puro. Não importa. Lá estão todas as cláusulas, o caução do aluguel, multas estabelecidas para uso indevido, penalidades, dia de pagamento, decisão sobre multa de atraso, enfim, qualquer detalhe desse contrato.
Adriano Calango, escolhe Célsio Jacaré, seu amigo como seu árbitro pessoal. Beto Lagartixa escolhe Danilo Crocodilo, seu amigo, como seu árbitro pessoal. Ambos escolhem Eduardo Cobra, um réptil íntegro, com reputação ilibada e que já fez vários julgamentos, como um árbitro em comum para seu contrato. Daqui temos: dois contratantes, duas testemunhas e um juíz.
Adriano Calango então, acessa o site da PLS BJP para criar o contrato. Configura os clientes (ele e Beto Lagartixa), configura todos os árbitros, anexa o arquivo e cria o contrato na rede Bitcoin.
Um evento Nostr criptografado é criado e um link de compartilhamento do contrato é disponibilizado. Adriano Calango compartilha esse link com todos os usuários disponíveis.
Todos os usuários verificam os detalhes do contrato e se o documento do contrato bate com o contrato assinado. Todas as partes ativamente concordando, a nossa multisig é criada.
Um arquivo do contrato é disponibilizado para acessar a multisig do contrato posteriormente. Todos os usuários salvam esse arquivo e o mantém guardado em um local seguro. O objetivo disso é ter redundância. Se um dos participantes perder este arquivo, outro pode compartilhar o mesmo para possibilitar o acesso à multisig do contrato.
Adriano Calango e Beto Lagartixa depositam os devidos colaterais no contrato. Seja o caução de aluguel ou um montante separado para ser empenhorado. Isso é definido pelo acordo feito previamente.
Se tudo ocorrer bem, assim que Adriano Calango resolver se mudar e Beto Lagartixa não tiver nenhuma objeção quanto a isso, ambos voltam para o contrato previamente feito e concordam quanto aos montantes que cada um receberá de volta. Dividem o preço da taxa entre si e cada um tem sua propriedade de volta.
Digamos que Adriano Calango não cumpriu com parte do contrato, atrasando o pagamento de alguns meses. Por outro lado, Beto Lagartixa também não cumpriu parte de seu acordo, deixando de fornecer serviços prescritos no contrato como segurança de condomínio e um elevador funcional. O caso então é levado aos árbitros. Célsio Jacaré argumenta a favor de Adriano Calango, questionando Beto Lagartixa sobre os serviços não prestados pelo mesmo e que claramente no contrato estavam previstos como parte inclusa no custo do aluguel. Danilo Crocodio retruca sobre a inadimplência de Adriano Calango, defendendo seu amigo/cliente, Beto Lagartixa. Eduardo Cobra, ao ouvir calmamente todos os argumentos de ambos os lados, então decide: - Adriano Calango foi inadimplente por três meses. Portanto terá uma multa de 35% sobre seu patrimônio - Beto Lagartixa terá uma multa de 25% sobre o seu patrimônio, pois não prestou o serviço com a devida qualidade - O restante do patrimônio será devolvido para seus respectivos donos - Dos valores da multa: - 90% será dividido entre cada árbitro. 30% para cada - Os 10% restantes serão queimados em taxas para os mineradores
Note que não foi usado nenhum meio coercitivo para solucionar o caso e penalizar os réus em seus devidos processos. Tudo foi aceito voluntariamente previamente, inclusive da parte dos árbitros. As multas aplicadas são meramente ilustrativas. Em um cenário real, tais penalidades seriam acordadas previamente e na falta das mesmas, todas as partes discutiriam até entrar em um acordo quanto a decisão. É totalmente plausível que, por exemplo, a penalidade fosse queimar todo o valor das multas em taxas para os mineradores, se assim todos aceitassem. O mecanismo de mineração nesse cenário também se torna um possivel meio de aplicação de força em um julgamento.
Só esta parte do ecosistema já faz boa parte dos casos de uso da justiça estatal obsoleta, dando maior descentralização, privacidade e soberania para os indivíduos.
Nesse cenário temos novamente a "utopia" libertária sendo definitivamente aplicada. Não há dedo do Estado no meio, todos os contratos foram previamente acordados entre as partes e não houve violação ao PNA (Princípio da Não Agressão). Todo o processo foi estritamente voluntário desde o começo.
WoT: A digitalização da reputação
Quem vê o projeto a primeira vista, pode pensar:
Ah Calango. Legal essa solução com bitcoin e tal. Mas eu vou sempre precisar gastar meus bitcoins toda vida que fizer um contrato? Tem contratos que isso não vale a pena!
Sim. Isso é verdade. Tanto que foi genialmente um caso citado pelo nostr:npub12mllp29adf2fw0eeahmseczcu3y4625qyn3v4uwfvkpzlshnmj3qs903ju. Há casos que os valores são tão pequenos que não compensa criar todo um documento de contrato para, por exemplo, comprar um livro ou algo do tipo. Ou, algumas vezes, o próprio indivíduo não quer gastar dinheiro ou travar valores para manter esse contrato. Mas não é o único caso de uso. Lembre-se que mesmo com colaterais aplicados, normalmente as pessoas não gostam de entrar em decisões judiciais ou confusões em geral. Idealmente todos querem traçar o caminho feliz da história. Então, mesmo para firmar contratos com colateral em Bitcoin usando o BJP, é plausível que um usuário queira pesquisar o "histórico" de outro usuário na rede para averiguar se é uma boa ideia ou não se envolver com aquele indivíduo em específico.
Naturalmente o ser humano já pratica esse cálculo de reputação e analisa o ambiente a sua volta para entender a hierarquia e reputação dele e de outros indivíduos em um grupo. Somos seres sociais e naturalmente na nossa cabeça já montamos uma espécie de rede de confiança na nossa cabeça com a imagem que formamos de um indivíduo X ou Y com base na nossa comunidade. Hierarquia, lideranças, influência, são características naturais do ser humano.
A partir desse cenário, surgiu a ideia de gerar uma solução para uma melhor visualização da reputação entre usuários do protocolo. O objetivo é ser primariamente um repositório com avaliações de usuários sobre outros usuários, os classificando positivamente ou negativamente e informando se houve ou não negócios/fechamento de contratos com o mesmo. A ideia é realmente simples e o objetivo é deixar o protocolo aberto para as mais diversas formas de interpretação desses dados. Seja com modelos matemáticos, visualização e interpretação pessoal ou até mesmo o uso de inteligência artificial para o auxiliar o usuário a tomar suas decisões.
WoT: o nome é conhecido, mas a proposta é diferente
Veja que há uma diferença prática na WoT da PLS e outros projetos de WoT espalhados pela internet afora e pelo Nostr. A maioria dos projetos de WoT são para determinar se uma pessoa/chave privada é ou não relevante a partir da visão de outra chave privada. É o caso de serviços de WoT como o da Coracle.Social, Vertexlab.io e mais recentemente da nova implementação de WoT Relays. Serviços como estes tem o objetivo de reduzir ou eliminar spam e falsidade ideológica (fakes), assim como oferecer uma espécie de algoritmo de recomendação, similar ao que é feito em redes sociais como YouTube e Instagram.
Note que em nenhum momento o objetivo da WoT da PLS é definir por A + B quem é ou deixa de ser confiável ou inconfiável, afinal, confiança é algo estritamente relativo. Nenhum projeto pode ter a audácia de tentar classificar pessoas como confiáveis ou inconfiáveis a nível de estabelecimento de contratos. A PLS entende isso e respeita esse caráter subjetivo da confiança. De igual maneira, nunca foi o objetivo de qualquer projeto de WoT sério fazer algo similar ao que é feito em países como a China, onde pessoas têm alguma espécie de "crédito social". Fique tranquilo. Nosso objetivo não é tornar os episódios distópicos de Black Mirror em realidade 🤣
Visualização em grafo: uma proposta elegante
Desde que entrei de cabeça no projeto da PLS, uma coisa que veio sendo falada nas reuniões era sobre a criação de novas ferramentas para visualizar a rede de formas mais intuitivas, que ajudassem os usuários ao julgar pessoas como confiáveis ou não para estabelecer contratos, e ao mesmo tempo, resolvessem o problema de UX que é uma simples tabela com avaliações entre usuários da rede. A tendência é, a partir do momento que o projeto comece a ter adesão, que o número de notas cresça exponencialmente, e com isso, a visualização da reputação dos indivíduos seja pouco intuitiva. Uma solução apresentada para este problema foi a criação de um frontend com grafos, ou melhor, a criação de uma forma de visualização da sua rede de confiança em particular. A partir disso, foi gerada uma bounty no projeto para a implementação desta solução, a qual eu orgulhosamente estou construindo (na verdade está pronta para uso. Mas ainda quero melhorar algumas coisas). O objetivo é simples: dar ao usuário mais uma forma de contemplar os dados da WoT, de forma mais particular e intuitiva. Facilitando a tomada de decisões.
A natureza da confiança humana em sintonia com a tecnologia
Bolhas virtuais, vilarejos e mineiros
Uma possível crítica que o projeto possa receber é a possibilidade de ataques de spam ou cancelamento em massa corroer ou inviabilizar a utilidade do protocolo. Ataque Sybil também. Entretanto, são espantalhos até bem inocentes quanto ao projeto em questão.
Como havia mencionado anteriormente, a base do projeto em si é propositalmente simples e não se propõe a dar uma solução definitiva para a visualização dos dados postos no protocolo. A tabela de avaliações hoje existente no site da WoT da PLS é apenas uma das inúmeras formas de interpretar estes dados. E uma forma efetiva para problemas como esse, é justamente a implementação de uma visualização por grafo, onde os usuários podem ver redes de confiança sendo tracejadas a partir do ponto de vista específico de uma npub em particular.
Aqui a lógica de um antigo ditado é aplicada:
"O amigo do meu amigo é meu amigo"
Da mesma maneira também podemos formular outras afirmações como:
"O inimigo do meu inimigo é meu amigo"
"O inimigo do meu amigo é meu inimigo"
"O amigo do meu inimigo é meu inimigo"
Se tais derivações fazem sentido para você ou não, não cabe a mim dizer. Novamente, confiança é intrinsecamente algo de caráter subjetivo. Vai de cada um decidir quem é ou não confiável. É justamente por isso que estou implementando diversos filtros de avaliações no meu fork da PLS.
Na prática é o velho jogo de política de sempre. Como bem citado uma vez pelo filósofo e youtuber Platinho, ao citar Carl Schmitt:
Isso também se reflete na cultura mineira (e rural do Brasil em geral), por exemplo. O clássico "cê é fi de quem?". Perceba que essa é uma forma de procurar por um caminho de confiança já estabelecido. Quem tem parente em interior sabe, que uma das coisas mais comuns é os mais velhos, seja ou tio, mãe ou avô perguntar sobre um amigo que você leve para o ambiente familiar (meu filho, esse seu amigo é filho de quem?) É algo até instintivo do ser humano procurar por rotas de confiança e trabalhar de certa forma com o QI (Quem Indica). Goste você ou não, é assim que a natureza humana se expressa e é assim que a dinâmica social é montada.
Vendo que é natural a formação de bolhas, não é uma boa ideia em si interpretar os dados da WoT da PLS simplesmente de uma forma numérica bruta. A melhor forma é fazer uma abordagem individual, com base na sua rede de confiança ao invés de puramente o número de avaliações positivas e negativas.
O grafo da PLS busca justamente tornar mais intuitivo, prático e sistemático essa pesquisa natural. Essa implementação é além de uma ferramenta, uma forma de expressão social muito forte, tanto em âmbito social quanto jurídico, à medida em que a dinâmica social e jurídica se entrelaçam no tecido social.
Adriano Calango ataca novamente
Para um exemplo prático, voltemos a falar dele, Adriano Calango.
Adriano Calango conhece a WoT da PLS já faz um tempo e já avaliou todos os seus parceiros comerciais e amigos aos quais tem laços de confiança já firmes e maduros. Ele procura alguém para alugar uma casa Rolante, RS. ´Ele vê alguns perfis de síndicos no Nostr que moram na mesma cidade que ele com casas disponíveis para alugar. Mas quer ter uma noção que não está se metendo em encrenca ou lidando com algum síndico chato que inferniza a vida dos inquilinos.
Dito isso, ele acessa a WoT da PLS e vai na página do grafo. Percebe que seu amigo Bruno Jabuti, ao qual já havia avaliado positivamente anteriormente, avaliou positivamente um professor de Jiu-jitsu, conhecido como Carlos Camaleão. Que além de ser avaliado positivamente por Bruno Jabuti, recebeu várias avaliações positivas de outros usuários conhecidos de Adriano Calango. Carlos Camaleão, por sua vez, avaliou positivamente um síndico da região chamado Diego Iguana. Na descrição Carlos Camaleão descreve como em todo o tempo que ele foi inquilino de Diego Iguana sempre foi bem tratado e como seu condomínio estava sempre bem organizado e era cuidadosamente zelado, e como sempre que havia alguma falha de infraestrutura, o problema era rapidamente resolvido. Adriano Calango considera firmar um contrato de aluguel com Diego Iguana.
Assim, temos o seguinte caminho de confiança estabelecido:
Adriano Calango 👍 -> Bruno Jabuti 👍 -> Carlos Camaleão 👍 -> Diego Iguana
Passando-se alguns dias, Adriano Calango é abordado por Denis Jacaré em uma DM no Nostr oferecendo aluguel baratíssimo e com poucas exigências. Denis Jacaré foi informado que Adriano Calango estava a procura de um imóvel novo para residir. Adriano Calango, então, pega a chave Nostr de Denis Jacaré e joga na parte de "target" na página do grafo na PLS WoT. Ele percebe que Denis Jacaré tem várias avaliações negativas de inúmeros usuários, mas não consegue ainda bater o martelo quanto a confiabilidade de Denis Jacaré. Ele então insere sua própria chave Nostr no campo de "main rater" e vê que tem um caminho tracejado entre a sua npub e a de Denis Jacaré. Pra sua surpresa, ele vê que Carlos Camaleão deu a Denis Jacaré uma avaliação negativa, por conta que no período em que sua filha era inquilina do mesmo, prestou um péssimo serviço. O condomínio vivia com o elevador quebrado, a portaria muitas vezes não funcionava e tinha falta de luz constante. Denis Jacaré não tomava providẽncia nenhuma quanto a isso e ainda fazia questão de causa intriga entre os inquilinos e tentar jogar uns contra os outros. Adriano Calango, então percebe que Denis Jacaré não é confiável com base na rede de confiança definida por Adriano Calango.
Nesse caso temos o seguinte circuito estabelecido:
Adriano Calango 👍 -> Bruno Jabuti 👍 -> Carlos Camaleão 👎 -> Denis Jacaré
Adriano Calango aborda Diego Iguana para estabelecer um contrato. Agora é a vez de Diego Iguana pesquisar o histórico de Adriano Calango. Pois ele quer manter a comunidade de seu condomínio saudável e não deseja aceitar inquilinos baderneiros ou barraqueiros.
Diego Iguana faz então o caminho inverso de Adriano Calango, pondo a npub de Adriano Calango como "target" e a própria npub como "main rater". Daí Diego Iguana consegue ver que Carlos camaleão deu uma nota positiva para Bruno Jabuti e Bruno Jabuti deu uma nota positiva para Adriano Calango. Os dois então fecham negócio.
Neste exemplo, o grafo da WoT da PLS serviu como uma "bússola de confiança" para Adriano Calango e Diego Iguana firmarem um contrato no BJP com seus árbitros e advogados.
Considerações finais
Neste artigo você pôde aprender os conceitos básicos da Private Law Society, motivos de certas escolhas de design, viu exemplos práticos de casos de uso e um pouco das bases filosóficas que norteiam o ecosistema da PLS. Também pôde compreender um pouco mais sobre o conceito de WoT na PLS e como isso pode ser útil com o passar do tempo e a adesão de novos usuários no sistema.
Se este conteúdo te agregou de forma positiva em algo, considere mandar um ZAP ou fazer uma doação anônima por um dos meios disponibilizados na descrição do meu perfil Nostr. Este artigo foi feito com muito carinho e dedicação. Sua doação me encoraja a continuar produzindo e lhe mantendo informado. Se não pode ou não quer contribuir financeiramente, considere engajar no conteúdo reagindo, compartilhando e comentando. Toda a ajuda é bem vinda. Agradeço de coração sua paciência e atenção para ler até aqui.
Em breve trarei novidades sobre o desenvolvimento do grafo da WoT e logo mais, vídeo novo no meu canal do YouTube. Até mais!
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- Easily verify transactions via provided blockchain explorer links
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- Private iNode Cluster: Guarantees fast synchronization and reliable transactions.
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- Genuine Blockchain TX IDs: Authentic transaction IDs included with every flash
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- Is flashing secure?
Yes, encrypted with full VPN/proxy support. - Can I flash from multiple devices?
Yes, up to 5 Windows PCs per license. - Are chargebacks possible?
No, flash transactions are irreversible. - How long are flash coins spendable?
From 60–360 days, based on your chosen plan. - Verification after expiry?
Transactions can’t be verified after the expiry.
Support available?
Yes, 24/7 support via Telegram & WhatsApp.
Transparent, Reliable & Highly Reviewed:
CryptoFlashingTool.com operates independently, providing unmatched transparency and reliability. Check out our glowing reviews on ScamAdvisor and leading crypto forums!
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Ready to Start?
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@ dfa02707:41ca50e3
2025-06-03 21:02:19Contribute to keep No Bullshit Bitcoin news going.
- Coinswap is a decentralized protocol for private, trustless cryptocurrency swaps. It allows participants to securely swap digital assets without intermediaries, using advanced cryptographic techniques and atomic swaps to ensure privacy and security.
- This release introduces major improvements to the protocol's efficiency, security, and usability, including custom in-memory UTXO indexes, more advanced coin-selection algorithms, fidelity bond management and more.
- The update also improves user experience with full Mac support, faster Tor connections, enhanced UI/UX, a unified API, and improved protocol documentation.
"The Project is under active beta development and open for contributions and beta testing. The Coinswap market place is live in testnet4. Bug fixes and feature requests are very much welcome."
- Manuals and demo docs are available here.
What's new
- Core protocol and performance improvements:
- Custom in-memory UTXO indexes. Frequent Core RPC calls, which caused significant delays, have been eliminated by implementing custom in-memory UTXO indexes. These indexes are also saved to disk, leading to faster wallet synchronization.
- Coin selection. Advanced coin-selection algorithms, like those in Bitcoin Core, have been incorporated, enhancing the efficiency of creating different types of transactions.
- Fidelity management. Maker servers now automate tasks such as checking bond expiries, redemption, and recreation for Fidelity Bonds, reducing the user's management responsibilities.
- Taker liveness. The
WaitingFundingConfirmation
message has been added to keep swap connections between Takers and Makers, assisting with variable block confirmation delays.
-
User experience and compatibility:
- Mac compatibility. The crate and apps now fully support Mac.
- Tor operations are streamlined for faster, more resilient connections. Tor addresses are now consistently linked to the wallet seed, maintaining the same onion address through system reboots.
- The UI/UX improvements enhance the display of balances, UTXOs, offer data, fidelity bonds, and system logs. These updates make the apps more enjoyable and provide clearer coin swap logs during the swap process.
-
API design improvements. Transaction creation routines have been streamlined to use a single common API, which reduces technical debt and eliminates redundant code.
- Protocol spec documentation now details how Coinswap breaks the transaction graph and improves privacy through routed swaps and amount splitting, and includes diagrams for clarity.
Source: Coinswap Protocol specification.
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@ e2c72a5a:bfacb2ee
2025-06-04 01:45:55When the whales cry for help: crypto trader's $100M bet turns community funding experiment
A multimillionaire trader just placed a second $100 million Bitcoin bet days after being liquidated, but what's truly revolutionary isn't the size—it's how he's funding it. James Wynn has turned to the crypto community for donations, receiving stablecoins from 24 users to "fight the market-making cabal" he claims is targeting his positions. This unprecedented crowdfunded leverage experiment raises fascinating questions about market manipulation, community solidarity, and the blurring lines between individual and collective risk in crypto trading.
Is this the birth of community-backed whale trading? Or simply a desperate gambler's last stand? Either way, it reveals how blockchain transparency creates entirely new social dynamics around trading that would be impossible in traditional markets. What happens when your liquidation becomes everyone's battle?
Would you donate to protect a stranger's $100M position? The answer might reveal more about crypto's future than any price prediction.
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@ da8b7de1:c0164aee
2025-06-03 19:31:32Lengyelország előrelépése az első atomerőmű építésében
Lengyelország állami nukleáris vállalata, a Polskie Elektrownie Jadrowe (PEJ) és egy amerikai konzorcium – élén a Westinghouse és a Bechtel cégekkel – mérnöki fejlesztési megállapodást kötött. Ez a szerződés kulcsfontosságú lépés az ország első atomerőművének megvalósítása felé, lehetővé téve a részletes mérnöki és helyszínspecifikus munkák megkezdését. A lengyel kormány ezt mérföldkőnek tekinti az energiaszuverenitás és a dekarbonizáció felé vezető úton.
Amerikai politika: lendület az új nukleáris technológiáknak
Az Egyesült Államok kormánya elnöki rendeletet adott ki, amely reformokat vezet be a nukleáris reaktorok tesztelésében az Energiaügyi Minisztériumnál. A cél az új generációs reaktorok – köztük mikroreaktorok és kis moduláris reaktorok (SMR-ek) – fejlesztésének és engedélyezésének felgyorsítása, valamint a környezetvédelmi vizsgálatok egyszerűsítése. A rendelet legalább három új reaktor kritikus üzembe helyezését célozza meg 2026 júliusáig, támogatva ezzel az ipari alkalmazások széles körét, például adatközpontokat vagy hidrogéntermelést. Az intézkedés célja, hogy az USA visszaszerezze vezető szerepét a nukleáris innovációban, és csökkentse a korábbi években felhalmozódott engedélyezési akadályokat.
Kis moduláris reaktorok (SMR) fejlesztése világszerte
Az SMR-szektorban világszerte jelentős előrelépések történtek: - Az amerikai Tennessee Valley Authority (TVA) benyújtotta az első építési kérelmet egy GE Hitachi BWRX-300 SMR-re a Clinch River telephelyen. - Kanadában az Ontario Power Generation engedélyt kapott az első, négy tervezett SMR megépítésének megkezdésére a Darlington telephelyen. - Belgium és Brazília innovatív SMR-technológiákat vizsgál, köztük ólom-hűtésű reaktorokat és nemzetközi együttműködéseket. - Olyan technológiai óriások, mint a Google, az USA-ban korai fázisú fejlett nukleáris projektekbe fektetnek, ami a magánszektor növekvő érdeklődését mutatja.
Globális ipari és pénzügyi támogatás a nukleáris bővítéshez
Széles körű koalíció – köztük olyan nagyvállalatok, mint az Amazon, Google, Meta, Dow – és pénzügyi intézmények kötelezték el magukat amellett, hogy 2050-re megháromszorozzák a globális nukleáris kapacitást. Ez összhangban van az ENSZ klímacsúcsain tett vállalásokkal, ahol már 31 ország támogatja a nukleáris energia megháromszorozását a nettó zéró kibocsátási célok eléréséhez. Az amerikai kongresszus olyan törvényjavaslatokat készít elő, amelyek lehetővé tennék, hogy a multilaterális fejlesztési bankok – például a Világbank – is finanszírozhassanak nukleáris projekteket, megszüntetve ezzel a korábbi tiltásokat.
Közelgő nemzetközi nukleáris biztonsági gyakorlat
A Nemzetközi Atomenergia-ügynökség (IAEA) készül a ConvEx-3 vészhelyzeti gyakorlatára, amelyet 2025. június 24–25-én Romániában tartanak. A gyakorlat egy súlyos nukleáris vészhelyzetet szimulál a cernavodai atomerőműben, tesztelve a tagállamok és nemzetközi szervezetek felkészültségét és reagálóképességét. A ConvEx-3 a legmagasabb szintű IAEA vészhelyzeti gyakorlat, kulcsszerepet játszik a globális nukleáris biztonság és védelem erősítésében.
Politikai bizonytalanság Dél-Korea nukleáris terveiben
Dél-Korea 2025. június 3-i elnökválasztása hatással lehet az ország nukleáris reneszánszára. A vezető jelölt, Lee Jae-myung kijelentette, hogy „egyelőre” fenntartaná a nukleáris energiát, de hosszabb távon a megújulók felé mozdulna el. Ez bizonytalanságot okoz a koreai nukleáris ipar hazai és exportterveiben, ami kihatással lehet a globális ellátási láncokra és külföldi reaktorprojektekre is.
Iparági trendek és további fejlemények
- Japán új energiastratégiája maximalizálni kívánja a nukleáris energia részarányát, 2040-re mintegy 20%-ot célozva, különös hangsúlyt fektetve a következő generációs reaktorokra és a biztonság növelésére.
- Belgium kormánya és a francia Engie közműcég megállapodott a kulcsfontosságú reaktorok üzemidejének tízéves meghosszabbításáról, ami az európai nukleáris pálfordulás újabb jele.
- Az IAEA és a World Nuclear Association egyaránt növekvő nemzetközi érdeklődésről számol be az SMR-ek és fejlett reaktortechnológiák iránt, új projektek és partnerségek indulnak Ázsiában, Európában és Amerikában.
Források:
world-nuclear-news.org
nucnet.org
iaea.org
world-nuclear.org
govinfo.gov
whitehouse.gov -
@ 4fa5d1c4:fd6c6e41
2025-06-02 05:58:24Im Rahmen unseres Workshops möchte ich auf zwei inspirierende Beiträge von Frau Schütze hinweisen und dich einladen, deren Ansätze für die religionsbezogene Bildung weiterzudenken. Die beiden Ausgangspunkte sind:
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Werkstattbericht: KI-Bilder im Ethik/Philosophie-Unterricht\ In diesem Beitrag beschreibt Frau Schütze, wie sie mithilfe verschiedener KI-Modelle (Midjourney, DALL·E, Ideogram.ai) Bilder generiert, um Schülerinnen und Schüler zum Nachdenken über philosophische und ethische Theorien anzuregen. So wurden zum Beispiel KI-Bilder erstellt, die eine Glückstheorie illustrieren, oder symbolische Darstellungen zum ontologischen und kosmologischen Gottesbeweis (etwa das „größte denkbare Wesen“ bzw. den Laplaceschen Dämon). Dabei erfahren die Lernenden nicht nur einen visuellen Zugang zu abstrakten Gedankenexperimenten, sondern reflektieren zugleich die Grenzen und Tücken von KI-gestützter Bildbeschreibung und -verarbeitung.\ https://frauschuetze.de/?p=7946
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Rollenkarten Moralphilosophie / angewandte Ethik\ Hier stellt Frau Schütze Rollenkarten vor, die sie für den Oberstufenunterricht entwickelt hat, um Diskussionen zur angewandten Ethik zu strukturieren. Die Karten enthalten Porträts wichtiger Moralphilosophinnen (z. B. Diogenes, Spaemann) und weitere Rollen wie Hinterfragerinnen oder Zweifler*innen, die sich schnell in Fallanalysen, Fishbowl-Formate oder Philosophencafés einbringen lassen. Die Porträts wurden ebenfalls mit Midjourney erstellt, wobei die Prompts konkret beschreiben, wie die Figuren dargestellt werden sollen (z. B. „xxx as a character in a fantasy story, portrait“).\ https://frauschuetze.de/?p=7640
Übertragung auf die religionsbezogene Bildung
Für religionsbezogene Bildungsszenarien eröffnen sich hier viele spannende Möglichkeiten. Im Folgenden findest du ein paar Ideenimpulse, wie du KI-Bilder und Rollenkarten gezielt einsetzen kannst, um religiöse Fragen, Traditionen und Identitäten in den Mittelpunkt zu rücken:
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KI-Bilder zur Visualisierung religiöser Konzepte
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Symbolik und Ikonographie erschließen\ Nutze KI-Modelle, um die Symbolwelten verschiedener Religionen (z. B. Christentum, Islam, Buddhismus, Hinduismus) visuell zu erkunden. Überlege: Wie lässt sich das Kreuz in unterschiedlichen Stilrichtungen (klassisch, modern, abstrakt) darstellen? Welche Bildwelten entstehen, wenn du nach einer fusionierten Ikonographie fragst, die christliche, buddhistische und indigene Symbole kombiniert? Durch den kreativen Prozess mit KI lernst du, welche Metaphern und Traditionen hinter religiösen Zeichen stehen und wie sie – bewusst oder unbewusst – von Algorithmen interpretiert werden. Dabei kannst du auch die Grenzen von KI thematisieren: Welche Vorurteile oder Fehldeutungen schleichen sich in die Bildgenerierung ein, wenn religiöse Themen verarbeitet werden?
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Gedankenexperimente zu Gott und Transzendenz\ Analog zu den KI-Bildern für Gottesbeweise könntest du Aufgaben stellen wie:
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„Erstelle ein KI-Bild, das die Idee von Theodizee visuell darstellt.“
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„Lass die KI eine Szene generieren, in der gläubige und atheistische Perspektiven im Dialog stehen.“\ Anschließend diskutierst du mit der Gruppe, inwiefern die Bilder die jeweiligen Konzepte treffend abbilden oder eher stereotyp und eindimensional bleiben. Auf diese Weise vermittelst du nicht nur Content-Wissen, sondern entwickel auch die Medienkompetenz, indem du Fragen nach Intention, Deutungshoheit und algorithmischer Verzerrung aufwirfst.
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Rollenkarten für religiöse Perspektiven und Diskussionsformate
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Personen aus religiösen Traditionen als Rollen\ Statt ausschließlich Moralphilosophinnen zu berücksichtigen, kannst du Rollenkarten mit Porträts von Religionsstifterinnen (z. B. Jesus von Nazareth, Maria, Mohammed, Buddha, Krishna), Reformern (Martin Luther, Savonarola) oder zeitgenössischen Theolog*innen (z. B. Dorothee Sölle) gestalten. Die KI-gestützten Bilder können dabei in unterschiedlichen künstlerischen Stilrichtungen entstehen – von historischer Malerei bis hin zu zeitgenössischer Street-Art-Adaption. Jede Rolle enthält einen kurzen Steckbrief mit zentralen Glaubensvorstellungen, biografischen Eckpunkten und einem charakteristischen Argument oder Zitat. So kannst du die Lernenden in Rollendebatten schicken, etwa:
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„Wie würde Luther heute auf die Klimakrise blicken?“
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„Welche theologische Argumentation könnte Dorothee Sölle zum Thema Gewaltlosigkeit einbringen?“
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Szenarien für kontroverse Debatten
- Religiöse Vielfalt versus Säkularismus\ Verteilt Karten, in denen Rollen wie „konservativer Christ“, „liberaler Muslim“, „selbstbewusste/r Konfessionslose/r“, „Theologieprofessor/in“ oder „politische/r Aktivist/in“ eingenommen werden. Die KI-Porträts unterstützen die Visualisierung, verleihen den Rollen ein Gesicht und erleichtern das Einfühlen in andere Perspektiven.
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Interaktive Formate im Religionsunterricht
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Glaubenscafé (analog zum Philosophencafé)\ In Kleingruppen diskutiert ihr verschiedene Glaubenspositionen. KI-Bilder dienen als Ausgangspunkt: Ein Bild, das etwa die Drei-Tage-Phase von Tod und Auferstehung Jesu künstlerisch darstellt, oder ein generiertes Motiv zu einem hinduistischen Fest (z. B. Holi), wird an die Wand projiziert. Anschließend reflektiert ihr gemeinsam: Welche Emotionen, Symbole, Bedeutungen nehmt ihr wahr? Danach schlüpft ihr in Rollenkarten (z. B. theologische/r Fachreferent/in, Religionskritiker/in, Gemeindemitglied) und erarbeitet Positionen, die ihr in einem moderierten Glaubenscafé präsentiert.
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Fishbowl-Diskussionen\ Nutzt Rollenkarten zu religionsspezifischen Rollen (z. B. Rabbiner/in, Pfarrerin, Atheist/in, Kleriker/in einer traditionellen Religion, spirituelle/r Influencer/in) für eine Fishbowl-Diskussion zum Thema „Sinnsuche in der Postmoderne“. Die KI-Bilder dienen zu Beginn als visuelle Reize: „Welche Elemente im Bild sprechen für Spiritualität, welche eher für Skepsis?“ So wird die Distanz zwischen digitaler Darstellung und gelebter religiöser Erfahrung erlebbar.
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Methodische Hinweise und Reflexion
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Prompt-Kompetenz schulen\ Wie schon im Ethikunterricht festgestellt, erfordert das präzise Beschreiben von Bildwünschen viel Übung. Die Lernenden lernen, welche Schlüsselbegriffe notwendig sind und wie kulturelle Vorannahmen in Prompts stecken bleiben. Im religionspädagogischen Kontext könnt ihr dies gezielt thematisieren: Wie formuliert man z. B. den Prompt „Stelle eine friedvolle interreligiöse Konferenz zwischen Christentum, Islam und Judentum dar“ so, dass keine Stereotype reproduziert werden?
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Ethik des Bilderzeugens\ Diskutiert gemeinsam, inwiefern KI-Bilder beim Umgang mit heiklen religiösen Themen (z. B. Darstellungen des Propheten Mohammed im Islam) kulturelle oder religiöse Grenzen überschreiten können. Legt zusammen ethische Leitlinien fest, bevor ihr KI zur Bildproduktion nutzt: Welche religiösen Bilder sind "sakrosankt", welche dürfen manipuliert werden und was bedeutet das für Religionsfreiheit und Respekt?
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Reflexion über Urheberrecht und OER\ Wie Frau Schütze in den Rollenkarten-Anleitungen betont, sind ihre Materialien unter CC-BY-Lizenz verfügbar. Erörtert, was es bedeutet, religiöse Bild- und Textmaterialien unter Open-Content-Lizenzen zu verwenden und welche Implikationen das für Schule, Gemeinde und Zivilgesellschaft hat. Das sensibilisiert für Fragen von Teilhabe und Gemeineigentum im digitalen Raum.
Einladung zum Weiterdenken
Ich lade dich herzlich ein, die vorgestellten Methoden und Materialien in eigenen Projekten auszuprobieren und weiterzuentwickeln. Diskutiere in Kleingruppen oder in einer offenen Runde:
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Welche religiösen Themen lassen sich besonders gut mit KI-Bildern visualisieren?\ Beispiele: Zehn Gebote, Fastenrituale, Schöpfungsmythen, Visionen von Heiligen oder Heiligenschauen. Welche Prompts würdest du verwenden, um diese Szenen zu erzeugen?
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Wie könnten Rollenkarten zu spezifischen religiösen Traditionen aussehen?\ Entwickle gemeinsam mit anderen kurze Steckbriefe und Bildprompts für Rollen wie „Sufi-Derwisch“, „Gottesleugner/in der Aufklärung“, „Ökumenische/r Pastor/in“, „Religionspädagog*in“, „Katholischer Laienbruder“ oder „Jüdische Rabbinerin“. Achte dabei auf unterschiedliche religiöse Sichtweisen und Geschlechterperspektiven.
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Welche Herausforderungen ergeben sich beim Einsatz von KI-Bildern im Religionsunterricht?\ Erörtert mögliche Missverständnisse, kulturelle Fehlinterpretationen oder ethische Konflikte (z. B. pietätslose Darstellungen von Figuren, die in bestimmten Glaubensgemeinschaften als heilig gelten). Entwickelt gemeinsam Kriterien oder einen Leitfaden, um solche Risiken zu minimieren.
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Wie lassen sich interreligiöse Dialoge durch digitale Methoden fördern?\ Gebt Impulse, wie man mit KI-Bildern und Rollenkarten einen „virtuellen Tempelraum“ gestalten kann, in dem Symbole unterschiedlicher Religionen nebeneinanderstehen und zu Dialog anregen. Welche Fragen stellen sich dabei hinsichtlich Toleranz, Respekt und theologischer Pluralität?
Zusammenfassung und Ausblick
Die beiden Beiträge von Frau Schütze bieten hervorragende Grundlagen, um im religionsbezogenen Unterricht visuelle und interaktive Zugänge zu schaffen. Durch KI-Bilder gewinnen die Teilnehmenden neue Zugänge zu Symbolik, Theodizee und Gottesvorstellungen, während Rollenkarten Dialogkompetenz und Empathie für unterschiedliche religiöse Perspektiven stärken. Diese Ideenimpulse sollen dich ermutigen, die Methoden selbst zu erproben und weiterzuentwickeln. Im digitalen Zeitalter können wir so das gemeinsame Lernen und interkulturelle Verständnis gerade im sensiblen Feld der Religionsbildung bereichern.
Ich freue mich auf deine kreativen Umsetzungen und den Austausch über Erfahrungen, Herausforderungen und Fortschritte in diesem spannenden Feld!Antworte gerne auf diesen Beitrag und kommentiere mit deinen Gedanken und Assoziationen oder poste selbst etwas als Impuls, das andere anregt und weiterverwendet werden darf mit dem Hashtag #relilab.\ \ Template: Avery Re https://opengameart.org/content/trading-card-template unter der Lizenz CC-by https://creativecommons.org/licenses/by/4.0/deed.de / Einige Texte und Bezeichnungen von Frank Schlegel https://digitaldurstig.de/rollenkarten/ unter der Lizenz CC-by-SA 4.0, https://creativecommons.org/licenses/by-sa/4.0/deed.de\ Lizenz: cc-by-sa 4.0 / frauschuetze.de / Juli 2023
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@ 127d3bf5:466f416f
2025-06-01 12:39:00In the Name of Allah, the Most Gracious, the Most Merciful,
"Permission to fight (against disbelievers) is given to those (believers) who are fought against, because they have been wronged and surely, Allah is Able to give them (believers) victory" [Quran 22:39]
"Those who believe, fight in the Cause of Allah, and those who disbelieve, fight in the cause of Taghut (anything worshipped other than Allah e.g. Satan). So fight you against the friends of Satan; ever feeble is indeed the plot of Satan."[Quran 4:76]
Some American writers have published articles under the title 'On what basis are we fighting?' These articles have generated a number of responses, some of which adhered to the truth and were based on Islamic Law, and others which have not. Here we wanted to outline the truth - as an explanation and warning - hoping for Allah's reward, seeking success and support from Him.
While seeking Allah's help, we form our reply based on two questions directed at the Americans:
(Q1) Why are we fighting and opposing you?\ (Q2) What are we calling you to, and what do we want from you?
As for the first question: Why are we fighting and opposing you? The answer is very simple:
(1) Because you attacked us and continue to attack us.
a) You attacked us in Palestine:
(i) Palestine, which has sunk under military occupation for more than 80 years. The British handed over Palestine, with your help and your support, to the Jews, who have occupied it for more than 50 years; years overflowing with oppression, tyranny, crimes, killing, expulsion, destruction and devastation. The creation and continuation of Israel is one of the greatest crimes, and you are the leaders of its criminals. And of course there is no need to explain and prove the degree of American support for Israel. The creation of Israel is a crime which must be erased. Each and every person whose hands have become polluted in the contribution towards this crime must pay its*price, and pay for it heavily.
(ii) It brings us both laughter and tears to see that you have not yet tired of repeating your fabricated lies that the Jews have a historical right to Palestine, as it was promised to them in the Torah. Anyone who disputes with them on this alleged fact is accused of anti-semitism. This is one of the most fallacious, widely-circulated fabrications in history. The people of Palestine are pure Arabs and original Semites. It is the Muslims who are the inheritors of Moses (peace be upon him) and the inheritors of the real Torah that has not been changed. Muslims believe in all of the Prophets, including Abraham, Moses, Jesus and Muhammad, peace and blessings of Allah be upon them all. If the followers of Moses have been promised a right to Palestine in the Torah, then the Muslims are the most worthy nation of this.
When the Muslims conquered Palestine and drove out the Romans, Palestine and Jerusalem returned to Islaam, the religion of all the Prophets peace be upon them. Therefore, the call to a historical right to Palestine cannot be raised against the Islamic Ummah that believes in all the Prophets of Allah (peace and blessings be upon them) - and we make no distinction between them.
(iii) The blood pouring out of Palestine must be equally revenged. You must know that the Palestinians do not cry alone; their women are not widowed alone; their sons are not orphaned alone.
(b) You attacked us in Somalia; you supported the Russian atrocities against us in Chechnya, the Indian oppression against us in Kashmir, and the Jewish aggression against us in Lebanon.
(c) Under your supervision, consent and orders, the governments of our countries which act as your agents, attack us on a daily basis;
(i) These governments prevent our people from establishing the Islamic Shariah, using violence and lies to do so.
(ii) These governments give us a taste of humiliation, and places us in a large prison of fear and subdual.
(iii) These governments steal our Ummah's wealth and sell them to you at a paltry price.
(iv) These governments have surrendered to the Jews, and handed them most of Palestine, acknowledging the existence of their state over the dismembered limbs of their own people.
(v) The removal of these governments is an obligation upon us, and a necessary step to free the Ummah, to make the Shariah the supreme law and to regain Palestine. And our fight against these governments is not separate from out fight against you.
(d) You steal our wealth and oil at paltry prices because of you international influence and military threats. This theft is indeed the biggest theft ever witnessed by mankind in the history of the world.
(e) Your forces occupy our countries; you spread your military bases throughout them; you corrupt our lands, and you besiege our sanctities, to protect the security of the Jews and to ensure the continuity of your pillage of our treasures.
(f) You have starved the Muslims of Iraq, where children die every day. It is a wonder that more than 1.5 million Iraqi children have died as a result of your sanctions, and you did not show concern. Yet when 3000 of your people died, the entire world rises and has not yet sat down.
(g) You have supported the Jews in their idea that Jerusalem is their eternal capital, and agreed to move your embassy there. With your help and under your protection, the Israelis are planning to destroy the Al-Aqsa mosque. Under the protection of your weapons, Sharon entered the Al-Aqsa mosque, to pollute it as a preparation to capture and destroy it.
(2) These tragedies and calamities are only a few examples of your oppression and aggression against us. It is commanded by our religion and intellect that the oppressed have a right to return the aggression. Do not await anything from us but Jihad, resistance and revenge. Is it in any way rational to expect that after America has attacked us for more than half a century, that we will then leave her to live in security and peace?!!
(3) You may then dispute that all the above does not justify aggression against civilians, for crimes they did not commit and offenses in which they did not partake:
(a) This argument contradicts your continuous repetition that America is the land of freedom, and its leaders in this world. Therefore, the American people are the ones who choose their government by way of their own free will; a choice which stems from their agreement to its policies. Thus the American people have chosen, consented to, and affirmed their support for the Israeli oppression of the Palestinians, the occupation and usurpation of their land, and its continuous killing, torture, punishment and expulsion of the Palestinians. The American people have the ability and choice to refuse the policies of their Government and even to change it if they want.
(b) The American people are the ones who pay the taxes which fund the planes that bomb us in Afghanistan, the tanks that strike and destroy our homes in Palestine, the armies which occupy our lands in the Arabian Gulf, and the fleets which ensure the blockade of Iraq. These tax dollars are given to Israel for it to continue to attack us and penetrate our lands. So the American people are the ones who fund the attacks against us, and they are the ones who oversee the expenditure of these monies in the way they wish, through their elected candidates.
(c) Also the American army is part of the American people. It is this very same people who are shamelessly helping the Jews fight against us.
(d) The American people are the ones who employ both their men and their women in the American Forces which attack us.
(e) This is why the American people cannot be not innocent of all the crimes committed by the Americans and Jews against us.
(f) Allah, the Almighty, legislated the permission and the option to take revenge. Thus, if we are attacked, then we have the right to attack back. Whoever has destroyed our villages and towns, then we have the right to destroy their villages and towns. Whoever has stolen our wealth, then we have the right to destroy their economy. And whoever has killed our civilians, then we have the right to kill theirs.
The American Government and press still refuses to answer the question:
Why did they attack us in New York and Washington?
If Sharon is a man of peace in the eyes of Bush, then we are also men of peace!!! America does not understand the language of manners and principles, so we are addressing it using the language it understands.
(Q2) As for the second question that we want to answer: What are we calling you to, and what do we want from you?
(1) The first thing that we are calling you to is Islam.
(a) The religion of the Unification of God; of freedom from associating partners with Him, and rejection of this; of complete love of Him, the Exalted; of complete submission to His Laws; and of the discarding of all the opinions, orders, theories and religions which contradict with the religion He sent down to His Prophet Muhammad (peace be upon him). Islam is the religion of all the prophets, and makes no distinction between them - peace be upon them all.
It is to this religion that we call you; the seal of all the previous religions. It is the religion of Unification of God, sincerity, the best of manners, righteousness, mercy, honour, purity, and piety. It is the religion of showing kindness to others, establishing justice between them, granting them their rights, and defending the oppressed and the persecuted. It is the religion of enjoining the good and forbidding the evil with the hand, tongue and heart. It is the religion of Jihad in the way of Allah so that Allah's Word and religion reign Supreme. And it is the religion of unity and agreement on the obedience to Allah, and total equality between all people, without regarding their colour, sex, or language.
(b) It is the religion whose book - the Quran - will remained preserved and unchanged, after the other Divine books and messages have been changed. The Quran is the miracle until the Day of Judgment. Allah has challenged anyone to bring a book like the Quran or even ten verses like it.
(2) The second thing we call you to, is to stop your oppression, lies, immorality and debauchery that has spread among you.
(a) We call you to be a people of manners, principles, honour, and purity; to reject the immoral acts of fornication, homosexuality, intoxicants, gambling's, and trading with interest.
We call you to all of this that you may be freed from that which you have become caught up in; that you may be freed from the deceptive lies that you are a great nation, that your leaders spread amongst you to conceal from you the despicable state to which you have reached.
(b) It is saddening to tell you that you are the worst civilization witnessed by the history of mankind:
(i) You are the nation who, rather than ruling by the Shariah of Allah in its Constitution and Laws, choose to invent your own laws as you will and desire. You separate religion from your policies, contradicting the pure nature which affirms Absolute Authority to the Lord and your Creator. You flee from the embarrassing question posed to you: How is it possible for Allah the Almighty to create His creation, grant them power over all the creatures and land, grant them all the amenities of life, and then deny them that which they are most in need of: knowledge of the laws which govern their lives?
(ii) You are the nation that permits Usury, which has been forbidden by all the religions. Yet you build your economy and investments on Usury. As a result of this, in all its different forms and guises, the Jews have taken control of your economy, through which they have then taken control of your media, and now control all aspects of your life making you their servants and achieving their aims at your expense; precisely what Benjamin Franklin warned you against.
(iii) You are a nation that permits the production, trading and usage of intoxicants. You also permit drugs, and only forbid the trade of them, even though your nation is the largest consumer of them.
(iv) You are a nation that permits acts of immorality, and you consider them to be pillars of personal freedom. You have continued to sink down this abyss from level to level until incest has spread amongst you, in the face of which neither your sense of honour nor your laws object.
Who can forget your President Clinton's immoral acts committed in the official Oval office? After that you did not even bring him to account, other than that he 'made a mistake', after which everything passed with no punishment. Is there a worse kind of event for which your name will go down in history and remembered by nations?
(v) You are a nation that permits gambling in its all forms. The companies practice this as well, resulting in the investments becoming active and the criminals becoming rich.
(vi) You are a nation that exploits women like consumer products or advertising tools calling upon customers to purchase them. You use women to serve passengers, visitors, and strangers to increase your profit margins. You then rant that you support the liberation of women.
(vii) You are a nation that practices the trade of sex in all its forms, directly and indirectly. Giant corporations and establishments are established on this, under the name of art, entertainment, tourism and freedom, and other deceptive names you attribute to it.
(viii) And because of all this, you have been described in history as a nation that spreads diseases that were unknown to man in the past. Go ahead and boast to the nations of man, that you brought them AIDS as a Satanic American Invention.
(xi) You have destroyed nature with your industrial waste and gases more than any other nation in history. Despite this, you refuse to sign the Kyoto agreement so that you can secure the profit of your greedy companies and*industries.
(x) Your law is the law of the rich and wealthy people, who hold sway in their political parties, and fund their election campaigns with their gifts. Behind them stand the Jews, who control your policies, media and economy.
(xi) That which you are singled out for in the history of mankind, is that you have used your force to destroy mankind more than any other nation in history; not to defend principles and values, but to hasten to secure your interests and profits. You who dropped a nuclear bomb on Japan, even though Japan was ready to negotiate an end to the war. How many acts of oppression, tyranny and injustice have you carried out, O callers to freedom?
(xii) Let us not forget one of your major characteristics: your duality in both manners and values; your hypocrisy in manners and principles. All*manners, principles and values have two scales: one for you and one for the others.
(a)The freedom and democracy that you call to is for yourselves and for white race only; as for the rest of the world, you impose upon them your monstrous, destructive policies and Governments, which you call the 'American friends'. Yet you prevent them from establishing democracies. When the Islamic party in Algeria wanted to practice democracy and they won the election, you unleashed your agents in the Algerian army onto them, and to attack them with tanks and guns, to imprison them and torture them - a new lesson from the 'American book of democracy'!!!
(b)Your policy on prohibiting and forcibly removing weapons of mass destruction to ensure world peace: it only applies to those countries which you do not permit to possess such weapons. As for the countries you consent to, such as Israel, then they are allowed to keep and use such weapons to defend their security. Anyone else who you suspect might be manufacturing or keeping these kinds of weapons, you call them criminals and you take military action against them.
(c)You are the last ones to respect the resolutions and policies of International Law, yet you claim to want to selectively punish anyone else who does the same. Israel has for more than 50 years been pushing UN resolutions and rules against the wall with the full support of America.
(d)As for the war criminals which you censure and form criminal courts for - you shamelessly ask that your own are granted immunity!! However, history will not forget the war crimes that you committed against the Muslims and the rest of the world; those you have killed in Japan, Afghanistan, Somalia, Lebanon and Iraq will remain a shame that you will never be able to escape. It will suffice to remind you of your latest war crimes in Afghanistan, in which densely populated innocent civilian villages were destroyed, bombs were dropped on mosques causing the roof of the mosque to come crashing down on the heads of the Muslims praying inside. You are the ones who broke the agreement with the Mujahideen when they left Qunduz, bombing them in Jangi fort, and killing more than 1,000 of your prisoners through suffocation and thirst. Allah alone knows how many people have died by torture at the hands of you and your agents. Your planes remain in the Afghan skies, looking for anyone remotely suspicious.
(e)You have claimed to be the vanguards of Human Rights, and your Ministry of Foreign affairs issues annual reports containing statistics of those countries that violate any Human Rights. However, all these things vanished when the Mujahideen hit you, and you then implemented the methods of the same documented governments that you used to curse. In America, you captured thousands the Muslims and Arabs, took them into custody with neither reason, court trial, nor even disclosing their names. You issued newer, harsher laws.
What happens in Guatanamo is a historical embarrassment to America and its values, and it screams into your faces - you hypocrites, "What is the value of your signature on any agreement or treaty?"
(3) What we call you to thirdly is to take an honest stance with yourselves - and I doubt you will do so - to discover that you are a nation without principles or manners, and that the values and principles to you are something which you merely demand from others, not that which you yourself must adhere to.
(4) We also advise you to stop supporting Israel, and to end your support of the Indians in Kashmir, the Russians against the Chechens and to also cease supporting the Manila Government against the Muslims in Southern Philippines.
(5) We also advise you to pack your luggage and get out of our lands. We desire for your goodness, guidance, and righteousness, so do not force us to send you back as cargo in coffins.
(6) Sixthly, we call upon you to end your support of the corrupt leaders in our countries. Do not interfere in our politics and method of education. Leave us alone, or else expect us in New York and Washington.
(7) We also call you to deal with us and interact with us on the basis of mutual interests and benefits, rather than the policies of sub dual, theft and occupation, and not to continue your policy of supporting the Jews because this will result in more disasters for you.
If you fail to respond to all these conditions, then prepare for fight with the Islamic Nation. The Nation of Monotheism, that puts complete trust on Allah and fears none other than Him. The Nation which is addressed by its Quran with the words: "Do you fear them? Allah has more right that you should fear Him if you are believers. Fight against them so that Allah will punish them by your hands and disgrace them and give you victory over them and heal the breasts of believing people. And remove the anger of their (believers') hearts. Allah accepts the repentance of whom He wills. Allah is All-Knowing, All-Wise." [Quran9:13-1]
The Nation of honour and respect:
"But honour, power and glory belong to Allah, and to His Messenger (Muhammad- peace be upon him) and to the believers." [Quran 63:8]
"So do not become weak (against your enemy), nor be sad, and you will be*superior ( in victory )if you are indeed (true) believers" [Quran 3:139]
The Nation of Martyrdom; the Nation that desires death more than you desire life:
"Think not of those who are killed in the way of Allah as dead. Nay, they are alive with their Lord, and they are being provided for. They rejoice in what Allah has bestowed upon them from His bounty and rejoice for the sake of those who have not yet joined them, but are left behind (not yet martyred) that on them no fear shall come, nor shall they grieve. They rejoice in a grace and a bounty from Allah, and that Allah will not waste the reward of the believers." [Quran 3:169-171]
The Nation of victory and success that Allah has promised:
"It is He Who has sent His Messenger (Muhammad peace be upon him) with guidance and the religion of truth (Islam), to make it victorious over all other religions even though the Polytheists hate it." [Quran 61:9]
"Allah has decreed that 'Verily it is I and My Messengers who shall be victorious.' Verily Allah is All-Powerful, All-Mighty." [Quran 58:21]
The Islamic Nation that was able to dismiss and destroy the previous evil Empires like yourself; the Nation that rejects your attacks, wishes to remove your evils, and is prepared to fight you. You are well aware that the Islamic Nation, from the very core of its soul, despises your haughtiness and arrogance.
If the Americans refuse to listen to our advice and the goodness, guidance and righteousness that we call them to, then be aware that you will lose this Crusade Bush began, just like the other previous Crusades in which you were humiliated by the hands of the Mujahideen, fleeing to your home in great silence and disgrace. If the Americans do not respond, then their fate will be that of the Soviets who fled from Afghanistan to deal with their military defeat, political breakup, ideological downfall, and economic bankruptcy.
This is our message to the Americans, as an answer to theirs. Do they now know why we fight them and over which form of ignorance, by the permission of Allah, we shall be victorious?
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@ 05a0f81e:fc032124
2025-06-03 19:28:10What Are Rumors?
Rumors are pieces of information, stories, or claims that are circulated among people without confirmed evidence or verification. They often spread by word of mouth, social media, or other informal means and can be either true, partially true, or completely false.
Rumors can arise in various settings, schools, workplaces, communities, or online and may involve personal matters, celebrities, politics, or current events.
There are Characteristics of Rumors
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Lack of Verification: Rumors are not based on solid evidence or official sources.
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Rapid Spread: They often spread quickly, especially in emotionally charged environments.
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Distortion Over Time: As a rumor is retold, details may change, making it more misleading.
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Emotional Impact: They usually provoke strong reactions like fear, curiosity, or anger.
There are various disadvantages of Rumors
- Spread of False Information
Rumors can mislead people, creating confusion or panic, especially during crises.
Example: False health advice during a pandemic can endanger lives.
- Damage to Reputation
Individuals or organizations can suffer harm to their image or credibility.
Example: A student falsely accused of cheating might face social isolation or disciplinary action.
- Breakdown of Trust
Trust within families, workplaces, or communities can erode when rumors circulate.
People become suspicious and communication suffers.
- Emotional Harm
Rumors can lead to stress, anxiety, and depression, especially for those targeted.
In extreme cases, victims may experience bullying or harassment.
- Conflict and Division
Rumors often fuel misunderstandings, arguments, or even violence.
They can cause divisions along social, political, or cultural lines.
- Wasted Time and Resources
Authorities or organizations may have to spend time disproving rumors instead of focusing on important tasks.
Example: Law enforcement addressing false threats.
- Legal Consequences
In some cases, spreading harmful or defamatory rumors can lead to lawsuits or criminal charges.
Conclusion
While some rumors may seem harmless or even entertaining, their consequences can be severe. They thrive in environments lacking transparency and can damage individuals, relationships, and communities. It is always best to verify information from credible sources before sharing it and to promote honest, respectful communication.
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@ c9badfea:610f861a
2025-06-01 00:32:13- Install Feeder (it's free and open source)
- Discover RSS feeds from various sources (see links below)
- Copy the Feed URL
- Open Feeder, tap the ⁞ icon, and choose Add Feed
- Paste the Feed URL and tap Search
- Select the found RSS feed item
- Scroll down and tap OK
Some Sources
ℹ️ You can also use YouTube channel URLs as feeds
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@ e2c72a5a:bfacb2ee
2025-06-04 01:14:59The $100 million gamble that's turning crypto traders into unlikely heroes. James Wynn just placed his second massive Bitcoin bet after being liquidated days ago, and now claims market makers are deliberately targeting his position. With his liquidation level set at $103,630, Wynn has rallied the crypto community to his defense, receiving donations from 24 users totaling nearly $8,000. This David vs Goliath battle reveals how retail traders are banding together against what they perceive as market manipulation, creating a fascinating power shift in an industry where individual traders rarely had such collective influence. Will the community save Wynn from the "evil
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@ bf47c19e:c3d2573b
2025-06-03 19:10:37Originalni tekst na bitcoin-balkan.com
Bitcoinova potrošnja energije nije „rasipna“
– On je mnogo efikasniji od postojećih finansijskih sistema
– Niko nema moralni autoritet da vam kaže šta je dobra ili loša upotreba energije (npr: gledanje Parova, Zadruge ili Farme)
Hajde da raskrinkamo ovaj FUD (eng. Fear, Uncertainty and Doubt – Strah, Neizvesnost i Sumnju)
U ovom članku istražujem kako je sve oko nas energija, novac je energija, subjektivna upotreba energije i troškovi PoW-a (eng. Proof of work – Dokaz rada) u odnosu na postojeće sisteme upravljanja.
Ideja da je „rad“ energija, započela je kada je francuski matematičar Gaspard-Gustave de Coriolis predstavio ideju da je energija „odrađen rad“. Nekada davno, celokupan posao koji je odrađivan u ekonomiji realizovan je kroz ljuduski rad. Taj rad pokretala je hrana. Pre više hiljada godina, naša potrošnja energije se povećala kada smo pripitomili životinje koje bi mogle da rade umesto nas. Ti novi radnici takođe su morali da budu nahranjeni. Velike količine hrane bile su potrebne da bi se zadovoljile potrebe za energijom, a zajedno sa nama, povećavao se i naš prosperitet.
U poslednjih nekoliko stotina godina napravili smo sjajne mašine koje imaju svrhu izvršavanja tj. proizvodnje odredjenog rada. I mašine i priroda proizvode rad korišćenjem energije (prvi zakon termodinamike). Imamo ekonomiju koja se ne zasniva na novcu, već na radu i energiji.
Sve stvari u našem životu su usko povezane sa cenom energije. Troškovi bilo kog dobra su u velikoj meri odraz energije koja se koristi u proizvodnji tog dobra. Novac, koji predstavlja rad potreban za generisanje dobara i usluga, takođe se može posmatrati kao uskladištena energija.
Početkom 20. veka, ljudi su bili zainteresovani za zamenu zlata ili dolara sa „energetskim dolarom“ ili „jedinicama energije“. Koncept je bio popularan zbog svojih dobrih novčanih karakteristika. Mane? Nije se moglo lako preneti ili skladištiti.
„Da bi muškaraca/ženu naterao da poželi neku stvar, potrebno je samo učiniti stvar teškom za dobijanje.“ – Mark Twain Bitcoin-ov PoW je prvobitno izmišljen kao mera protiv spam email-ova. Tek nešto kasnije, Satoshi ga je prilagodio da se koristi u digitalnoj gotovini.
Ono što PoW rudarenje radi „ispod haube“ je upotreba namenskih mašina (ASIC-a) za pretvaranje električne energije u Bitcoin-e (putem blok nagrade). Bitcoin ima kapitalistički mehanizam glasanja, „rizikovan novac, dobijeni glasovi“ pomoću energije/ASIC-a koji se koriste za generisanje heš-ova (glasova).
Kada je Satoshi dizajnirao PoW, iz temelja je promenio način na koji se formira konsenzus između ljudi od političkih do apolitičnih glasova (heš-ova) pretvaranjem energije. To je najjednostavniji i najpravedniji način da fizički svet potvrdi nešto u digitalnom svetu.
Bitcoin je odlična roba, iskovana iz energije, osnovna roba univerzuma. PoW transformiše električnu energiju u digitalno zlato. Činjenica da je PoW „skup“ je odlika, a ne greška.
Istorijski gledano, obezbeđivanje nečega podrazumevalo je izgradnju fizičkog zida oko svega što je vredno. Knjiga Bitcoin-a je obezbeđena ukupnom sumom energije potrošene za izgradnju digitalnog zida. Bila bi potrebna ekvivalentna količina energije da bi se on srušio (nezaboravna skupoća) @NickSzabo4
„Potrošnja električne energije po transakciji“ je loš KPI, a evo i zašto:
– Potrošena energija je po bloku, a ne po transakciji
– Ekonomska gustina Bitcoin transakcije se povećava (Segwit, taproot, Lightning)
– Trebalo bi da bude definisano sigurnošću ekonomske istorije @LaurentMT . Stopa poboljšanja efikasnosti ASIC-a se usporava. Kako se efikasnost usporava, možemo očekivati porast konkurencije proizvođača kako se marže sužavaju. Sveukupni troškovi rudarenja preći će sa početnih troškova ASIC hardvera na tekuće troškove energije za ostvarivanje rada.
Cena rudarenja Bitcoin-a postaje najniža (višak) vrednost električne energije. Ovo može rešiti problem sa obnovljivim izvorima energije koji imaju predvidivi kapacitet i koji se ne iskorišćava u potpunosti, poput hidroelektrana i gorivog metana.
Aluminijum je bio popularno sredstvo za „izvoz“ električne energije iz zemlje koja obiluje neiskorišćenim obnovljivim izvorima energije (npr. Island). Kako je proizvodnja aluminijuma tokom decenija sazrevala, kWh po kilogramu proizvedenog aluminijuma postajao je efikasniji.
https://www1.eere.energy.gov/manufacturing/resources/aluminum/pdfs/al_theoretical.pdf
PoW je u krajnjem slučaju kupac celokupne električne energije, stvarajući temelj koji podstiče izgradnju novih postrojenja za proizvodnju energije oko različitih izvora energije koji bi inače ostali neiskorišćeni.
„Zamislite topografsku 3D mapu sveta sa žarištima jeftine energije koji su niži, a sa skupom energijom višlji. Zamišljam da je iskopavanje Bitcoin-a slično čaši vode koja se prelila, taložila se po uglovima i ćoškovima i glačala ih. “ – @nic__carter
„Energija koja se koristi za PoW prestaće da raste kada se granični povrat od sagorevanja kWh energije kroz PoW bude jednak graničnom povratu od prodaje tog kWh u mrežu … „ Nakamoto-va tačka“ koja će koristiti između 1-10% svetske energije.“ – @dhruvbansal
Neki se žale da rudarenje Bitcoin-a ne postiže „ništa korisno“, poput pronalaženja prostih brojeva. Bitcoin već radi nešto korisno za društvo. Nije racionalno tražiti od rudara da obavljaju funkciju koja je nesebična bez podsticaja.
Sve zahteva energiju. Tvrdnja da je jedna upotreba energije više ili manje rasipna od druge, potpuno je subjektivna, jer su sve upotrebe plaćene tržišnom stopom za korišćenje te električne energije.
Bitcoin-ova upotreba električnog kapaciteta troši manje količine električne energije od postojećih tradicionalnih sistema koji ne zahtevaju samo napajanje bankarske infrastrukture, već i vojnu i političku mašinu. Kompromis energije je „neto pozitivan“ ishod.
Preko Bitcoin-a, da li je nepoverljivo poravnanje od 1,34T USD između ugovornih strana godišnje, uz dodatni benefit jeftinije energije za sve, vredno 4,5B USD u trenutnim troškovima rudarenja? Mislim da je odgovor odlučno da.
1/ Bitcoin’s energy consumption is not “wasteful.”
— Dan Held (@danheld) January 18, 2021
- It is much more efficient than existing financial systems
- No one has the moral authority to tell you what is a good or bad use of energy (ex: watching the Kardashians)
Let's debunk this FUD👇 -
@ 0970cf17:135aa040
2025-05-31 18:32:00{"pattern":{"kick":[true,false,true,false,true,false,true,false,true,false,true,false,true,false,true,false],"snare":[false,true,false,true,false,true,false,true,false,true,false,true,false,true,false,true],"hihat":[true,false,true,true,false,false,true,true,false,false,true,true,false,false,true,true],"openhat":[true,false,false,true,false,false,false,false,true,false,false,true,false,false,true,false],"crash":[false,false,true,false,false,false,true,false,false,false,false,true,false,false,true,false],"ride":[false,false,true,false,false,false,false,true,false,false,false,true,false,false,true,false],"tom1":[false,true,false,false,true,false,false,true,false,false,true,false,true,false,true,false],"tom2":[true,false,false,false,true,false,false,false,false,true,false,true,false,false,true,false]},"bpm":220,"swing":0,"timeSignature":"4/4","drumKit":"standard","timestamp":1748716320785}
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@ 90c656ff:9383fd4e
2025-05-31 18:09:27Since its emergence in 2009, Bitcoin has generated a wide range of success and failure stories. Some of these stories feature people who invested early and reaped the rewards of their foresight, while others highlight the ups and downs that define Bitcoin’s highly volatile market. Over the years, many of these cases have become iconic—serving as both inspiration and cautionary tales for newcomers.
Success stories
01 - Laszlo Hanyecz – The 10,000 Bitcoin Pizza
One of the most legendary stories in Bitcoin’s history involves Laszlo Hanyecz, a programmer from Florida. In 2010, he paid 10,000 bitcoins for two pizzas. At the time, the value was negligible, and the transaction went largely unnoticed. In retrospect, however, those 10,000 bitcoins would be worth hundreds of millions of dollars today.
Though Hanyecz didn’t become rich from this transaction, the story of the “10,000 bitcoin pizza” has become a symbol of Bitcoin’s extraordinary rise in value—and a reminder of how even small holdings in the early days could have been life-changing.
02 - Michael Saylor and MicroStrategy
Michael Saylor, CEO of MicroStrategy, made headlines in 2020 by transforming his company into the first major corporation to invest heavily in Bitcoin. Purchasing over 100,000 bitcoins as a treasury reserve, Saylor positioned Bitcoin as a strategic hedge against inflation and fiat currency devaluation.
Initially met with skepticism, Saylor’s decision turned out to be highly profitable as Bitcoin’s price soared. His bold move inspired other corporations and institutional investors to consider Bitcoin, and he remains one of the cryptocurrency’s most vocal advocates in the business world.
Failure Stories
01 - James Howells – The Lost 8,000 Bitcoins
James Howells, an IT professional from Wales, accidentally discarded a hard drive in 2013 containing the private keys to 8,000 mined bitcoins—worth only a few thousand pounds at the time. As Bitcoin's value skyrocketed, he attempted to recover the drive from a landfill, but was denied permission by local authorities.
This story has become a powerful lesson in crypto security and the consequences of lost private keys. Despite multiple campaigns to dig up the landfill, the bitcoins remain unrecovered.
02 - Mt. Gox Collapse – The Fall of a Giant
At its peak, Mt. Gox was the largest Bitcoin exchange in the world. In 2014, it collapsed after losing about 850,000 bitcoins—worth over $450 million at the time—due to hacking, internal security failures, and poor management.
The exchange’s failure devastated thousands of investors and highlighted the vulnerabilities in early crypto infrastructure. Though some funds were later recovered, the Mt. Gox disaster remains one of Bitcoin’s darkest moments and a turning point for the push toward greater security and transparency in the crypto industry.
- The impact of volatility and adoption
These stories reflect the unpredictable and high-risk nature of the Bitcoin market. The same volatility that has made millionaires has also led to substantial losses. While some view Bitcoin as a path to financial freedom and a hedge against inflation, others have suffered from poor planning, mismanagement, or unfortunate timing.
Bitcoin’s growing adoption, especially in emerging markets and among institutional players and shows its increasing legitimacy, as an alternative to traditional finance. However, exchange failures and lost fortunes underscore the need for robust infrastructure, personal responsibility, and long-term thinking.
In summary, success and failure are two sides of the same coin in the world of Bitcoin. From life-changing gains to heartbreaking losses, these stories illustrate the risks and rewards of participating in a young and volatile market. Whether as a cautionary tale or a source of inspiration, they emphasize the importance of education, security, and strategy for anyone engaging with this revolutionary form of money.
Thank you very much for reading this far. I hope everything is well with you, and sending a big hug from your favorite Bitcoiner maximalist from Madeira. Long live freedom!
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@ 9ca447d2:fbf5a36d
2025-06-03 19:02:36Wall Street is warming up to Bitcoin and getting closer and closer to it.
Cantor Fitzgerald, one of the oldest and most respected investment banks on Wall Street, has launched a $2 billion bitcoin-backed lending program.
They’ve reportedly already done their first deals, lending to two big digital asset companies: FalconX and Maple Finance.
This is a big step in connecting traditional finance to the fast-moving world of Bitcoin.
Cantor’s new service allows big investors, hedge funds and asset managers, to borrow money using bitcoin as collateral.
This is a game changer for institutions that hold bitcoin, as they can now access liquidity without having to sell their assets.
“Institutions holding bitcoin are looking to broaden their access to diverse funding sources,” said Christian Wall, co-CEO and global head of fixed income at Cantor Fitzgerald.
“And we are excited to support their liquidity needs to help them drive long term growth and success.”
The loans are not speculative or unsecured.
They are structured like traditional finance deals, backed by the borrower’s bitcoin. This reduces the risk for Cantor while giving bitcoin-holding companies new ways to grow and operate.
The first recipients of Cantor’s lending program are FalconX, a digital asset brokerage, and Maple Finance, a blockchain-based lending platform.
FalconX confirmed they secured a credit facility of over $100 million. Maple Finance also received the first tranche of their loan from Cantor.
This comes at a time when the bitcoin lending space is recovering after a tough period. Several big firms went under in 2022 and investor confidence was shaken.
Now with traditional finance on board, bitcoin-backed lending has returned. According to Galaxy Research the total size of the digital asset lending market grew to $36.5 billion in Q4 2024.
Cantor’s move into bitcoin-backed lending isn’t new. They announced their plans in July 2024 and have been building their presence in the Bitcoin space since then.
Earlier this year, they partnered with Tether, SoftBank and Bitfinex to launch Twenty One Capital, a $3.6 billion fund to buy over 42,000 bitcoin.
In May 2025 Cantor Equity Partners merged with Twenty One Capital and bought nearly $459 million worth of bitcoin.
They also own around $1.9 billion in shares of Strategy, a company that holds a lot of bitcoin. Clearly Cantor believes in bitcoin as a long-term asset.
Cantor is also a big player in the stablecoin space.
They manage U.S. Treasury reserves for Tether, the company behind the $142 billion USDT stablecoin. This adds another layer of trust and credibility to Cantor’s digital asset involvement.
To secure the bitcoin used as collateral, Cantor has partnered with digital asset custodians Anchorage Digital and Copper.co.
These companies are known for their robust security and institutional-grade infrastructure. Cantor hasn’t disclosed loan terms or interest rates but confirmed the lending will follow current regulations.
This also shows how traditional financial players are embracing DeFi.
Maple Finance for example allows undercollateralized lending using blockchain. By backing companies like Maple, Cantor is innovating while still having control and compliance.
For years, bitcoin-backed loans were only available through digital-asset-native companies like Genesis, BlockFi, and Ledn.
These loans were mostly for smaller clients and retail investors. But with Cantor’s entry, the scale and professionalism of bitcoin lending are expanding.
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@ e2c72a5a:bfacb2ee
2025-06-04 00:26:26When a trader bets $100M on Bitcoin, the market becomes the hunter. James Wynn placed his second massive leveraged position after being liquidated days earlier, claiming market makers are deliberately targeting his $103,640 liquidation level. The crypto community rallied behind him, donating thousands in stablecoins to help "fight the market-making cabal." Meanwhile, Trump's media company seeks SEC approval for a Truth Social Bitcoin ETF, joining the growing trend of corporate Bitcoin treasuries. Tether moved $3.9B in Bitcoin to Twenty One Capital, making it the third-largest corporate holder. Are you watching these high-stakes crypto battles unfold, or participating in them yourself?
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@ cae03c48:2a7d6671
2025-06-03 19:02:12Bitcoin Magazine
Sberbank, Russia’s Biggest Bank, Launches Structured Bond Tied to BitcoinSberbank, the largest bank in Russia, has launched a new structured bond that ties investor returns to the performance of Bitcoin and the U.S. dollar-to-ruble exchange rate. This new financial product represents one of the first moves by a major Russian institution to offer Bitcoin-linked investments under recently updated national regulations.
BREAKING:
Russia's largest bank Sberbank launches structured bonds linked to Bitcoin. pic.twitter.com/LtD26jPS0x
— Bitcoin Magazine (@BitcoinMagazine) June 2, 2025
The structured bond is initially available over the counter to a limited group of qualified investors. According to the announcement, it allows investors to earn based on two factors: the price performance of BTC in U.S. dollars and any strengthening of the dollar compared to the Russian ruble.
Unlike typical Bitcoin investments, this product does not require the use of a Bitcoin wallet or foreign platforms. “All transactions [are] processed in rubles within Russia’s legal and infrastructure systems,” Sberbank stated, highlighting compliance with domestic financial protocols.
In addition to the bond, Sberbank has announced plans to launch similar structured investment products with Bitcoin exposure on the Moscow Exchange. The bank also revealed it will introduce a Bitcoin futures product via its SberInvestments platform on June 4, aligning with the product’s debut on the Moscow Exchange.
These developments follow a recent policy change by the Bank of Russia, which now permits financial institutions to offer Bitcoin-linked instruments to qualified investors. This shift opens the door for Bitcoin within the country’s traditional financial markets.
While Russia has previously taken a cautious approach to digital assets, Sberbank’s launch of a Bitcoin-linked bond and upcoming futures product marks a new phase of adoption—one that blends Bitcoin exposure with existing financial infrastructure.
The bank’s structured bond may signal a growing interest in regulated access to Bitcoin, especially within large financial institutions.
This post Sberbank, Russia’s Biggest Bank, Launches Structured Bond Tied to Bitcoin first appeared on Bitcoin Magazine and is written by Jenna Montgomery.
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@ e0e92e54:d630dfaa
2025-06-03 19:01:32As some of you know, I lead a quarterly Bible Study through Faith Driven Investor
One of the members from the cohort that just ended forwarded me an email from the US Christian Chamber of Commerce
The summary is: Christians should intentionally be doing more business with Christians.
[Full email at the bottom of this Article]
I recanted to my FDI member about a book I read a few years ago, Thou Shall Prosper, by Rabbi Daniel Lapin.
In it he gave the statistics that a single dollar recirculates in the Jewish community 12 times, Muslims 8 times, and Christians only 3 or 4 times.
(I'm probably slightly off on recalling the stats)
But the point being that as a people group, Jews are 4x more wealthy than Christians because Christians value doing business with one another 4 times less than Jews...or said another way, the Jewish people value doing business with one another 4x more than Christians.
Reading the email I was sent, I was further reminded as business owners, leaders, and investors;
If we are truly going to steward that which God has entrusted to us, we should want to re-circulate those resources as many times as possible within the Christian community in order to have the greatest probability of return on image bearers.
What are your thoughts?
I Bought a House Through the Christian Chamber - What happened next surprised me
My husband and I just bought a house—but it wasn’t just a transaction. It was a transformation.
With our daughter’s high school graduation behind us, we felt ready to step into a long-held dream: moving to a beach town we’ve thought, talked, and prayed about for years. As part of turning our dream into a reality, we made a very intentional decision:
We would buy our home entirely through the Christian Chamber community.
We wanted to walk the talk—to model what Kingdom commerce really looks like. So we sought Christian-led businesses for every part of the process. What started as a symbolic gesture quickly became a profound experience with two life-changing revelations:
1) The Power of Prayer in Business
Yes, we prayed as a couple—but imagine your Realtor, lender, inspector, and insurance agent all praying with you, too.
We’re not talking about just being “nice people” or listening to worship in the office. We’re talking about Spirit-filled, Jesus-following believers who brought prayer into every decision.
· Our Realtor is also a church planter—her discernment helped us find the perfect house on day one.
· Our lender joined us in prayer—and worked miracles to make the deal smooth and abundantly possible.
· Our inspector's biggest red flag? A bird’s nest in a porch light. (Yes, really.)
· Our insurance agent handled everything—and in Florida, that’s no small feat.
I have bought and sold seven homes in my life, but this was the best experience by far. The layout, the location, the timing, the favor—it was all wrapped in prayer and covered in grace. It wasn’t just business. It was supernatural.
2) Kingdom ROI — A Multiplied Impact
By doing business with Christians, we didn’t just find great service. We created a multiplied Kingdom return.
We know where our vendors give. We know the churches they support, the ministries they fund, and the people they serve.
When they earned from our purchase, those dollars didn’t disappear—they were reinvested into Kingdom causes we could never reach on our own.
This is Kingdom ROI.
It’s a real-life example of the parable of the talents—we didn’t bury our resources. We multiplied them. When you spend money with aligned believers, your impact compounds.
The opposite is also true:
When we spend with businesses that oppose our values, we’re funding platforms that erode the very things we’re trying to protect—our families, our freedoms, and our faith.
We MUST STOP funding the enemy.
The Bigger Picture
Let’s be clear: Studies show that Christians make up 31% of the world’s population, but we control 55% of the world’s wealth—more than $107 trillion in personal assets.
And yet…we’re leaking that wealth into systems that are actively working against us.
Why? Because we do not have the infrastructure to keep it aligned.
Until now.
That’s what we’re building through the U.S. Christian Chamber of Commerce: A national infrastructure that empowers Christians to redirect their dollars, align their values, and multiply their impact.
What If You Did the Same?
· Buy your next product or service from a Christian-led business.
· Hire your next contractor from your local Christian Chamber.
· Invest in a company with eternal impact.
· Launch a Christian Chamber in your region—we’ll help you.
· Join the U.S. Christian Chamber. This is your Chamber, for your nation.
· Meet us in Orlando for SWC 2026, the global gathering of Christian commerce.
Imagine the multiplying power if thousands of us made similar decisions—every day—across this nation.
We own the wealth. Now let’s build the infrastructure, create the ecosystem, and shift the world's wealth one transaction at a time.
This is our nation and we are One Nation Under God!
Jason Ansley is the founder of Above The Line Leader, where he provides tailored leadership support and operational expertise to help business owners, entrepreneurs, and leaders thrive— without sacrificing your faith, family, or future.
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Want to strengthen your leadership and enhance operational excellence? Connect with Jason at https://abovethelineleader.com/#your-leadership-journey
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📌 This article first appeared on NOSTR. You can also find more Business Leadership Articles and content at: 👉 https://abovethelineleader.com/business-leadership-articles
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@ 90c656ff:9383fd4e
2025-05-31 17:54:42Since its creation, Bitcoin has been one of the most hotly debated assets in the financial world—both by passionate supporters and skeptics. Its extreme volatility and the impact it has had on the traditional financial system have made it a constant subject of speculation. Over time, Bitcoin’s adoption has grown, sparking ongoing discussions about its future—both in terms of price and integration into the global financial system. In this context, multiple scenarios have been proposed, ranging from optimistic to cautious, depending on factors like regulation, institutional adoption, and technological innovation.
Bitcoin’s price: forecasts and influencing factors
01 - Institutional Adoption: The growing use of Bitcoin by major companies and institutional investors has been seen as a bullish driver. Companies like Tesla, MicroStrategy, and Square have added Bitcoin to their balance sheets, boosting confidence in it as a store of value. As more businesses follow suit, demand for Bitcoin could increase, pushing the price upward.
02 - Government Regulation: How governments respond to Bitcoin is one of the biggest sources of uncertainty. Heavy-handed regulation could restrict access and dampen interest, while a more favorable approach could boost adoption and support price growth. Countries like El Salvador have shown positive trends by adopting Bitcoin as legal tender, though in many others, regulation remains a significant challenge.
03 - Limited Supply: With a maximum supply of 21 million coins, Bitcoin is immune to inflationary money printing. This scarcity makes it especially attractive as a store of value, particularly during times of global economic uncertainty, potentially supporting long-term price appreciation.
04 - Technology and Scalability: Innovations like the Lightning Network and Taproot, aimed at improving scalability and transaction efficiency, could help increase Bitcoin's utility—making it more accessible for daily use and positively impacting its market value.
Global adoption of Bitcoin: The path toward financial inclusion
Bitcoin adoption is rising globally, especially in regions where traditional financial systems are inefficient or inaccessible. Countries facing economic instability, such as those plagued by high inflation or currency crises, are increasingly viewing Bitcoin as a viable alternative. Financial inclusion is a key driver of this adoption, as Bitcoin offers financial services to people excluded from the traditional banking sector.
01 - Emerging Markets: In countries like Brazil, Argentina, Nigeria, and others, demand for Bitcoin has grown as people seek to protect their assets from the devaluation of local currencies. In these regions, Bitcoin functions as both a store of value and a medium of exchange free from central authority control.
02 - Adoption by Governments and Businesses: As more companies and even governments embrace Bitcoin, its integration into the global economy could accelerate. El Salvador, for example, has shown it’s possible to adopt Bitcoin as an official currency, while more businesses are accepting it as a payment method—further legitimizing its role in global commerce.
03 - Education and Accessibility: As more people understand how Bitcoin works and appreciate its advantages—such as security, privacy, and financial freedom—adoption is likely to grow. Easier-to-use exchanges and improved wallet interfaces are making it simpler for everyday users to access and use Bitcoin.
Future scenarios: Optimism or caution?
Bitcoin's future remains uncertain, but several possible outcomes are taking shape. The optimistic scenario foresees greater price appreciation and widespread global adoption, driven by technological innovation, increased institutional trust, and the search for a decentralized alternative to the traditional financial system. In this case, Bitcoin could become a widely accepted form of payment and a global store of value, with prices reaching new all-time highs.
On the other hand, the more cautious scenario suggests that obstacles like government regulation, competition from other digital currencies, and potential technical shortcomings could prevent Bitcoin from becoming central to the financial system. Furthermore, price volatility could deter those seeking stability and security.
In summary, predictions about Bitcoin’s price and global adoption are undeniably complex and influenced by a wide range of factors. Bitcoin’s future will depend on how society, governments, and businesses respond to this new form of money. While the potential for appreciation is significant, the risks and volatility involved cannot be ignored. As global adoption increases and technology continues to evolve, it will be essential to closely monitor the developments shaping Bitcoin’s role in the global financial landscape.
Thank you very much for reading this far. I hope everything is well with you, and sending a big hug from your favorite Bitcoiner maximalist from Madeira. Long live freedom!
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@ cae03c48:2a7d6671
2025-06-03 19:02:02Bitcoin Magazine
Metaplanet Acquires 1,088 More Bitcoin, Bringing Total Holdings to 8,888 BTCMetaplanet, Japan’s leading Bitcoin treasury firm, has purchased an additional 1,088 Bitcoin for approximately ¥16.89 billion at an average price of ¥15,519,019 per BTC. This acquisition raises the company’s total Bitcoin holdings to 8,888 BTC, with a cumulative purchase cost of ¥122.27 billion at an average price of ¥13,756,658 per BTC.
The company continues to report gains under its BTC Yield metric, a proprietary KPI that measures Bitcoin accumulation per share. Quarter-to-date (QTD), as of June 2, 2025, Metaplanet’s BTC Yield stands at 66.3%, following previous QTD yields of 95.6%, 309.8%, and 41.7% over the last three quarters. Total BTC Gain for Q2 2025 is 2,684 BTC, translating to a ¥40.54 billion gain based on a reference Bitcoin price of ¥15.10 million.
*Metaplanet Acquires Additional 1,088 $BTC, Total Holdings Reach 8,888 BTC* pic.twitter.com/X2clAIKNbR
— Metaplanet Inc. (@Metaplanet_JP) June 2, 2025
Metaplanet’s capital markets activity has been tightly aligned with its Bitcoin accumulation strategy. Since January 28, 2025, the company executed a series of zero-coupon, non-interest-bearing bond issuances and 0% discount stock acquisition rights to EVO FUND, raising over ¥35 billion and USD 121 million. These funds were used for Bitcoin purchases and bond redemptions.
— Dylan LeClair (@DylanLeClair_) June 2, 2025
In Q1 FY2025, Metaplanet reported its strongest financial results yet. Revenue increased 8% quarter-over-quarter to ¥877 million, while operating profit rose 11% to ¥593 million. Net income surged to ¥5.0 billion, complemented by unrealized gains of ¥13.5 billion from its Bitcoin holdings, further strengthening the company’s balance sheet.
Although Bitcoin prices dipped briefly at the end of March, causing a ¥7.4 billion valuation loss, Metaplanet swiftly recovered as BTC surged to new record levels. This strong connection with Bitcoin’s performance has led many investors to use Metaplanet as an investment vehicle to get Bitcoin exposure on the Tokyo Stock Exchange.
At the same time, Strategy acquired another 705 Bitcoin for about $75 million, further expanding its position as the largest corporate holder of Bitcoin as more public companies continue to adopt Bitcoin treasury strategies.
BREAKING:
STRATEGY BUYS ANOTHER 705 #BITCOIN FOR $75 MILLION pic.twitter.com/WBgKUcbbEP
— Bitcoin Magazine (@BitcoinMagazine) June 2, 2025
According to their SEC filing on June 2, they bought Bitcoin at an average price of $106,495 each between May 26 and June 1, bringing their total holdings to 580,955 BTC. The acquisition was funded by selling some of their preferred shares through an at-the-market (ATM) equity offering.
This post Metaplanet Acquires 1,088 More Bitcoin, Bringing Total Holdings to 8,888 BTC first appeared on Bitcoin Magazine and is written by Oscar Zarraga Perez.
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@ 90c656ff:9383fd4e
2025-05-31 17:49:25With the growing digitalization of money, governments around the world have begun developing Central Bank Digital Currencies (CBDCs) in response to the rising popularity of Bitcoin. While Bitcoin represents a decentralized and censorship-resistant financial system, CBDCs are digital versions of fiat currencies, directly controlled by central banks. This emerging competition could shape the future of money and define the balance between financial freedom and state control.
Key differences between Bitcoin and CBDCs
Bitcoin and CBDCs differ in nearly every fundamental aspect:
01 - Centralization vs Decentralization: Bitcoin operates on a decentralized network where no government or entity can change the rules or censor transactions. CBDCs, on the other hand, are issued and managed by central banks, enabling greater control over the circulation and use of money.
02 - Fixed Supply vs Controlled Inflation: Bitcoin has a fixed supply of 21 million units, making it a scarce and deflationary asset. CBDCs can be issued without limits, much like traditional fiat currencies, and are subject to inflationary monetary policies.
03 - Privacy vs Surveillance: Bitcoin allows pseudonymous transactions, ensuring a certain degree of financial privacy. CBDCs may be designed to track every transaction, enabling full governmental oversight—and potentially, control over how citizens spend their money.
04 - Censorship Resistance vs State Control: Bitcoin enables anyone to transact without needing third-party approval. CBDCs, being centralized, could be used by governments to restrict undesirable transactions or even freeze funds at the press of a button.
What are governments aiming for with CBDCs?
The introduction of CBDCs is often promoted with benefits such as:
01 - Greater efficiency in financial transactions by removing intermediaries and reducing banking costs.
02 - Easier implementation of economic policies, such as direct stimulus payments or automated taxation.
03 - Enhanced ability to combat illegal activities through real-time transaction tracking.
However, these justifications raise serious concerns about the erosion of financial privacy and the expansion of government power over the monetary system.
Bitcoin as an alternative to CBDCs
The rise of CBDCs may, in fact, reinforce Bitcoin’s position as the true alternative to state-controlled money. As citizens become aware of the risks associated with a fully centralized financial system, demand for a decentralized, censorship-resistant asset like Bitcoin may increase.
01 - Protection from state control: Bitcoin empowers users with full sovereignty over their money, free from arbitrary freezes or confiscations.
02 - Preservation of financial privacy: Unlike CBDCs, which may monitor every transaction, Bitcoin offers a level of anonymity that shields individuals from excessive surveillance.
03 - Store of value against inflation: While governments can endlessly issue CBDCs, Bitcoin’s guaranteed scarcity positions it as a hedge against irresponsible monetary policy.
In summary, the competition between Bitcoin and CBDCs is set to become one of the defining financial battles of the future. As governments seek to reinforce their control through centralized digital currencies, Bitcoin remains the leading option for those who value financial independence and protection from state surveillance. The choice between a free, decentralized financial system and a monitored, government-controlled one may determine the course of the digital economy for decades to come.
Thank you very much for reading this far. I hope everything is well with you, and sending a big hug from your favorite Bitcoiner maximalist from Madeira. Long live freedom!
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@ 2dd9250b:6e928072
2025-05-31 16:23:22Durante a década de 1990, houve o aumento da globalização da economia, determinando a adição do fluxo internacional de capitais, de produtos e serviços. Este fenômeno levou a uma interdependência maior entre as economias dos países. Justamente por causa da possibilidade de que um eventual colapso econômico em um país resulte no contágio dos demais. Diante disso, aumentou a preocupação com os riscos incentivando a utilização de sofisticados modelos e estratégias de avaliação de gestão de risco.
Na década, ganharam destaque ainda os graves problemas financeiros enfrentados, entre outros, pelo banco inglês Barings Bank, e pelo fundo de investimento norte-americano Long Term Capital Management.
Outro grande destaque foi a fraude superior a US$ 7 bilhões sofrida pelo banco Société Generale em Janeiro de 2008.
O Barings Bank é um banco inglês que faliu em 1995 em razão de operações financeiras irregulares e mal-sucedidas realizadas pelo seu principal operador de mercado. O rombo da instituição foi superior à US$ 1,3 Bilhão e causado por uma aposta equivocada no desempenho futuro no índice de ações no Japão. Na realidade, o mercado acionário japonês caiu mais de 15% na época, determinando a falência do banco. O Baring Bank foi vendido a um grupo financeiro holandês (ING) pelo valor simbólico de uma libra esterlina.
O Long Term Capital Management era um fundo de investimento de que perdeu em 1998 mais de US$ 4,6 bilhões em operações nos mercados financeiros internacionais. O LTCM foi socorrido pelo Banco Central dos Estados Unidos (Federal Reserve ), que coordenou uma operação de socorro financeiro à instituição. A justificativa do Banco Central para esta decisão era "o receio das possíveis consequências mundiais da falência do fundo de investimento".
O banco francês Société Generale informou, em janeiro de 2008, uma perda de US$ 7,16 bilhões determinadas por fraudes efetuadas por um operador do mercado financeiro. Segundo revelou a instituição, o operador assumiu posições no mercado sem o conhecimento da direção do banco. A instituição teve que recorrer a uma urgente captação de recursos no mercado próxima a US$ 5,0 bilhões.
E finalmente chegamos ao caso mais problemático da era das finanças modernas anterior ao Bitcoin, o caso Lehman Brothers.
O Lehman Brothers era o 4° maior de investimentos dos EUA quando pediu concordata em 15/09/2008 com dívidas que superavam inacreditáveis US$ 600 bilhões.
Não se tinha contas correntes ou talão de cheques do Lehman Brothers. Era um banco especializado em investimentos e complexas operações financeiras. Havia feito pesados investimentos em empréstimos a juros fixos no famigerado mercado subprime, e o crédito imobiliário voltado a pessoas consideradas de forte risco de inadimplência.
Com essa carteira de investimentos que valia bem menos que o estimado e o acúmulo de projetos financeiros, minou a confiança dos investidores na instituição de 158 anos. Suas ações passaram de US$ 80 a menos de US$ 4. Acumulando fracassos nas negociações para levantar fundos; a instituição de cerca de 25 mil funcionários entrou em concordata.
O Federal Reserve resgatou algumas instituições financeiras grandes e tradicionais norte-americanas como a seguradora AIG no meio da crise. O Fed injetou um capital de US$ 182, 3 bilhões no American International Group (AIG).
Foi exatamente essa decisão do Fed em salvar alguns bancos e deixar quebrar outros, que causou insegurança por parte dos clientes. E os clientes ficaram insatisfeitos tanto com os bancos de investimentos quanto com as agências de classificação de risco, como a Standard & Poor's que tinha dado uma nota alta para o Lehman Brothers no mesmo dia em que ele quebrou.
E essa foi uma das razões pelo qual o Bitcoin foi criado. Satoshi Nakamoto entendeu que as pessoas não estavam mais confiando nem no Governo, nem nos Bancos Privados que o Governo federal restagatava quando eles quebravam e isso prejudicou muita gente. Tanto que o “hash” do Genesis Block contém o título do artigo “Chancellor on brink of second bailout for banks” (Chanceler à beira de segundo resgate para bancos, em português) da edição britânica do The Times.
Esse texto foi parcialmente editado do texto de ASSAF Neto, CAF (2014).
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@ cae03c48:2a7d6671
2025-06-03 19:01:54Bitcoin Magazine
NBX Acquires Bitcoin, Becomes First Public Bitcoin Treasury Company in NorwayNorwegian Block Exchange (NBX), a leading Nordic cryptocurrency exchange and digital asset platform, announced that it has added Bitcoin to its balance sheet, marking a national milestone as the first publicly listed company in Norway to hold Bitcoin as part of its treasury strategy.
JUST IN:
Norwegian Block Exchange becomes the first publicly traded #Bitcoin treasury company in the country
pic.twitter.com/kY9KK2VbFi
— Bitcoin Magazine (@BitcoinMagazine) June 2, 2025
The company has secured 6.0 Bitcoin and plans to increase its holdings to 10.0 within June. The assets, loaned from NBX’s largest shareholders, will be used as collateral to issue USDM, a MiCA-compliant stablecoin. NBX said it aims to generate yield through Bitcoin and the USDM ecosystems.
“NBX will not sell this Bitcoin or go short in any form,” the company said. “With reference to the latest POA notice with LDA capital, NBX will also use proceeds to buy additional Bitcoin.”
NBX is currently talking with HNIs, family offices, and others about raising more capital to buy additional Bitcoin. The company is also hosting a Bitcoin treasury event on June 11.
“Bitcoin is becoming an important part of the global financial infrastructure,” the company stated in the announcement. “The Bitcoin will increase operational efficiency, in addition to attracting capital that need exposure to Bitcoin yet only have a mandate to invest in Norwegian publicly listed companies.”
The adoption of Bitcoin as a treasury reserve asset has dramatically increased over the course of the last year, expanding globally. To date, there are 214 companies and other entities with Bitcoin in their balance sheets.
Méliuz, Brazilian fintech company, also recently announced on May 15th, that it purchased an additional R$160.8 million (approx. $30.5 million) worth of Bitcoin, adding 274.5 BTC at an average price of $103,600 each, after becoming the first Bitcoin treasury company in Brazil earlier this year. Combined with its initial R$24 million investment two months ago, Méliuz now holds 320 BTC, making it the 42nd largest corporate holder of Bitcoin globally.
JUST IN:
Brazilian public company Méliuz becomes first Bitcoin Treasury Company in the country, buys $28.4 million #Bitcoin pic.twitter.com/6WnFqefy3L
— Bitcoin Magazine (@BitcoinMagazine) May 15, 2025
Méliuz Founder and Chairman Israel Salmen noted that the move attracted a new wave of crypto-focused investors. In his words, translated from Portuguese, “a lot of new people started buying the stock because of this strategy. We caught the attention of the crypto crowd, which is a much larger audience than stock market investors. There are around 20 million people investing in crypto today and only about 5 million in the stock market.”
The investment, approved by Méliuz’s board, is part of a new treasury management policy focused on long-term returns. The company also formed a Bitcoin Strategic Committee to explore expanding the allocation and potentially making Bitcoin a primary treasury asset.
Salmen told local media the move into bitcoin provides an “intelligent alternative” to holding cash reserves. “We see bitcoin as a long-term store of value,” he said. The company, which offers cashback and financial services to over 30 million users in Brazil, is aiming to revive investor interest after its market cap dropped from $6 billion in 2021 to $270 million.
This post NBX Acquires Bitcoin, Becomes First Public Bitcoin Treasury Company in Norway first appeared on Bitcoin Magazine and is written by Oscar Zarraga Perez.
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@ cae03c48:2a7d6671
2025-06-03 19:01:43Bitcoin Magazine
Reitar Logtech Announces $1.5 Billion Bitcoin Acquisition PlanReitar Logtech Holdings Ltd., a Hong Kong-based firm operating in real estate and logistics technology, has officially announced plans to purchase up to $1.5 billion worth of Bitcoin. The move was disclosed in a June 2 filing with the U.S. Securities and Exchange Commission (SEC).
NEW:
Hong Kong-based Reitar Logtech announces they will buy $1.5 billion #Bitcoin for their reserves — SEC filing pic.twitter.com/viC0kUycNo
— Bitcoin Magazine (@BitcoinMagazine) June 2, 2025
According to the filing, the strategic Bitcoin acquisition is intended to bolster Reitar’s treasury reserves while accelerating the company’s global expansion in logistics technology infrastructure. The announcement aligns Reitar Logtech with a growing number of international firms turning to Bitcoin as a reserve asset.
By incorporating Bitcoin into its financial strategy, Reitar Logtech aims to grow its holdings beyond traditional fiat currencies and fixed-income products. By adopting a strategic BTC reserve, the company aims to benefit from Bitcoin’s liquidity, 24/7 markets, and hedge against long-term inflation and currency devaluation.
The SEC filing describes the initiative as follows, “Reitar Logtech Holdings Ltd. Announces Up to US$1.5 Billion Strategic Bitcoin (BTC) Acquisition to Bolster Treasury Reserves and Accelerate Global Logistics Technology Expansion.”
The filing was signed by Kin Chung Chan, Reitar Logtech’s Director, Chairman, and Chief Executive Officer, who affirmed that the filing was submitted in accordance with the Securities Exchange Act of 1934.
While specific timing for the acquisition has not been disclosed, analysts believe such a large-scale buy could be done in phases to manage market impact and line up with internal capital strategy. It remains unclear if the purchase will be conducted via spot markets, custodians, or structured investment vehicles.
The adoption also brings to light a wider trend among corporations allocating Bitcoin to their balance sheets. Reitar joins companies such as Strategy, that have leveraged Bitcoin not only for financial positioning, but as a long-term asset.
This post Reitar Logtech Announces $1.5 Billion Bitcoin Acquisition Plan first appeared on Bitcoin Magazine and is written by Jenna Montgomery.
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@ 2e8970de:63345c7a
2025-06-03 17:33:37https://www.wsj.com/finance/investing/wall-street-bond-market-us-debt-990e12e9?mod=hp_lead_pos7
https://stacker.news/items/996265
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@ 58537364:705b4b85
2025-06-03 15:22:59…. “คนเรา โดยเฉพาะสมัยนี้ พูดกันอีกที่หนึ่งก็พูดได้ว่า ถูกสร้างขึ้นมาด้วยหนังสือ, หนังสือมันสร้างคนขึ้นมา คือว่า..อ่านหนังสืออะไรมาก อ่านหนังสืออะไรมาก หนังสือนั้นก็สร้างคนคนนั้นขึ้นมา, สร้างจิตใจของคนนั้นขึ้นมา โดยไม่รู้สึก
…. ไปดูหนังสือที่เขาอ่าน อ่านมากที่สุด เราก็รู้ได้ว่า..คนนี้มีจิตใจเป็นอย่างไร. หนังสือที่นิยมสั่งกันมามาก ล้วนแต่เป็นหนังสือที่ยั่วยวนทางวัตถุ หรือลุ่มหลงทางวัตถุ : แล้วอย่างดีที่สุดก็เอามาให้เสียเวลา อ่านให้มันมึนหัวเล่น อย่างนั้นแหละ จนไม่มีเวลาที่จะไปอ่านหนังสือธรรมะที่แท้จริง เพราะว่ามีหนังสืออื่นมาก วางอยู่มาก ยั่วยวนให้อ่านมากกว่า
…. แม้แต่พระเณร ก็เป็นอย่างนี้ อ่านหนังสือพิมพ์, หรืออ่านหนังสือภาษา, เรียนภาษาต่างประเทศ หรือว่าเรียนวิชานั่น นี่ ล้วนแต่เป็นเรื่องวัตถุ เรื่องอาชีพ เรื่องความดีความเด่น ที่ฝันไว้ในจิตในใจ, ด้วยความหวังความทะเยอทะยานทั้งนั้น แล้วจะเอากําลังใจ หรือมันสมอง หรืออะไรที่ไหนมาเข้าใจ ธรรมะ ธัมโม ได้
…. ทีนี้ ยิ่งนอกวัดออกไป ก็ยิ่งไกลไปใหญ่ : หอสมุดของมหาวิทยาลัย, หอสมุดของชาติ ของอะไร ก็ล้วนแต่เป็น “หอสมุดของซาตาน” มากยิ่งขึ้นเท่านั้น เพราะไปมีมันขึ้น หรือสร้างมันไว้ ด้วยความอยากดีอยากเด่น ด้วยความอยากที่จะร่ำรวยวัตถุทั้งนั้น ฉะนั้น จึงมีผลทําให้คนทั้งโลกนี้เป็นทาสของวัตถุ พร้อมที่จะสร้างวิกฤตการณ์ ขึ้นในโลกในอนาคต
…. แล้วรองลงมาจากนั้น ก็คือ มันมากจนทําให้เวียนหัว เป็น..“บ้าหอบฟาง”; อย่างที่ว่าแล้วว่าเล่า ว่าเป็นบ้าหอบฟาง, รู้อะไรท่วมหัวก็เอาตัวไม่รอด, เรียนจบมหาวิทยาลัยแล้ว ก็ยังไม่รู้ว่าเกิดมาทําไม ?, เรียนมหาวิทยาลัยจบแล้ว อ่านหนังสือในห้องสมุดของมหาวิทยาลัยจบแล้ว ก็ยังเป็นเด็กอมมือ ไม่รู้ว่า.. “กูนี่ เกิดมาทําไม ?”. ดูซิ!, แล้วจะเรียกว่า “อุดมศึกษา” ได้อย่างไรกัน ? แม้แต่เกิดมาทําไม? ก็ยังไม่รู้ นี่การศึกษาสมัยนี้ หอสมุดหรือห้องสมุดของสมัยนี้ มันเป็นอย่างนี้
…. ทีนี้ เมื่อไม่รู้ว่าเกิดมาทําไม ? มันก็ไม่มีอะไร นอกจากเป็นทาสของวัตถุ ที่หวังว่าจะสนุกสนาน เอร็ดอร่อย มีเกียรติ มีอํานาจวาสนา มีอะไรไปทํานองนั้น นี่แหละ คือการตกเป็นทาสของวัตถุ การตกเป็นทาสของอายตนะ คือ ตา หู จมูก ลิ้น กาย ใจ การเล่าเรียนศึกษาขวนขวายนั้น เพื่อจะเป็นทาส ของ ตา หู จมูก ลิ้น กาย ใจ ในการที่จะแสวงหาความสนุกสนาน เอร็ดอร่อย ทางเนื้อทางหนัง มีเท่านี้ การศึกษาและห้องสมุด” . พุทธทาสภิกขุ ที่มา : ธรรมบรรยายชุดชุมนุมล้ออายุ หัวข้อเรื่อง “ยิ่งจะทำให้ดี โลกมันยิ่งบ้า” บรรยาย ณ ลานหินโค้ง กัณฑ์ค่ำ เมื่อวันที่ ๒๗ พฤษภาคม ๒๕๑๓ จากหนังสือชุดธรรมโฆษณ์ เล่มชื่อว่า “ชุมนุมล้ออายุ เล่ม ๑” หน้า ๕๑๒-๕๑๓
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@ 21335073:a244b1ad
2025-05-09 13:56:57Someone asked for my thoughts, so I’ll share them thoughtfully. I’m not here to dictate how to promote Nostr—I’m still learning about it myself. While I’m not new to Nostr, freedom tech is a newer space for me. I’m skilled at advocating for topics I deeply understand, but freedom tech isn’t my expertise, so take my words with a grain of salt. Nothing I say is set in stone.
Those who need Nostr the most are the ones most vulnerable to censorship on other platforms right now. Reaching them requires real-time awareness of global issues and the dynamic relationships between governments and tech providers, which can shift suddenly. Effective Nostr promoters must grasp this and adapt quickly.
The best messengers are people from or closely tied to these at-risk regions—those who truly understand the local political and cultural dynamics. They can connect with those in need when tensions rise. Ideal promoters are rational, trustworthy, passionate about Nostr, but above all, dedicated to amplifying people’s voices when it matters most.
Forget influencers, corporate-backed figures, or traditional online PR—it comes off as inauthentic, corny, desperate and forced. Nostr’s promotion should be grassroots and organic, driven by a few passionate individuals who believe in Nostr and the communities they serve.
The idea that “people won’t join Nostr due to lack of reach” is nonsense. Everyone knows X’s “reach” is mostly with bots. If humans want real conversations, Nostr is the place. X is great for propaganda, but Nostr is for the authentic voices of the people.
Those spreading Nostr must be so passionate they’re willing to onboard others, which is time-consuming but rewarding for the right person. They’ll need to make Nostr and onboarding a core part of who they are. I see no issue with that level of dedication. I’ve been known to get that way myself at times. It’s fun for some folks.
With love, I suggest not adding Bitcoin promotion with Nostr outreach. Zaps already integrate that element naturally. (Still promote within the Bitcoin ecosystem, but this is about reaching vulnerable voices who needed Nostr yesterday.)
To promote Nostr, forget conventional strategies. “Influencers” aren’t the answer. “Influencers” are not the future. A trusted local community member has real influence—reach them. Connect with people seeking Nostr’s benefits but lacking the technical language to express it. This means some in the Nostr community might need to step outside of the Bitcoin bubble, which is uncomfortable but necessary. Thank you in advance to those who are willing to do that.
I don’t know who is paid to promote Nostr, if anyone. This piece isn’t shade. But it’s exhausting to see innocent voices globally silenced on corporate platforms like X while Nostr exists. Last night, I wondered: how many more voices must be censored before the Nostr community gets uncomfortable and thinks creatively to reach the vulnerable?
A warning: the global need for censorship-resistant social media is undeniable. If Nostr doesn’t make itself known, something else will fill that void. Let’s start this conversation.
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@ 88cc134b:5ae99079
2025-06-03 22:46:24content...
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@ 52b4a076:e7fad8bd
2025-04-28 00:48:57I have been recently building NFDB, a new relay DB. This post is meant as a short overview.
Regular relays have challenges
Current relay software have significant challenges, which I have experienced when hosting Nostr.land: - Scalability is only supported by adding full replicas, which does not scale to large relays. - Most relays use slow databases and are not optimized for large scale usage. - Search is near-impossible to implement on standard relays. - Privacy features such as NIP-42 are lacking. - Regular DB maintenance tasks on normal relays require extended downtime. - Fault-tolerance is implemented, if any, using a load balancer, which is limited. - Personalization and advanced filtering is not possible. - Local caching is not supported.
NFDB: A scalable database for large relays
NFDB is a new database meant for medium-large scale relays, built on FoundationDB that provides: - Near-unlimited scalability - Extended fault tolerance - Instant loading - Better search - Better personalization - and more.
Search
NFDB has extended search capabilities including: - Semantic search: Search for meaning, not words. - Interest-based search: Highlight content you care about. - Multi-faceted queries: Easily filter by topic, author group, keywords, and more at the same time. - Wide support for event kinds, including users, articles, etc.
Personalization
NFDB allows significant personalization: - Customized algorithms: Be your own algorithm. - Spam filtering: Filter content to your WoT, and use advanced spam filters. - Topic mutes: Mute topics, not keywords. - Media filtering: With Nostr.build, you will be able to filter NSFW and other content - Low data mode: Block notes that use high amounts of cellular data. - and more
Other
NFDB has support for many other features such as: - NIP-42: Protect your privacy with private drafts and DMs - Microrelays: Easily deploy your own personal microrelay - Containers: Dedicated, fast storage for discoverability events such as relay lists
Calcite: A local microrelay database
Calcite is a lightweight, local version of NFDB that is meant for microrelays and caching, meant for thousands of personal microrelays.
Calcite HA is an additional layer that allows live migration and relay failover in under 30 seconds, providing higher availability compared to current relays with greater simplicity. Calcite HA is enabled in all Calcite deployments.
For zero-downtime, NFDB is recommended.
Noswhere SmartCache
Relays are fixed in one location, but users can be anywhere.
Noswhere SmartCache is a CDN for relays that dynamically caches data on edge servers closest to you, allowing: - Multiple regions around the world - Improved throughput and performance - Faster loading times
routerd
routerd
is a custom load-balancer optimized for Nostr relays, integrated with SmartCache.routerd
is specifically integrated with NFDB and Calcite HA to provide fast failover and high performance.Ending notes
NFDB is planned to be deployed to Nostr.land in the coming weeks.
A lot more is to come. 👀️️️️️️
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@ a296b972:e5a7a2e8
2025-06-03 15:08:50***Achtung Spreng-Arbeiten!***
Der verbliebene intakte Strang der Nordstream Pipeline soll jetzt von Deutschland mit einem hochexplosiven 18. Sanktionspaket gesprengt werden, damit Putin nicht, wie schon in Kursk, Truppen durch das Rohr schickt, und so doch noch in Schwedt anlandend auf deutschem Boden eine russische Invasion stattfinden kann.
***Kriegserklärung***
Deutschland hat Deutschland den Krieg erklärt. Zunächst freiwillig, doch wenn es nicht von allein noch schlimmer wird, wird es eine Kriegspflicht geben müssen. Kriegstreibende Propaganda und der intensive Ausbau des Feindbilds sollen die Bevölkerung dahingehend umstimmen, weil Frieden doch auf die Dauer sehr langweilig ist.
***Verwechslung***
Bei der Einstellung der Außenbeauftragten der Europäischen Union ist es zu einer Verwechslung gekommen. Ursprünglich wollte man Maria Callas einstellen, doch dann stellte man fest, dass diese begnadete Stimme leider nicht mehr unter uns weilt.
***Bedingungslose Kapitulation***
Anlässlich der Bereicherung der UN durch die Präsidentschaft der ehemaligen deutschen Außen-Dings, haben die Vereinten Nationen direkt nach der unerklärlichen Wahl vorsorglich ihre Bedingungslose Kapitulation gegenüber allen Nationen bekannt gegeben. Alle von der Präsidentin getroffenen Aussagen haben vorläufigen Charakter und werden aufgrund der Fremdsprachlichkeit der Präsidentin auf ihren korrekten Inhalt hin nachträglich überprüft.
***Mehrfach gesichert ***
Ein gesichert staatsfinanziertes Rechercheportal hat durch investigative Recherche herausgefunden, dass der neue Papst gesichert katholisch ist. Es konnte nicht nur eine Nähe festgestellt werden, sondern es wurde sogar gesichert nachgewiesen, dass es sich um dieselbe katholische Kirche handelt, die schon seinerzeit in der Inquisition Hexen und Ketzer verbrannt hat.
***Gleichbehandlung***
Nachdem es in Spanien und Portugal und zuletzt auch in Südfrankreich zu einem Stromausfall gekommen ist, hat die deutsche Regierung beim Europäischen Gerichtshof Klage eingereicht. Im Zuge der Gleichbehandlung aller Nationen will Deutschland nun das Recht auf einen eigenen Black-Out für mindestens zwei Tage einklagen.
***Problem fehlender Wohnungen gelöst***
Aufgrund der Wohnungsknappheit hat die deutsche Regierung nun einen Fond aufgelegt, aus dem jede Familie 35.000 Euro Starthilfe erhält, wenn sie für mindestens 10 Jahre das Land verlässt. Es kam bereits zu ersten Ausreisen, bevor noch die Starthilfe ausgezahlt werden konnte.
***Bürokratieabbau***
Zum schnellen und effizienten Bürokratieabbau wird ein neues Ministerium für Komplikationen mit mindestens 5.000 Mitarbeitern eingerichtet, um den überbordenden Verordnungs- und Bürokratiesumpf auszutrocknen. Derzeit warten nur noch wenige 100 Beamte darauf, dass ihnen Arbeit zugewiesen wird.
***‘Aufruf an die deutsche Bevölkerung***
Die deutschen Haushalte werden gebeten, vorhandene Küchensiebe der Bundesregierung zur Verfügung zu stellen. Die vorhandenen Sieblöcher sollen zugelötet und die Siebe so als Alu- oder Edelstahlhelme für die Bundeswehr zur bevorstehenden gemeinsamen Invasion der USA und Russlands in Deutschland verwendet werden. Weiter sollen ausgediente Heizöltanks auf die Ladeflächen offener Pritschenwagen installiert werden, um die in Deutschland verbliebenen Panzer betanken zu können.
***Long-Pipeline oder Post-Gas?***
Deutschland will nicht, dass Nordstream wieder in Betrieb genommen wird, weil das russische Gas Verunreinigungen, unter anderem auch Nano-Partikel enthält, dass den deutschen Gasthermen Schaden zufügen könnte. Das erklärt auch, warum die deutsche Aufklärung zur Sprengung der Nordstream-Pipelines im Sande verlaufen ist: Zu explosiv!
***Mielke: Ich liebe doch alle Menschen…***
Gerüchten zufolge soll der berühmt gewordene Satz von Erich Mielke in seiner ersten und einzigen Rede vor der DDR-Volkskammer am 13.11.1989 den amtierenden deutschen Außenminister sehr inspiriert haben: Ich hasse…ich hasse doch alle, alle Russen… ich hasse doch, ich setze mich dafür ein… dass Russland immer unser Feind sein wird!
***Durchbruch in der Quantenphysik***
Deutschen Quantenphysikern ist es gelungen, dass Taurus zur gleichen Zeit sowohl noch in Deutschland, als auch schon in der Ukraine sein kann. Lediglich die Eingabe der Zielkoordinaten bereitet den Programmierern noch Schwierigkeiten. Je nachdem, wo sich der Taurus gerade befindet, kann das Hauptstadt-Ziel sowohl Berlin, als auch Moskau sein.
***Selbstjustiz***
Die verantwortlichen Politiker während des Corona-Ereignisses haben ein Gerichtsverfahren ins Leben gerufen, in dem sie sich gegenseitig beschuldigt und verurteilt haben. Anschließend begab man sich unter Polizeischutz in ein bekanntes Promi-Lokal in Berlin und fuhr danach weiter zur Selbsteinweisung nach Bauzen.
***Kaiser’s Sektsteuer***
Um die seinerzeit eingeführte Sektsteuer zum Aufbau der deutschen Kriegsmarine wieder ihrem ursprünglichen Zweck zuzuführen, hat die Meyer-Werft sich bereit erklärt, Fregatten zu bauen, mit der die Deutsche Marine dann Panzerkreuzerfahrten in der Ostsee vor Königsberg veranstalten will. Schon wenige Tage nach Bekanntgabe waren die ersten Vergnügungsdampferfahrten mit „Meine Fregatte“ komplett ausgebucht.
Dieser Beitrag wurde mit dem Pareto-Client geschrieben.
* *
(Bild von pixabay)
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@ bf47c19e:c3d2573b
2025-06-03 18:32:49Originalni tekst na bitcoin-balkan.com
Pregled sadržaja
- Bitcoin Je Nosilac Imovine
- Komprimis: Bezbednost vs Konfor
- Pregled Novčanika: Istraživanje Hardverskih, Mobilnih, Desktop i Multisig Bitcoin Novčanika
- Vruće vs Hladno – (hot vs Cold) Bitcoin Novčanici: U čemu je razlika?
- Bitcoin Novčanik – Backup Fraza
- Bitcoin Multisignature: Kako radi
- Zašto Moj Bitcoin Novčanik Stalno Menja Moju Adresu?
- Moja Preporuka: Neka Procenat Neto Vrednosti Vodi Vaš Izbor Bitcoin Novčanika
- Da Zaokružimo Priču
U redu, dakle stekli ste neku količinu Bitcoin-a, i koji je sada najbolji način za njegovo čuvanje? Ovde ću vas provesti kroz proces pronalaženja pravog Bitcoin novčanika za vas.
Iako se čini kao jednostavno pitanje, ima iznenađujuće puno nijansi koje treba razmotriti. Koliko Bitcoin-a imate? Koliko često planirate da ga trošite? Da li ste sigurni da su vaši ključevi sigurniji kod vas nego kod offline čuvara? Odgovori na ova pitanja pomoći će vam da pronadjete pravo rešenje za vas.
Bitcoin je nosilac imovine, što znači da i sami možete držati ključeve svog Bitcoin-a. Kada držite svoje Bitcoin ključeve, vi imate direktnu kontrolu nad svojim novcem. Nije povereno nijednoj trećoj strani, poput banke. Trebate držati svoje ključeve onda kada utvrdite da je rizik da ih lično držite manji od rizika da ih čuvar izgubi. Donošenje te odluke oslanja se uglavnom na vaše razumevanje kako i zašto držati svoje Bitcoin ključeve. U ovom članku ću vam pomoći da razumete obe strane.
U ovom članku ćemo istražiti:
- „Nisu vaši ključevi, nije vaš Bitcoin“
- Bezbednost vs Konfor
- Vrste Bitcoin novčanika
- Postavke Multisig-a
- Moja preporuka za izbor najboljeg novčanika za VAS
Zato počnimo polako.
Bitcoin Je Nosilac Imovine
U kriptografiji, javni ključ(public key) se koristi za šifrovanje poruka, a privatni ključ(private key) za njihovo dešifrovanje. Ako bi neko želeo da vam pošalje šifrovanu poruku, šifrirao bi je vašim javnim ključem. Vaš privatni ključ je jedini način za dešifrovanje te poruke, pa sve dok ste jedina osoba koja drži taj privatni ključ, vi ste i jedina osoba koja može pročitati poruku.
Bitcoin koristi kriptografiju javnog/privatnog ključa da bi osigurao transakcije. Privatni ključ se kreira kada napravite Bitcoin novčanik. Novčanik stvara javne ključeve koji se heširaju i koriste kao adrese za prijem Bitcoin-a. Privatni ključ je potreban da bi se dokazalo vlasništvo nad uskladištenim Bitcoin-om na toj adresi kako bi se mogao potrošiti.
Ako lično ne kontrolišete privatne ključeve povezane sa vašim Bitcoin-om, onda zapravo ne posedujete svoj Bitcoin. Drugim rečima, ako menjačnica ili banka drži vaše Bitcoin-e u vaše ime, vi onda nemate direktnu kontrolu nad svojim Bitcoin-ima. Vi prenosite sigurnost svog Bitcoin-a drugoj stranci.
Da biste u potpunosti iskoristili jedinstvene osobine Bitcoin-a kao novca, vi trebate da držite svoje privatne ključeve. Kao što Bitcoineri često kažu „nisu vaši ključevi, nije vaš Bitcoin“. Ovo vam pruža mogućnost držanja vašeg Bitcoin-a pod vašim nadzorom, tako da ga države, banke ili hakeri koji ga ciljaju ne mogu zapleniti ili oduzeti. Ali odabir držanja sopstvenih ključeva dolazi sa odredjenom odgovornošću za bezbednost vašeg Bitcoin-a.
Moj cilj je da vam pomognem da postanete konforni sa mogućnošću držanja svojih ključeva. Do tada, Bitcoin če biti sigurniji na novčaniku vaše menjačnice.
Sada ćemo pogledati koje opcije imate za preuzimanje kontrole nad sopstvenim Bitcoin ključevima.
Bezbednost vs Komfor
Komprimis: Bezbednost vs Komfor
Glavni kompromis koji treba uzeti u obzir prilikom skladištenja vašeg Bitcoin-a je između bezbednosti i konfora. Očigledno je da su i bezbednost i konfor poželjne osobine prilikom čuvanja vašeg Bitcoin-a, ali se međusobno direktno suprotstavljaju.
Gde se vi nalazite u spektru bezbednosti nasuprot konfora?
Postavite sebi ova pitanja da biste stekli bolji utisak o tome koji način čuvanja za vas ima najviše smisla:
- Ukupna vrednost – da li skladištite na nivou od 0,1%, 1% ili 10 +% vaše neto vrednosti u Bitcoin-u? Odgovor bi trebao da vam da vrlo različite metode čuvanja vašeg Bitcoin-a. Očigledno biste bili spremni da pretrpite više neprijatnosti ako to znači zaštitu 50% vaše neto vrednosti.
- Vremenski okvir/dostupnost – Kada i koliko često imate potrebu da trošite svoje Bitcoin-e? Da li je to više kao tekući račun, srednjoročni štedni račun ili je vaš Bitcoin sličniji dugoročnom penzionom računu?
“Pazite da podešavanje vaše zaštite ne bude tako složeno da čak i vi zaboravite kako dostupiti vašom Bitcoin-u“
Od Bitcoinera se mogu čuti upozoravajuće priče o ljudima koji gube svoje Bitcoin-e zbog prekomplikovanih podešavanja čuvanja, što rezultira time da vlasnik zaboravi kako da pristupi svojim novčićima.
Pregled Novčanika: Istraživanje Hardverskih, Mobilnih, Desktop i Multisig Bitcoin Novčanika
Sada kada ste odlučili da nabavite nekoliko Bitcoin-a (pametan potez) vreme je da odlučite gde ćete čuvati vaš Bitcoin. Kada započinjete, ovo vam može dati nadmoćan osećaj. U ovom odeljku ću vam dati kratki pregled opcija kojima raspolažete. Kao i u većini stvari u životu, i ovde se radi o kompromisima.
Hardverski Bitcoin Novčanici
Korisnici čuvaju privatne ključeve na namenskom hardverskom delu.
Prednosti: Privatni ključevi nikada ne dolaze u dodir sa internetom, što smanjuje rizik od njihovih gubitaka. Pogodno za dugotrajno skladištenje. Ako izgubite hardverski novčanik, možete da upotrebite backup seed fraze (eng. seed phrase backup) da biste vratili novčanik.
Mane: Korisnici moraju da obezbede backup seed fraze, što zahteva promišljenu strategiju kako da je zaštite. Preporučuje se da zapišete svoju seed frazu na metal i sačuvate rezervne kopije na više sigurnih lokacija. Ako vam ukradu hardverski novčanik, dolazite u rizik hakovanja vaših sredstava. Napomena: zaštita backup seed fraze je standardna praksa za novčanike gde korisnik kontroliše svoje privatne ključeve.
Primeri: Ledger, Trezor, Coldcard i BitBox
Mobilni Bitcoin Novčanici
Korisnici čuvaju privatne ključeve na mobilnom uređaju.
Prednosti: Jednostavan za upotrebu, dobar za početnike, pogodan za male iznose.
Mane: Najmanje sigurna opcija jer se privatni ključevi nalaze na uređaju povezanom na Internet. Ako napadač stekne fizički pristup vašem telefonu, može proslediti sredstva u njegov novčanik. Nije dobro za dugotrajno skladištenje.
Primeri: Blockstream Green, Samourai (samo za Android), Muun, Blue Wallet, Electrum
Desktop Bitcoin Novčanici
Korisnici čuvaju privatne ključeve na svom desktop/laptop računaru
Prednosti: Dobro korisničko iskustvo.
Mane: Nije baš bezbedno, jer su računari povezani na internet i podložni virusima i napadima. Nije dobro za dugotrajno čuvanje.
Primeri: Bitcoin Core i Electrum (napredni), Wasabi (srednji), Blockstream Green (početni). Wasabi je verovatno najbolji novčanik za privatnost, a Blockstream Green je najbolji početnički desktop novčanik.
Multisignature Bitcoin Novčanici
Korisnik čuva privatne ključeve u posebnom novčaniku za koji je potrebno da potpiše više privatnih ključeva pre nego što može da premešta svoja sredstva. Na primer, u „2 od 3“ multisig (eng. multisignature – više potpisa) novčaniku, korisniku su potrebna bilo koja dva od tri privatna ključa za slanje sredstava.
Prednosti: Jedan od najsigurnijih načina za čuvanje vašeg Bitcoin-a, smanjuje efikasnost fizičkih napada, pogodan za dugoročno skladištenje.
Mane: Teško ga je samostalno podesiti, ali postoji nekoliko servisa koji olakšavaju ovaj proces. Nije pogodno za potrošnju, a to može predstavljati i poentu.
Primeri: Unchained Capital’s Vault (2 od 3), Casa’s Keymaster (2 od 3 i 3 od 5), Blocksteam Green (2 od 2), Electrum.
Vruće vs Hladno – (hot vs Cold) Bitcoin Novčanici: U čemu je razlika?
Vrući novčanici su povezani na Internet. To znači da je ključevima lakše pristupiti nego kada su na hardverskom novčaniku, a to takođe znači i da su vaša sredstva ranjiva na napade hakera. Vruće novčanike preporučujem samo za male količine.
Hladni novčanici NISU povezani sa Internetom. To znači da je vašim sredstvima teže pristupiti. Hladni novčanici su manje pogodni za korisnike, ali hakeri mnogo teže mogu da pristupe vašim sredstvima. Hladne novčanike treba smatrati jedinom opcijom za dugoročno čuvanje.
Bitcoin Novčanik – Backup Fraza
Većina novčanika zahteva od korisnika da zapišu „backup seed frazu“. Ovo je mera predostrožnosti u slučaju da izgubite pristup svojim privatnim ključevima/novčaniku. To takođe znači da korisnici moraju biti vrlo oprezni sa svojim rezervnim kopijama jer one sadrže sve potrebne informacije za pristup vašim sredstvima. Tretirajte i čuvajte svoje rezervne kopije na način kao što bi tretirali i čuvali gomilu zlata.
- Ne pravite slike ili snimke ekrana svoje backup fraze
- Ne izgovarajte naglas svoju backup frazu – ikad!
- Ne čuvajte svoju semensku frazu Password Manager Aplikaciji
- Ne koristite Internet uslugu oporavka backup fraze
- Koristite pristupnu frazu (passphrase) da biste dodali još sigurnosti
- Koristite više metoda za pravljenje rezervnih kopija
- Ograničite pristup svojoj backup frazi što je više moguće
- Nikada ne razgovarajte sa ljudima gde, kako i koliko Bitcoin-a čuvate
Tako izgleda „backup seed fraza“
Bitcoin Novčanici Bez Seed-ova
Drugi način za čuvanje Bitcoin-a su novčanici bez seed-ova. Oni su dizajnirani za multisig akaunte, gde korisnici ne kreiraju backup seed-ove, već se oslanjaju na uslugu rezervne kopije. Casa prednjači u novčanicima bez seed-ova sa svojim Keymaster multisignaturnim proizvodom.
Bitcoin Multisignature: Kako radi
Umesto da zahtevaju jedan potpis privatnog ključa za premeštanje sredstava, multisig novčanici zahtevaju više potpisa za premeštanje sredstava. Postoji mnogo načina za pravljenje multisig novčanika, ali iskoristimo postavku 2 od 3 za naš primer.
Kao korisnik, to znači da imate ukupno 3 privatna ključa koji odgovaraju jednom Bitcoin novčaniku. Da biste prebacili sredstva, potrebna su vam najmanje 2 privatna ključa za potpisivanje transakcije. Većina korisnika će fizički odvojiti lokacije svakog ključa kako bi što više smanjili rizik. Samo nemojte biti previše kreativni, da ne prevarite i sebe i na taj način izgubite svoja sredstva (to se dogodilo mnogo puta).
Kao što je gore pomenuto, evo nekoliko primera Multisignature novčanika
- Blocksteam Green Wallet (2 od 2)
- Casa’s Keymaster (2 od 3 i 3 od 5)
- Unchained Capital’s Vault (2 od 3)
- Electrum
Prednosti Multisig-a
Multisig nudi prostor za greške. Ako imate samo jedan privatni ključ i izgubite ga, vaša sredstva će se zauvek izgubiti. Međutim, ako imate podešavanje 2 od 3, možete sebi priuštiti da izgubite jedan privatni ključ i dalje pristupite svojim sredstvima.
Multisig takođe smanjuje šanse za moguće fizičke napade. Recimo da ste fizički ugroženi i primorani da se odreknete svog dragocenog Bitcoin-a. Ako ste imali normalan novčanik (a ne multisig), onda biste lako mogli da prebacite svoj Bitcoin tom kom vas napada. Međutim, ako ste postavili multisig podešavanja, jedan od vaših ključeva je u kući, a drugi ključ na nekom drugom mestu (npr. vaša kancelarija ili sef u banci). Ovakvo razdvajanje ključeva u velikoj meri smanjuje želju tog napadača da uopšte pokuša da preotme vaš Bitcoin.
Zašto Moj Bitcoin Novčanik Stalno Menja Moju Adresu?
Svaki skup privatnih ključeva može generisati bilione javnih ključeva. Ovi javni ključevi se zatim transformišu (kroz matematički proces zvan heširanje) da bi se proizvele javne adrese.
Svaka pojedinačna adresa može da primi Bitcoin. Dakle, svaki skup privatnih ključeva koji posedujete sposoban je da proizvede svoj jedinstveni, masivni skup javnih adresa koje posedujete vi, i samo vi. Svako može da pošalje Bitcoin na te javne adrese, ali samo onaj koji poseduje te privatne ključeve može trošiti Bitcoin sa tih adresa.
Mnogi ljudi vole da uporedjuju privatne ključeve, javne adrese i Bitcoin novčanike sa e-mail adresama. Privatni ključevi su vaša lozinka, javna adresa je vaša e-mail adresa, a novčanik je e-mail domen koji koristite (npr. Gmail, Protonmail, Yahoo itd.). Iako je korisna, ova analogija pomalo obmanjuje, jer sa Bitcoin-om svaka lozinka (privatni ključ) koju posedujete omogućava pristup bilionima potencijalnih e-mail adresa (javnih adresa) za slanje i primanje Bitcoin-a.
Nema razloga za brigu ako vaš novčanik stalno generiše nove Bitcoin adrese. To je zapravo jedna od njegovih karakteristika! Novčanici koji generišu i koriste nove javne adrese pomažu u zaštiti vaše privatnosti od ljudi koji „njuškaju“ na javnom Bitcoin blockchain-u. Samo zapamtite da sve dok vi držite privatne ključeve novčanika, samo vi posedujete sadašnji i budući Bitcoin, poslat na bilo koju javnu adresu koju je generisao vaš novčanik. Samo se pobrinite da privatni ključevi Bitcoin-a budu sigurni, bezbedni i privatni.
Moja Preporuka: Neka Procenat Neto Vrednosti Vodi Vaš Izbor Bitcoin Novčanika
Najjednostavniji način pristupanja izbora koji novčanik će te odabrati za vaš Bitcoin je fokusiranje na pitanje „koliko novca je u igri?“. Drugim rečima, koji procenat vaše neto vrednosti je zaštićen? Evo naše analize, ali naravno, situacija svake osobe je jedinstvena. Koristite ovo kao smernicu, a ne kao apsolutnu istinu.
Male količine (oko 0,1% neto vrednosti) – Koristite mobilni Bitcoin novčanik
- Blockstream Green – ima multisig 2 od 2. To je verovatno najbolji Bitcoin novčanik za iPhone.
- Casa Keymaster (režim sa jednim ključem) – rezervna kopija bez seed-a.
Srednji iznosi (oko 1% neto vrednosti) – Koristite hardverski Bitcoin novčanik
- Ledger
- Trezor
- Coldcard
Velike količine (više od 10% + neto vrednost) – Koristite Multisig Bitcoin novčanik
- Casa Keymaster Multisig — interfejs koji je jednostavan za korišćenje, možete birati postavke 2 od 3 i 3 od 5. Oni imaju alat za samooporavak, međutim ovo nisam lično koristio, i želeo bih da obavim više istraživanja pre nego što dam pravu preporuku.
- Unchained Capital’s Multisig — interfejs koji je jednostavan za korišćenje, postavka 2 od 3, može pristupiti finansijskim uslugama zasnovanim na vašem BTC u depozitu.
- Self Hosted Multisig — korisnici takođe mogu da kreiraju sopstvene multisig postavke. Ovo zahteva mnogo veće tehničko znanje u poređenju sa Unchained i Casa, međutim, ne žrtvujete nikakvu privatnost.
Protip: Rapodelite sredstva koja želite da skladištite dugoročno. Ako imate značajan deo svoje neto vrednosti u Bitcoin-u, u vašem je najboljem interesu da raspodelite svoj ulog. Ovo umanjuje vaš rizik, što smanjuje šanse da budete izbrisani. Na primer, trećinu svog Bitcoin-a čuvajte sa Casa multisig-om, drugu trećinu sa Unchained Capital Vault-om, a preostalu trećinu na hardverskom novčaniku (Cold Card, Ledger ili Trezor).
Da Zaokružimo Priču
Ovo je moj rezime vaših mogućnosti izbora Bitcoin-ovih novčanika i kako odabrati pravi od njih uzimajući u obzir privatne ključeve, načine i stepen zaštite i sigurnosti koji oni pružaju. Ako ste i dalje zastrašeni, bez brige. Preporučujemo da preuzmete kontrolu nad vašim Bitcoin ključevima samo kada budete sigurni u uslugu koja vam se pruža. Ali vas podstičemo da i dalje razmatrate jedinstvenu priliku koju vam pruža Bitcoin: mogućnost da imate apsolutnu kontrolu nad svojim bogatstvom.
Samostalno čuvanje je vremenom sve lakše i lakše. Razmotrite svoju situaciju i odaberite način čuvanja koji najbolje odgovara vama. Ovde sam da vam pomognem, i slobodno mi se obratite sa svim pitanjima koja vas zanimaju.
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@ a39d19ec:3d88f61e
2025-04-22 12:44:42Die Debatte um Migration, Grenzsicherung und Abschiebungen wird in Deutschland meist emotional geführt. Wer fordert, dass illegale Einwanderer abgeschoben werden, sieht sich nicht selten dem Vorwurf des Rassismus ausgesetzt. Doch dieser Vorwurf ist nicht nur sachlich unbegründet, sondern verkehrt die Realität ins Gegenteil: Tatsächlich sind es gerade diejenigen, die hinter jeder Forderung nach Rechtssicherheit eine rassistische Motivation vermuten, die selbst in erster Linie nach Hautfarbe, Herkunft oder Nationalität urteilen.
Das Recht steht über Emotionen
Deutschland ist ein Rechtsstaat. Das bedeutet, dass Regeln nicht nach Bauchgefühl oder politischer Stimmungslage ausgelegt werden können, sondern auf klaren gesetzlichen Grundlagen beruhen müssen. Einer dieser Grundsätze ist in Artikel 16a des Grundgesetzes verankert. Dort heißt es:
„Auf Absatz 1 [Asylrecht] kann sich nicht berufen, wer aus einem Mitgliedstaat der Europäischen Gemeinschaften oder aus einem anderen Drittstaat einreist, in dem die Anwendung des Abkommens über die Rechtsstellung der Flüchtlinge und der Europäischen Menschenrechtskonvention sichergestellt ist.“
Das bedeutet, dass jeder, der über sichere Drittstaaten nach Deutschland einreist, keinen Anspruch auf Asyl hat. Wer dennoch bleibt, hält sich illegal im Land auf und unterliegt den geltenden Regelungen zur Rückführung. Die Forderung nach Abschiebungen ist daher nichts anderes als die Forderung nach der Einhaltung von Recht und Gesetz.
Die Umkehrung des Rassismusbegriffs
Wer einerseits behauptet, dass das deutsche Asyl- und Aufenthaltsrecht strikt durchgesetzt werden soll, und andererseits nicht nach Herkunft oder Hautfarbe unterscheidet, handelt wertneutral. Diejenigen jedoch, die in einer solchen Forderung nach Rechtsstaatlichkeit einen rassistischen Unterton sehen, projizieren ihre eigenen Denkmuster auf andere: Sie unterstellen, dass die Debatte ausschließlich entlang ethnischer, rassistischer oder nationaler Kriterien geführt wird – und genau das ist eine rassistische Denkweise.
Jemand, der illegale Einwanderung kritisiert, tut dies nicht, weil ihn die Herkunft der Menschen interessiert, sondern weil er den Rechtsstaat respektiert. Hingegen erkennt jemand, der hinter dieser Kritik Rassismus wittert, offenbar in erster Linie die „Rasse“ oder Herkunft der betreffenden Personen und reduziert sie darauf.
Finanzielle Belastung statt ideologischer Debatte
Neben der rechtlichen gibt es auch eine ökonomische Komponente. Der deutsche Wohlfahrtsstaat basiert auf einem Solidarprinzip: Die Bürger zahlen in das System ein, um sich gegenseitig in schwierigen Zeiten zu unterstützen. Dieser Wohlstand wurde über Generationen hinweg von denjenigen erarbeitet, die hier seit langem leben. Die Priorität liegt daher darauf, die vorhandenen Mittel zuerst unter denjenigen zu verteilen, die durch Steuern, Sozialabgaben und Arbeit zum Erhalt dieses Systems beitragen – nicht unter denen, die sich durch illegale Einreise und fehlende wirtschaftliche Eigenleistung in das System begeben.
Das ist keine ideologische Frage, sondern eine rein wirtschaftliche Abwägung. Ein Sozialsystem kann nur dann nachhaltig funktionieren, wenn es nicht unbegrenzt belastet wird. Würde Deutschland keine klaren Regeln zur Einwanderung und Abschiebung haben, würde dies unweigerlich zur Überlastung des Sozialstaates führen – mit negativen Konsequenzen für alle.
Sozialpatriotismus
Ein weiterer wichtiger Aspekt ist der Schutz der Arbeitsleistung jener Generationen, die Deutschland nach dem Zweiten Weltkrieg mühsam wieder aufgebaut haben. Während oft betont wird, dass die Deutschen moralisch kein Erbe aus der Zeit vor 1945 beanspruchen dürfen – außer der Verantwortung für den Holocaust –, ist es umso bedeutsamer, das neue Erbe nach 1945 zu respektieren, das auf Fleiß, Disziplin und harter Arbeit beruht. Der Wiederaufbau war eine kollektive Leistung deutscher Menschen, deren Früchte nicht bedenkenlos verteilt werden dürfen, sondern vorrangig denjenigen zugutekommen sollten, die dieses Fundament mitgeschaffen oder es über Generationen mitgetragen haben.
Rechtstaatlichkeit ist nicht verhandelbar
Wer sich für eine konsequente Abschiebepraxis ausspricht, tut dies nicht aus rassistischen Motiven, sondern aus Respekt vor der Rechtsstaatlichkeit und den wirtschaftlichen Grundlagen des Landes. Der Vorwurf des Rassismus in diesem Kontext ist daher nicht nur falsch, sondern entlarvt eine selektive Wahrnehmung nach rassistischen Merkmalen bei denjenigen, die ihn erheben.
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@ bf47c19e:c3d2573b
2025-06-03 18:12:43Originalni tekst na bitcoin-balkan.com.
Pregled sadržaja
- Šta je blockchain?
- Kako mogu da saznam više o Bitcoin-u?
Ukoliko niste pročitali naš uvodni tekst o Bitcoin-u, i zašto vam je važno da to učinite, onda prvo pročitajte: Šta je Bitcoin i kako on može da nam pomogne?
Bitcoin, sa velikim B na početku, odnosi se na mrežu računara koji održavaju knjigu stanja na akauntima bitcoin digitalne valute, slično kao što banke održavaju knjigu stanja na računima dolara, eura ili neke druge valute. Bitcoin softver, odnosno protokol, takođe omogućava korisnicima da putem interneta pošalju bitcoin-e sa svog akaunta na drugi akaunt, slično PayPal-u ili Venmo-u, ali bez kompanije koja pruža uslugu prenosa. Bitcoin softver je otvorenog koda, tako da svako može da ga pokrene na svom računaru i da se pridružiti mreži.
Najbolji način da se razume kako Bitcoin funkcioniše “iznutra” je da ga zamislimo kao finansijski sistem. Naš trenutni finansijski sistem, koji uglavnom koristi dolare, eure, dinare i druge valute kao „novac“, izgleda otprilike ovako:
Centralne banke i vlade proizvode i distribuiraju novac pozajmljujući ga ljudima, i trošeći ga na oružje, puteve i socijalne programe. Ovaj sistem se naziva sistemom zasnovanom na dugovima, jer svaki put kada banka da zajam, stvara se nova valuta koja ranije nije postojala. Ova valuta ima vrednost jer dug koji ju je stvorio ima vrednost: primalac zajma obećava da će otplatiti svoj dug banci, plus kamate.
Kad god banka odobri kredit, ona stvara novu valutu. Ovo takodje važi i kada podignete hipoteku ili kredit za auto. Takođe se primenjuje i kada Američke Federalne Rezerve kupuju državne obveznice od vlade Sjedinjenih Država. U svakom od ovih slučajeva, banka šalje novonastalu valutu primaocu zajma. Primaoc zajma obećava banci da će u budućnosti vratiti tu valutu, plus kamate. Međutim, ulaz nove valute u sistem znači i da opada vrednost postojeće valute koja je u opticaju. To se dešava kroz proces koji se obično naziva inflacija.
Da bi imali koristi od pogodnih usluga koje nude banke, poput kreditnih kartica i digitalnih transfera novca, normalni ljudi i preduzeća obično novac drže na bankovnim računima. Svaka banka poseduje svoju knjigu sa računima svih svojih klijenata.
Banke su neophodne da bi omogućile digitalna plaćanja koja vršimo svakodnevno, jer su nam potrebne pouzdane strane koje bi proverile da li se sav računovodstveni sistem sabira. U suprotnom, bilo bi lako da neko uradi “copy-paste“ jednog dela digitalnog novca i da ga potroši dva puta, ili da doda par nula na stanje svog računa.
Sada razumemo nekoliko ključnih tačaka o trenutnom sistemu zasnovanom na dugu: banke proizvode novu valutu svaki put kad pozajmljuju novac, a većina ljudi svoj novac čuva u bankama koje im nude pogodnosti.
Bitcoin je malo drugačiji. Hajde da započnemo ovo putovanje sa pitanjem.
Šta ako bi svi posedovali knjigu stanja na računima, baš kao i banka?
Umesto da banke poseduju po jednu knjigu depozita svojih klijenata, šta ako svi poseduju istu knjigu, sa detaljnim opisima svih stanja na računima svih učesnika u ekonomiji? O privatnosti ne morate da brinete ni na trenutak – to ćemo objasniti kasnije.
Hajde da vidimo kako bi transakcija mogla da se izvrši koristeći ovakav bankarski sistem. Recimo da Ana želi da plati Davidu 10 digitalnih „novčića“. Ona tu transakciju zapisuje u e-mail, potpisuje je digitalno kako bi svi bili sigurni da e-mail dolazi od stvarne Ane, i šalje ga svima ostalima. Kada ostali prime taj e-mail, oni ažuriraju svoje knjige, tako što skinu 10 novčića sa Aninog računa i dodaju 10 novčića na Davidov račun.
Zašto bi se neko trudio da evidentira transakciju u svojoj knjizi?
Recimo da će prva osoba koja izvrši sledeće korake dobiti 5 novčića:
- Proverom da li je prava Ana potpisala transakciju
- Proverom da li Ana ima dovoljno sredstava na svom računu da plati Davidu 10 novčića
- Zapisivanje transakcije ukoliko ispunjava uslove 1) i 2)
Primetićete da se ovo mnogo razlikuje od trenutnog monetarnog sistema. U novom sistemu morate da imate novčiće da biste mogli da ih date nekom drugom. Ne postoje banke sa posebnim privilegijama koje mogu da stvore valutu davanjem zajma.
Umesto da dozvoljava samo maloj grupi bankara da prave nove valute, novi sistem omogućava svima da kreiraju novu valutu ako pružaju korisnu uslugu mreži: verifikovanje i evidentiranje transakcija između ljudi. Nazvaćemo ovo nagradom za potvrđivanje.
Kako se svi slože oko pravila sistema? Ona su kodirana u softverskom protokolu otvorenog koda. To znači da svako može besplatno da preuzme pravila sistema sa interneta i da počne da ih koristi za zaradu valute u sistemu. Ako svi koriste isti skup pravila, njihove knjige će se sinhronizovati, jer će prihvatiti i odbiti potpuno iste transakcije.
- Otvoreni kod = svako može da preuzme kod i da ga pročita
- Softverski protokol = skup pravila napisanih u kodu
Kako zaustaviti ljude koji pokušavaju da prevare sistem da bi zaradili “nagradu za potvrdu”?
Recimo da Boris i Marko žele da se obogate – oni bi mogli jedan drugom da plaćaju po jedan novčić u krug, vodeći računa da neko od njih prvi zabeleži transakciju kako bi mogli da zahtevaju nagradu za potvrdu. Pomoću ove šeme oni bi u osnovi mogli da stvore (odštampaju) novu valutu, kad god oni to požele!
Softverski protokol to zaustavlja zahtevajući da osoba koja validira transakciju uradi neki „posao“ sa računarom kako bi je zabeležila. Ovo osigurava da računari moraju da troše energiju za zabeležavanje transakcija, pa bi u tom slučaju varanje sistema bilo veoma skupo. Borisova i Markova šema varanja sistema više nema finansijskog smisla. Da bismo demonstrirali ovaj proces, pogledajmo Filipa i njegov C-Bot računar. Filip je na svoj računar instalirao Bitcoin protokol, koji predstavlja Bitcoin-ov softverski protokol otvorenog koda koji sadrži pravila Bitcoin sistema.
Kako C-Bot Verifikuje Transakcije
Korak 1: Slušanje transakcija
Prvo, C-Bot sluša transakcije (skraćeno “txn”) koje Ana, Boris, Marko i David emituju putem interneta.
Korak 2: Stvara “Heš”
Drugo, C-Bot će prikupiti sledeće delove podataka:
- Sve Bitcoin transakcije koje ljudi šalju
- Tajni broj (objasnićemo kasnije)
- Nonce – neki slučajan broj
C-Bot sve ovo stavlja u heš mašinu. Mašina za heširanje uzima sve ove podatke i proizvodi 256 bitova (bitovi su 1 i 0) koji se jedinstveno uklapaju u te podatke, nazvane ‘heš’. To heširanje je poput otiska prsta podataka. Uvek ćete dobiti isti heš sa istim ulaznim podacima. Mašina za heširanje je takođe jednosmerna: lako je stvoriti heš od nekih podataka, ali ne možete da stavite heš u mašinu i da vratite ulazne podatke.
C-Bot će iznova isprobavati svoju heš mašinu sa drugim nonce-om (slučajnim brojem). Svaki put, on će proveriti da li je mašina proizvela heš za koji Bitcoin softverski protokol kaže da je tačan.
Ovaj proces pronalaženja heša troši puno vremena i energije. Mašina za heširanje je jednosmerna, tako da C-Bot ne može tek tako da stavi ‘tačan’ heš u mašinu i otkrije ulazne podatke. Svaki računar na Bitcoin mreži takođe prolazi kroz ovaj proces pokušavajući da pronađe ‘ispravan’ heš.
Ukoliko bi ovi računari uspeli da pronađu ‘ispravan’ heš bez velikog trošenja energije, mogli bi da prevare sistem. Dva računara bi mogla da prosleđuju transakcije u krug, zarađujući bitcoin-e svaki put kada bi potvrdili transakciju.
Korak 3: Pronalaženje Ispravnog Heša
C-Bot konačno pronalazi heš koji zadovoljava pravila Bitcoin protokola koristeći sve nedavne transakcije. Sada ovaj blok podataka šalje na druge računare. Blok se sastoji od nedavnih transakcija, nonce-a i tajnog broja. Ti drugi računari stavljaju sve ove podatke kroz istu heš mašinu za sebe, da bi proverili da li je heširanje tog C-Bota tačno. S obzirom da znamo da računari ne mogu da varaju u ovoj igri, znamo da je C-Bot morao da izvrši neka izračunavanja sa svojom heš mašinom da bi pronašao ispravan heš.
Heš bloka C-Bota koji je poslat, sada postaje tajni broj koji ulazi u izračunavanje sledećeg bloka. Budući da heš svakog bloka u ‘blockchain-u’ bitcoin-a koristi heš poslednjeg bloka kao ulaz, bila bi potrebna apsurdna količina energije da se prepiše istorija transakcija (lanac blokova, eng. the blockchain)
Budući da se svačija stanja bitcoin-a zasnivaju na transakcijama na i sa njihovih računa, to takođe onemogućava izmenu bilo čijih stanja bitcoin-a.
Čitav ovaj proces poznat je pod nazivom rudarenje bitcoin-a. Svaki računar na mreži pokušava da proba nove podatke kroz heš mašinu, bilione puta u sekundi.
Šta je blockchain?
Blockchain predstavlja istoriju Bitcoin transakcija, koja omogućava bilo kome da utvrdi svoje Bitcoin stanje.
- ‘Block – Blok’ = Grupa Bitcoin transakcija, nonce-a i heša prethodnog bloka
- ‘Chain – Lanac’ = Heš svakog bloka takođe koristi heš prethodnog bloka kao ulaz. Ovo povezuje podatke svakog bloka sa svakim drugim blokom, stvarajući chain – lanac.
Na blockchain-u, prava imena nisu povezana sa bitcoin-ima. Bitcoin-i su povezani samo sa slučajnim nizom brojeva i slova poznatim kao ‘javni ključ’. Ovo korisnike Bitcoin-a i njihova stanja čini poprilično anonimnima za sve koji vode knjigu.
Kada posedujete bitcoin-e, vi imate password za otključavanje vaših bitcoin bankovnih računa. Ovi računi postoje na hiljadama računara širom sveta koji pokreću Bitcoin protokol.
Kako mogu da saznam više o Bitcoin-u?
Ovaj članak vam je dao razumevanje o tome kako funkcioniše Bitcoin protokol i kako se osiguravaju njegova neverovatna svojstva.
Ako želite da saznate više, preporučujem vam ove izvore:
Ako vam se sviđa moj rad, molim vas da ga podelite sa svojim prijateljima i porodicom. Cilj mi je da svima pružim pogled u ekonomiju i na to kako ona utiče na njihov život.
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@ bc6ccd13:f53098e4
2025-06-04 00:11:20If you haven’t read part 1 of this article, you should start there. This second part will build on the information I presented in part one. I’m going beyond just presenting the facts, to try and break down the broader principles behind what makes the Amish culture exceptional and whether any of those principles can be applied to solve the challenges facing the broader cultural landscape.
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It wasn’t so long ago that the mainstream conversation around population was exclusively focused on the dangers of overpopulation. The fatal flaws in the Malthusian theory had yet to be disproven clearly and obviously by observable demographic trends. That’s been gradually changing, and while it’s hardly a mainstream consensus, concerns about falling birthrates and the risk of population collapse have taken over the population conversion on the political right, and sometimes beyond.
In part 1, I walked through the life of a typical Amish person, male or female, and attempted to highlight some specific characteristics of their culture that contribute to their default large family size. I’m of course making some assumptions in doing that, and you might disagree with my opinion on the relative impact of various cultural factors. But in general, I don’t think I made too many unreasonable inferences. I laid out the facts as clearly as possible, and didn’t go too far beyond that.
In this part, I want to go beyond the facts and into the realm of hypothesis and speculation. That means I don’t have scientific studies or hard data to categorically prove my points. So if you disagree, you’re absolutely welcome to do so, but don’t expect me to tenaciously defend my opinions with reams of hard data and irrefutable evidence. My purpose is to expand the conversation, not to present a definite solution to any perceived problem.
Is there a problem to solve?
For starters, not everyone agrees that globally collapsing fertility is, in fact, a problem to be solved. Although that’s definitely the dominate consensus in the alternative media space, and is reaching a wider audience thanks to the attention of figures like Elon Musk, the average normie still believes the debunked Malthusian hypothesis that human population is on an exponential trajectory to disaster. They’re more likely to view a collapsing global population as a good thing than as an unmitigated disaster in the making. If that’s your view, you aren’t likely to find my writing particularly compelling. But if you are interested in challenging that belief, I point out some of the potential implications of population collapse here.
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If you’re already convinced that global below-replacement fertility is a problem to solve, then you’re in the right place.
Is there a solution?
The modern mind rarely stops to evaluate this question. As soon as a problem is presented, we immediately jump to searching for the ideal solution. That’s a foolish, and occasionally catastrophic, mistake. Before searching for a solution, it’s worth considering whether the possibility of a solution even exists, and more importantly, whether a potential solution would have unintended consequences less severe than the problem it’s intended to solve.
Often those questions can’t be answered until some attempts to find a solution have been made. But we should keep them at the top of our minds throughout the search. Otherwise we can easily find ourselves genetically modifying generally harmless diseases in the lab to make them deadly to humans as we search for a “solution” to disease, or cutting down and burning trees to produce electricity as we attempt to “solve” the climate.
When it comes to global fertility, I’ll give you my conclusion first. Yes, there are solutions to this problem. No, they almost certainly won’t be adopted on a large scale. And I’m not sure if that should be considered a failure.
That’s because of the nature of the problem. People act according to incentives. When global population was growing exponentially, that was because of the incentive structures influencing the choices of each individual. Now that the fertility rate has dropped dramatically, and global population is set to peak and collapse, that’s also because of the incentive structures influencing the choices of each individual. Globally.
That means something happened over the past few centuries that upset historical incentive structures globally. There’s every reason to believe that whatever happened was largely an emergent phenomenon. If it was, resetting the incentive structures would mean imposing, somehow, an incentive structure diametrically opposed to the naturally emergent structure. That somehow gives me pause. How certain are we that overruling a global emergent phenomenon is even possible, and if it were, less destructive than the alternative?
Because logically, the current trajectory will become unsustainable at some point. Fertility can’t continue to fall indefinitely, that trend ends in total extinction. So that leaves two alternative outcomes, absent the kind of global intervention I alluded to. One, it does continue to fall, and humans go extinct. I write that one off because it doesn’t align with my worldview, so as far as I’m concerned I know it won’t happen. You’re free to disagree. Or two, fertility continues to fall until the negative effects of falling population destroy the new global incentive structure of the past few centuries through the partial or total collapse of the emergent phenomenon underlying that structure. If you identify what you think that emergent phenomenon is, and conclude that it’s “too big to fail”, you should probably use some imagination and reconsider.
To take it one step further for the really esoteric thinkers, maybe the whole thing is less of a new concept and more of a certain phase of a larger cycle humans keep repeating throughout history. I’ll leave that one to your imagination.
What can we learn about potential solutions from the Amish?
Like I mentioned in part 1, looking at a group like the the Amish in this context is particularly useful. They exist as a sub-group within a larger environment, so that allows us to eliminate a lot of incorrect theories based on their similar circumstances. The Amish live on the same planet, breathe the same air, drink the same water, eat similar food, buy homes in the same housing market, work in the same labor market, etc. That casts significant doubt on a number of very popular theories on why people in America aren’t reproducing.
That leaves us to focus on the significant differences between Amish culture and mainstream American culture with full confidence that the real answer lies somewhere in those differences.
The structure of this article will be something of a stream-of-consciousness. I’m not going to attempt to isolate and breakdown every aspect of Amish culture independent of the whole, because that won’t be useful or accurate. I’m convinced that the factors influencing Amish fertility are best understood as parts of a larger structure, and not as cumulative independent variables. So I’m going to start by taking a birds-eye view of that structure, and then zooming in on how the various pieces support the whole.
Throughout the past few months, I’ve read a lot of material on this topic as I researched and refined my conclusions. To give credit where credit is due, I haven’t found anyone who expresses a view as coherent as the one Johann Kurtz gives in his article
https://becomingnoble.substack.com/p/its-embarrassing-to-be-a-stay-at
This is an excellent and well-thought-out piece, and one that’s rightfully gotten a lot of attention in the alternative media space. It’s only with a great deal of respect and serious hesitation that I disagree with any aspect of his work, and I do so in a spirit of advancing the intellectual discourse rather than any delusions of my superior knowledge or abilities as an author.
The role of status
The primary thesis of Mr. Kurtz’s article is that declining fertility is a consequence of a decline in the status of motherhood compared to the status afforded by various alternative life paths. While it wasn’t the only point I made in part 1 of this article, I did mention the relative status of parenthood within the Amish culture in various contexts. And a few months of research and reflection have convinced me that status is the correct starting point for understanding fertility, both within Amish culture and also more broadly. On that point, Mr. Kurtz and I fully agree. He says,
Specifically, I contend that the basic epistemological assumptions which underpin modern civilization result in the net status outcome of having a child being lower than the status outcomes of various competing undertakings, and that this results in a population-wide hyper-sensitivity to any and all adverse factors which make having children more difficult, whatever these may be in a given society.
That seems to me like a fair assessment of the situation.
And Mr. Kurtz mentions the Amish specifically, so he’s aware of their unusual pattern and has integrated that data into his hypothesis. I believe he’s correct in doing so.
With that said, I want to dive a little deeper into the idea of status and how it relates to the Amish specifically. I think they can give us some insights into the topic that make more sense of the broader cultural landscape.
First off, let’s define status. Mr. Kurtz lays it out this way.
Status, or ‘social status’, is a key field within sociology. The term denotes a universal set of human instincts and behaviors. Status describes the perceived standing of the individual within the group. It denotes their social value and their place within the formal and informal hierarchies which comprise a society. It finds expression in the behaviors of deference, access, inclusion, approval, acclaim, respect, and honor (and indeed in their opposites - rejection, ostracization, humiliation, and so forth).
Higher status individuals are trusted with influential decisions (power), participation in productive ventures (resources), social support (health), and access to desirable mates (reproduction).
Gaining status is a motivation for each individual to productively participate in society. Status is gained and maintained through approved behaviors (achievement, etiquette, defending the group) and through the possession of recognized ‘status symbols’ (titles, wealth, important physical assets).
As he points out, status is a relative game. One’s status is measured in relation to others in the group, not in relation to some objective metric.
In correctly understanding status, there’s a fine line between the concept of status as an end in itself, and status as a means to the benefits afforded by higher status. If there’s one fundamental complaint I have with Mr. Kurtz’s piece, it’s that he seems to lean too far into the concept of status as an end in itself. Taken to extremes, it’s the idea that status is somehow an arbitrary and external scale, and that if we can just manipulate or recreate that scale to place parenthood at the top, we can solve for higher fertility without changing any physical realities in the real world. I disagree with that concept of status.
If you look at the attributes of higher status, they’re all very much tangible, physical benefits. He lists four; power, resources, health, and reproduction. Power gives a person the ability to bend the behavior of others to their own tangible benefit. Access to resources is a direct physical benefit to a person’s survival and wellbeing. Health is also a direct physical benefit. And access to reproduction, while closely tied to emotional well-being, is also a distinctly physical benefit and one we’re hard-wired to respond to, given that the alternative is the end of that bloodline.
Along with that, there’s also the complex overlap between achievements that increase status and benefits conferred by higher status. If someone acquires a lot of wealth, that’s going to increase their relative status. But access to wealth-increasing opportunity is also a benefit of higher status. Similarly, acquiring a desirable mate definitely increases a person’s status. But achieving higher status by acquiring wealth also opens up the opportunity to attract a more desirable mate. All of these things are very closely entwined, and in my opinion, are the reason why status is such an existential concern. As Mr. Kurtz points out, a person can experience severe distress from loss of status, even if their own situation seems to be unchanged and they only lost status because others advanced faster. That makes sense when you consider that a relative loss of status still makes it more difficult to access the resources needed to maintain one’s status moving forward. So even if one’s absolute condition hasn’t changed, the fear that lower status could be the beginning of an irreversible downward spiral is very real.
With that in mind, I’m going to look at status in the Amish culture as closely tied to physical reality, and not only as a mental scoreboard to be manipulated at will.
In part 1, I mentioned status here.
When it comes to status, the benefits are just as clear. Amish life revolves around family, and nothing is higher status than a thriving family of your own.
That’s the bird’s-eye view of family and status in the Amish culture. But it’s not enough to stop there and say “we just need to create a status hierarchy that places motherhood at the top like the Amish have” and leave it at that. The important part is why the Amish status hierarchy, and the mainstream status hierarchy globally until 200 years ago, placed parenthood so high up the scale.
I don’t believe that hierarchies, including the status hierarchy, develop in a random way. I think they are, at least originally, rooted in physical realities. In other words, the status hierarchy elevates certain things because those things are useful markers of value to the group. Wealth is high-status because it implies competence and ability, which is a valuable asset to the group. Without competent people working hard and being productive, the group will be impoverished. Similarly, parenthood is high-status because reproduction is an existential concern for the group. Without it, the group goes extinct.
These status markers are enforced by the feedback loop of physical reality. If a group attempts to function with wealth way down at the bottom of their status hierarchy, the group will be poor and unsuccessful and will be dominated by a group with a functional status hierarchy. If a group attempts to function with parenthood way down at the bottom of their status hierarchy, as the mainstream culture is currently doing, they’ll go extinct and be replaced by the Amish. Hyperbolic, maybe, but I’m trying to illustrate the point. There may be a lag in the feedback loop, but reality is inevitable.
What keeps status hierarchies largely functional is that desirable behaviors tend to cluster. Incentive structures align to keep it that way. Working hard results in higher income, which increases status. Higher status and more disposable income are powerful motivators.
Beyond that, functional societies are incentivized to “help” the feedback loops of reality with social institutions. Honesty is important in maintaining a functional, productive high-trust society. So we put thieves in prison rather than letting them use their stolen wealth to increase their status, turning our society into South Africa and destroying our wealth to the point that we become globally non-competitive. These social institutions serve a very important purpose, but they begin to break down when the lag between cause and effect becomes too big for the average person to understand. At that point, they lose their public support and can no longer function, and shorter-term incentive structures “reset” the status hierarchy. Then we end up with things like a status hierarchy that no longer penalizes divorce, even though the long-term effects are devastating, because the average person can’t see past their own short-term incentives.
So let’s look at the Amish status hierarchy around family and children. Why is a large family still high-status in that culture?
One could first look at the effects of peer pressure and social conditioning. Most Amish children grow up in large families, surrounded by peers in equally large families. As they mature, they see their peers get married at a young age, and have children at a young age. Doing otherwise means swimming against the current, not fitting in with the group. And fitting in with the group is itself a kind of status marker.
While that’s certainly a powerful incentive, it doesn’t explain the difference between the Amish and broader culture. After all, that was everyone’s experience a few centuries ago at most. If inertia were enough to keep the Amish at a 6 TFR, why would everyone else fall below 2 over the same period? So while the lack of exposure to large families is a commonly invoked reason for falling birthrates, it doesn’t explain how we got here to begin with.
Mr. Kurtz has this to say about the changes brought about by the Enlightenment.
Thus the Enlightenment initially opened up new status opportunities for men (success) whilst undermining those that supported women (virtue). We all have a psychological need for status, and so it was only a matter of time before women demanded access to and participation within success games (education, commerce, politics, even sport). Unfortunately, accruing status through success games is time intensive, and unlike virtue games, trades off directly with fertility.
Over time, this set of status mechanics spread, intensified, and deepened, particularly during the process of urbanization during the Industrial Revolution. Ultimately this culminates in today, when the standard introductory question has become ‘What do you do?’. This is because the most effective way to gauge the status of one’s interlocutor is to understand their level of success within our meritocracy. Unfortunately, ‘I’m a mother’ is not a good answer to this question, because this conveys little status within a success framework, which is usually the operative one. Women are, understandably, hesitant to be continuously humiliated in this way, and will make whatever tradeoffs are necessary to ensure they have a better answer.
I think he’s onto something here. The Enlightenment did bring significant changes, and I want to zero in on the effects of the Industrial Revolution specifically. Prior to the Industrial Revolution, the family typically functioned as the primary economic unit. Wage labor was less common, and subsistence farming was widespread. In that system, every member of the family, and often the extended rather than the nuclear family, worked together to support the family unit. While there were gender roles, the husband and father’s work in the fields was less distinct from the wife and mother’s work in the home. Both often worked in directly complementary roles, for example the wife and daughters milking the cows while the father and sons fed, watered and cared for the animals. The “paid work” was just as often selling butter churned by the wife as selling grain the husband raised and harvested. There was not a distinct breadwinner versus homemaker role, all work was directly and clearly in support of the family as a whole. In that scenario, the question “what do you do?” would have been silly, and “I’m a mother” wouldn’t be fundamentally different than the husband’s answer of “I’m a farmer.” Status from an economic perspective would be clearly understood as a cooperative achievement. And since children were part of the economic unit, a large family had a very quick and direct economic feedback loop to higher status.
With the Industrial Revolution and the rise of wage labor, the primary economic unit became the individual rather than the family. Along with that came the invention of household appliances that drastically reduced the burden of domestic labor. Suddenly the financial status of the household was entirely dependent on the breadwinner. There’s no fundamental reason that should lower the status of the homemaking wife. As Mr. Kurtz pointed out, before the Enlightenment, a woman’s status was modified substantially by her husband’s status. And I would argue that’s still that case at the extremes. I doubt the wives of wealthy entrepreneurs and sports stars get asked “what do you do?” very often in their social circles. But what did happen is that the reduced burden of domestic labor gave women the potential to contribute to the family outside the homemaking role, and they began to demand more freedom and opportunity to do so. As they shifted more into that financial status hierarchy, it created a direct status tradeoff between career and children. Like Mr. Kurtz pointed out, “women demanded access to and participation within success games (education, commerce, politics, even sport)”.
The Amish managed to maintain the traditional status hierarchy by saying “no” to that demand. Amish women do not have independent access to education, commerce, politics, or sport. They don’t have the option of pursuing those status markers within the Amish culture.
As you can imagine, I don’t believe this approach will be implemented on a wider scale. I don’t see it happening across liberal democracies, since the bridge of universal suffrage has already been crossed.
The Amish maintain their social structure through their insular lifestyle and their severe ostracization of those who choose to leave. It’s a significant tradeoff to young people, so much so that most choose their family and community over the opportunities of the broader culture. The evidence shows that, given the opportunity with no significant tradeoff, most young women choose education and career over marriage and children.
Here’s the thing about this post-Enlightenment status hierarchy; it’s societal suicide. That much is obvious. So given that status hierarchies exist to serve group interests, this one is obviously terminally defective. So how did that happen? In my opinion, the underlying problem is that the lag time between anti-social behavior and its consequences has been inflated by the Industrial Revolution to the point that the social institutions meant to punish anti-social behavior have collapsed, and the short-term incentive structures now point away from parenthood.
The Amish have escaped that effect by creating a “moat” around their social group. Within that group, they artificially exclude certain things that aid and encourage anti-social behavior, and artificially enforce certain feedback loops that have become disconnected as a result of the Industrial Revolution.
I’ll give some examples.
One of the primary feedback loops for high fertility is that if you don’t have children, you have no one to care for you when you’re old and unable to work. In the bad old days of subsistence farming, there was no such thing as “saving for retirement”. Every year was a struggle for survival, and there were no functional financial instruments available to save and invest for decades in the future. The Industrial Revolution changed all that, and most importantly led to the creation of pensions and public welfare systems. Now anyone without children to care for them could be cared for in old age by one of these financial schemes. Did that fundamentally solve a problem? No, not at all. Look at the bankrupt state of global public pension schemes today, and the imminent collapse they face as the result of (checks notes)… too few young workers to support each retiree. Turns out, society actually does need everyone to have enough children to support them in old age. The Industrial Revolution just broke the direct feedback loop, so everyone doesn’t get to see the poor souls without children begging on the street or sent to the poorhouse in their old age, and can therefore conclude that not having children is a purely personal choice and won’t have any effect on their lifestyle at age 80. The Amish took a different approach. They are exempt from Social Security. They don’t pay into it, and they aren’t eligible to collect it. They can see from a young age that children care for and support their elderly parents. They know that if they don’t have children and grandchildren, their elderly years will be much more difficult and depressing. They don’t get fed any dishonest media narratives portraying some rosy alternative reality. The historical status hierarchy rewarding large families remains intact.
As another example, casual sex historically resulted in unplanned pregnancies, and without good employment opportunities or public welfare schemes, single mothers faced an extremely difficult life. With the invention of reliable contraceptives, legal abortion, good employment opportunities, court-mandated child support, and public welfare, casual sex no longer carries catastrophic consequences for women. Over the longer term, it leads to drastically reduced marriage rates, lower fertility rates, higher rates of single motherhood, dysfunctional children, and eventually societal collapse. The Amish fight this trend in various ways. First, the lack of employment opportunities for women means that they’re fundamentally dependent on family and community for support. And violating community expectations by engaging in sex outside of marriage puts that support in jeopardy. That’s a strong deterrent. The absence of sex education makes it much less likely that young people will feel comfortable engaging in casual sex without risking pregnancy, and much more likely that they’ll abstain altogether, given the significant social consequences. All on top of the religious teaching against it, which in my opinion is just additional icing on the cake. None of that does anything to diminish the human sex drive. So particularly for young men, that incentive structure makes early marriage a lot more appealing than it might otherwise be. Once again, the historical status hierarchy remains intact.
Another example would be lifestyle based. Although the Amish are no longer primarily subsistence farmers, they reject many of the modern conveniences that eliminated the labor involved in housework. Their insistence on distinctive clothing means the women still spend significant time sewing for the family. And all that clothing must be washed with much more primitive equipment than we’re accustomed to. Cooking is also more labor intensive, and eating out, ordering takeout, or buying prepared food are much less accepted. No microwave to heat up a TV dinner, or even last night’s leftovers. Gardening and preserving food is strongly encouraged. No vacuum cleaners for cleaning. Mowing the lawn might require a hand-pushed mechanical reel mower, not a ride-on garden tractor. The lack of cars makes staying home and caring for the household much less optional, for both men and women. And the large potential income disparity between men and women makes all men potentially attractive mates to all women. That eliminates the hypergamous trap we have now where the average man isn’t sufficiently high-status to attract the average woman, which leaves both groups single and frustrated while the majority of women chase an increasingly small group of men with the financial resources to actually improve their lifestyle. All those restrictions for the Amish make life much more comfortable as a team effort, for both men and women. Trying to do it all yourself would hardly be feasible. The alternative is to stay living at home with your parents, hardly a rewarding or high-status lifestyle in any cultural setting. In this case, the Amish have chosen to artificially restrict their access to the physical benefits of the Industrial Revolution. This is less about status, and more about creating conditions that make marriage a direct lifestyle benefit. Once again, it’s questionable whether all these modern technologies and conveniences can survive in an environment of collapsing global population. So the approach the Amish are taking may just be an artificial short-circuit of a feedback loop that will send us all back to the Dark Ages anyway. Regardless, they’ve managed to maintain the historical attractiveness of marriage, in this case by removing access to modern conveniences that allow us to effectively outsource labor in a way that makes the single lifestyle attractive. The attractive single lifestyle is largely historically unprecedented, and a direct result of the Industrial Revolution.
Many of the lifestyle choices of the Amish culture are less about direct effects, and more about maintaining the “moat” that keeps their culture somewhat isolated from the broader society. This makes a lot of sense when you understand that status is “the perceived standing of the individual within the group.” If you want to create your own status hierarchy, you have to create your own coherent group. The Amish severely restrict their exposure to the media and culture of the broader society. That’s a very effective way to maintain a coherent group. Amish young girls don’t feel the same pressure to pursue higher education and career over marriage and motherhood, because they don’t see a billion media references praising career and denigrating motherhood before they’re 18. And they don’t see a million “boss babes” on social media, TV, and Netflix shows flaunting the single lifestyle and bashing the patriarchy in heels. Instead, they see and hear their mothers, grandmothers, and aunts joyfully caring for and loving their large families, praised and supported by their devoted, hardworking husbands. The evidence shows that a free market in media doesn’t result in glowing depictions of parenthood that lead young people to reject career opportunities and pursue marriage instead. You can ask yourself why that might be, but that’s what history shows.
Across thousands of distinct cultural groups around the world, only a handful have rejected the dominant post-Enlightenment status hierarchy in favor of large families and traditional values. I’m not aware of any that managed it without significant insulation from the dominant culture. That tells me that the short-term incentive structure of modern society is more powerful than any historical cultural norms, and there is no passive solution that doesn’t involve collapse of that incentive structure and the civilization it rests on.
I could go into more detail on specifics of Amish culture and how they play into their status hierarchy. But you can read part 1 of the article and draw your own conclusions. I’m going to end with what’s sure to be a highly provocative list of requirements that would be necessary for the Amish status hierarchy to function across broader society. I don’t personally believe there’s any possibility of anything similar being widely adopted. And frankly, I don’t think it’s possible outside of a religious context, without the collapse of modern civilization as we know it. The collapse of modern civilization is the outcome I expect, although I’m happy to be proven wrong. So this is a philosophical exercise, not a policy prescription.
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End social acceptance of casual sex. Implement sever consequences for premarital sex or marital infidelity.
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End all forms of government financial support for the elderly. All elderly care is the responsibility of the family, or failing that, the church/community.
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End all government support for single mothers. Again, support for widows and those in other extenuating circumstances is the responsibility of the church/community.
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End all sex education in public schools. Sex education is the responsibility of the parents.
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Ban all forms of contraception, with significant penalties for violation.
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Ban abortion.
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Severely restrict access to higher education for women.
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End female participation in politics, including universal suffrage. One household, one vote. No voting by unmarried people, male or female.
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End the social and legal acceptance of divorce. No divorce permitted for any reason, and legal separation doesn’t allow for remarriage.
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End mandatory public education. Education is the responsibility of the parents.
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Ban negative messaging toward marriage and children in all forms of media.
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Severely restrict or outright eliminate social media platforms.
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Roll back child labor laws significantly.
I could add a few more, but I think that covers the essentials. If that sounds insane and offensive to you, I’m not shocked. This isn’t a policy prescription, and as I said at the beginning of the piece, I don’t necessarily believe that this is even a problem we should attempt to “fix”. The reason being, any government with the power to enforce these requirements on the world would be more concerning to me than the prospect of civilizational collapse itself. Civilization has collapsed before, many times throughout history. And we’ve always bounced back eventually. A global power of this magnitude might not be reversible.
But you should at least temper your shock and outrage with the realization that every item on that list was the accepted reality for most of human history, all the way up until the past few anomalous centuries.
My personal opinion is that too much obsession with this issue is probably a waste of time. Again, I don’t think any “solution” we come up with is likely to be less dangerous than the problem itself. I expect things to play out over a long period of time, and for the population decline to eventually degrade our interconnected, high-tech global civilization. Once many of the advances of the Industrial Revolution become widely unavailable, the natural incentive structures and status hierarchies will reemerge. And those incentive structures demand that men and women are natural allies, not enemies. We need each other, and the families we create together, to be a healthy, happy, flourishing, and productive society over the long term. If the prospect of losing our modern conveniences and going back to that world terrifies you, go befriend an Amish parent or grandparent. You’ll soon realize that they’re as happy and fulfilled in life as anyone you’ll ever meet. Life is a matter of perspective, not products. And my point in exploring this topic isn’t to spread doom, but to point out that we can make our own decisions and surround ourselves with like-minded people, and in doing so find peace and fulfillment in relationships and community instead of constantly chasing a dysfunctional, suicidal status hierarchy.
In conclusion, while writing this article, a stanza from Rudyard Kipling’s poem “The Gods of the Copybook Headings” kept coming to mind. It’s been over a hundred years since he penned these words, and the whole poem displays a prescience that’s positively uncanny. The seeds of the current issue were sown a long time ago, but there were people like him who saw the poisonous fruit coming even as the little plants were just emerging from the soil.
``` As I pass through my incarnations in every age and race, I make my proper prostrations to the Gods of the Market Place. Peering through reverent fingers I watch them flourish and fall, And the Gods of the Copybook Headings, I notice, outlast them all.
We were living in trees when they met us. They showed us each in turn That Water would certainly wet us, as Fire would certainly burn: But we found them lacking in Uplift, Vision and Breadth of Mind, So we left them to teach the Gorillas while we followed the March of Mankind.
We moved as the Spirit listed. They never altered their pace, Being neither cloud nor wind-borne like the Gods of the Market Place, But they always caught up with our progress, and presently word would come That a tribe had been wiped off its icefield, or the lights had gone out in Rome.
With the Hopes that our World is built on they were utterly out of touch, They denied that the Moon was Stilton; they denied she was even Dutch; They denied that Wishes were Horses; they denied that a Pig had Wings; So we worshipped the Gods of the Market Who promised these beautiful things.
When the Cambrian measures were forming, They promised perpetual peace. They swore, if we gave them our weapons, that the wars of the tribes would cease. But when we disarmed They sold us and delivered us bound to our foe, And the Gods of the Copybook Headings said: "Stick to the Devil you know."
On the first Feminian Sandstones we were promised the Fuller Life (Which started by loving our neighbour and ended by loving his wife) Till our women had no more children and the men lost reason and faith, And the Gods of the Copybook Headings said: "The Wages of Sin is Death."
In the Carboniferous Epoch we were promised abundance for all, By robbing selected Peter to pay for collective Paul; But, though we had plenty of money, there was nothing our money could buy, And the Gods of the Copybook Headings said: "If you don't work you die."
Then the Gods of the Market tumbled, and their smooth-tongued wizards withdrew, And the hearts of the meanest were humbled and began to believe it was true That All is not Gold that Glitters, and Two and Two make Four– And the Gods of the Copybook Headings limped up to explain it once more.
As it will be in the future, it was at the birth of Man There are only four things certain since Social Progress began. That the Dog returns to his Vomit and the Sow returns to her Mire, And the burnt Fool's bandaged finger goes wabbling back to the Fire;
And that after this is accomplished, and the brave new world begins When all men are paid for existing and no man must pay for his sins, As surely as Water will wet us, as surely as Fire will burn, The Gods of the Copybook Headings with terror and slaughter return! ```
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@ a39d19ec:3d88f61e
2025-03-18 17:16:50Nun da das deutsche Bundesregime den Ruin Deutschlands beschlossen hat, der sehr wahrscheinlich mit dem Werkzeug des Geld druckens "finanziert" wird, kamen mir so viele Gedanken zur Geldmengenausweitung, dass ich diese für einmal niedergeschrieben habe.
Die Ausweitung der Geldmenge führt aus klassischer wirtschaftlicher Sicht immer zu Preissteigerungen, weil mehr Geld im Umlauf auf eine begrenzte Menge an Gütern trifft. Dies lässt sich in mehreren Schritten analysieren:
1. Quantitätstheorie des Geldes
Die klassische Gleichung der Quantitätstheorie des Geldes lautet:
M • V = P • Y
wobei:
- M die Geldmenge ist,
- V die Umlaufgeschwindigkeit des Geldes,
- P das Preisniveau,
- Y die reale Wirtschaftsleistung (BIP).Wenn M steigt und V sowie Y konstant bleiben, muss P steigen – also Inflation entstehen.
2. Gütermenge bleibt begrenzt
Die Menge an real produzierten Gütern und Dienstleistungen wächst meist nur langsam im Vergleich zur Ausweitung der Geldmenge. Wenn die Geldmenge schneller steigt als die Produktionsgütermenge, führt dies dazu, dass mehr Geld für die gleiche Menge an Waren zur Verfügung steht – die Preise steigen.
3. Erwartungseffekte und Spekulation
Wenn Unternehmen und Haushalte erwarten, dass mehr Geld im Umlauf ist, da eine zentrale Planung es so wollte, können sie steigende Preise antizipieren. Unternehmen erhöhen ihre Preise vorab, und Arbeitnehmer fordern höhere Löhne. Dies kann eine sich selbst verstärkende Spirale auslösen.
4. Internationale Perspektive
Eine erhöhte Geldmenge kann die Währung abwerten, wenn andere Länder ihre Geldpolitik stabil halten. Eine schwächere Währung macht Importe teurer, was wiederum Preissteigerungen antreibt.
5. Kritik an der reinen Geldmengen-Theorie
Der Vollständigkeit halber muss erwähnt werden, dass die meisten modernen Ökonomen im Staatsauftrag argumentieren, dass Inflation nicht nur von der Geldmenge abhängt, sondern auch von der Nachfrage nach Geld (z. B. in einer Wirtschaftskrise). Dennoch zeigt die historische Erfahrung, dass eine unkontrollierte Geldmengenausweitung langfristig immer zu Preissteigerungen führt, wie etwa in der Hyperinflation der Weimarer Republik oder in Simbabwe.
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@ 58537364:705b4b85
2025-06-03 14:52:52“สุขเวทนา” ที่แท้ก็คือ “มายา”
เป็นเหมือนลูกคลื่นลูกหนึ่ง
ที่เกิดขึ้นเพราะน้ำถูกลมพัด
เดี๋ยวมันก็แตกกระจายไปหากต้องการจะมีชีวิตอย่างเกษมแล้ว
ก็ต้องอาศัยความรู้เรื่อง อนิจจัง ทุกขัง อนัตตา ให้สมบูรณ์
มันจะต่อต้านกันได้กับอารมณ์ คือ รูป เสียง กลิ่น รส สัมผัส ที่มากระทบ
ไม่ให้ไปหลงรัก หรือหลงเกลียดเรื่องวุ่นวายมีอยู่ ๒ อย่างเท่านั้น
- ไปหลงรัก อย่างหนึ่ง
- ไปหลงเกลียด อย่างหนึ่ง
ซึ่งเป็นเหตุให้หัวเราะและต้องร้องไห้
ถ้าใครมองเห็นว่า หัวเราะก็กระหืดกระหอบ มันเหนื่อยเหมือนกัน
ร้องไห้ก็กระหืดกระหอบ เหมือนกัน
สู้อยู่เฉย ๆ ดีกว่า อย่าต้องหัวเราะ อย่าต้องร้องไห้
นี่แหละ! มันเป็นความเกษมเราอย่าได้ตกไปเป็นทาสของอารมณ์
จนไปหัวเราะหรือร้องไห้ตามที่อารมณ์มายั่ว
เราเป็นอิสระแก่ตัว หยุดอยู่ หรือเกษมอยู่อย่างนี้ดีกว่า
ใช้ อนิจจัง ทุกขัง อนัตตา เป็นเครื่องมือกำกับชีวิต
- รูป เสียง กลิ่น รส สัมผัส เป็น มายา เป็น illusion
- "ตัวกู-ของกู" ก็เป็น illusion
- เพราะ "ตัวกู-ของกู" มันเกิดมาจากอารมณ์
- "ตัวกู-ของกู" เป็นมายา อารมณ์ทั้งหลายก็เป็นมายา
เห็นได้ด้วยหลัก อนิจจัง ทุกขัง อนัตตา
...ความทุกข์ก็ไม่เกิด
เราจะตัดลัดมองไปดูสิ่งที่เป็น “สุขเวทนา”
สุขเวทนา คือ ความสุขสนุกสนาน เอร็ดอร่อย
ที่เป็นสุขนั้นเรียกว่า “สุขเวทนา”แต่สุขเวทนา เป็นมายา
เพราะมันเป็นเหมือนลูกคลื่นที่เกิดขึ้นเป็นคราว ๆ
ไม่ใช่ตัวจริงอะไรที่พูดดังนี้ก็เพราะว่า
ในบรรดาสิ่งทั้งปวงในโลกทั้งหมดทุกโลก
ไม่ว่าโลกไหน มันมีค่าอยู่ก็ตรงที่ให้เกิดสุขเวทนาลองคิดดูให้ดีว่า...
- ท่านศึกษาเล่าเรียนทำไม?
- ท่านประกอบอาชีพ หน้าที่การงานทำไม?
- ท่านสะสมทรัพย์สมบัติ เกียรติยศ ชื่อเสียง พวกพ้องบริวารทำไม?มันก็เพื่อสุขเวทนาอย่างเดียว
เพราะฉะนั้น แปลว่า อะไร ๆ มันก็มารวมจุดอยู่ที่สุขเวทนาหมดฉะนั้น ถ้าเรามีความรู้ในเรื่องนี้
จัดการกับเรื่องนี้ให้ถูกต้องเพียงเรื่องเดียวเท่านั้น
ทุกเรื่องมันถูกหมดเพราะฉะนั้น จึงต้องดูสุขเวทนาให้ถูกต้องตามที่เป็นจริงว่า
มันก็เป็น “มายา” ชนิดหนึ่งเราจะต้องจัดการให้สมกันกับที่มันเป็นมายา
ไม่ใช่ว่า จะต้องไปตั้งข้อรังเกียจ เกลียดชังมัน
อย่างนั้นมันยิ่ง บ้าบอที่สุดถ้าเข้าไปหลงรัก หลงเป็นทาสมัน
ก็เป็นเรื่อง บ้าบอที่สุดแต่ว่าไปจัดการกับมันอย่างไรให้ถูกต้อง
นั้นแหละเป็นธรรมะ
เป็น ลูกศิษย์ของพระพุทธเจ้า
ที่จะเอาชนะความทุกข์ได้ และไม่ต้องเป็น โรคทางวิญญาณ
สุขเวทนา ที่แท้ก็คือ มายา
มันก็ต้องทำโดยวิธีที่พิจารณาให้เห็นว่า
“สุขเวทนา” นี้ ที่แท้ก็คือ “มายา”เป็นเหมือน ลูกคลื่นลูกหนึ่ง
ที่เกิดขึ้นเพราะ น้ำถูกลมพัดหมายความว่า
เมื่อ รูป เสียง กลิ่น รส ฯ เข้ามา
แล้ว ความโง่ คือ อวิชชา โมหะ ออกรับ
กระทบกันแล้วเป็นคลื่นกล่าวคือ สุขเวทนาเกิดขึ้นมา
แต่ เดี๋ยวมันก็แตกกระจายไป
ถ้ามองเห็นอย่างนี้แล้ว
เราก็ไม่เป็นทาสของสุขเวทนา
เราสามารถ ควบคุม จะจัด จะทำกับมันได้
ในวิธีที่ ไม่เป็นทุกข์- ตัวเองก็ไม่เป็นทุกข์
- ครอบครัวก็ไม่เป็นทุกข์
- เพื่อนบ้านก็ไม่เป็นทุกข์
- คนทั้งโลกก็ไม่พลอยเป็นทุกข์
เพราะมีเราเป็นมูลเหตุ
ถ้าทุกคนเป็นอย่างนี้
โลกนี้ก็มีสันติภาพถาวร
เป็นความสุขที่แท้จริงและถาวรนี่คือ อานิสงส์ของการหายโรคโดยวิธีต่าง ๆ กัน
ไม่เป็นโรค “ตัวกู” ไม่เป็นโรค “ของกู”
พุทธทาสภิกขุ
ที่มา : คำบรรยายชุด “แก่นพุทธศาสน์”
ปีพุทธศักราช ๒๕๐๔
ครั้งที่ ๑
หัวข้อเรื่อง “ใจความทั้งหมดของพระพุทธศาสนา”
ณ ศิริราชพยาบาล มหาวิทยาลัยมหิดล
เมื่อวันที่ ๑๗ ธันวาคม ๒๕๐๔ -
@ 88cc134b:5ae99079
2025-06-03 22:25:09 -
@ bf47c19e:c3d2573b
2025-06-03 18:08:44Originalni tekst na bitcoin-balkan.com.
Pregled sadržaja
- Koji Bitcoin Novčanici su Dostupni?
- Šta je Mnemonic Oporavak ili Seed Fraza sa 12 ili 24 Reči?
- Kako Čuvati Seed Frazu
- Saveti za Osiguravanje Vaše Seed Fraze
- Šta će se Desiti sa Vašim Bitcoin-om Nakon što Umrete?
- Kako Koristite Seed Frazu za Oporavak Vašeg Novčanika?
- Ako je Vaša Seed Fraza Sigurna, Biće i Vaša Sredstava!
Za one koji tek ulaze u igru sa kriptovalutama, šansa da vaša Bitcoin sredstva ne budu sigurna i zaštićena može biti pomalo zastrašujuća. Srećom, postoji mnogo user-friendly Bitcoin novčanika, i svaki od njih ima izvrsnu funkciju rezervne kopije, koja vam omogućava trenutan povraćaj Bitcoin sredstava, ako vaš uređaj na kome se nalazi novčanik ikada bude zagubljen ili izgubljen. Ova funkcija, poznata kao „seed fraza“, ili seed fraza za oporavak, predstavlja jedinstveni niz reči koje će vaš novčanik generisati, i koje deluju kao password za vaše lične Bitcoin podatke. Ovaj skup reči omogućava trenutni povraćaj vaših bitcoin sredstava.
Iako možete lako zapostaviti svoju seed frazu, misleći da ćete se kasnije pozabaviti sa njom, uvek je najbolje biti proaktivan kada je reč o osiguranju zaštite vaše fraze za oporavak. Fraza za oporavak je vaša rezervna kopija – pa iako vam neće trebati svaki dan, biće kritična u slučaju da vam se novčanik pokvari. Takođe, fraza za oporavak može da omogući svima pristup vašem bitcoin-u, pa je zato veoma važno da se ona čuva na sigurnom.
U ovom članku, prikazaću vam:
- Spisak glavnih Bitcoin hardware novčanika koje možete koristiti za skladištenje vaših Bitcoin-a.
- Sveobuhvatan pregled mnogih metoda koje možete koristiti za čuvanje vaše seed fraze
- Razne prednosti i mane za svaku od njih
- Saveti koje možete da koristite da biste maksimizirali ukupnu sigurnost svoje seed fraze
- Kako sigurno čuvati vašu seed frazu
- Kako proslediti svoj Bitcoin u slučaju vaše smrti
Kada završite sa čitanjem, trebalo bi da ste na dobrom putu da čuvate svoju seed frazu koristeći najsigurnija i najpouzdanija dostupna sredstva, obezbeđujući najveću zaštitu svojih Bitcoin sredstava bez obzira na to šta se sa vama ili vašim digitalnim uređajima dogodi u budućnosti. Za početak ćemo dati brzi pregled hardware novčanika i šta tačno predstavlja fraza za oporavak.
Koji Bitcoin Novčanici su Dostupni?
Ispod ćete pronaći listu od nekoliko najpopularnijih novčanika koji su dostupni danas. Softverski novčanici rade na vašem telefonu ili računaru, dok su hardware novčanici namenski delovi hardvera (poput specijalizovanog fleš diska) koji omogućavaju lak i siguran pristup vašem bitcoin-u uz jaku sigurnost.
Hardware (poput specijalizovanog USB fleš diska) i Software (na vašem telefonu ili računaru)
Svaki od ovih novčanika će vam dati seed frazu, koja se sastoji od 12 ili 24 reči, što će vam omogućiti pristup svim bitcoin adresama povezanim sa vašim novčanikom – a samim tim i svim vašim sredstvima.
Šta je Mnemonic Oporavak ili Seed Fraza sa 12 ili 24 Reči?
Najjednostavnije rečeno, seed fraza je niz određenih reči u kojima se nalaze sve potrebne informacije kako bi se u potpunosti povratila vaša Bitcoin sredstva. Koji god novčanik odlučite da koristite, generisaće jedinstvenu seed frazu, posebno za vas, a taj softver će vas uputiti da čuvate seed frazu na neki način, gde će biti dostupna u slučaju nužde. Seed fraza će biti jedinstvena i obično sadrži od 12 ili 24 reči, od kojih se neke mogu ponoviti. Pre nego što sačuvate seed frazu, pročitajte odeljak 4) sa našim savetima!
Seed fraza omogućava pristup vašim bitcoin sredstvima svima koji je poseduju- omogućavajući vam da povratite sredstava ako vam se novčanik pokvari, ili omogućavajući lopovu da dobije pristup vašim bitcoin-ima.
To čini vašu seed frazu vrednom poput zlatne poluge. Zbog toga je pravilno čuvanje vaše seed fraze veoma važno – morate uravnotežiti lak način oporavka i sigurnost protiv krađe i hakovanja. Međutim, s obzirom da je vaša seed fraza samo niz reči, ona se može snimati i skladištiti na mnogo jednostavniji način (i mnogo jeftinije!) od zlatne poluge – čineći je potencijalno mnogo sigurnijom.
Primarna svrha seed fraze je da ima neku vrstu fizičkog sredstva za povraćaj Bitcoin sredstava ako vas izneveri novčanik. To uključuje ako vam se sruši sistem na računaru, ako vam se ošteti hard disk, izgubite telefon ili razbijete hardware novčanik – u svakom slučaju gde vaš novčanik postane nepristupačan.
Seed fraze zasnivaju se na specifikacijama otvorenog koda kompatibilnim sa Bitcoin protokolom, što znači da dok god imate svoju seed frazu, možete koristiti mnoge druge vrste novčanika da biste povratili pristup svom bitcoin-u. Recimo da danas posedujete Trezor, ali za 10 godina vam se uređaj pokvari ili Trezor prestane da posluje – možete jednostavno kupiti drugačiji hardware novčanik ili skinuti novčanik na svoj telefon, i pomoću svoje seed fraze povratiti pristup svojim bitcoin-ima.
Kako seed fraza funkcioniše?
Seed fraze funkcionišu slično kao i bilo koji drugi oblik koda, pri čemu svaka reč predstavlja numeričku vrednost koju novčanik razume. Fraze se generišu nasumično na osnovu unapred određene baze reči. Iako ponekad imate mogućnost da smislite sopstvenu seed frazu, omogućavanje novčaniku da generiše seed frazu je najbolja opcija za vašu sigurnost.
Jedna od prednosti koja je svojstvena prirodi seed fraza je ta što se u njima koriste stvarne prepoznatljive reči na engleskom jeziku koje se mogu izvesti i upamtiti bez obzira na male greške kao rezultat ružnog rukopisa. Ovo je suprotno od mnogih drugih nasumično generisanih passworda, gde svaki karakter mora biti jasno čitljiv da bi se password mogao pravilno kreirati, jer su oni jednostavno niz slučajnih karaktera. Stoga seed fraze imaju i prednosti randomizacije, kao i prednosti lako prepoznatljivih i uobičajenih reči.
Zašto Niko Ne Može da Predpostavi Seed Frazu?
Mogli biste da pomislite da bi niz od 24 reči možda bio lak nekome da ga pretpostavi, ili da bi nekome bilo isplativo da napravi računarski ciklus mogućih kombinacija, dok ne pronadje novčanik koji sadrži neke bitcoin-e kako bi mogao da ih ukrade.
Reči za frazu za oporavak ili seed frazu dolaze sa liste koja se sastoji od 2048 reči – pa čak i seed od 12 reči za Bitcoin novčanik ima 2048^12 kombinacija ili 2^132. Procenjuje se da u univerzumu postoji 10^21 zvezda, pa je nepotrebno reći da ovo predstavlja mnogo mogućih kombinacija. Čak i kada bi svaki čovek na Zemlji danas imao 1.000.000 novčanika (čak i bez adresa), to bi iznosilo samo 7.800.000.000.000.000 novčanika – što je oko 2^53. Ovo čini negde oko polovine mogućih kombinacija, ali to bi sakrilo snagu eksponencijalnog rasta.
Kada bi svi na svetu imali po 1.000.000 bitcoin novčanika, mi bismo i dalje koristili samo 0.000000000000000000000001654% od svih mogućih novčanika. To je neuporedivo teže nego pronaći jedno određeno zrno peska u celokupnom pesku koji se nalazi na Zemlji.
Čak i taj pronalazak određenog zrna peska na ovoj plaži bila bi kao šetnja parkom nasuprot pogađanju bilo koje random seed fraze.
Dakle, prilično je sigurno reći da niko uskoro neće pokušati da pogadja bitcoin novčanike. Bila bi potrebna vojska računara i veoma dugačak vremenski period da se pronadje samo jedan novčanik sa sredstvima u tom prostranstvu.
Kako Čuvati Seed Frazu
Neverovatno je važno kako zapisujete i skladištite svoju seed frazu, s obzirom na ogromnu količinu moći koju će oni koji je poseduju imati nad vašim Bitcoin sredstvima. Takođe, budući da je poenta seed fraze da bude lako dostupna gde i kada vam zatreba, čuvanje na nekom sigurnom, ali i pristupačnom mestu, je neophodno. Specifična metoda koju koristite za transkripciju vaše seed fraze je takođe važna, bez obzira na to kako se čuva, jer se neke metode transkripcije pokazale mnogo sigurnijim od drugih.
Pogledajte naš odeljak sa savetima, pre nego što zapišete svoju seed frazu!
Preporučujemo vam da fizički sačuvate svoju seed frazu nakon što vam je softver ili hardware novčanik isporuči. Fizičko skladištenje čini vašu seed frazu manje otvorenom za hakere koji bi mogli da vam ukradu frazu za oporavak iz digitalne memorije vašeg računara ili pametnog telefona.. Međutim, mnogi ljudi će i dalje odabrati neki oblik digitalnih sredstava za čuvanje svojih seed fraza, bilo zato što je to dominantno sredstvo ili jednostavno kao dodatni oblik rezervne kopije. Hajde da pogledajmo kako fizička, a tako i digitalna sredstva koja možete koristiti za čuvanje vaše seed fraze, kako se ona koriste, i specifične prednosti i nedostatke svake od njih.
Zapisivanje Vaše Seed fraze – na Papiru ili Digitalno
Zapisivanje Vaše Seed Fraze na Papir
Naravno, najočigledniji metod unošenja vaše digitalne seed fraze u fizički svet je isti onaj metod koji biste obično koristili za unošenje bilo kog drugog oblika pisanja u fizički svet – olovkom i papirom. Jednostavno zapisivanje vaše seed fraze na papir u potpunosti može biti dovoljno da vam pruži sigurnost koju želite. Međutim, postoje neka upozorenja oko upotrebe olovke i papira koja ovu najjednostavniju metodu čine ne baš tako idealnom za čuvanje nečega toliko važnog kao što je seed fraza.
Kao prvo, sam papir je lako uništiv, a o mastilu da i ne govorimo. U slučaju poplave ili požara, papir će biti uništen, što znači da će i vaša seed fraza biti uništena zajedno sa njim. Naravno, ovo su loše vesti i za svakoga ko verovatno gubi i sav svoj hardver i opremu u požaru ili poplavi. Kao drugu stvar, papir je neverovatno lako zagubiti. Može se oduvati, pomešati sa otpadom ili jednostavno pomešati sa nečim drugim i negde izgubiti, i nikada ga više nećete videti. Iz ovih i više drugih razloga, oni koji žele da zapišu svoju seed frazu u fizički svet, često traže sredstva koja su izdržljivija i trajnija od papira.
Graviranje Vaše Seed Fraze na Čeličnoj Back-Up Ploči
Back-up ploče od nerđajućeg čelika su stvorene kako bi korisnici Bitcoin-a imali način da trajnije urežu svoje seed fraze u fizički svet od puke olovke i papira. Napravljene su od nerđajućeg čelika, na koje se vaša seed fraza može trajno urezati. Budući da je gravura napravljena na čeliku, ona će u slučaju požara ili poplave moći da traje mnogo duže od papira. Ploča može biti bilo šta, od male kartice koju možete držati u novčaniku do većeg komada koji se može trajno čuvati kod kuće ili u sefu.
Bilo koju veličinu pločice da izaberete, možete je kupiti zajedno sa alatima za samograviranje (koji nisu uvek u kompletu), što znači da korisnik ne mora da deli svoju seed frazu sa onima od kojih je kupio ploču. Budući da su ove ploče stvorene posebno za potrebe izdržavanja katastrofe, obično sadrže brojne garancije o njihovoj trajnosti, otporne su na bilo koje elemenate koje možete baciti na njih, od vode do vatre, kao i od prekomernog korišćenja i habanja.
Što se tiče back-up ploča od nerđajućeg čelika, svaki proizvođač nudi svoj jedinstveni spin. Pogledajmo 5 najboljih proizvođača back-up ploča od nerđajućeg čelika na tržištu i da vidimo kako su se pokazali:
Cryptosteel
Sa sedištem u Velikoj Britaniji, Cryptosteel nudi čelične „Kapsule“ i „Kasete“ sa cenom u eurima, s tim da je kapsula približno veličine laserskog pokazivača, a kaseta je veličine, pa, kasete. Kapsula košta 74 eura, a kaseta 108 eura, mada se nude popusti za velike narudžbine. Umesto da zahtevaju gravuru, svaka Kaseta ili Kapsula dolazi sa odredjenom količinom čeličnih pločica koje se mogu staviti prema redosledu vaše seed fraze.
Cena Rezervne Kopije Jedne Seed Fraze: 74 eura
Blockplate
Blockplate nudi čelične back-up ploče po ceni od 69 USD za dve – svaka ploča sadrži 12 reči. Njihove verzija jedne ploče, koja izgleda identično, košta 49 USD po paru. Potpuno četvrtaste i malo manje od podmetača, ove ploče vam omogućavaju da svoju seed frazu sačuvate na mreži koristeći samo prosti udarac u sredinu, nisu potrebne pločice sa slovima.
Cena Rezervne Kopije Jedne Seed Fraze: $49 (plus metalna igla za 10 $, ako vam treba)
Hodlinox
Coldbit nudi heavy-duty kartice sa futrolama po ceni od 69 eura i setove za graviranje za dodatnih 20 eura. Takođe se možete odlučiti da sami uradite graviranje pomoću alata koji imate kod kuće, a koji može urezati čelik, poput dijamantske Dremel burgije. Oslanjajući se na čistu doslovnu transkripciju sličnu Hodlinox pločama, ove ploče ipak nude malo veću zaštitu i neke sjajne dizajne.
Cena Rezervne Kopije Jedne Seed Fraze: 29 Eura
Coldbit
Coldbit nudi heavy-duty kartice sa futrolama po ceni od 69 eura i setove za graviranje za dodatnih 20 eura. Takođe se možete odlučiti da sami uradite graviranje pomoću alata koji imate kod kuće, a koji može urezati čelik, poput dijamantske Dremel burgije. Oslanjajući se na čistu doslovnu transkripciju sličnu Hodlinox pločama, ove ploče ipak nude malo veću zaštitu i neke sjajne dizajne.
Cena Rezervne Kopije Jedne Seed Fraze: 69 Eura (plus 20 eura za set za graviranje, ako vam je potreban)
Billfold by Privacy Pros
Preimenovan u Privacy Pros, brend Billfold je i dalje dostupan po ceni od 89 USD. Koristi dizajn kartice vrlo sličan Cryptosteel Kaseti, sa malim pločicama koje slažete da biste formirali svoju seed frazu.
Cena Rezervne Kopije Jedne Seed Fraze: $89
Kriptovanje Vaše Seed Fraze i Njeno Digitalno Skladištenje
Iako se generalno preporučuje da svoju seed frazu ne skladištite digitalno, oni koji su bolje upućeni u digitalnu bezbednost, ovo mogu videti kao floskulu koja se može ignorisati. Iako laici sigurno ne bi smeli da šalju i primaju svoje seed fraze e-mailom, pravilno digitalno kriptovanje i skladištenje sredstvima poput cloud-a ili USB fleš memorije mogu biti jednako sigurna i bezbedna sredstva za skladištenje, kao i fizička sredstva, poput čeličnih back-up ploča. Takođe, kada se oba sredstva koriste zajedno, to vam pruža krajnju mrežu rezervnih kopija u slučaju bilo kakvih hitnih slučajeva.
Kriptovanje možda nije nešto što je lako za svakoga, ali postoje mnoge treće strane koji će se pobrinuti da odrade kriptovanje za vas. Obavezno diskonektujte računar sa Interneta dok unosite seed u računar i izvodite kriptovanje – ne verujte online uslugama kriptovanja!
Odatle, na vama ostaje da odlučite kako ćete da je čuvate, bilo na cloud-u ili na USB fleš memoriji. Prednost čuvanja na cloud-u je u tome što podaci nisu povezani ni sa jednim fizičkim uređajem i može im se pristupiti sa bilo kog mesta pomoću passworda na cloud-u. Međutim, to takođe znači da su podaci nešto pristupačniji nego da se čuvaju na USB fleš memoriji. Zapamtite da ako se odlučite za USB fleš memoriju, ona možda neće moći da se izdrži protiv požara i vode, baš kao što to mogu prosti nefizički podaci na cloud-u. Fleš memorija koja se koristi na USB-u takođe nije dizajnirana da traje duže od 10 godina, pa imajte i to na umu.
Digitalno čuvanje seed fraze preporučujem isključivo informatičarima tj ljudima sa dosta iskustva u kriptiranju informacija. Za 99% nas čekič i čelična pločica koju čuvamo na 2 ili 3 mesta + dodatna 13. ili 25. reč je najbolje rešenje.
Gde i Kako Čuvati Svoju Seed Frazu
Bez obzira da li ste odlučili da svoju seed frazu sačuvate na čeličnoj ploči, USB-u ili jednostavno na parčetu papira, moraćete da je stavite negde – a idealno bi bilo da je stavite na više mesta u slučaju da se jedna uništi ili izgubi.
Najbolji savet koji mogu da vam dam je gde ne trebate da čuvate svoju seed frazu. Na kraju, mesto na koje stavite svoju seed frazu najbolje je da sačuvate za sebe, i zato evo nekoliko mesta na koja definitivno ne želite da stavite seed frazu, ako želite da izbegnete da upadne u pogrešne ruke.
Ne Čuvajte Svoju Seed Frazu u…
- Sef u Banci: Izgleda kao odlično mesto, zar ne? Pogrešno – banke prave greške, a kako sefovi postaju sve manje popularni, one prave još više grešaka!
- Sef u Kući: Opet se čini kao odlično mesto – međutim, ovo je prvo mesto koje će provalnik potražiti. Čak i ako ne mogu da otvore sef, većinu malih kućnih sefova moguće je lako premestiti i odneti u kolicima, i kasnije ih razbiti.
- Ispod Kreveta ili Dušeka: Klasično mesto za skrivanje novca, takođe je jedno od prvih mesta koje će provalnik pogledati.
- U Frižideru: Možda mislite da maskiranje vašeg seed-a u posudi za hranu izgleda kao dobar način zabune, ali ovo je uobičajena taktika za skrivanje dragocenosti, pa bi provalnici mogli potražiti i ovde.
- Ormarić za Nakit ili Fioke za Veš: To su uobičajena mesta za čuvanje drugih vrsta dragocenosti, pa će ih provalnik brzo pokrasti.
Budite kreativni, ali ne toliko kreativni da izgubite seed frazu, jer ne možete da se setite gde ste je sakrili.
Takođe je važno razmotriti i mogućnost pravljenja rezervnih kopija vašeg seed-a na više lokacija. Na taj način, čak i ako je jedno mesto potpuno uništeno (recimo da vam oluja odnese kuću), i dalje ćete da imate vaš seed na drugoj lokaciji.
Shamir-ovo Tajno Deljenje – Širite Vašu Frazu za Oporavak
Shamir-ovo Tajno Deljenje (eng. Shamir Secret Sharing), je algoritam koji vam omogućava da svoj seed podelite na više seed-ova koji su sami po sebi beskorisni. Međutim, njihovim rekombinovanjem vratićete vaš seed za oporavak.
Ovo je dobar korak ukoliko želite da podelite vaš seed sa vašim advokatom, računovođom, članovima porodice itd. – jer obezbeđuje da niko od njih nema pristup vašem celom seed-u.
Način na koji Shamir deluje je to što deli vaš seed na više manjih seed-ova koje možete predati pouzdanim pojedincima. Kada postavite Shamir-ov backup, odlučujete koliko ‘deljenja’ želite da kreirate i koliko delova je potrebno za oporavak vašeg celog seeda – na primer, možete da napravite 5 deljenja i kažete da su bilo koja 3 dela potrebna za oporavak vašeg seed-a.
Neki hardware novčanici, poput Trezor Model T, podržavaju Shamir Backups na user-friendly način.
Saveti za Osiguravanje Vaše Seed Fraze
Postoji mnogo opštih stvari koje morate imati na umu kada je reč o držanju vaše seed fraze na sigurnom. Neke od ovih stvari su samo zdrav razum, dok većini ljudi možda ništa neće pasti na pamet bez nečije pomoći. Neće sve metode biti praktične za sve čitaoce, ali imajte na umu da što više bezbednosnih metoda vežbate, vaša seed fraza će biti sigurnija. Učinite koliko god možete da vaša seed fraza bude sigurna i ona će vam biti pri ruci kada vam zatreba.
Ne Pravite Slike ili Screenshotove Vaše Seed Fraze
Ne slikanje vaše seed fraze je dovoljno jednostavno. Svaka slika koju napravite stvara dodatnu spoljnu datoteku koja se može duplirati, izgubiti ili ukrasti. Što je manji digitalni otisak vaše seed fraze, to je bolje. Međutim, postoji mnogo različitih načina na koje se mogu ukrasti fotografije vaše seed fraze, što može iznenaditi prosečnog čitaoca. Prvo, hakeri i ostale treće strane mogu da preuzmu sliku vaše seed fraze putem sigurnosnih kamera, poput onih na bankomatima. Takođe, kamere na računaru, telefonu i drugim ličnim uređajima mogu predstavljati još veći rizik. Iz ovih razloga, umanjivanje ukupne vidljivosti i izloženosti vaše seed fraze, i pre i posle dokumentovanja u fizičkom svetu, je apsolutna potreba.
Ne Izgovarajte Svoju Seed Frazu Naglas – Nikad!
Ako ste ikada razgovarali telefonom i Google Assistant vas je prekinuo, onda znate da vas stalno slušaju. Bilo da ste napolju u javnosti ili ste sami kod kuće, treće strane slušaju. Ako su te treće strane zainteresovane, možda će moći da dobiju pristup vašim ličnim podacima. Iz tog razloga, uzdržavanje od izgovaranja naglas vaše seed fraze treba smatrati vitalnim delom zaštite vaše seed fraze. Lakše je špijunirati nekoga preko zvuka, nego što je to slučaj sa vizuelnim elementima, pa izgovaranje naglas vaše seed fraze čini je mnogo podložnijom presretanju od strane onih koji je mogu zloupotrebiti.
Ne Čuvajte Svoju Seed Frazu u Password Menadžeru
Čuvanje vaše seed fraze u password menadžeru može se činiti sigurnim i prikladnim načinom izrade rezervnih kopija, ali to nosi velike rizike. Seed fraza se mnogo razlikuje od password za recimo vaš Facebook nalog. To je zato što su passwordi samo alati za potvrdu identiteta za centralizovane usluge – što znači da ako izgubite pristup računu ili budete hakovani, možete kontaktirati broj podrške i proći kroz neke korake da biste povratili kontrolu nad svojim nalogom.
Kod Bitcoin-a, prema njegovom dizajnu, ne postoji broj podrške. Ne postoji centralna stranka koja kontroliše Bitcoin transakcije, čineći ga neverovatno slobodnim i otvorenim – ali to takođe znači da morate vrlo ozbiljno da preuzmete odgovornost za svoju seed frazu. Ako padne u pogrešne ruke jer je vaš password menadžer hakovan, možete izgubiti svoje bitcoin-e.
Ne Koristite Online Usluge Oporavka Seed-a
Ako vam neki website traži da unesete svoju seed frazu – čak i ako vam se čini kao pouzdan – dobro razmislite pre nego što to učinite. Većina „usluga online oporavka“ su maskirane prevare, usresredjene samo na kradju seed fraza nevinih ljudi! Ne budi jedan od njih.
Koristite Pristupnu Frazu(dodatnu reč) da Biste Dodali još Sigurnosti
Trezor podešavanje pristupne fraze | Ledger podešavanje pristupne fraze
Ako vaš novčanik podržava dodavanje pristupne fraze, trebalo bi da je koristite. Pristupna fraza je password koji dodate svom seed-u i funkcioniše kao 13. ili 25. reč u vašoj seed frazi. Zbog toga je vaš novčanik mnogo teže ukrasti. Ako se pristupna fraza čuva na drugačijoj lokaciji od vašeg seed-a, vaši bitcoin-i su sigurni čak i ako neko dobije pristup vašoj seed frazi.
Zaštitite Svoju Seed Frazu
Bez obzira da li svoju seed frazu čuvate u digitalnom oblaku ili na čeličnoj ploči, postojanje nekog načina čuvanja koji štiti seed frazu od elemenata kao što su požar i poplava, mora se smatrati obaveznim. Kao što je već rečeno, čelične ploče mogu se napraviti da izdrže većinu katastrofa, a skladištenje na cloud-u pruža nefizička sredstva koja mogu biti jednako sigurna kao i druga sredstva ako koristite pravu enkripciju. Upotreba jednog ili oba ova sredstva može vam pomoći da vam garantuje maksimalnu zaštitu bez obzira na to šta se dogodi.
Koristite Više Metoda za Pravljenje Rezervnih Kopija Kad God Možete
Korišćenje nekoliko različitih metoda za čuvanje vaše seed fraze ima puno prednosti, ali ima i neke nedostatke ako im ne pristupite sa dovoljno pažnje. Iako vam više načina za skladištenje pruža veću zaštitu, to takođe proširuje vaš celokupni profil, što znači da postoji više područja koja su otvorena za napad. Ipak, korišćenje najmanje dve odvojene metode za pravljenje rezervnih kopija obično se smatra dobrom idejom, jer imate rezervne kopije za slučaj da vam se nešto desi! Nikad ne znate šta će se dogoditi, a u tome i jeste poenta seed fraza.
Ograničite Pristup Vašoj Seed Frazi što je Više Moguće
Naravno, neki ljudi mogu da se odluče da svoju seed frazu podele sa pouzdanom trećom stranom, kao sredstvo radi osiguranja njene zaštite, ali, generalno, što je manji broj ljudi sa kojima delite svoju seed frazu, time bolje. Vaša je lična odluka s kim ćete deliti svoju seed frazu, i u vašem je najboljem interesu da to pravo mudro koristite.
Ne Pričajte o Količini Bitcoin-a Koje Posedujete
Nekima je ovo možda najteži savet, ali možda i najvažniji. Ako niko ne zna da imate bitcoin, i koliko ga imate, smanjujete verovatnoću da će neko pokušati da dodje do vaše seed fraze ili novčanika. Zato držite jezik za zubima!
Šta će se Desiti sa Vašim Bitcoin-om Nakon što Umrete?
Kao i sa bilo kojim drugim sredstvom, trebalo bi da imate predstavu o tome kako će se postupati sa vašim Bitcoin-om nakon što umrete. S obzirom da je ovo relativno nova tema, nema puno presedana kada je reč o prenošenju i nasleđivanju Bitcoin-a. Iako mnogi mogu da pomisle da moraju da angažuju advokata, prenošenje Bitcoin-a zaista podrazumeva samo puko prenošenje vaše seed fraze, zajedno sa nekim vašim konkretnim srestvima.
Prilikom pripreme za prosleđivanje vaše seed fraze u slučaju vaše smrti, važno je zapamtiti da prosledite i detaljan zapis o svojoj digitalnoj imovini. Za razliku od fizičkih materijala, digitalna sredstva se ne mogu lako kvantifikovati fizičkom procenom. Ukoliko nije svesna da postoji, ta osoba možda neće znati šta tačno prima. Stoga, ona možda neće zaista primiti ono što ste joj namenili da nasledi. To je takođe razlog zašto bi svi trebali da drže svu svoju imovinu sažetom i što organizovanijom, u slučaju nužde.
Ako razumete engleski jezik preporučujem da pročitate knjigu: Cryptoasset Inheritance Planning od Pamela Morgan
Kako Koristite Seed Frazu za Oporavak Vašeg Novčanika?
Za većinu novčanika, upotreba seed fraze jednostavna je poput pritiskanja pravih tipki i kucanja iste. Odatle, seed fraza će vratiti sav sadržaj i podatke novčanika na bilo koji uređaj koji koristite. Na ovaj način, korišćenje seed fraze znači da možete imati novčanik kod sebe gde god da krenete, bez obzira na sve, čak i ako se novčanik izgubi ili uništi – sve što vam zaista treba je vaša seed fraza.
Opet, ne koristite nikakve online usluge za seed frazu! U najvećem broju slučajeva to su prevare.
Bez obzira da li koristite mobilni novčanik kao što je Muun ili hardware novčanik kao što su Trezor ili Ledger, sredstva za upotrebu vaše seed fraze su u osnovi ista – jedina razlika je hardver koji koristite za to. Kod aplikacija poput Muun jednostavno pokrenete aplikaciju i ona vam daje mogućnost oporavka prethodnog novčanika. Zatim ćete odabrati dužinu svoje seed fraze i uneti je tačno onako kako je prikazana.
Uz hardware novčanike poput onih koje je izradio Trezor, dobićete istu opciju za povratak kada pokrenete uređaj i instalirate firmware. Dobićete isti izbor da odredite dužinu svoje seed fraze, a zatim će zatražiti od vas da je unesete potpuno isto.
Ako je moguče uvjek koristite isti hardware/software wallet prilikom oporavka vaše seed fraze kao što ste koristili kad ste je pravili.
Ako je Vaša Seed Fraza Sigurna, Biće i Vaša Sredstava!
Na kraju dana, važno je da zapamtite da što više brige ulažete u pravilno skladištenje i zaštitu svoje seed fraze, to će vaša sredstva biti sigurnija i za vas i za vaše voljene. Digitalno doba predstavlja širok spektar novih opasnosti, a svet kriptovaluta je leglo za većinu njih.
Ako želite da preduzmete proaktivne mere u obezbeđivanju najveće zaštite vašeg bitcoin-a, čuvanje vaše seed fraze na sigurnom i pristupačnom mestu je neophodno. Vaša seed fraza možda sada ne izgleda kao velika stvar, ali će izgledati kao velika stvar kada dođe vreme da je upotrebite. Ukoliko želite da vi i vaša Bitcoin sredstva budete zaštićeni u slučaju nužde ili čak u slučaju vaše smrti, preduzimanje odgovarajućih sredstava za čuvanje i zaštitu vaše seed fraze je osnovni prvi korak.
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@ 629c4a12:f822cc1a
2025-02-23 21:33:31I’ve always been drawn to minimalism. There’s a certain peace that comes from stripping away the unnecessary, decluttering both physical and mental spaces. Yet, when it comes to finances, I’ve found myself tangled in complexity. As an ‘optimizer,’ I spend an inordinate amount of time thinking about investments, managing risk, and endlessly tinkering with my portfolio. This preoccupation contradicts the minimalist principles I try to live by.
It seems absurd to me that the financial world has become so complicated that we need money managers to simply preserve the value of our money. If investing is so intricate that the average person must hire professionals just to preserve (let alone grow) the value of their savings, then something is fundamentally wrong.
For the past five years, I’ve immersed myself in the history and mechanics of financial systems. The deeper I delved, the clearer it became: Bitcoin is a force of minimalism in an increasingly financialized and complex world.
The Clutter of Modern Finance
Our financial system has become bloated with complexity. The hyper-securitization of assets has created an environment filled with financial clutter. Derivatives, for example, represent layers upon layers of financial engineering, often so convoluted that even experts struggle to understand them fully.
More troubling is the way nearly everything of value has been financialized. Real estate and art, two things that should embody personal value and cultural significance, have been transformed into mere asset classes. They are bought, sold, and speculated upon not for their intrinsic qualities but as instruments in the game of wealth preservation.
But why has this happened? It’s actually quite simple: our money is constantly losing value. The dollar, for example, debases at a rate of around 7% per year. Holding cash feels like holding melting ice, so it’s only natural for people to seek out scarce assets to preserve their wealth. The Never-Ending Game of Diversification
This pursuit of scarce assets sets off a complex game—a game that forces people to diversify endlessly:
- Equities
- Bonds
- Real Estate
- Commodities
- Art
- Collectibles
We’re told to spread our investments across these asset classes to mitigate risk and preserve our hard-earned money. Those who can afford to hire money managers generally fare better in this game, as they have access to expertise and strategies designed to navigate this maze of complexity.
Ironically, this system creates an incentive for more complexity. The more convoluted the financial landscape becomes, the more we need money managers, and the more entrenched this cycle of financialization and securitization becomes. It’s a force of ever-increasing entropy—quite the opposite of minimalism.
Bitcoin: Simplicity in a Complex World
In the midst of this financial chaos, Bitcoin emerges as a beacon of simplicity. It offers a way out of the clutter, a chance to reclaim financial minimalism. Bitcoin embodies the concept of scarcity with a rare kind of perfection: there will only ever be 21 million Bitcoins. No more.
This scarcity makes Bitcoin the perfect savings technology. Unlike traditional currencies, no one can debase your holdings. You don’t need to chase after real estate, art, or other assets to preserve your wealth. You don’t need to constantly diversify and rebalance a portfolio to stay ahead of inflation. Bitcoin’s scarcity gives you a way to hold your wealth securely, without the need for endless tinkering.
I’m not blind to Bitcoin’s short-term price volatility. However, it’s crucial to understand that we’re still in the early stages of adoption. As more people embrace this perfect form of scarcity, Bitcoin’s qualities as savings technology will express itself.
Bitcoin has the potential to de-financialize the housing market. It can de-financialize art.
Ultimately, Bitcoin has the power to replace those aspects of our lives that currently serve as proxies for scarcity.
A Minimalist Approach to Wealth
Bitcoin allows us to step off the treadmill of constant financial optimization. It offers a simpler way to safeguard the fruits of our labor. Rather than spending our time, energy, and attention on navigating a complex financial system, we can focus on what truly matters: living a meaningful life.
By embracing Bitcoin, we embrace a minimalist approach to wealth. We reject the idea that we must play a never-ending game of diversification to maintain our standard of living. Instead, we adopt a simple, elegant solution that aligns with the principles of minimalism.
Conclusion
In a world that grows more financially cluttered by the day, Bitcoin stands as a path to financial minimalism. It frees us from the complexities of traditional finance, allowing us to preserve our wealth without the need for constant vigilance and management.
By embodying scarcity and simplicity, Bitcoin gives us a way to reclaim our time and energy. It’s not just a financial tool; it’s a way to simplify our lives, to step back from the chaos, and to focus on what truly matters
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@ 58537364:705b4b85
2025-06-03 14:52:11"Pleasant Feeling" Is Ultimately an Illusion
It’s like a wave That arises when water is stirred by the wind Soon, it disperses and fades away
If one wishes to live in serenity
One must fully understand the truths of impermanence (anicca), suffering (dukkha), and non-self (anattā). These truths serve as an antidote to emotional responses—forms, sounds, smells, tastes, and touches— Preventing us from falling into attachment or aversion.
There are only two kinds of turmoil in the world:
- Falling in love with something
- Falling into hatred of something
These are what lead to laughter and tears. If one can see that laughter makes you breathless, it’s exhausting just the same Crying also makes you breathless, equally tiring Better to remain calm—no need to laugh, no need to cry This is true serenity
Let us not become slaves to emotions, Laughing or crying at their whims. Let us live freely. Better to remain still and serene.
Use Impermanence, Suffering, and Non-Self as Life's Compass
- Forms, sounds, smells, tastes, and touches are illusions
- The notion of "me and mine" is also an illusion
- Because "me and mine" arise from emotional reactions
- Therefore, "me and mine" is an illusion, and so are all emotions
By understanding impermanence, suffering, and non-self, ...suffering does not arise.
Let us take a shortcut and look directly at “pleasant feeling”
Pleasant feeling refers to happiness, enjoyment, delight— That which feels good is called “pleasant feeling” (sukha-vedanā)
But pleasant feeling is an illusion Because it arises like a temporary wave— It’s not a real thing.
This is said because Among all things in all worlds, What gives them value is their ability to produce pleasant feeling.
Think carefully:
- Why do you study?
- Why do you work and perform your duties?
- Why do you accumulate wealth, prestige, fame, allies, followers?
It’s all for pleasant feeling. So everything ultimately revolves around pleasant feeling.
Therefore, if we understand this matter well And handle it properly, even this one thing alone— Then everything else falls into place.
So we must see pleasant feeling for what it really is: Just another kind of illusion
We must deal with it accordingly, Not by rejecting or hating it That would be the most foolish thing
But if we become infatuated with it, Or enslaved by it— That, too, is the most foolish thing
What matters is how we handle it properly That is the Dhamma (truth) That is being a disciple of the Buddha One who can overcome suffering, and not suffer from spiritual disease
Pleasant Feeling Is Truly an Illusion
It must be approached with the understanding that: “Pleasant feeling is, in truth, illusion.”
Like a single wave That arises when water is stirred by wind
Which means: When forms, sounds, smells, tastes, and so on come in And ignorance and delusion rise up to meet them They clash, and a wave is formed
That is, pleasant feeling arises But soon it disperses again
If we can see it this way, We won’t be slaves to pleasant feeling. We will be able to manage it, deal with it, and use it In ways that don’t lead to suffering
- We won’t suffer ourselves
- Our family won’t suffer
- Our neighbors won’t suffer
- The world won’t suffer either, Because we are no longer the cause of suffering
If everyone were like this, The world would know lasting peace A true and enduring happiness
This is the benefit of healing the illness in different ways No longer afflicted by the diseases of “me” or “mine”
Buddhadasa Bhikkhu Source: Lecture Series “The Heart of Buddhism” Year: B.E. 2504 (1961) First session Topic: “The Whole Essence of Buddhism” Location: Siriraj Hospital, Mahidol University Date: December 17, 1961
https://w3.do/-IQ1KFgp
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@ 7459d333:f207289b
2025-06-03 14:12:08Summary: Bitcoin's security depends on exponentially decreasing block rewards being compensated by exponentially increasing transaction fees, but fee growth is constrained by the block size limit and user tolerance, creating an inevitable security budget crisis when Bitcoin's price growth inevitably slows from its current exponential trajectory.
At that point, say this century, the average transaction fee should be in the 100k sats range for miners to make collectively ~0.5% of what they're protecting yearly. Currently miners are making ~0.8% yearly.
The less profitable miners are, the easier it is to convince them for attacking the network. And this only gets more economically viable to achieve as time passes and there's a larger price with a smaller relative security budget.
Am I missing something? Are you comfortable with this?
References: - https://www.btcsecuritybudget.com/ - https://x.com/fuserleer/status/1816779841955393819 - https://www.youtube.com/watch?v=0bUpF0wJrxo - https://medium.com/coinmonks/bitcoin-security-a-negative-exponential-95e78b6b575
https://stacker.news/items/996005
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@ 0d97beae:c5274a14
2025-01-11 16:52:08This article hopes to complement the article by Lyn Alden on YouTube: https://www.youtube.com/watch?v=jk_HWmmwiAs
The reason why we have broken money
Before the invention of key technologies such as the printing press and electronic communications, even such as those as early as morse code transmitters, gold had won the competition for best medium of money around the world.
In fact, it was not just gold by itself that became money, rulers and world leaders developed coins in order to help the economy grow. Gold nuggets were not as easy to transact with as coins with specific imprints and denominated sizes.
However, these modern technologies created massive efficiencies that allowed us to communicate and perform services more efficiently and much faster, yet the medium of money could not benefit from these advancements. Gold was heavy, slow and expensive to move globally, even though requesting and performing services globally did not have this limitation anymore.
Banks took initiative and created derivatives of gold: paper and electronic money; these new currencies allowed the economy to continue to grow and evolve, but it was not without its dark side. Today, no currency is denominated in gold at all, money is backed by nothing and its inherent value, the paper it is printed on, is worthless too.
Banks and governments eventually transitioned from a money derivative to a system of debt that could be co-opted and controlled for political and personal reasons. Our money today is broken and is the cause of more expensive, poorer quality goods in the economy, a larger and ever growing wealth gap, and many of the follow-on problems that have come with it.
Bitcoin overcomes the "transfer of hard money" problem
Just like gold coins were created by man, Bitcoin too is a technology created by man. Bitcoin, however is a much more profound invention, possibly more of a discovery than an invention in fact. Bitcoin has proven to be unbreakable, incorruptible and has upheld its ability to keep its units scarce, inalienable and counterfeit proof through the nature of its own design.
Since Bitcoin is a digital technology, it can be transferred across international borders almost as quickly as information itself. It therefore severely reduces the need for a derivative to be used to represent money to facilitate digital trade. This means that as the currency we use today continues to fare poorly for many people, bitcoin will continue to stand out as hard money, that just so happens to work as well, functionally, along side it.
Bitcoin will also always be available to anyone who wishes to earn it directly; even China is unable to restrict its citizens from accessing it. The dollar has traditionally become the currency for people who discover that their local currency is unsustainable. Even when the dollar has become illegal to use, it is simply used privately and unofficially. However, because bitcoin does not require you to trade it at a bank in order to use it across borders and across the web, Bitcoin will continue to be a viable escape hatch until we one day hit some critical mass where the world has simply adopted Bitcoin globally and everyone else must adopt it to survive.
Bitcoin has not yet proven that it can support the world at scale. However it can only be tested through real adoption, and just as gold coins were developed to help gold scale, tools will be developed to help overcome problems as they arise; ideally without the need for another derivative, but if necessary, hopefully with one that is more neutral and less corruptible than the derivatives used to represent gold.
Bitcoin blurs the line between commodity and technology
Bitcoin is a technology, it is a tool that requires human involvement to function, however it surprisingly does not allow for any concentration of power. Anyone can help to facilitate Bitcoin's operations, but no one can take control of its behaviour, its reach, or its prioritisation, as it operates autonomously based on a pre-determined, neutral set of rules.
At the same time, its built-in incentive mechanism ensures that people do not have to operate bitcoin out of the good of their heart. Even though the system cannot be co-opted holistically, It will not stop operating while there are people motivated to trade their time and resources to keep it running and earn from others' transaction fees. Although it requires humans to operate it, it remains both neutral and sustainable.
Never before have we developed or discovered a technology that could not be co-opted and used by one person or faction against another. Due to this nature, Bitcoin's units are often described as a commodity; they cannot be usurped or virtually cloned, and they cannot be affected by political biases.
The dangers of derivatives
A derivative is something created, designed or developed to represent another thing in order to solve a particular complication or problem. For example, paper and electronic money was once a derivative of gold.
In the case of Bitcoin, if you cannot link your units of bitcoin to an "address" that you personally hold a cryptographically secure key to, then you very likely have a derivative of bitcoin, not bitcoin itself. If you buy bitcoin on an online exchange and do not withdraw the bitcoin to a wallet that you control, then you legally own an electronic derivative of bitcoin.
Bitcoin is a new technology. It will have a learning curve and it will take time for humanity to learn how to comprehend, authenticate and take control of bitcoin collectively. Having said that, many people all over the world are already using and relying on Bitcoin natively. For many, it will require for people to find the need or a desire for a neutral money like bitcoin, and to have been burned by derivatives of it, before they start to understand the difference between the two. Eventually, it will become an essential part of what we regard as common sense.
Learn for yourself
If you wish to learn more about how to handle bitcoin and avoid derivatives, you can start by searching online for tutorials about "Bitcoin self custody".
There are many options available, some more practical for you, and some more practical for others. Don't spend too much time trying to find the perfect solution; practice and learn. You may make mistakes along the way, so be careful not to experiment with large amounts of your bitcoin as you explore new ideas and technologies along the way. This is similar to learning anything, like riding a bicycle; you are sure to fall a few times, scuff the frame, so don't buy a high performance racing bike while you're still learning to balance.
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@ e2c72a5a:bfacb2ee
2025-06-03 22:59:58While Asia silently steals the crypto spotlight, America's grip on digital assets is slipping through its fingers.
The U.S. share of Bitcoin, Ethereum, and Solana trading has dropped below 45% as Asian markets surge to capture nearly a third of global crypto activity. This power shift comes despite Bitcoin's remarkable resilience, hovering above $105,000 after weathering a $1 billion liquidation storm.
What's driving this global rebalancing? Institutional players are flooding in – Strategy purchased $2.7 billion in Bitcoin while ETFs absorbed $5.2 billion in May alone. Meanwhile, Ethereum leads the recovery charge with a 4.5% gain as its Foundation restructures to sharpen its competitive edge.
The most fascinating development? Bitcoin's rally is happening on surprisingly low volume. ETFs now represent 45% of global spot BTC market volume, suggesting this isn't retail FOMO but calculated institutional positioning.
Is this the beginning of a new global crypto order? As trade tensions simmer between the U.S. and China, will Asia's growing influence reshape the future of digital assets?
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@ eb0157af:77ab6c55
2025-06-03 18:02:27The revelation by Miles Suter, Product Lead at Block, at the Bitcoin Conference 2025 confirms the economic potential of LN for professional operators, but the yield comes mainly from routing fees
During the Bitcoin 2025 conference in Las Vegas, Miles Suter, Bitcoin Product Lead at Block Inc., revealed data that could change the economic perception of the Lightning Network: the company’s routing node is generating annual returns of 9.7% on invested liquidity.
During his presentation, Suter confirmed what many experts suspected but no one had ever quantified precisely: Lightning payment routing can be not only technically effective, but also economically profitable on a large scale. With an estimated public capacity of 184 BTC (approximately $20 million), Block is demonstrating that Lightning infrastructure can generate significant returns through the use of bitcoin as a payment method.
Non-custodial yield, with a doubt
Lightning routing represents what experts define as “true non-custodial yield” – returns generated from the pure economic utility of bitcoin as a means of payment, without having to entrust one’s funds to third parties.
“We are earning almost 10% returns on Bitcoin by effectively routing real payments on the Lightning network,” Suter declared.
Riccardo Masutti — researcher and founder of Baited — has, however, observed that the double-digit yields advertised by Block are closely tied to an exceptionally aggressive fee structure that markedly deviates from the median parameters of the Lightning Network. In particular, the Cash App nodes apply a fee rate of 2,147,483,647 ppm, resulting in fees up to 2 million times higher than the average cost of standard channel transactions. Block’s own node also enforces significant fees: to route a million satoshis, it requires 1,053 sats in outgoing fees and 2,955 sats in incoming fees, compared to a network median base fee of approximately 0.999839 sat and a median fee rate of 0.000063 sat/sat. This discrepancy suggests that the yield is generated more by a surcharge imposed on intermediated payments than by any real efficiency in liquidity allocation.
In 2024 Cash App recorded an increase in Lightning payment volume equal to 7 times that of the previous year: one in four outgoing payments now occurs via LN, Suter stated.
According to Block’s Product Lead “if Bitcoin becomes only digital gold, we have failed the mission. If we don’t use bitcoin for payments, we risk losing one of the most important promises permissionless money. If we don’t preserve the qualities of cash in the digital world, human liberty is seriously in trouble.”
The company aims to incentivize practical and daily use of bitcoin, seeing Lightning payments as the key to realizing Satoshi Nakamoto’s original vision of a “peer-to-peer electronic payment system.”
The post According to Block, routing on Lightning yields 10% annually: but the yield comes from fees appeared first on Atlas21.
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@ 88cc134b:5ae99079
2025-06-03 21:53:26How about this?
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@ cae03c48:2a7d6671
2025-06-03 13:01:05Bitcoin Magazine
Amboss Launches Rails, a Self-Custodial Bitcoin Yield ServiceAmboss, a leader in AI-driven solutions for the Bitcoin Lightning Network, today announced Rails, a groundbreaking self-custodial Bitcoin yield service. According to a press release sent to Bitcoin Magazine, it’s designed to empower companies, custodians, and high net worth individuals. This allows participants to earn a yield on their Bitcoin.
Big news from @TheBitcoinConf !
We’re thrilled to announce Rails—a self-custodial Bitcoin yield service that empowers you to earn on your BTC while supercharging the Lightning Network.Let’s bring Bitcoin to the World.https://t.co/3WYYvB95hP
— AMBOSS
(@ambosstech) May 29, 2025
Rails also launched a secure way for Liquidity Providers (LPs) to hold all custody of their Bitcoin while generating returns from liquidity leases and payment routing, although they are not guaranteed. The implementation of Amboss’ AI technology, Rails strengthened their Lighting Network with more dependable transactions and larger payment volumes.
“Rails is a transformative force for the Lightning Network,” said the CEO and Co-Founder of Amboss Jesse Shrader. “It’s not just about yield—it’s about enabling businesses to strengthen the network while earning on their Bitcoin. This is a critical step in Bitcoin’s evolution as a global medium of exchange.”
The service offers two options:
- Rails LP is designed for high net worth individuals, custodians, and companies with Bitcoin treasuries, requiring a minimum commitment of 1 BTC for one year.
- Liquidity subscriptions are designed for businesses that receive Bitcoin payments, with fees starting at 0.5%.
Amboss partnered with CoinCorner and Flux (a joint venture between Axiom and CoinCorner), to bring Rails to the market. CoinCorner has incorporated it into both its exchange platform and daily payment services in the Isle of Man. Flux is jointly focused on advancing the Lightning Network’s presence in global payments. Their participation highlights growing industry trust in Rails as a tool to scale Bitcoin effectively.
“Rails offers a practical way for businesses like ours to participate in the Lightning Network’s growth,” said the CFO of CoinCorner David Boylan. “We’ve been using the Lightning Network for years, and Rails provides a structured approach to engaging with its economy, particularly through liquidity leasing and payment routing. This aligns with our goal of making Bitcoin more accessible and practical for everyday use.”
This post Amboss Launches Rails, a Self-Custodial Bitcoin Yield Service first appeared on Bitcoin Magazine and is written by Oscar Zarraga Perez.
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@ bf47c19e:c3d2573b
2025-06-03 17:59:16Originalni tekst na bitcoin-balkan.com.
Pregled sadržaja
- Šta uzrokuje Inflaciju?
- Da li nam je infacija potrebna?
- Kako se meri inflacija?
- Da li inflacija pokreće ekonomski rast?
- Da li inflacija pokreće ili umanjuje nejednakost bogatstva?
- Gde se danas javlja inflacija?
- Šta je deflacija?
- Kakav uticaj inflacija ima na društvo?
Inflacija može da bude uznemirujuća tema, jer uključuje amorfni koncept novca. Međutim, inflacija je zapravo jednostavna tema koja je napravljena da bude složena razdvajanjem novca i drugih dobara. U ovom članku razlažemo inflaciju i njene uzroke.
Najjednostavnija definicija inflacije je rast cena dobara i usluga. Kada cene rastu, to takođe znači da vrednost jedinice novca – poput dolara – opada. Uzmimo primer McDonald’s hamburgera: 1955. ovaj skromni hamburger se prodavao za samo 15 centi. U 2018. godini se prodavao za 1,09 USD. U 2021. godini prodaje se za 2,49 USD – ogroman rast cene od 1650%.
To znači da je dolar izgubio dosta svoje vrednosti. 1955. godine mogli ste da kupite gotovo 7 hamburgera za novčanicu od jednog dolara. 2021. godine taj dolar vam ne bi kupio ni jedan hamburger. Zašto se čini da cene uvek rastu tokom vremena? I šta možete da učinite povodom toga? Ovaj članak ima za cilj da odgovori na ta pitanja.
Ekonomisti pokušavaju da sumiraju rast cena mnogih dobara i usluga kao jedan prosečan broj. Ovaj broj predstavlja promenu ukupnih troškova u godišnjim troškovima prosečnog potrošača, kao što su stanarina, hrana i gorivo.
U Sjedinjenim Državama ovaj broj je poznat kao Indeks Potrošačkih Cena, eng. Consumer Price Index (CPI). Kada se CPI poveća tokom određenog vremenskog perioda, ekonomisti kažu da imamo inflaciju. Kada se smanji, to se naziva deflacija.
Šta uzrokuje Inflaciju?
Mnogi izvori kažu da je stalna inflacija koju danas doživljavamo ili uzrokovana povećanjem potražnje (eng. demand-pull) ili smanjenjem ponude usled povećanih proizvodnih troškova (eng. cost-push).
Ovi razlozi nisu tačni – hajde da pogledamo zašto.
Da bismo razumeli pravi razlog inflacije, moramo da sagledamo dve vrste inflacije:
- Inflacija Cena: Cene vremenom rastu.
- Monetarna Inflacija: Količina valute u opticaju raste sa vremenom.
Prva, inflacija cena, retko se javlja tokom dužih perioda (decenije, vekovi) zbog povećane potražnje ili povećanih troškova. Zašto? Tržišta teže da se uravnoteže. Tokom istorije smo više puta videli da povećana potražnja za dobrom povećava njegovu cenu, što podstiče proizvođače da proizvode više tog dobra. Kada se ponuda poveća, cene se smanjuju.
Ovaj ciklus može da potraje nekoliko godina, i javlja se kod gotovo svake robe i „konačnog dobra“ (automobili, televizori, hrana itd.) na Zemlji. Izuzetak su retki metali poput zlata i srebra. Dokazi o tome su prikazani u nastavku.
Kada se poveća trošak za proizvodnju dobra, cena tog dobra često raste da bi pokrila te troškove. Ovaj rast cene dovodi do toga da potrošači tog dobra traže alternativu ili smanjuju potrošnju tog dobra, što dovodi do pada cena na prethodni nivo.
Na donja dva grafikona javlja se inflacija cena!
Tržište se prirodno uravnotežava, a cene se smanjuju ili povećanjem ponude ili smanjenjem potražnje.
Da li imamo dokaze da tržišta vremenom uravnotežuju ponudu i potražnju?
Podaci o cenama robe tokom vremena mogu nam dati bolje razumevanje da li tržišta zaista efikasno uravnotežuju ponudu i potražnju. Međutim, cene ne možemo da posmatramo u smislu nacionalnih valuta, jer naše vlade uvek štampaju više svojih nacionalnih valuta.
Oni sprovode monetarnu inflaciju, koja može da izazove inflaciju cena. Posmatranje tržišnih cena u smislu nacionalnih valuta, poput američkog dolara, je poput merenja visine lenjirom koji se neprestano smanjuje. Vaša visina u broju biće sve veća i veća, ali stvarna visina se ne menja.
Mi možemo da znamo da li tržišta uravnotežuju ponudu i potražnju gledajući cene dobara u smislu monetarnog dobra koje ima vrlo konzistentnu ponudu tokom vremena.
Vremenom se pokazalo da zlato ima najmanju monetarnu inflaciju od svih postojećih valuta i dobara. To čini zlato odličnim ‘lenjirom’ za merenje da li tržišta vremenom uravnotežuju ponudu i potražnju. Da bismo bolje razumeli inflaciju cena tokom vremena, pitaćemo koliko unci zlata nešto košta tokom vremena.
Cene u zlatu pokazuju nam da se tržišta vremenom uravnotežuju
Ako cene dobara posmatramo u obliku zlata, vidimo da cene robe prate srednje tačke tokom dužih vremenskih perioda.
Nafta, na primer, je vrlo nestabilna, ali ima tendenciju da se kreće oko 2,5 grama zlata po barelu.
WTI Sirova Nafta u gramima Zlata po Barelu
Cena nafte je promenljiva, ali tokom decenija ima tendenciju da se kreće po strani.
Cene kuća tokom proteklih 10 godina takođe su prilično stabilne, iako imamo fiksnu količinu zemlje na planeti. Vidimo da cene kuća u pogledu zlata imaju tendenciju da variraju oko indeksne cene od oko 80, prikazane na grafikonu.
Shiller-ov US indeks cena kuća u USD i zlatu
Ovaj grafikon je na logaritamskoj skali, što nam omogućava da vizualizujemo zapanjujuća povećanja u zelenoj liniji, koja predstavlja domove u dolarima.
Grafički izražene u američkim dolarima, cene ovih dobara uvek rastu – baš kao i McDonald’s hamburger. Da su povećana potražnja ili povećani troškovi odgovorni za konstantnu inflaciju cena, takođe bismo videli kako se cena ove robe povećava u smislu zlata. Podaci iznad pokazuju da su cene konstantne.
Moraju da postoje i drugi razlozi za upornu inflaciju cena koju smo videli u dolarskim iznosima tokom proteklog veka.
Evo šta znamo o tome šta dugoročno utiče na cene, kao u periodu od 1955. do 2018. godine:
- Rast produktivnosti uzrokovan inovacijama, što dovodi do pada cena tokom vremena
- Monetarna inflacija – štampanje velikih količina valute – koja uzrokuje porast cena denominovanih u toj valuti tokom vremena
Znamo da cene izražene u dolarima, eurima i ostalim valutama neprestano rastu. Ako ne mislimo da naša produktivnost kao društva ide unazad, postoji samo jedan jednostavan razlog za inflaciju cena: štampanje većih količina valute, iliti monetarna inflacija.
Naše vlade i banke su zapravo prilično iskrene u pogledu zapanjujućih količina valute koje štampaju. Oni nam svakodnevno govore da oni uzrokuju monetarnu inflaciju.
Da li nam je infacija potrebna?
Bez uporne monetarne inflacije (koja uzrokuje inflaciju cena), naša celokupna savremena ekonomija bi se srušila.
Dozvolite da vam objasnim. Sledeći odeljak može da bude šokantan, i ohrabrujem vas da i sami istražite ukoliko mislite da nisam u pravu.
Kada centralne banke i komercijalne banke daju zajmove, one stvaraju novu valutu.
Kada centralne banke daju zajmove vladama “kupujući državni dug”, one stvaraju novu valutu kada to urade. To omogućava vladama da vode budžetski deficit trošeći više nego što uzimaju od poreza. U tom procesu državni dug se nagomilava.
Komercijalne banke stvaraju novu valutu kada daju zajmove fizičkim licima i preduzećima. Jedino ograničenje koliko novog novca mogu da stvore je zakonski zahtev da banka ima na raspolaganju određeni procenat od ukupnog iznosa novca koji su ljudi deponovali. Zbog toga je naš bankarski sistem poznat kao delimična rezerva – banke pri ruci moraju da imaju samo deo vašeg novca.
Osnovni Bankarski Ciklus Frakcionih Rezervi
Stvaranje valute je neophodno da bi održalo sistem u životu
Budući da se svi zajmovi uglavnom sastoje od novostvorene valute, mora se stvoriti još više valute da bi se taj dug otplatio. A evo i zašto:
Recimo da su prošle godine sve svetske kreditne aktivnosti dovele do stvaranja 100 milijardi dolara. Svih tih 100 milijardi dolara je novostvoreno, i one se duguju bankama sa nekom dodatnom vrednošću za kamate. Odakle dolazi ova dodatna valuta za plaćanje kamata? Budući da ovde govorimo o celokupnoj svetskoj ekonomiji, to plaćanje kamata mora da dodje iz nove količine novostvorene valute.
Sve jedinice današnjih valuta nastale su pozajmljivanjem, a isplata kamate na te zajmove znači da moramo stalno da stvaramo još više nove valute. To dovodi do beskrajne monetarne inflacije. Kada nova valuta cirkuliše kroz ekonomiju, to dovodi do porasta cena: inflacije cena.
Previše monetarne inflacije može dovesti do hiperinflacije cena. U Venecueli je krajem 2018. godine piletina koštala preko 14 miliona Bolivara. Izvor: NBC News
Monetarni sistem se raspada ako se ova monetarna inflacija zaustavi, jer bi to značilo da veliki broj onih koji su uzeli zajam širom sveta ne bi mogao da vrati novac koji su pozajmili – oni ne bi izmirili svoje dugove.
Banke ili zajmodavci koji drže dug tada bi imali bezvrednu imovinu. Budući da vrednost duga podupire vrednost valute, vrednost valute bi strmoglavo padala zajedno sa dugom.
Kada ljudi izgube poverenje u ’tradicionalnu’ valutu, ona brzo postane bezvredna. To se dogodilo u Nemačkoj nakon Prvog svetskog rata, u Peruu devedesetih, Jugoslaviji 1994. ,Zimbabveu, Venecueli i sa još bezbroj drugih tradicionalnih valuta. Da bi odložile ovaj neizbežni ishod dokle god mogu, centralne banke jačaju poverenje u sistem nastavljajući da štampaju valutu stabilnim kursom.
Ovo osigurava da većina ljudi koju su uzeli zajam ima valutu za otplatu svojih kredita. Upravo to se dešava kada vlada izvrši „spas“ kao 2008. ili 2020. – oni osiguravaju da svi imaju dovoljno novca za plaćanje dugova, tako da laž može da se nastavi.
Inflacija ne dolazi iz povećanja potražnje
Sa više valute u opticaju, monetarna inflacija može da izgleda kao povećanje potražnje. Međutim, ekonomisti koji kažu da povećana potražnja pokreće stabilnu inflaciju tokom decenija propuštaju suptilnu poentu: iako monetarna inflacija može da prouzrokuje veću potrošnju, to nije zato što su ljudi zaista bogatiji, već zato što veruju da su bogatiji.
Kada se puno novca ubrizga u ekonomiju, cene jednostavno rastu jer više valute pokriva istu količinu robe. Rast cena znači pad vrednosti valute, tako da nema realnog povećanja stvarnog bogatstva, iako ljudi možda “troše više” u nominalnom iznosu valute.
Uzmimo ovaj primer: vi mesečno zarađujete 1.500 EUR, i prema svom trenutnom načinu života vi mesečno trošite oko 1.500 EUR. Dolazi vlada i počinje da vam daje dodatnih 500 EUR svakog meseca – vi se osećate poprilično dobro, zar ne? Sada možete da izlazite češće u restoran.
Međutim, vlada daje svima po 500 EUR mesečno, i svi ostali takođe troše taj novac. Ekonomista u vladinoj kancelariji, vidi da sada svi troše tih dodatnih 500 EUR mesečno i zaključuje da je vlada ‘stimulisala ekonomiju’.
Ipak, kako sav taj dodatni novac kruži ekonomijom, cene prirodno rastu. Sada vam je potrebno 2.000 EUR da biste održali svoj trenutni način života.
Da li si nešto bogatiji?
Vi možda imate više eura na vašem bankovnom računu, ali svaki od njih vam kupuje manje. Sada trošite 2.000 EUR mesečno da biste živeli životnim stilom koji vas je nekada koštao samo 1.500 EUR mesečno.
Ovo je ono što monetarna inflacija radi, i zašto je toliko pametnih ekonomista zavarano da misle da povećana potražnja, radije nego štampanje novca, pokreće trajnu inflaciju cena.
Da li smo uvek imali inflaciju?
Stalna inflacija cena relativno je nedavna pojava u modernim ekonomijama i započela je u vreme kada su Sjedinjene Države počele da konstantno štampaju valutu. Ako bi promene ponude i potražnje zaista dugoročno uzrokovale inflaciju cena, videli bismo inflaciju cena tokom istorije. Podaci govore drugačiju priču.
Indeks potrošačkih cena, koji se povećava kada imamo inflaciju cena, bio je prilično konstantan pre početka našeg trenutnog tradicionalnog ’fiat’ monetarnog sistema.
Taj sistem je započeo Bretton Woods-ovim sporazumom iz 1945. godine, a ubrzao se kada je Nixon 1971. okončao svetski zlatni standard.
Indeks potrošačkih cena, Sjedinjene Države, 1775-2012
Kako se meri inflacija?
Inflacija cena se često prikazuje kao promena indeksa potrošačkih cena (CPI). CPI je prosek cena raznih dobara koje ljudi kupuju u svakodnevnom životu: hrane, goriva, stanovanja itd. U Sjedinjenim Državama, vladin odsek pod nazivom Biro za statistiku rada (BLS) meri promene cena. To rade tako što posećuju maloprodajne radnje, beleže cene, računaju prosek i izveštavaju godišnju inflaciju kao promenu u odnosu na prošlu godinu.
Stopa inflacije koja se izveštava, je važna svima jer se koristi za određivanje povećanja troškova života i socijalnih davanja, poput plaćanja socijalnog osiguranja. Kada se CPI prilagodi naniže, isplate zarada i naknada su manje nego što bi trebalo da budu.
Efekti su se vremenom sjedinili: osoba koja u svojoj prvoj godini rada zaradi 40.000 USD zarađivaće samo 52.000 USD u svojoj desetoj godini staža, sa povećanim troškovima života od 3% da bi se plata podudarala sa inflacijom. Ako bi vlada umesto toga prijavila inflaciju od 6%, ta osoba bi u svojoj desetoj godini zarađivala 67.500 USD – tj. oko 30% više. Način na koji izračunavamo i prijavljujemo inflaciju ima ogroman uticaj na zaradu većine zaposlenih i građana.
Ovo je inflacija (procentualna promena u CPI) izmerena u poslednjih 10 godina u Sjedinjenim Državama:
Prvobitno je BLS jednostavno beležio cenu korpe robe široke potrošnje svake godine. Međutim, istraživanje Boskinove Komisije 1996. godine dovelo je do novih alata koji Birou za statistiku rada omogućavaju prilagođavanje cena u CPI. Dva najvažnija alata su geometrijsko ponderisanje i hedonika.
Geometrijsko Ponderisanje
Geometrijsko ponderisanje znači da kupovne navike sada mogu da utiču na to koliko promena cene pojedinog dobra utiče na CPI. Ako potrošači kupe manje robe, ona ima manju težinu kada se ubaci u presek indeksa potrošačkih cena. Boskinova Komisija je tvrdila da bi ova promena pomogla da se promene sklonosti potrošača. Međutim, ne postoji način da se utvrdi da li ljudi menjaju svoje kupovne navike jer zapravo žele da kupuju različite stvari. Vrlo je moguće da ljudi kupuju manje određenog dobra jer ono raste u ceni. Stoga geometrijsko ponderisanje uzrokuje da roba sa velikim rastom cena ima manje uticaja na CPI, što dovodi do niže prijavljene inflacije.
Hedonika
Hedonika omogućava Birou za statistiku rada da menja cenu dobra na osnovu njegovog opaženog povećanja ‘korisnosti’ tokom vremena. Evo primera: recimo da se televizor sa rezolucijom od 720p 2009. godine prodavao za 200 USD. U 2010. godini isti model televizora sada ima rezoluciju od 1080p i prodaje se po istoj ceni: 200 USD. Međutim, pošto se tehnologija u televizoru poboljšala, zaposleni u Birou za statistiku rada mogu da izmisle ‘korisni’ broj i pomoću njega oduzmu deo vrednosti od cene televizora. Kao rezultat, BLS može da kaže da TV košta 180 USD u 2010. godini – iako je njegova cena 200 USD. Ovo dovodi do pada prijavljene inflacije.
Oba ova prilagođavanja smanjuju prijavljenu stopu inflacije, što smanjuje povećanje troškova života i isplate naknada za socijalno osiguranje. Koliko ta prilagođavanja inflacije pogađaju radničku klasu i penzionere? Neke procene, poput procena ekonomiste John Williams-a, sa koledža u Darmouthu, stavljaju stvarnu inflaciju u SAD na u proseku 3% – 6% više nego što je izveštavano od strane Bira za statistiku rada. To bi inflaciju u 2020 dovelo do 5% – 8%, umesto na prijavljenih 2%.
U 2021. godini prijavljena inflacija je 5.4%, u prvom kvartalu.
Da li inflacija pokreće ekonomski rast?
Mnogi ljudi veruju da stabilna inflacija pokreće ekonomski rast podstičući investicije i potrošnju umesto štednje. Međutim, osnovni ekonomski podaci pobijaju ovu uobičajenu tvrdnju.
Ako za primer uzmemo Sjedinjene Države, nacija je imala samo kratke periode inflacije od 1775. do oko 1950. godine, kao što pokazuje indeks potrošačkih cena koji je ostao nepromenjen. Inflacija dobija zamah tek nakon 1971. godine, pa bi bilo za očekivati da će i stopa rasta bruto domaćeg proizvoda (BDP) Sjedinjenih Država porasti nakon 1971. godine.
Indeks potrošačkih cena, Sjedinjene Države, 1775-2012
Međutim, vidimo da se bruto domaći proizvod (BDP) po stanovniku u Sjedinjenim Državama, uobičajena mera ekonomske snage, neprekidno povećavao od 1820. godine do danas po stopi od oko 1,85% godišnje. Ne postoji porast oko 1971. godine, uprkos rastućoj inflaciji koja je započela u to vreme.
Ovo je logaritamski grafikon, koji nam omogućava da bolje vizualizujemo rast tokom vremena: što više logaritamski grafikon podseća na pravu liniju, to je stopa promene konzistentnija. Za više detalja, ovde pogledajte naslov: Rast na tehnološkoj granici i rast dostizanja.
To pokazuje da inflacija ne pokreće ekonomski rast.
Nažalost, imamo dokaze da inflacija ima i druge neželjene posledice, poput nejednakosti bogatstva. Koncentracija bogatstva u top 1%, počela je da raste krajem 1970-ih, nekoliko godina nakon što su Sjedinjene Države skinule svet sa zlatnog standarda i pretvorile se u monetarni sistem zasnovan na dugovima koji zahteva monetarnu inflaciju, a time i inflaciju cena, da bi preživeo.
Za potpunu istoriju tranzicije novca sa robnog sistema na dužni sistem, pročitajte naš članak o novcu.
Da li inflacija pokreće ili umanjuje nejednakost bogatstva?
Veza između inflacije i nejednakosti bogatstva postaje jasna kada pogledamo kako novostvorena valuta ulazi u ekonomiju. Vlade, komercijalne banke, velike korporacije i bogati često koriste kredite da bi iskoristili prednosti svojih moći. Kada podignu kredite, oni novonastalu valutu dobijaju ranije od svih ostalih. Oni imaju koristi od inflacije trošenjem nove valute pre nego što cene počnu da rastu kao rezultat te nove valute koja kruži u ekonomiji. Veliki i bogati subjekti često mogu da dobiju kredite po nižim troškovima od prosečnog građanina ili malog preduzeća. To znači da mogu da povećaju svoje poslovanje i bogatstvo brže od manjih firmi.
Bogati mogu da dobiju jeftine zajmove, zahvaljujući Federalnim Rezervama koje zadržavaju niske kamatne stope. To im omogućava da koriste ovo prednost za ostvarivanje ogromne dobiti.
Inflacija pogadja one koji rade za platu i ne mogu da ulože veći deo svog prihoda. Zarade se polako menjaju, ponekad se uskladjuju samo jednom godišnje. Kao rezultat, cene osnovnih dobara i usluga često rastu mnogo pre nego što zarade porastu. Cena potrošačke korpe takođe se smanjuje sa manipulacijama indeksom potrošačkih cena (CPI) koji skriva rast inflacije.
Gde se danas javlja inflacija?
Rekordno visoka inflacija javlja se u zemljama kao što su Venecuela, Zimbabve, Turska, Iran, Kuba, Južna Afrika i Argentina. To dovodi do sloma trgovine i političke nestabilnosti.
Just incase no one knows what Durban looks like pic.twitter.com/x899TIlbkI
— Mohamed Yusuf (@_MohamedYusuf) July 13, 2021U razvijenom svetu vlade izveštavaju o niskoj inflaciji cena. Međutim, globalni bankarski sistem stvara nove valute u tonama – u toku je velika monetarna inflacija. Centralne banke dovode do sve većeg stvaranja valuta snižavanjem kamatnih stopa. To dovodi do toga da korporacije i pojedinci mogu da uzimaju jeftinije kredite, a svaki kredit znači stvaranje nove valute. Od 2008. godine, gotovo sve glavne centralne banke postavile su kamatne stope blizu nule.
Mnoge centralne banke takođe su pozajmljivale ogromne iznose vladama i bankama koje su propale nakon finansijske krize 2008. godine. Za samo nekoliko meseci, ovo je udvostručilo (ponekad utrostručilo ili učetvorostručilo) novčanu masu mnogih nacija. Oni su ovo nazvali „kvantitativno ublažavanje“.
Ako banke koriste toliku monetarnu inflaciju, zašto onda mi ne vidimo inflaciju cena?
Jednostavno rečeno, većina nove valute nije dospela u ruke običnih ljudi. Kada obični ljudi budu mogli da potroše novoštampanu valutu na svoje svakodnevne potrebe, tada ćemo videti rast CPI i inflacije.
Danas većina valuta ulazi u svet putem bankarskih zajmova, pa banke igraju veliku ulogu u tome gde se dešava inflacija. Banke prvenstveno pozajmljuju vrlo ‘sigurnim’ klijentima poput bogatih pojedinaca, vlada i velikih korporacija. Ovi subjekti kupuju luksuznu robu, umetnička dela, finansijsku imovinu i državne obveznice.
Cene ovih vrsta imovine nisu uključene u CPI, tako da je prijavljena inflacija niska. Kao rezultat, povećanje plata i isplate socijalnog osiguranja su takođe na niskom nivou.
Bogati su uživali u periodu od 2008. do 2021. godine, kada je njihova imovina upumpavana sa velikom količinom novog novca proizvedenog od bankarskih kredita!
Šta se dešava kada nova valuta dodje u ruke običnih ljudi?
Nažalost, jednog dana će sva ova nova valuta da uđe u normalnu ekonomiju i time će se povećati cene svakodnevne robe. To je poćelo da se dešava 2021. godine kao rezultat stimulativnih programa COVID-19 u Sjedinjenim Državama, koji su ljudima distribuirali trilione dolara. Iako je ovo zasigurno poželjnije od spašavanja korporacija, svaka vrsta spašavanja koja uključuje štampanje novca ima gadne dugoročne efekte.
Ovo što sada doživljavamo dogodilo se u Nemačkoj tokom i posle Prvog svetskog rata. Cene u Nemačkoj su zapravo pale tokom Prvog svetskog rata uprkos velikom stvaranju valute od strane Nemačke centralne banke. Nisko poverenje u ekonomiju sprečavalo je nemački narod da troši novac. Međutim, kad se rat završio i kada su ljudi ponovo počeli da ga troše, cene su vrlo naglo skočile i valuta je postala bezvredna. To bi moglo da se dogodi 2020-ih u Sjedinjenim Državama, sa obzirom na predložene programe podsticaja.
Politike poput Univerzalnog Osnovnog Dohotka, eng. Universal Basic Income (UBI), koje izgledaju pogodne za njihova obećanja da će “spasiti ljude”, takođe mogu da pokrenu hiperinflaciju. Obični ljudi bi se osećali imućnije, trošili bi svoju novoštampanu valutu i doveli do brzog rasta cena. Ovo bi u suštini poništilo pozitivan uticaj građana koji dobijaju “besplatan novac” svakog meseca.
Pa kako onda vi možete da zaštitite svoju ušteđevinu od inflacije? Kupujte imovinu koja je retka, potcenjena i koju vlade teško mogu da prigrabe. Ova imovina su plemeniti metali poput zlata, i Bitcoin.
Šta je deflacija?
Deflacija znači pad cena tokom vremena. Mnogi ekonomisti kažu da će ovo dovesti do toga da ljudi gomilaju valutu i da će dovesti do ekonomskog kolapsa, jer ljudi prestaju da kupuju robu i ulažu u preduzeća. To jednostavno nije tačno, jer ljudi uvek imaju potrebe i želje zbog kojih kupuju odredjenu robu. Stalni pad cena tokom vremena jednostavno bi promenio psihologiju potrošačke kulture u kojoj živimo.
Potrošačka kultura potiče od inflacije
Kako je to istina? Pogledajmo na sledećem primeru. Recimo da želite novi auto i da imate dovoljno novca da ga kupite. Poznato je da u našem svetu zbog stalne inflacije vaš novac vremenom postaje sve manje i manje vredan. U paralelnom svemiru u kojem se javlja stalna deflacija, vaš novac vremenom postaje sve vredniji.
- Uz konstantnu inflaciju, auto će koštati nešto više sledeće godine, i nešto više naredne godine. Niste sigurni gde da uložite novac da biste sa vremenom sigurno očuvali njegovu kupovnu moć. Ako niste sigurni da li ćete da kupite auto, ima više finansijskog smisla da ga kupite odmah, da biste dobili najbolju ponudu.
- Uz konstantnu deflaciju, auto će koštati nešto manje sledeće, i još manje naredne godine. Ako samo čuvate vaš novac, sledeće godine ćete dobiti bolju ponudu za auto. Ako niste sigurni da li ćete da kupite auto, ima više finansijskog smisla da sačekate malo duže da biste dobili bolju ponudu.
Sada razmislite o ta dva scenarija, pomnožena bilionima ljudi i proizvoda. Uz konstantnu inflaciju, svako ima malo više razloga da kupuje stvari upravo sada. Uz konstantnu deflaciju, svi sada imaju malo manje razloga da kupuju. Upravo na taj način inflacija je u osnovi naše materijalističke, potrošačke kulture. Deflacija bi mogla da bude lek.
Inflacija uzrokuje loše investicije
Vaš novac godišnje gubi “2%” svoje vrednosti zbog inflacije. Sada, recimo da vas Stefan pita da investirate u njegov Fast food. Nakon uvida u brojeve, verujete da ćete ovom investicijom izgubiti 1% od vrednosti svog novca. Gubitak od 1% u Stefanovom poslu bolji je od gubitka od 2% zbog inflacije, pa se vi odlučujete da uložite. Ovo je loša investicija, eng. malinvestment – investirajući vi ćete da izgubite deo vrednosti. Međutim, čuvanje valute je još gore, zato ulažete.
Loša investicija: isto kao bacanje novca u smeće.
Mnogi investitori, poput penzijskih fondova, danas su prisiljeni da investiraju u neprofitabilne biznise zbog investicionih mandata i same veličine njihove ‘imovine pod upravljanjem’.
Pristalice konstantno niske inflacije veruju da bi deflacija smanjila investicije. Međutim, to bi samo smanjilo ulaganje u preduzeća sa negativnim očekivanim prinosom poput Stefanovog Fast food-a. Na primer, recimo da je deflacija u proseku oko 2% godišnje. Na ovom tržištu investitori bi jednostavno prestali da ulažu u projekte za koje misle da će im zaraditi manje od 2% godišnjeg povrata ulaganja.
Neznatno deflaciona valuta obeshrabriće ulaganja u lažna i loša preduzeća i podstaći ulaganje u solidna preduzeća koja svetu dodaju vrednost.
Kakav uticaj inflacija ima na društvo?
Inflacija pokreće povećanu potrošnju, smanjenu štednju i povećani dug. Sve ove stvari dovode do toga da većina ljudi mora da radi više sati i duže u starosti. Iako inflacija kažnjava one koji rade za platu, ona obogaćuje vlasnike bilo koje imovine koja dobija na ceni kada nova valuta uđe u sistem. Ova imovina uključuje akcije, umetnička dela, nekretnine i drugu imovinu koju bogataši koriste za čuvanje svog bogatstva.
Vremenom ljudi i firme izmišljaju nove načine za jeftinije stvaranje dobara i usluga višeg kvaliteta. Ovo je poznato kao ‘rast produktivnosti’ i trebalo bi da uzrokuje da cene tokom vremena konstantno padaju, a ne da rastu. Samo konstantno stvaranje valute koje je neophodno zbog monetarnog sistema zasnovanog na dugu naše vlade uzrokuje stalnu inflaciju i njene loše efekte.
Ako vam se sviđa moj rad, molim vas da ga podelite sa svojim prijateljima i porodicom. Cilj mi je da svima pružim pogled u ekonomiju i na to kako ona utiče na njihov život.
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@ 37fe9853:bcd1b039
2025-01-11 15:04:40yoyoaa
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@ 62033ff8:e4471203
2025-01-11 15:00:24收录的内容中 kind=1的部分,实话说 质量不高。 所以我增加了kind=30023 长文的article,但是更新的太少,多个relays 的服务器也没有多少长文。
所有搜索nostr如果需要产生价值,需要有高质量的文章和新闻。 而且现在有很多机器人的文章充满着浪费空间的作用,其他作用都用不上。
https://www.duozhutuan.com 目前放的是给搜索引擎提供搜索的原材料。没有做UI给人类浏览。所以看上去是粗糙的。 我并没有打算去做一个发microblog的 web客户端,那类的客户端太多了。
我觉得nostr社区需要解决的还是应用。如果仅仅是microblog 感觉有点够呛
幸运的是npub.pro 建站这样的,我觉得有点意思。
yakihonne 智能widget 也有意思
我做的TaskQ5 我自己在用了。分布式的任务系统,也挺好的。
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@ 23b0e2f8:d8af76fc
2025-01-08 18:17:52Necessário
- Um Android que você não use mais (a câmera deve estar funcionando).
- Um cartão microSD (opcional, usado apenas uma vez).
- Um dispositivo para acompanhar seus fundos (provavelmente você já tem um).
Algumas coisas que você precisa saber
- O dispositivo servirá como um assinador. Qualquer movimentação só será efetuada após ser assinada por ele.
- O cartão microSD será usado para transferir o APK do Electrum e garantir que o aparelho não terá contato com outras fontes de dados externas após sua formatação. Contudo, é possível usar um cabo USB para o mesmo propósito.
- A ideia é deixar sua chave privada em um dispositivo offline, que ficará desligado em 99% do tempo. Você poderá acompanhar seus fundos em outro dispositivo conectado à internet, como seu celular ou computador pessoal.
O tutorial será dividido em dois módulos:
- Módulo 1 - Criando uma carteira fria/assinador.
- Módulo 2 - Configurando um dispositivo para visualizar seus fundos e assinando transações com o assinador.
No final, teremos:
- Uma carteira fria que também servirá como assinador.
- Um dispositivo para acompanhar os fundos da carteira.
Módulo 1 - Criando uma carteira fria/assinador
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Baixe o APK do Electrum na aba de downloads em https://electrum.org/. Fique à vontade para verificar as assinaturas do software, garantindo sua autenticidade.
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Formate o cartão microSD e coloque o APK do Electrum nele. Caso não tenha um cartão microSD, pule este passo.
- Retire os chips e acessórios do aparelho que será usado como assinador, formate-o e aguarde a inicialização.
- Durante a inicialização, pule a etapa de conexão ao Wi-Fi e rejeite todas as solicitações de conexão. Após isso, você pode desinstalar aplicativos desnecessários, pois precisará apenas do Electrum. Certifique-se de que Wi-Fi, Bluetooth e dados móveis estejam desligados. Você também pode ativar o modo avião.\ (Curiosidade: algumas pessoas optam por abrir o aparelho e danificar a antena do Wi-Fi/Bluetooth, impossibilitando essas funcionalidades.)
- Insira o cartão microSD com o APK do Electrum no dispositivo e instale-o. Será necessário permitir instalações de fontes não oficiais.
- No Electrum, crie uma carteira padrão e gere suas palavras-chave (seed). Anote-as em um local seguro. Caso algo aconteça com seu assinador, essas palavras permitirão o acesso aos seus fundos novamente. (Aqui entra seu método pessoal de backup.)
Módulo 2 - Configurando um dispositivo para visualizar seus fundos e assinando transações com o assinador.
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Criar uma carteira somente leitura em outro dispositivo, como seu celular ou computador pessoal, é uma etapa bastante simples. Para este tutorial, usaremos outro smartphone Android com Electrum. Instale o Electrum a partir da aba de downloads em https://electrum.org/ ou da própria Play Store. (ATENÇÃO: O Electrum não existe oficialmente para iPhone. Desconfie se encontrar algum.)
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Após instalar o Electrum, crie uma carteira padrão, mas desta vez escolha a opção Usar uma chave mestra.
- Agora, no assinador que criamos no primeiro módulo, exporte sua chave pública: vá em Carteira > Detalhes da carteira > Compartilhar chave mestra pública.
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Escaneie o QR gerado da chave pública com o dispositivo de consulta. Assim, ele poderá acompanhar seus fundos, mas sem permissão para movimentá-los.
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Para receber fundos, envie Bitcoin para um dos endereços gerados pela sua carteira: Carteira > Addresses/Coins.
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Para movimentar fundos, crie uma transação no dispositivo de consulta. Como ele não possui a chave privada, será necessário assiná-la com o dispositivo assinador.
- No assinador, escaneie a transação não assinada, confirme os detalhes, assine e compartilhe. Será gerado outro QR, desta vez com a transação já assinada.
- No dispositivo de consulta, escaneie o QR da transação assinada e transmita-a para a rede.
Conclusão
Pontos positivos do setup:
- Simplicidade: Basta um dispositivo Android antigo.
- Flexibilidade: Funciona como uma ótima carteira fria, ideal para holders.
Pontos negativos do setup:
- Padronização: Não utiliza seeds no padrão BIP-39, você sempre precisará usar o electrum.
- Interface: A aparência do Electrum pode parecer antiquada para alguns usuários.
Nesse ponto, temos uma carteira fria que também serve para assinar transações. O fluxo de assinar uma transação se torna: Gerar uma transação não assinada > Escanear o QR da transação não assinada > Conferir e assinar essa transação com o assinador > Gerar QR da transação assinada > Escanear a transação assinada com qualquer outro dispositivo que possa transmiti-la para a rede.
Como alguns devem saber, uma transação assinada de Bitcoin é praticamente impossível de ser fraudada. Em um cenário catastrófico, você pode mesmo que sem internet, repassar essa transação assinada para alguém que tenha acesso à rede por qualquer meio de comunicação. Mesmo que não queiramos que isso aconteça um dia, esse setup acaba por tornar essa prática possível.
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@ 207ad2a0:e7cca7b0
2025-01-07 03:46:04Quick context: I wanted to check out Nostr's longform posts and this blog post seemed like a good one to try and mirror. It's originally from my free to read/share attempt to write a novel, but this post here is completely standalone - just describing how I used AI image generation to make a small piece of the work.
Hold on, put your pitchforks down - outside of using Grammerly & Emacs for grammatical corrections - not a single character was generated or modified by computers; a non-insignificant portion of my first draft originating on pen & paper. No AI is ~~weird and crazy~~ imaginative enough to write like I do. The only successful AI contribution you'll find is a single image, the map, which I heavily edited. This post will go over how I generated and modified an image using AI, which I believe brought some value to the work, and cover a few quick thoughts about AI towards the end.
Let's be clear, I can't draw, but I wanted a map which I believed would improve the story I was working on. After getting abysmal results by prompting AI with text only I decided to use "Diffuse the Rest," a Stable Diffusion tool that allows you to provide a reference image + description to fine tune what you're looking for. I gave it this Microsoft Paint looking drawing:
and after a number of outputs, selected this one to work on:
The image is way better than the one I provided, but had I used it as is, I still feel it would have decreased the quality of my work instead of increasing it. After firing up Gimp I cropped out the top and bottom, expanded the ocean and separated the landmasses, then copied the top right corner of the large landmass to replace the bottom left that got cut off. Now we've got something that looks like concept art: not horrible, and gets the basic idea across, but it's still due for a lot more detail.
The next thing I did was add some texture to make it look more map like. I duplicated the layer in Gimp and applied the "Cartoon" filter to both for some texture. The top layer had a much lower effect strength to give it a more textured look, while the lower layer had a higher effect strength that looked a lot like mountains or other terrain features. Creating a layer mask allowed me to brush over spots to display the lower layer in certain areas, giving it some much needed features.
At this point I'd made it to where I felt it may improve the work instead of detracting from it - at least after labels and borders were added, but the colors seemed artificial and out of place. Luckily, however, this is when PhotoFunia could step in and apply a sketch effect to the image.
At this point I was pretty happy with how it was looking, it was close to what I envisioned and looked very visually appealing while still being a good way to portray information. All that was left was to make the white background transparent, add some minor details, and add the labels and borders. Below is the exact image I wound up using:
Overall, I'm very satisfied with how it turned out, and if you're working on a creative project, I'd recommend attempting something like this. It's not a central part of the work, but it improved the chapter a fair bit, and was doable despite lacking the talent and not intending to allocate a budget to my making of a free to read and share story.
The AI Generated Elephant in the Room
If you've read my non-fiction writing before, you'll know that I think AI will find its place around the skill floor as opposed to the skill ceiling. As you saw with my input, I have absolutely zero drawing talent, but with some elbow grease and an existing creative direction before and after generating an image I was able to get something well above what I could have otherwise accomplished. Outside of the lowest common denominators like stock photos for the sole purpose of a link preview being eye catching, however, I doubt AI will be wholesale replacing most creative works anytime soon. I can assure you that I tried numerous times to describe the map without providing a reference image, and if I used one of those outputs (or even just the unedited output after providing the reference image) it would have decreased the quality of my work instead of improving it.
I'm going to go out on a limb and expect that AI image, text, and video is all going to find its place in slop & generic content (such as AI generated slop replacing article spinners and stock photos respectively) and otherwise be used in a supporting role for various creative endeavors. For people working on projects like I'm working on (e.g. intended budget $0) it's helpful to have an AI capable of doing legwork - enabling projects to exist or be improved in ways they otherwise wouldn't have. I'm also guessing it'll find its way into more professional settings for grunt work - think a picture frame or fake TV show that would exist in the background of an animated project - likely a detail most people probably wouldn't notice, but that would save the creators time and money and/or allow them to focus more on the essential aspects of said work. Beyond that, as I've predicted before: I expect plenty of emails will be generated from a short list of bullet points, only to be summarized by the recipient's AI back into bullet points.
I will also make a prediction counter to what seems mainstream: AI is about to peak for a while. The start of AI image generation was with Google's DeepDream in 2015 - image recognition software that could be run in reverse to "recognize" patterns where there were none, effectively generating an image from digital noise or an unrelated image. While I'm not an expert by any means, I don't think we're too far off from that a decade later, just using very fine tuned tools that develop more coherent images. I guess that we're close to maxing out how efficiently we're able to generate images and video in that manner, and the hard caps on how much creative direction we can have when using AI - as well as the limits to how long we can keep it coherent (e.g. long videos or a chronologically consistent set of images) - will prevent AI from progressing too far beyond what it is currently unless/until another breakthrough occurs.
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@ bf47c19e:c3d2573b
2025-06-03 17:50:17Originalni tekst na bitcoin-balkan.com.
Pregled sadržaja
- Kako Cantillonov Efekat Funkcioniše
- Kako Bitcoin Rešava Nejednakost iz Cantillonovog Efekta
- Uloga Vlade u Cantillonovom Efektu
- Zaštitite Sebe od Cantillonovog Efekta
- Kako mogu da saznam više o Bitcoin-u?
Tradicionalne valute imaju Cantillonov Efekat, dok Bitcoin ima ‘Nakamotov Efekat’ – termin nazvan po anonimnom tvorcu Bitcoin-a, Satoshi Nakamoto-u.
Pitanje o tome zašto nam je potreban Bitcoin danas je postalo veoma uobičajeno, ali odgovori obično ostavljaju većinu ljudi zbunjenim i sa izjavama da je on, ili Ponzijeva šema ili novac za kriminalce. Ovaj zaključak nije pravičan prema načinu na koji bi Bitcoin mogao da transformiše sistemsku nepravednost i korupciju koja je usadjena u naš trenutni monetarni sistem. Jedna od ovih nejednakosti u našem današnjem sistemu rezultat je Cantillonovog Efekta, davno zaboravljene klasične teorije o tome kako raspodela novca utiče na bogatstvo pojedinca.
Cantillonov Efekat opisuje kako stvaranje novog novca donosi korist onima koji prvi dobiju novac, a na štetu onih koji su najudaljeniji od stvaranja novog novca. U današnjem monetarnom sistemu banke i korporacije su najbliže novom novcu dok je srednja klasa najudaljenija. Bitcoin to ispravlja, davanjem novih bitcoin-a samo „rudarima“ koji osiguravaju protokol – mnogo pravednija distribucija.
Cantillonov Efekat predstavlja način na koji se naplaćuje dodatni porez svima koji rade za „nepromenjenu“ platu ili drže prvenstveno dolare ili eure kao deo svog bogatstva. Ovaj porez prenosi vrednost onima koji ulažu u finansijsku imovinu ili su preferirani dobavljači vlade. Bitcoin odvaja stvaranje novog novca od politike, čineći ovu situaciju mnogo poštenijom.
Kako Cantillonov Efekat Funkcioniše
Kada se poveća ponuda neke vrste novca, ima smisla da taj novi novac treba da ode u nečije ruke – ali čije? Da li bi trebao da pada kao kiša sa neba, da ga dobije neko na lutriji, ili ga predati posebnim interesnim grupama?
U našem savremenom monetarnom sistemu, ovaj novac nije uvek zajam za primaoce, tako da nekad ne trebaju da ga vrate.
Zabluda inflacije pomalo liči na MC Escher vodopad – dobro funkcioniše na papiru, ali ne govori skoro ništa korisno o tome kako stvarni svet funkcioniše.
Međutim, ova analiza zanemaruje to kako funkcionišu tržišta. Tamo gde novi novac ide prvo i način na koji se širi kroz ekonomiju, ima veliki uticaj na stvarno bogatstvo ljudi. Zašto? Kada se poveća novčana masa, cene se ne povećavaju odmah kao odraz ove činjenice. Umesto toga, povećavaju se polako, kako tržišta reaguju na novu ukupnu ponudu novca.
Prvi entiteti i ljudi koji prime novostvoreni novac mogu da ga potroše pre nego što je tržište reagovalo na bilo koji novi novac u sistemu prilagođavanjem cena. Kada oni kupuju stvari, dobijaju ih po niskim cenama jer cene još uvek ne podržavaju činjenicu da ima više novca u opticaju.
Jednom kada se novi novc nekoliko puta okrene, cene počinju da rastu, jer se više novčanih jedinica troši na isti broj dobara i usluga. Jedna od ‘cena’ u ekonomiji je plata ili zarada – i ova cena će da poraste, baš kao i sve druge. Međutim, ova cena raste sporije, kao rezultat ulaska novog novca u sistem, nego što je recimo, cena namirnica.
Kao rezultat ove neusklađenosti u vremenu porasta cena, oni koji primaju platu, tj. zaradu moraju da plaćaju više za svoje dnevne potrebe (poput namirnica), dok neko vreme primaju istu platu. Plate se prilagođavaju sporije od cena hrane. To dovodi do pada kupovne moći ljudi koji rade za platu..
Sve ovo proističe iz toga kako novi novac ulazi u sistem. Kada bi novi novac ušao u sistem samo putem zajmova direktno od centralne banke na plate ljudi, ti ljudi bi mogli da ga potroše pre nego što cene porastu, i samim tim bilo bi im bolje.
Na to kako raspodela novca utiče na bogatstvo, ukazao je Richard Cantillon u 18. veku, koji je gledao kako se ova dinamika odvija u Engleskoj kada je vlada štampala novac u njegovo vreme.
Izvrstan momak, g. Cantillon
Kako Bitcoin Rešava Nejednakost iz Cantillonovog Efekta
Da bismo razumeli kako Bitcoin rešava nejednakost, moramo da uporedimo kako se tradicionalne valute poput dolara ili eura distribuiraju u današnje vreme u odnosu na to kako se distribuiraju novi bitcoini.
Gotovo sva tradicionalna valuta koja je stvorena do današnjeg dana, prvo je distribuirana bankama i vladama. To je zato što su glavne komercijalne banke, poput JP Morgan i Citi, zauzvrat podržane od centralnih banaka poput Federalnih rezervi. Centralne banke poseduju ‘prese za štampanje’ – što znači da u svet mogu da ‘odštampaju’ (ili dodaju digitalno) neograničenu količinu svojih tradicionalnih valuta. Takođe su postavili pravila za komercijalne banke da ih podstaknu da pozajmljuju više ili manje dolara, što proširuje i ugovara ukupnu novčanu masu.
Budući da banke i vlade prve dobijaju novi novac, one odlučuju ko je drugi po redu koji može da iskoristi pogodnosti Cantillonovog Efekta. Tu na scenu dolaze lobisti, kao i moć koju donose njihove dobre konekcije sa finansijskom elitom. Lobisti osiguravaju da njihovi interesi imaju koristi od Cantillonovog Efekta, a veoma bogati, kao i korporacije, mogu da dobiju kredite od banaka po isplativim niskim kamatnim stopama.
Stvari mogu da se prilično zabrljaju kada vlada uskoči da preuzme “kontrolu” nad potrošnjom štampanog novca. Izvor: OpenDemocracy
Bitcoin-ov sistem eliminiše moć lobista i prednosti poznavanja pravog bankara, i stavlja ljude na mnogo ravnopravnije temelje. U Bitcoin-u, svaki ‘rudar’ na mreži ima jednake šanse da zaradi nagradu za novostvorene bitcoin-e na svakih 10 minuta. Svako može da postane rudar, jednostavnim kupovanjem hardvera i njegovim uključivanjem u utičnicu – daleko manje mukotrpan posao od lobiranja kod izabranih predstavnika da bi vam dodelili ugovor sa vladom. Rudari troše puno novca na električnu energiju i opremu da bi se takmičili za nagradu, a Bitcoin sistemu pružaju preko potrebnu uslugu: bezbednost. Bez rudara, Bitcoin-ov sistem ne bi funkcionisao.
Rudarenje bitcoin-a zahteva računar i struju – to je to.
U sistemu američkog dolara vidimo da političke veze proističu iz Cantillonovog Efekta. U Bitcoin sistemu vidimo da se pružaoci usluga (rudari) plaćaju za svoje usluge novostvorenim bitcoin-ima.
Naravno, ishodi Cantillonovog Efekta bi mogli da se promene tako što će političari da promene način na koji novi novac ulazi u sistem. Međutim, ovo ne rešava osnovni problem: neko drugi ima korist na tuđi račun.
Bitcoin sistem je daleko pravedniji jer koristi Cantillonov Efekat da bi uredno nagradio one koji pružaju korisnu uslugu za sve ostale: obezbeđivanje Bitcoin mreže.
Zamislite to ovako: u dolarskom sistemu, neka osoba šarmira političare ili bankare na pravim pozicijama da bi dobila povlašćen tretman na račun svih ostalih. U Bitcoin sistemu svi plaćaju po malo, da bi zaštitili svoje bankovne račune od krađe.
Uloga Vlade u Cantillonovom Efektu
Federalne vlade širom sveta su jedne od najvećih korisnika Cantillonovog Efekta, jer su u mogućnosti da vrlo lako dobiju zajmove od centralne banke svoje države. U SAD se to radi kada američko Ministarstvo finansija proda državne obveznice banci Federalnih rezervi. Federalne rezerve daju Ministarstvu finansija gomilu novoštampanog novca, a Ministarstvo finansija da Fed-u papir na kojem piše „mi ćemo vam isplatiti dug u to i to vreme sa određenom kamatom“. Možda je malo složenije od ovoga, ali to opisuje suštinu toga.
Budući da novac koji federalna vlada dobija nije postojao pre toga, ona može da ga potroši pre nego što cene počnu da rastu zbog tog novog novca koji ulazi u opticaj. To omogućava federalnoj vladi da ga troši na socijalne programe, policiju, vojsku, vojnu opremu za naoružavanje država poput Saudijske Arabije, čak i na ‘most iz nigde ka ničemu’, a da ne mora da koristi politički nepopularnu metodu: da poveća porez da bi to platila.
Umesto da povećaju poreske prihode za pokrivanje ove potrošnje, federalne vlade koriste Cantillonov Efekat za prenos kupovne moći od plata radnika srednje klase u vladin trezor. Na taj način inflacija i Cantillonov Efekat stvaraju skriveni porez na zarade i uštede novca.
Zaštitite Sebe od Cantillonovog Efekta
Zaštita svog života od Cantillonovog Efekta je zeznuta igra koju treba odigrati. Možete da pokušate da se približite izvoru novog novca, tako što ćete se nadmetati za državne ugovore ili raditi u vrhovima finansija. Možete da pokušate da igrate na visokim nivoima u trgovanju na berzi ili ulaganju u nekretnine, ali je verovatnije da ćete bankrotirati nego što ćete da se zaštitite.
Najlakši način da zaštitite sebe od nepravedne raspodele novog novca je potpuno odbijanje tog monetarnog sistema. Samo najstarije generacije koje danas žive mogu da se sete vremena kada je novac značio nešto drugo osim papira potkrepljenog ‘punom verom i kredibilitetom’ vlade i vojske. Mi smo tako uslovljeni da novac smatramo proizvodom naše vlade, ali naša zaštita od Cantillonovog Efekta zahteva gledanje novca kroz istoriju – čak i pre samo jednog veka.
Novac je nekada značio zlato – materijal koji nijedna vlada ne može magično da stvori u većoj količini, a koji zahteva ogroman napor da se pronađe i iskopa iz zemlje. Bitcoin je vrlo sličan zlatu po tome što niko ne može magično da ga stvori, i veoma ga je teško proizvesti više ‘rudarenjem’. Međutim, Bitcoin takođe putuje brzinom interneta, omogućavajući globalnu trgovinu na način na koji zlato jednostavno ne može.
Bitcoin i zlato – slični po karakteristikama ‘normalnog novca’, različiti po prenosivosti.
Da biste se zaštitili od Cantillonovog Efekta, potrebno je što je više moguće isključiti se iz nepravednih sistema tradicionalnih valuta, čuvajući bogatstvo u pravom novcu, poput zlata ili Bitcoin-a. Ovo je najmirniji način za ukidanje starog sistema i uvođenje novog, pravednijeg sistema.
Kako mogu da saznam više o Bitcoin-u?
Film "Bitkoin: Kraj novca kakvog poznajemo"
The Bitcoin Whitepaper ← objavljen 2008. godine, ovo je izložio dizajn za Bitcoin.
Ako vam se sviđa moj rad, molim vas da ga podelite sa svojim prijateljima i porodicom. Cilj mi je da svima pružim uvid u ekonomiju i kako ona utiče na njihove živote.
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@ 6c05c73e:c4356f17
2025-06-03 12:18:10Trabalhar 40 anos e aposentar?
Quando comecei minha jornada, pensei que trabalhar em emprego que detesto e receber pouco não era o suficiente. Na época eu lia nos consultórios de dentistas as revistas veja e exame.
Ficava elucidando: -Como pode uma empresa pagar carro, telefone, viagem e um belo salário para esses caras? Será que eu teria chance algum dia?
Mas, quando seu primeiro emprego é o Bobs. Você é negro e vem de um um lugar aonde o seu nome e seu tempo de carteira são sinônimos de orgulho.
Eu sabia que seria difícil. Principalmente, porque além de ter que melhorar quem eu era. Eu teria, que enfrentar pré conceitos e críticas da família junto. Enfim, mãos a obra.
É só investir que fico rico!
Foi então que pensei se teria alguma forma de não ter que trabalhar por 40 anos e depender do governo no fim da minha vida. Daí, eu estudei e encontrei algumas pessoas que me mostraram uma opção. Investimentos! Caraca, tudo parecia muito legal naquela época.
Era uma sopa de letrinhas acompanhada por um glossário recheado e diferente de tudo que tinha conhecimento. Meu primeiro investimento foram 3 ações da Ambev. Fiquei empolgado demais quando chegou a primeira carta da Bovespa mostrando o meu "rico”patrimônio.
Ademais, eu fui vivendo outras coisas: Crise da época Dilma, crise do Temer com o Joesley, Covid e pós Covid. Fui além, e fiquei alguns anos negociando forex e criptomoedas também. Vivi demais, fiz grana, perdi grana, fiz amizades, perdi amizades e o mais importante que fiquei experiente nesse ramo. Tão experiente que percebi uma coisa…
Opaaa, falta uma peça no quebra cabeça
Os anos passavam e era como uma montanha russa. Tinha anos bons e ruins. Normal, como qualquer outra coisa que aconteça na vida. Mas, cara. Era inegável que eu estava evoluindo. Mas, o ritmo era lento demais. E, pelas minhas contas eu ia chegar lá com uma idade bem avançada. A diferença é que eu teria mais controle sobre meu futuro.
Contudo, no meio da jornada comecei a perceber que toda vez que eu pegava meu dinheiro e entregava para o mercado financeiro. Eu mandava uma mensagem para meu subconsciente: Você não é capaz de multiplicar seu dinheiro! E, isso é muito louco.
Porque eu multiplicava. Mas, tinha que me contentar com 10-12% a.a em anos normais, -6% a.a em anos ruins e anos bons era algo como 20%.
Portanto, isso tudo me deixava maluco. Porque? Eu tinha amigos empreendendo e ganhando 20% de lucro líquido ao mês. E, porque eu deveria me contentar com módicos 12% a.a? Esse raciocínio alugou um triplex na minha cabeça.
Durante minha jornada, eu tentei vários empreendimentos: Festas, venda de camisetas, venda de acessórios de telefone, confeitaria online e mais alguns que não lembro. Foram excelentes negócios para aprender. Mas, eu queria meu próprio negócio. Mas, não mais um negócio. Um negócio online, escalável e multilíngue. Fui estudar Desenvolvimento de sistemas, marketing digital e varri a internet atrás de informações.
O que você pode fazer
E, aqui estamos. A ideia de construir isso que você está usufruindo hoje nasceu 2 anos atrás. Eu levei 6 meses para lapidar e mais 6 meses criando conteúdo na unha. Literalmente, sentando a bunda na cadeira e escrevendo do zero cada texto.
Eu sei que alguns não ficaram bons como queria. Mas, o processo é esse. Você vai melhorando a medida que avança. Não dá para ficar vendo tutoriais no youtube, gurus de internet e ler milhares de livros. Tu tem que pegar e começar a fazer algo. Hoje, agora!
A vantagem da internet é que você não precisa de permissão para começar nada. Abre o Word, Docs, Canva, Capcut, Câmera do seu celular e cria. A resposta para todos os seus problemas está em: CRIAR!
Eu criei esse site, complementando: Meu site, meu Medium, meu Reddit e meu Nostr. Eu crio coisas novas todas as semanas e distribuo.
Minha empresa só tem eu de funcionário(por enquanto). Mas, já desenhei quais os próximos passos. Pode ser que eu nem use os próximos passos porque tudo muda toda hora.
Mas, vale a pena tentar! Se você puder acabar esse texto com uma só lição, eu diria:
Acredite mais em você e menos nos outros. Pare de pegar seu combustível (dinheiro) e entregar nas mãos de pessoas que em muitos casos. São menos preparadas que você.
Muito obrigado pelo seu tempo e até o próximo.
Compartilhe
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@ 9ca447d2:fbf5a36d
2025-06-03 11:01:51George Town, Grand Cayman — Ledn, one of the longest-standing digital asset lenders, today announced a sweeping update to its platform to discontinue any lending of client assets to generate interest, meaning that client assets will never be exposed to third party lending credit risk.
Going forward, Ledn will only offer its Custodied Bitcoin loan structure, under which client bitcoin collateral will remain fully in custody either with Ledn or its trusted funding partners.
As part of this strategic shift, Ledn will also remove support for ETH, doubling down on Bitcoin as its sole digital asset focus. These changes were unveiled by the company at Bitcoin 2025 in Las Vegas.
“With our new hyper-focus on Bitcoin-only lending, we’re going back to our roots and principles that inspired Bitcoin to begin with,” said Adam Reeds, Co-Founder and CEO of Ledn.
“Bitcoin was created as a direct response to the risks of fractional reserve banking and unchecked use of client assets to generate interest. Traditional finance relies on constantly reusing client assets to create leverage and, ultimately, inflation.
“Bitcoiners instinctively reject that model. That’s why we’ve moved away from this approach entirely. With our Custodied loan structure, client assets stay where they belong and are held in a transparent manner.”
While Ledn is taking these steps to further de-risk its product and further enhance client security, many of the new lending products in the market are exposing consumers to risky and opaque structures once again.
“These are the exact dynamics that led to the meltdown of the lending sector in 2022,” Reeds added.
“As more new entrants push half-baked lending models back into the market, we’re choosing the opposite path— Eliminating lending risk entirely for our users and making it 100% clear how their assets are dealt with.
“That clarity is what has helped us originate over $9.5 billion in loans and become the #1 retail CeFi lender in the Bitcoin space. We believe this approach should become the new standard for any serious digital asset lender.”
This shift reinforces Ledn’s broader strategy: Going all in on Bitcoin, simplifying its product stack, and sharpening its focus around the most secure and proven digital asset.
Ledn was the first crypto lender to introduce proof-of-reserves attestations in 2020, offering clients third-party verification that assets were fully accounted for down to the satoshi.
That transparency-first approach allowed the company to navigate market volatility as peers collapsed under opaque and hidden risks.
Now, as global regulators begin signaling openness to supervised participation rather than blanket restrictions, the opportunity — and the responsibility — for digital asset platforms is clear: Build resilient systems and proactively mitigate risk.
Ledn will exclusively offer custodied bitcoin-backed loans as of July 1, 2025. Support for ETH will be retired in the same release, reflecting Ledn’s strategic shift to a Bitcoin-only platform.
For more information on this transition, visit blog.ledn.io
For media inquiries, interviews, or early access to supporting materials, contact ledn@clpr.agency
About Ledn
Ledn offers growth accounts and loans to clients in over 120 countries, with an expanding range of services and supported regions. The company is dedicated to building world-class financial services, with a focus on helping people build long-term wealth through digital asset-based products.
For more information about Ledn and its services, visit the company’s website at www.ledn.io
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@ e6817453:b0ac3c39
2025-01-05 14:29:17The Rise of Graph RAGs and the Quest for Data Quality
As we enter a new year, it’s impossible to ignore the boom of retrieval-augmented generation (RAG) systems, particularly those leveraging graph-based approaches. The previous year saw a surge in advancements and discussions about Graph RAGs, driven by their potential to enhance large language models (LLMs), reduce hallucinations, and deliver more reliable outputs. Let’s dive into the trends, challenges, and strategies for making the most of Graph RAGs in artificial intelligence.
Booming Interest in Graph RAGs
Graph RAGs have dominated the conversation in AI circles. With new research papers and innovations emerging weekly, it’s clear that this approach is reshaping the landscape. These systems, especially those developed by tech giants like Microsoft, demonstrate how graphs can:
- Enhance LLM Outputs: By grounding responses in structured knowledge, graphs significantly reduce hallucinations.
- Support Complex Queries: Graphs excel at managing linked and connected data, making them ideal for intricate problem-solving.
Conferences on linked and connected data have increasingly focused on Graph RAGs, underscoring their central role in modern AI systems. However, the excitement around this technology has brought critical questions to the forefront: How do we ensure the quality of the graphs we’re building, and are they genuinely aligned with our needs?
Data Quality: The Foundation of Effective Graphs
A high-quality graph is the backbone of any successful RAG system. Constructing these graphs from unstructured data requires attention to detail and rigorous processes. Here’s why:
- Richness of Entities: Effective retrieval depends on graphs populated with rich, detailed entities.
- Freedom from Hallucinations: Poorly constructed graphs amplify inaccuracies rather than mitigating them.
Without robust data quality, even the most sophisticated Graph RAGs become ineffective. As a result, the focus must shift to refining the graph construction process. Improving data strategy and ensuring meticulous data preparation is essential to unlock the full potential of Graph RAGs.
Hybrid Graph RAGs and Variations
While standard Graph RAGs are already transformative, hybrid models offer additional flexibility and power. Hybrid RAGs combine structured graph data with other retrieval mechanisms, creating systems that:
- Handle diverse data sources with ease.
- Offer improved adaptability to complex queries.
Exploring these variations can open new avenues for AI systems, particularly in domains requiring structured and unstructured data processing.
Ontology: The Key to Graph Construction Quality
Ontology — defining how concepts relate within a knowledge domain — is critical for building effective graphs. While this might sound abstract, it’s a well-established field blending philosophy, engineering, and art. Ontology engineering provides the framework for:
- Defining Relationships: Clarifying how concepts connect within a domain.
- Validating Graph Structures: Ensuring constructed graphs are logically sound and align with domain-specific realities.
Traditionally, ontologists — experts in this discipline — have been integral to large enterprises and research teams. However, not every team has access to dedicated ontologists, leading to a significant challenge: How can teams without such expertise ensure the quality of their graphs?
How to Build Ontology Expertise in a Startup Team
For startups and smaller teams, developing ontology expertise may seem daunting, but it is achievable with the right approach:
- Assign a Knowledge Champion: Identify a team member with a strong analytical mindset and give them time and resources to learn ontology engineering.
- Provide Training: Invest in courses, workshops, or certifications in knowledge graph and ontology creation.
- Leverage Partnerships: Collaborate with academic institutions, domain experts, or consultants to build initial frameworks.
- Utilize Tools: Introduce ontology development tools like Protégé, OWL, or SHACL to simplify the creation and validation process.
- Iterate with Feedback: Continuously refine ontologies through collaboration with domain experts and iterative testing.
So, it is not always affordable for a startup to have a dedicated oncologist or knowledge engineer in a team, but you could involve consulters or build barefoot experts.
You could read about barefoot experts in my article :
Even startups can achieve robust and domain-specific ontology frameworks by fostering in-house expertise.
How to Find or Create Ontologies
For teams venturing into Graph RAGs, several strategies can help address the ontology gap:
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Leverage Existing Ontologies: Many industries and domains already have open ontologies. For instance:
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Public Knowledge Graphs: Resources like Wikipedia’s graph offer a wealth of structured knowledge.
- Industry Standards: Enterprises such as Siemens have invested in creating and sharing ontologies specific to their fields.
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Business Framework Ontology (BFO): A valuable resource for enterprises looking to define business processes and structures.
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Build In-House Expertise: If budgets allow, consider hiring knowledge engineers or providing team members with the resources and time to develop expertise in ontology creation.
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Utilize LLMs for Ontology Construction: Interestingly, LLMs themselves can act as a starting point for ontology development:
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Prompt-Based Extraction: LLMs can generate draft ontologies by leveraging their extensive training on graph data.
- Domain Expert Refinement: Combine LLM-generated structures with insights from domain experts to create tailored ontologies.
Parallel Ontology and Graph Extraction
An emerging approach involves extracting ontologies and graphs in parallel. While this can streamline the process, it presents challenges such as:
- Detecting Hallucinations: Differentiating between genuine insights and AI-generated inaccuracies.
- Ensuring Completeness: Ensuring no critical concepts are overlooked during extraction.
Teams must carefully validate outputs to ensure reliability and accuracy when employing this parallel method.
LLMs as Ontologists
While traditionally dependent on human expertise, ontology creation is increasingly supported by LLMs. These models, trained on vast amounts of data, possess inherent knowledge of many open ontologies and taxonomies. Teams can use LLMs to:
- Generate Skeleton Ontologies: Prompt LLMs with domain-specific information to draft initial ontology structures.
- Validate and Refine Ontologies: Collaborate with domain experts to refine these drafts, ensuring accuracy and relevance.
However, for validation and graph construction, formal tools such as OWL, SHACL, and RDF should be prioritized over LLMs to minimize hallucinations and ensure robust outcomes.
Final Thoughts: Unlocking the Power of Graph RAGs
The rise of Graph RAGs underscores a simple but crucial correlation: improving graph construction and data quality directly enhances retrieval systems. To truly harness this power, teams must invest in understanding ontologies, building quality graphs, and leveraging both human expertise and advanced AI tools.
As we move forward, the interplay between Graph RAGs and ontology engineering will continue to shape the future of AI. Whether through adopting existing frameworks or exploring innovative uses of LLMs, the path to success lies in a deep commitment to data quality and domain understanding.
Have you explored these technologies in your work? Share your experiences and insights — and stay tuned for more discussions on ontology extraction and its role in AI advancements. Cheers to a year of innovation!
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@ cae03c48:2a7d6671
2025-06-03 21:01:12Bitcoin Magazine
Reitar Logtech Announces $1.5 Billion Bitcoin Acquisition PlanReitar Logtech Holdings Ltd., a Hong Kong-based firm operating in real estate and logistics technology, has officially announced plans to purchase up to $1.5 billion worth of Bitcoin. The move was disclosed in a June 2 filing with the U.S. Securities and Exchange Commission (SEC).
NEW:
Hong Kong-based Reitar Logtech announces they will buy $1.5 billion #Bitcoin for their reserves — SEC filing pic.twitter.com/viC0kUycNo
— Bitcoin Magazine (@BitcoinMagazine) June 2, 2025
According to the filing, the strategic Bitcoin acquisition is intended to bolster Reitar’s treasury reserves while accelerating the company’s global expansion in logistics technology infrastructure. The announcement aligns Reitar Logtech with a growing number of international firms turning to Bitcoin as a reserve asset.
By incorporating Bitcoin into its financial strategy, Reitar Logtech aims to grow its holdings beyond traditional fiat currencies and fixed-income products. By adopting a strategic BTC reserve, the company aims to benefit from Bitcoin’s liquidity, 24/7 markets, and hedge against long-term inflation and currency devaluation.
The SEC filing describes the initiative as follows, “Reitar Logtech Holdings Ltd. Announces Up to US$1.5 Billion Strategic Bitcoin (BTC) Acquisition to Bolster Treasury Reserves and Accelerate Global Logistics Technology Expansion.”
The filing was signed by Kin Chung Chan, Reitar Logtech’s Director, Chairman, and Chief Executive Officer, who affirmed that the filing was submitted in accordance with the Securities Exchange Act of 1934.
While specific timing for the acquisition has not been disclosed, analysts believe such a large-scale buy could be done in phases to manage market impact and line up with internal capital strategy. It remains unclear if the purchase will be conducted via spot markets, custodians, or structured investment vehicles.
The adoption also brings to light a wider trend among corporations allocating Bitcoin to their balance sheets. Reitar joins companies such as Strategy, that have leveraged Bitcoin not only for financial positioning, but as a long-term asset.
This post Reitar Logtech Announces $1.5 Billion Bitcoin Acquisition Plan first appeared on Bitcoin Magazine and is written by Jenna Montgomery.
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@ bf47c19e:c3d2573b
2025-06-03 17:47:46Originalni tekst na bitcoin-balkan.com.
Pregled sadržaja
- 5 Razloga Zašto je Novac Važan za Vas, Individualno
- 3 Razloga Zašto je Novac Važan za Društvo u Celini
- Zašto ljudi mrze novac?
Novac vs trenuci – da li oni treba da budu u sukobu? Kakva je uloga novca?
Novac je nepredvidiva zver modernog društva – neki ga veličaju sa stalnom željom da steknu više, dok ga drugi demonizuju i kažu da je pohlepa srž društvenih problema. Tokom mnogih godina svog života, ja sam često prelazio sa jednog na drugo gledište, i naučio mnogo toga upoznajući druge ljude koji žive na oba kraja ovog spektra. Kao i kod mnogih složenih tema, istina leži negde u sredini.
Novac je važan zato što on može da pomogne u uklanjanju materijalnih želja i patnji – omogućavanjem da preuzmete kontrolu nad svojim životom i da brinete o voljenima. Novac podiže životni standard društva omogućavanjem trgovine, a pritom minimalizuje potrebu za poverenjem.
Na novac možemo gledati kao na način da svoj uloženi trud sačuvamo u odredjenom obliku, i da ga vremenom prenesemo, tako da možemo da uživamo u plodovima svog rada. Novac kao alat je jedna od najvažnijih stvari za rast civilizacije. Na nesreću, mnogi su vremenom zlostavljali novac, ali sa dobrim razlogom: način na koji naš novac danas funkcioniše dovodi do duboko podeljenog društva – što ću i objasniti.
5 Razloga Zašto je Novac Važan za Vas, Individualno
Novac je važan za rast bogatstva, što je malo drugačije od toga da imamo veliku platu ili jednostavno zarađivati velike količine novca. Bogatstvo je otklanjanje želja, kako bi mogli da obratimo više pažnje na neke korisnije stvari u životu, od pukog preživljavanja i osnovnih udobnosti.
Bogata osoba je ona koja zaradi više novca nego što potroši, i koja ga čuva – ona čuva svoj rad tokom vremena. Uporedite ovo sa visoko plaćenim lekarom koji živi u velikoj vili sa hipotekom i sa Mercedesom na lizing. Iako ova osoba ima visoke prihode, ona takođe ima velike rashode u vidu obaveze plaćanja te hipoteke i lizinga. Te obaveze sprečavaju ovu osobu da uživa u istinskim blagodetima novca i bogatstva koje one predstavljaju:
1. Sloboda od potrebe za radom
Bez bogatstva, vi morate da radite da biste preživeli. Dostizanjem bogatstva i odredjenom imovinom koja vam donosi novac bez potrebe da vi trošite svoje vreme, vi možete da oslobodite svoj raspored. Više ne zavisite od posla koji mrzite, i nemorate da provodite 40 sati nedeljno odvojeni od porodice, samo da biste se pobrinuli za svoje osnovne potrebe. Dobijanje otkaza u padu ekonomije neće vas dovesti do finansijske propasti ili nečeg goreg.
2. Kontrola nad time kako vi trošite svoje vreme
Kada steknete bogatstvo, vi možete da odlučite kako želite da provodite svoje vreme. Kada se nalazimo u trci pacova i radimo 40+ sati nedeljno, često se naviknemo da novac trošimo onda kada imamo slobodnog vremena. Idemo na lepe večere ili idemo na skupe odmore. Međutim, sa više vremena, a možda čak i sa manje novca, mi možemo da imamo isto ili više uživanja živeći usporenije.
Razmislite o ovome – ukoliko imate samo 1 nedelju slobodno od posla, vi onda morate da kupite onaj mnogo skuplji let u Petak uveče koji se vraća u sledeću Nedelju, kako biste maksimalno iskoristili svoje vreme na nekom egzotičnom mestu za odmor. Međutim, ukoliko ste u mogućnosti da izdržavate sebe bez potrebe da mnogo vremena provodite na poslu, vi onda možete u Utorak da krenete jeftinijim letom i vratite se u sledeću Sredu. Takođe nećete osećati toliki pritisak da se opustite u uživanju tokom vaše nedelje u inostranstvu – možda ćete čak moći i da ostanete duže i da istražujete više, bez plaćanja skupih turističkih agencija i hotela kako bi organizovali vaše kraće putovanje.
3. Sposobnost da pomažete vašim prijateljima i porodici
Onda kada novca imate na pretek, možete poboljšati svoje odnose sa prijateljima i porodicom ne samo kroz dodatno slobodno vreme koje provodite sa njima, već i sa samim novcem. Ako je vašem prijatelju potrebna hitna operacija, vi možete da mu izadjete u susret i pomognete mu da stane na svoje noge. Ukoliko vam je tetka bolesna, vi možete da provedete vreme pored nje, umesto da je pozovete na kratko dok putujete prema kući vraćajući se nakon celog dana provedenog u kancelariji.
4. Smanjen finansijski stres
Stres je sveobuhvatno i opasno stanje modernog doba, sa kojim gotovo svi mi živimo u nekoj odredjenoj meri. Povezan je sa lošim zdravljem, sa preko 43% svih odraslih koji kažu da pate od odredjenih zdravstvenih problema uzrokovanih stresom. Stres zbog posla pogađa 83% zaposlenih.
Pravo bogatstvo – koje znači eliminaciju želja i potreba – može da ukloni ovaj stres i njegove negativne uticaje na druge delove života. Ovo bi čak moglo da ukloni većinu stresa u vašem životu, uzimajući u obzir da je uzrok stresa broj 1 upravo novac.
5. Bolje možete da pomognete vašoj zajednici
Mnogi od nas žele da volontiraju u svojim zajednicama i pomognu onima koja je pomoć preko potrebna, ali nisu u stanju da pronađu slobodnog vremena i energije zbog svog posla, porodice i društvenih aktivnosti koje nas mentalno i fizički čine srećnima, zdravima i hranjenima. Sa bogatstvom, mi možemo da posvetimo vreme koje nam je potrebno za razumevanje i doprinos drugima – a ne samo da sa vremena na vreme pomognemo slanjem humanitarnog SMS-a.
Novac, koji se pametno koristi, je moćno sredstvo za poboljšanje vašeg života i života vaših najmilijih i zajednice. Međutim, novac je takođe moćno sredstvo za poboljšanje društva u celini – ukoliko je dobro strukturiran.
3 Razloga Zašto je Novac Važan za Društvo u Celini
Novac poboljšava sposobnost ljudi da trguju jedni s drugima, što podstiče određene specijalizacije. Ako je imanje vašeg komšije odlično za proizvodnju vina, a vaše je pogodno za žito, obojica možete da profitirate trgovinom. Sad oboje imate i hleb i vino, umesto jednog pijanog vlasnika vinograda i jednog proizvodjača žita kome je dosadno!
Novac poboljšava društvo na nekoliko načina:
1. Omogućava specijalizaciju
Kao u primeru vlasnika vinograda i proizvodjača žita, novac omogućava povećanu specijalizaciju poboljšavajući sposobnost trgovine. Svaka razmena dobara ima problem sa ‘sticajima potreba’ – oba partnera u trgovini moraju da žele ono što druga osoba ima da bi pristala na trgovinu.
Možemo da mislimo o novcu kao o dobru koje žele gotovo svi. Ovo trgovinu čini mnogo jednostavnijom – da biste stekli odredjeno dobro, sve što vam je potrebno je novac, a ne neka slučajna stvar koju prodavac tog dobra takođe želi u tom trenutku. Vremenom je upotreba novca omogućila specijalizaciju, što je povećalo kvalitet i složenost roba i usluga.
Zamislite da sami pokušate da napravite svoj telefon – a bili su potrebni milioni stručnjaka i specijalizovana oprema da bi proizveli taj uređaj. Svi ti stručnjaci i kompanije plaćaju jedni drugima u novcu, omogućavajući složenom plesu globalnih proizvođača i lanaca snabdevanja da taj telefon isporuče na dlan vaše ruke. Čak i nešto tako jednostavno kao flaša za vodu uključuje naftna polja i proizvodne pogone koji su možda hiljadama kilometara od vaše kuće.
Kada ljudi mogu da se specijalizuju, kvalitet robe i usluga može da se poveća.
2. Omogućava korisnu trgovinu uz smanjeno poverenje
Mala društva mogu mirno i produktivno da posluju bez novca koristeći usluge, “dodjem ti” i uzajamno razumevanje. Međutim, kako se društva uvećavaju, svima brzo postaje nemoguće da održavaju lične odnose i isti stepen poverenja sa svima ostalima. Sistem trgovine uslugama i međusobnog poverenja ne funkcioniše previše dobro sa putnikom koji se nalazi na proputovanju kroz grad, i provede samo 15 minuta svog života u vašoj prodavnici.
Novac minimizira poverenje potrebno za trgovinu u većim društvima. Sada više ne moram da verujem da ćete mi pomoći kasnije kada mi zatreba – mogu samo da prihvatim uplatu od vas i da to koristim da bih sebi pomogao kasnije. Jedan od mojih omiljenih mislilaca, Nick Szabo, ovo naziva ‘društvena prilagodljivost’.
3. Smanjuje upotrebu sile
Kada društvo teži upotrebi određenog oblika novca za olakšavanje trgovine, može u velikoj meri da smanji nasilje u tom društvu. Kako to može biti tako? Zar ljudi ne bi i dalje želeli da kradu jedni od drugih ili da se svete?
Ukoliko razmišljamo van uobičajnih okvira, možemo da počnemo da razumemo kako novac može da smanji nasilje. Ako ti i ja živimo u susednim zemljama i želimo nešto što druga zemlja ima, imamo dva načina da to dobijemo: uzimanjem na silu ili menjanjem nečeg našeg za to. Kao što je ranije rečeno, novac znatno olakšava trgovinu – pa ćemo postojanjem zajedničkog monetarnog sistema verovatnije radje izvršiti trgovinu nego napad na zemlju. Zašto bismo rizikovali svoje živote kad možemo samo mirno da trgujemo jedni sa drugima?
Zašto ljudi mrze novac?
Pa ako novac ima toliko koristi za nas lično i za društvo u celini, zašto toliko ljudi mrzi novac? Zašto je demonizovan, zajedno sa onima koji ga imaju puno?
Za deo ovoga može biti okrivljen problem u jednakosti mogućnosti – to da je nekima teže da izadju iz nemaštine i postanu bogati. Bez sumnje, neki mali deo potiče od ljudi koji jednostavno ne žele da se trude ili preduzmu neophodne rizike da bi postali bogati.
Međutim, oba ova problema imaju više veze sa problemima kako naš novac danas funkcioniše, nego sa bilo kojim problemom u samom konceptu novca. Novčani sistem treba da nagrađuje ljude koji proizvode vredne stvari i trguju njima sa drugima. Verujem da većina ljudi danas misli da novac tako funkcioniše, i to ne bi smelo da bude daleko od istine.
Naš trenutni monetarni sistem, na žalost, nagrađuje ’finansijalizaciju’ – pretvarajući sve u imovinu, čija vrednost može da se napumpava ili spušta stvaranjem dobre priče i navođenjem drugih da veruju u nju. Razuzdani dug pogonjen stalnim omalovažavanjem svih glavnih valuta dodat je ovom blatu finansijalizacije. Sada je isplativije podići ogroman kredit i koristiti ga za brzo okretanje imovine radi zarade nego izgraditi posao koji društvu nudi korisne robe i usluge.
Tradicionalni monetarni sistem dodatno nagradjuje predatore, partnere u zločinu i neradnike.
Propast našeg novca razvila se tokom proteklih pola veka, počevši od toga kada su naše valute postale ništa više od parčeta papira, podržanog sa verom i kreditima naših vlada. Da biste bolje razumeli ovu promenu, pogledajte moj post o svrsi i istoriji novca.
Ako vam se sviđa moj rad, molim vas da ga podelite sa svojim prijateljima i porodicom. Cilj mi je da svima pružim pogled u ekonomiju i na to kako ona utiče na njihov život.
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@ 6b3780ef:221416c8
2025-06-03 09:09:59Release time!
We are thrilled to announce the release of the new version of DVMCP, packed with a host of new features and enhancements. The standout improvement is the support for the new specification, which brings loads of new possibilities and a future-proof design to accommodate MCP protocol as it evolves.
Currently, DVMCP supports all major MCP capabilities, tools, resources, resource templates, and prompts, along with features like autocompletion. While there are still a few minor MCP features that are not yet supported, the new specification will allows us to introduce new features and capabilities progressively.
A significant amount of work has gone into this update, from designing and drafting the new DVMCP specification, ensuring it aligns with the latest MCP standards. We have also refactored the bridge, discovery, and commons package, adapted the DVMCP.fun website (currently at next.dvmcp.fun), and even created a new storage type for relays to handle ephemeral events more robustly and efficiently. This new storage solution is already powering the DVMCP relay.
These enhancements represent a significant expansion of the possibilities available to DVMCP users. By combining MCP with Nostr, DVMCP offers rock-solid authentication and seamless payments using Lightning. We have many exciting ideas for utilizing these new capabilities in innovative ways, such as monetizing resources for creators, creating collections of prompts, developing agentic capabilities, and much more. Rest assured, we will be rolling out more on this gradually.
Additionally, DVMCP is already providing some servers that you can use for free. These can be discovered using the discovery package with any MCP client or by trying them out on the website.
Rollout Plan
As this update introduces breaking changes, including different event types for various DVMCP-related events, we are hosting the new version of the website at next.dvmcp.fun, with packages starting from version 0.2.x. We will be testing this version and welcome feedback from users over the next 10 days. After this period, we will deploy the 'next' version of the website to the main domain.
Updates on Ecosystem Components
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DVMCP Packages: Starting from version 0.2.x, all packages include breaking changes. If you are already using DVMCP, please adapt to the new kinds and events. You can refer to the
@dvmcp-commons
package for all the new kinds and tags. -
DVMCP.fun: The website has been entirely refactored to support the new specification and now utilizes idiomatic Svelte 5 across the application. Currently the new version is living at next.dvmcp.fun
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DVMCP Relay: The relay is now powered by the 'rely' framework and employs our atomic circular buffer implementation to handle ephemeral events more robustly and efficiently. It also uses LMDB as persistent storage for announcements and capability events.
Looking ahead, we plan to launch more servers offering various services, develop agentic DVMCPs, create additional guides and tutorials, integrate DVMCP into LLM web interfaces, provide statistics for the DVMCP relay, explore novel concepts in MCP + Nostr integration, and continuously improve the code to make it more accessible to developers as libraries.
Thank you for joining us on this journey! We are incredibly excited about the possibilities that lie ahead and what’s coming next. Stay tuned!
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@ cae03c48:2a7d6671
2025-06-03 20:01:05Bitcoin Magazine
NBX Acquires Bitcoin, Becomes First Public Bitcoin Treasury Company in NorwayNorwegian Block Exchange (NBX), a leading Nordic cryptocurrency exchange and digital asset platform, announced that it has added Bitcoin to its balance sheet, marking a national milestone as the first publicly listed company in Norway to hold Bitcoin as part of its treasury strategy.
JUST IN:
Norwegian Block Exchange becomes the first publicly traded #Bitcoin treasury company in the country
pic.twitter.com/kY9KK2VbFi
— Bitcoin Magazine (@BitcoinMagazine) June 2, 2025
The company has secured 6.0 Bitcoin and plans to increase its holdings to 10.0 within June. The assets, loaned from NBX’s largest shareholders, will be used as collateral to issue USDM, a MiCA-compliant stablecoin. NBX said it aims to generate yield through Bitcoin and the USDM ecosystems.
“NBX will not sell this Bitcoin or go short in any form,” the company said. “With reference to the latest POA notice with LDA capital, NBX will also use proceeds to buy additional Bitcoin.”
NBX is currently talking with HNIs, family offices, and others about raising more capital to buy additional Bitcoin. The company is also hosting a Bitcoin treasury event on June 11.
“Bitcoin is becoming an important part of the global financial infrastructure,” the company stated in the announcement. “The Bitcoin will increase operational efficiency, in addition to attracting capital that need exposure to Bitcoin yet only have a mandate to invest in Norwegian publicly listed companies.”
The adoption of Bitcoin as a treasury reserve asset has dramatically increased over the course of the last year, expanding globally. To date, there are 214 companies and other entities with Bitcoin in their balance sheets.
Méliuz, Brazilian fintech company, also recently announced on May 15th, that it purchased an additional R$160.8 million (approx. $30.5 million) worth of Bitcoin, adding 274.5 BTC at an average price of $103,600 each, after becoming the first Bitcoin treasury company in Brazil earlier this year. Combined with its initial R$24 million investment two months ago, Méliuz now holds 320 BTC, making it the 42nd largest corporate holder of Bitcoin globally.
JUST IN:
Brazilian public company Méliuz becomes first Bitcoin Treasury Company in the country, buys $28.4 million #Bitcoin pic.twitter.com/6WnFqefy3L
— Bitcoin Magazine (@BitcoinMagazine) May 15, 2025
Méliuz Founder and Chairman Israel Salmen noted that the move attracted a new wave of crypto-focused investors. In his words, translated from Portuguese, “a lot of new people started buying the stock because of this strategy. We caught the attention of the crypto crowd, which is a much larger audience than stock market investors. There are around 20 million people investing in crypto today and only about 5 million in the stock market.”
The investment, approved by Méliuz’s board, is part of a new treasury management policy focused on long-term returns. The company also formed a Bitcoin Strategic Committee to explore expanding the allocation and potentially making Bitcoin a primary treasury asset.
Salmen told local media the move into bitcoin provides an “intelligent alternative” to holding cash reserves. “We see bitcoin as a long-term store of value,” he said. The company, which offers cashback and financial services to over 30 million users in Brazil, is aiming to revive investor interest after its market cap dropped from $6 billion in 2021 to $270 million.
This post NBX Acquires Bitcoin, Becomes First Public Bitcoin Treasury Company in Norway first appeared on Bitcoin Magazine and is written by Oscar Zarraga Perez.
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@ bf47c19e:c3d2573b
2025-06-03 17:46:50Originalni tekst na bitcoin-balkan.com.
Pregled sadržaja
- Procena vrednosti
- Većina Bitcoin-ovih pozitivnih strana opstaje
- Broj ljudi koji su prihvatili Bitcoin
- Zaključak
Prošlo je trinaest godina od nastanka Bitcoina i lako je poverovati da je većina njegovog rasta iza njega. Deo ovoga je rezultat predrasude koju svi delimo i što nas navodi da zamislimo trenutno stanje stvari kao završni stepen njegovog razvoja. Svaki bitcoiner je nekad mislio da je prekasan sa Bitcoin-om. Međutim, kada primenjujemo kritičko razmišljanje da bismo procenili gde je Bitcoin u svojoj putanji rasta, otkrivamo da je suprotno u stvari tačno: još uvek je vrlo, vrlo rano.
Postoje dva načina da razmišljate o tome koliko je rano za Bitcoin kao zalihu vrednosti neke imovine:
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Procena vrednosti kao procenat od njegovog punog potencijala
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Prihvatanje kao procenat od njegovog punog potencijala (na čemu je fokus u ovom članku).
Procena vrednosti
Prvi i najčešći način da se proceni koliko je rano za Bitcoin je da se pogleda njegova ukupna vrednost (trenutno oko 900B USD) i uporedi sa njegovim punim potencijalom. Izazov sa ovim je očigledno da je puni potencijal Bitcoin-a stvar nagađanja. Oni koji duboko razumeju Bitcoin imaju tendenciju da njegov potencijal posmatraju barem kao potencijal zlata (oko 13T USD), ali teoretski više poput 200T USD (oko polovine ukupne vrednosti sveta).
Za brzi pregled ovog potencijala od 200T USD, pogledajmo ukupno raspoloživo tržište Bitcoin-a. Radi jednostavnosti, samo ćemo razmotriti njegovu ulogu zalihe vrednosti i zanemariti njegov potencijal da pojede tržišni udeo od oko 100T USD ukupne vrednosti u različitim svetskim valutama. Uzimajući u obzir različite zalihe vrednosne imovine i grubom procenom koliki bi % Bitcoin mogao da uzme od njih, dobili smo ovakav rezultat:
Iako put do 200T USD nije veliko rastezanje, u stvarnoj vrednosti čini se previše dobrim da bi bio istinit. Sa obzirom da je bez presedana da zaliha vrednosti neke robe postigne vrednost veću od zlata, to jednostavno predstavlja neistraženu teritoriju. Ali čak i ako se jednostavno pridržavamo targetiranja niže ciljne vrednosti zlata od 13T USD, Bitcoin još uvek tendenciju velikog porasta svoje cene u budućnosti.
Većina Bitcoin-ovih pozitivnih strana opstaje
Svako ko razmišlja da nešto svog teško zarađenog novca uskladišti u Bitcoin pita se „da li sam poranio ili zakasnio?“ Nepisano je pravilo da se svako oseća kao da je zakasnio kad stigne. Brojni su primeri ljudi koji žale kako su zakasnili 2011. ili 2013. ili 2016. godine, kada je cena Bitcoin-a bila 5, 100, odnosno 600 USD.
Kao i u bilo kojoj zajednici koja se razvija i raste i u kojoj ima manjka nekretninama, pridošlice zavide ljudima koji su već obezbedili sebi nekretninu, ne sluteći da će njima zavideti ljudi koji tek treba da dođu. Ovaj fenomen je primenjiv i na velikom broju drugih primera. Na primer, zakasneli u Kalifornijskoj zlatnoj groznici bili su razočarani kada su došli, a bogata zlatna polja su već bila iscrpljena, i umesto toga su se naseliti na nekoliko stotina hektara zemljišta, a koje sada vrede bogatstvo.
U srcu ovog osećanja je strah da više nema uspona, da više nema novca koji se može zaraditi uzimajući ono što je još uvek ostalo dostupno. Da li smo dostigli tu tačku sa Bitcoin-om?
Pa ne. Čini se da je zapravo suprotno. Na osnovu punog potencijalnog opsega procene koji smo utvrdili gore, čak i u ishodu niskog nivoa (13T USD), velika većina bogatstva koje će steći vlasnici Bitcoin-a, tek treba da se stekne (96%). Da bi parirao proceni zlata, Bitcoin i dalje mora da poraste 26 puta.
A ako se desi vrhunski ishod, punih 99,7% ukupnog stvaranja bogatstva Bitcoin-a ostaje pred nama. To bi značilo da Bitcoin još uvek treba da poraste 400 puta, zanemarujući pariranje zlatu.
Stavljanjem trenutne vrednosti Bitcoin-a u perspektivu, postaje jasno da je za Bitcoin još uvek vrlo rano.
Iako ova analiza sugeriše da za Bitcoin-u ostaje od 26x do 400x rasta, korisno je proveriti ovaj zaključak kroz drugo razumno objašnjenje, a tamo gde je poznat puni potencijal…
Broj ljudi koji su prihvatili Bitcoin
Procene broja vlasnika Bitcoin-a širom sveta se veoma razlikuju. To je dovelo do prilične količine dvosmislenosti i nesigurnosti u vezi sa stvarnim brojevima i određenog stepena odustajanja i mišljenja da je taj broj jednostavno preteško precizno proceniti. Iako je teško utvrditi konačan broj, glavni razlog za odstupanje u procenama je nedostatak standardizovanih definicija šta znači prihvatanje Bitcoin-a.
Istina je da postoje različiti nivoi prihvatanja Bitcoin-a. Podelom na segmente prihvatanja Bitcoin-a lakše je uvideti ne samo zašto postoji širok opseg procena, već i još važnije, koliko je još uvek rano za prihvatanje Bitcoin-a kao preferirane zalihe vrednosti.
U ove svrhe, hajde da podelimo u segmente prihvatanje Bitcoin-a na četiri različita „nivoa“:
1. Kežual amateri (prstom u vodi)
2. Alokatori 1% (stopalima u vodi)
3. Značajni vernici (do pojasa u vodi)
4. Bitcoin maximalisti (u vodi preko glave)
Pre nego što počnemo, potreban nam je imenilac. Mogli bismo da koristimo globalno stanovništvo, ali po mom mišljenju ovo daje loše rezultate. Ono što mi zaista procenjujemo je koji procenat sveta koji poseduje odredjeno bogatstvo za skladištenje u Bitcoin-u, je to i učinio. Prema podacima sa sajta Statista, 2,2 biliona ljudi na svetu poseduje najmanje 10k USD u neto vrednosti, što se čini kao razumna granica za zalihu koju žele da uskladište. Činjenica je da će siromašne zajednice takođe koristiti Bitcoin kao zalihu vrednosti i verovatno će iz njega izvući veću korist kao rezultat marginalnog pristupa tradicionalnoj bankarskoj infrastrukturi kao klijenti banaka sa „niskom vrednošću“. Međutim, u naše svrhe, jednostavno gledamo koliko je ljudi usvojilo Bitcoin među grupama sa značajnim bogatstvom za skladištenje, tako da će 2.2 biliona služiti kao naša puna potencijalna veličina tržišta.
1. Kežual amateri
Ovaj segment ljudi koji su prihvatili Bitcoin uključuje sve one koji imaju bilo koju količinu Bitcoin-a – vašeg prijatelja sa 20 USD BTC-a negde u nekom novčaniku ili vašu tetku koja se ne seća svoje Coinbase lozinke iz 2017. Po mom mišljenju, najveća zabuna oko broja ljudi koji su prihvatili Bitcoin nastaje zbog poistovećivanja „kežual amatera“ sa ljudima koji su u potpunosti prihvatili Bitcoin. Realnost je takva da ljudi ovog segmenta uglavnom samo eksperimentišu, bilo da bi stekli osećaj za ono o čemu svi pričaju, ili samo uložu nekoliko dolara u Bitcoin u nadi da će možda dobiti džekpot, kao što je slučaj sa greb-greb nagradnim igrama.
Zbog toga, „kežual amateri“ su razlog dovodjenja u zabludu pravog broja ljudi koji su u potpunosti prihvatili Bitcoin. Njihovo ponašanje zapravo ne predstavlja prihvatanje u pravom smislu te reči i stoga se ne bi trebalo smatrati ljudima koji su u potpunosti prihvatili Bitcoin. Istina je da, kada kežual amateri shvate da je Bitcoin najbolja zaliha vrednosti neke imovine u istoriji, neće ostati na samo 20 USD u Bitcoin-ima. Umesto toga, oni će svoju štednju prebaciti u mnogo većim iznosima.
Što se tiče odredjivanja veličine ovog segmenta, Willy Woo je sastavio razumno iscrpnu i sveobuhvatnu procenu od oko 187 miliona ljudi koji su prihvatili Bitcoin, što znači da su oni u najmanju ruku „kežual amateri“.
Koristeći ovaj i naš puni potencijal od 2,2 biliona ljudi kao imenioca, 8,5% potencijalnih ljudi koji su prihvatili Bitcoin-e dostiglo je nivo „kežual amatera“. Ovo je prilično velik broj i potpuno obmanjuje stvarni obim potpunog prihvatanja, a što će pokazati sledeći segmenti.
2. Alokatori 1%
Za preostale potkategorije, tačni podaci su manje dostupni. Kao takvi, sve što možemo je da smislimo razumne procene putem triangulacije.
Po mom mišljenju, „alokatori 1%“ se mogu okarakterisati kao ljudi koji su prihvatili Bitcoin, i koji žele da imaju mali, ali ne i zanemarljivi deo u Bitcoin-u. Za naše svrhu, mislim da je pristojan prag za ovu grupu svako ko ima najmanje 0,1 Bitcoin, i može se smatrati da imaju malu, ali ne i zanemarljivu poziciju u Bitcoin-u.
Gledajući Bitcoin blockchain, postoji oko 3 miliona adresa koje imaju najmanje 0,1 BTC. Pored ovih brojeva na blockchain-u, moramo da uzmemo u obzir i znatan broj ljudi koji imaju ovaj iznos na berzi ili GBTC-u. Kombinovanjem, mislim da je razumno proceniti da je 10 miliona ljudi dostiglo nivo „alokatora 1%“ ili veći.
Na osnovu ovih brojeva, samo 1⁄17 „kežual amatera“ dostiglo je nivo prihvatanja „alokatora 1%“, što znači da je ovaj nivo prihvatanja Bitcoin-a do danas postigao samo 0,5% penetracije. Ovaj strmi pad je razlog zašto je došlo do zablude da veliki broj „kežual amatera“ bude označeno kao grupa koja je u potpunosti prihvatila Bitcoin.
3. Značajni vernici
U ovu kategoriju spada svako ko je dostigao nivo razumevanja Bitcoin-a da alokacija od 1% ili čak 5% više ne izgleda dovoljna.
Uopšteno govoreći, ova grupa se kreće u rasponu od 5 – 50%. Išao bih toliko daleko da bih rekao da je većina ljudi koji sebe smatraju vernicima u Bitcoin-e, uključujući većinu Bitcoin Twitter-a, negde u ovoj grupi.
Procena veličine ove grupe postaje mnogo nejasnija, ali možemo se osloniti na podatke iz blockchain-a da bismo došli do razumne procene.
Za početak, hajde da utvrdimo da je većina ljudi koji su dostigli ovaj nivo verovanja i razumevanja Bitcoin-a, izborila da poseduje najmanje 1 Bitcoin. Pored toga, ovaj nivo ljudi koji su prihvatili Bitcoin je verovatno osigurao svoj Bitcoin u chain-u novčanika kojim oni upravljaju. Gledajući podatke na chain-u, oko 820k adresa ima najmanje 1 Bitcoin. Kao grubu pretpostavku, uzmimo da 500k od toga poseduju ljudi koji su dostigli nivo prihvatanja „značajnog vernika“.
Ako potom generički zaokružimo akaunte za ljude koji nisu postigli status wholecoiner-a (eng. osoba koja poseduje barem 1 BTC), ili koji svoja sredstva drže na berzi, dolazimo do grube procene od 2 miliona „značajnih vernika“.
4. Bitcoin maximalisti
Za našu svrhu, recimo da ova grupa uključuje svakoga ko je dovoljno duboko ušao u Bitcoin da je zaključio da bi više od 50% njihove neto vrednosti trebalo da bude uskladišteno u Bitcoin-u.
Procena veličine ove grupe je gotovo nemoguća, zato ćemo morati da budemo kreativni.
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Prodaja „Bitcoin Standard“
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Hajde da konzervativno procenimo da je samo 20% maximalističara kupilo Bitcoin Standard, i da je 50% tih ljudi koji su ga razumeli, postali maksimalisti. Na osnovu knjige Amazon US rank (6,681), onlajn kalkulatori procenjuju da je prodato oko 15k primeraka.
- Hajde da budemo velikodušni i da zaokružimo taj broj od oko 15k na 50k, uzimajući u obzir međunarodnu prodaju i kupovinu izvan Amazona.
Ovo nas dovodi do procene broja od 125k maximalista. Da ne bismo pogrešili, bićemo oprezni, i udvostručimo taj broj i rećićemo da ih ima 250k.
- Kvalitativna triangulacija
Čisto subjektivno, ali čini mi se da na Twitter-u, primarnom domu za komunikaciju maximalista, postoji možda 10k aktivno angažovanih Bitcoin maximalista. Da budemo vrlo konzervativni, recimo da ovo predstavlja oko 5% maximalista (od ukupno 200k).
Uz to, kao procenu od vrha nadole, čini se opravdanim da je oko 10% ljudi koji su dostigli 5 – 50% alokacije Bitcoin-a napravilo skok ka maximalizmu.
Sve u svemu, cifra od oko 250k Bitcoin maximalista čini se konzervativnom, ako ne i velikodušnom pretpostavkom.
To nas dovodi do 0,01% penetracije.
Zaključak
Kako god gledali brojke, još uvek je rano za Bitcoin. Posmatrajući procenu vrednosti Bitcoin-a kao procenat njegovog punog potencijala, vidimo da je trenutna vrednost Bitcoin-a negde između 0,2% i 3% njegovog krajnjeg stanja, što znači da ostaje 30x do 500x rasta. Gledajući napredak prihvatanja Bitcoin-a, vidimo da je trenutna penetracija Bitcoin-a negde između 0,01% i 8,5%, u zavisnosti od toga koji prag prihvatanja gledate.
Ako verujete, kao što ja verujem, da je Bitcoin na putu da postane dominantna zaliha vrednosti i preferirani novac za ceo svet, na kraju će norma biti više od 50% posedovanja neto vrednosti u Bitcoin-u. Budući da naša analiza ovde sugeriše da samo 0,01% sveta zadovoljava ove standarde, opravdano je zaključiti da 99,99% sveta ostaje da sledi njihov primer.
Sve u svemu, dok svi koji se pojave na Bitcoin-u neizbežno osećaju žaljenje zbog toga što nisu ranije investirali i pitaju se da li su u potpunosti propustili brod, jasno je da većina rasta Bitcoin-a ostaje pred nama. Da stavimo ovo u neki kontekst, obzirom da može postojati samo 21 milion Bitcoin-a, prosečna osoba na zemlji (od 8 biliona ljudi) imaće samo 0,0025 Bitcoin-a. Još je toliko rano, da ukupna neto vrednost te prosečne osobe u Bitcoin-u može da se kupi za samo 90 USD.
I ako mislite da je kasno, zapravo je veoma rano, zato vam čestitam i uživajte u skupljanju sats-ova dok su još uvek ovako jeftini!
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@ a4a6b584:1e05b95b
2025-01-02 18:13:31The Four-Layer Framework
Layer 1: Zoom Out
Start by looking at the big picture. What’s the subject about, and why does it matter? Focus on the overarching ideas and how they fit together. Think of this as the 30,000-foot view—it’s about understanding the "why" and "how" before diving into the "what."
Example: If you’re learning programming, start by understanding that it’s about giving logical instructions to computers to solve problems.
- Tip: Keep it simple. Summarize the subject in one or two sentences and avoid getting bogged down in specifics at this stage.
Once you have the big picture in mind, it’s time to start breaking it down.
Layer 2: Categorize and Connect
Now it’s time to break the subject into categories—like creating branches on a tree. This helps your brain organize information logically and see connections between ideas.
Example: Studying biology? Group concepts into categories like cells, genetics, and ecosystems.
- Tip: Use headings or labels to group similar ideas. Jot these down in a list or simple diagram to keep track.
With your categories in place, you’re ready to dive into the details that bring them to life.
Layer 3: Master the Details
Once you’ve mapped out the main categories, you’re ready to dive deeper. This is where you learn the nuts and bolts—like formulas, specific techniques, or key terminology. These details make the subject practical and actionable.
Example: In programming, this might mean learning the syntax for loops, conditionals, or functions in your chosen language.
- Tip: Focus on details that clarify the categories from Layer 2. Skip anything that doesn’t add to your understanding.
Now that you’ve mastered the essentials, you can expand your knowledge to include extra material.
Layer 4: Expand Your Horizons
Finally, move on to the extra material—less critical facts, trivia, or edge cases. While these aren’t essential to mastering the subject, they can be useful in specialized discussions or exams.
Example: Learn about rare programming quirks or historical trivia about a language’s development.
- Tip: Spend minimal time here unless it’s necessary for your goals. It’s okay to skim if you’re short on time.
Pro Tips for Better Learning
1. Use Active Recall and Spaced Repetition
Test yourself without looking at notes. Review what you’ve learned at increasing intervals—like after a day, a week, and a month. This strengthens memory by forcing your brain to actively retrieve information.
2. Map It Out
Create visual aids like diagrams or concept maps to clarify relationships between ideas. These are particularly helpful for organizing categories in Layer 2.
3. Teach What You Learn
Explain the subject to someone else as if they’re hearing it for the first time. Teaching exposes any gaps in your understanding and helps reinforce the material.
4. Engage with LLMs and Discuss Concepts
Take advantage of tools like ChatGPT or similar large language models to explore your topic in greater depth. Use these tools to:
- Ask specific questions to clarify confusing points.
- Engage in discussions to simulate real-world applications of the subject.
- Generate examples or analogies that deepen your understanding.Tip: Use LLMs as a study partner, but don’t rely solely on them. Combine these insights with your own critical thinking to develop a well-rounded perspective.
Get Started
Ready to try the Four-Layer Method? Take 15 minutes today to map out the big picture of a topic you’re curious about—what’s it all about, and why does it matter? By building your understanding step by step, you’ll master the subject with less stress and more confidence.
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@ bf47c19e:c3d2573b
2025-06-03 17:43:37Originalni tekst na bitcoin-balkan.com.
Pregled sadržaja
- Odakle Potiče Bitcoin?
- Koje Probleme Rešava Bitcoin?
- Kako se Bitcoin razvijao u poslednjoj deceniji?
Bitcoin je peer to peer elektronski keš, novi oblik digitalnog novca koji se može prenositi između ljudi ili računara, bez potrebe za učestvovanjem pouzdanog posrednika (kao što je banka) i čije izdavanje nije pod kontrolom nijedne stranke.
Zamislite papirni dolar ili metalni novčić. Kad taj novac date drugoj osobi, ona ne mora da zna ko ste vi.
On samo treba da veruju da novac koji dobiju od vas nije falsifikat. Obično, proveravanje falsifikata „fizičkog“ novca, ljudi rade koristeći samo oči i prste ili koristeći specijalnu opremu za testiranje ukoliko se radi o značajnijoj sumi novca.
Većina plaćanja u našem digitalnom društvu vrši se putem Interneta korišćenjem neke posredničke usluge: kompanije za izdavanje kreditnih kartica poput Visa, snabdevača digitalnih plaćanja kao što je PayPal ili Apple Pay ili mrežne platforme poput WeChat u Kini.
Kretanje ka digitalnom plaćanju sa sobom donosi oslanjanje na nekog centralnog aktera koji mora odobriti i verifikovati svaku uplatu.
Priroda novca se promenila od fizičkog predmeta koji možete da nosite, prenesete i autentifikujete do digitalnih bitova koje mora da čuva i verifikuje treća strana koja kontroliše njihov prenos.
Odricanjem od gotovine u korist „udobnih“ digitalnih plaćanja, mi takođe stvaramo sistem u kome dajemo ogromna ovlašćenja onima koji bi poželeli da nas tlače.
Platforme za digitalno plaćanje postale su osnova distopijskih autoritarnih metoda kontrole, poput onih koje kineska vlada koristi za nadgledanje disidenata i sprečava građane, čije ponašanje im se ne svidja, da kupuju robu i plaćaju usluge.
Bitcoin nudi alternativu centralno kontrolisanom digitalnom novcu sa sistemom koji nam vraća prirodu korišćenja keša – čovek čoveku, ali u digitalnom obliku.
Bitcoin je digitalno sredstvo koje se izdaje i prenosi preko mreže međusobno povezanih računara, od koji svaki od njih samostalno potvrđuje da svi ostali igraju po pravilima.
Bitcoin Mreža
Odakle Potiče Bitcoin?
Bitcoin je izumela osoba ili grupa poznata pod pseudonimom Satoshi Nakamoto, oko 2008. godine.
Niko ne zna Satoshijev identitet, a koliko znamo, oni su nestali i o njima se godinama ništa nije čulo.
11.februara 2009. godine, Satoshi je pisao o ranoj verziji Bitcoin-a na mrežnom forumu za cypherpunkere, ljude koji rade na tehnologiji kriptografije i koji su zabrinuti za privatnost i slobodu pojedinca.
Iako ovo nije prvo zvanično objavljivanje Bitcoin-a, sadrži dobar rezime Satoshi-jevih motiva.
Razvio sam novi P2P sistem e-keša otvorenog koda pod nazivom Bitcoin. Potpuno je decentralizovan, bez centralnog servera ili pouzdanih stranki, jer se sve zasniva na kripto dokazima umesto na poverenju. […]
Osnovni problem konvencionalne valute je potpuno poverenje koje je potrebno za njeno funkcionisanje. Centralnoj banci se mora verovati da neće devalvirati valutu, ali istorija tradicionalnih valuta je puna primera kršenja tog poverenja. Bankama se mora verovati da drže naš novac i prenose ga elektronskim putem, ali one ga daju u talasima kreditnih balona sa delićem rezerve. Moramo im verovati sa našom privatnošću, verovati im da neće dozvoliti da kradljivci identiteta pokradu naše račune. Njihovi ogromni režijski troškovi onemogućavaju mikro plaćanja.
Generaciju ranije, višekorisnički time-sharing računarski sistemi imali su sličan problem. Pre pojave jake enkripcije, korisnici su morali da imaju pouzdanje u zaštitu lozinkom kako bi zaštitili svoje fajlove […]
Tada je jaka enkripcija postala dostupna širokim masama i više nije bilo potrebno poverenje. Podaci bi se mogli osigurati na način koji je fizički bio nemoguć za pristup drugima, bez obzira iz kog razloga, bez obzira koliko je dobar izgovor, bez obzira na sve.
Vreme je da imamo istu stvar za novac. Uz e-valutu zasnovanu na kriptografskom dokazu, bez potrebe da verujete posredniku treće strane, novac može biti siguran i transakcije mogu biti izvršene bez napora. […]
Rešenje Bitcoin-a je korišćenje peer-to-peer mreže za proveru dvostruke potrošnje. Ukratko, mreža radi poput distribuiranog servera vremenskih žigova, obeležavajući prvu transakciju koja je potrošila novčić. Potrebna je prednost prirode informacije koju je lako širiti, ali je teško ugušiti. Za detalje o tome kako to funkcioniše, pogledajte članak o dizajnu na bitcoin.org
Satoshi Nakamoto
Koje Probleme Rešava Bitcoin?
Razdvojimo neke od Satoshi-jevih postova kako bismo uvideli razloge njegove motivacije.
„Razvio sam novi P2P sistem e-keša otvorenog koda.“
P2P je skraćenica za peer to peer i ukazuje na sistem u kojem jedna osoba može da komunicira sa drugom bez ikoga u sredini, kao medjusobno jednaki.
Možete se setiti P2P tehnologija za razmenu datoteka poput Napster-a, Kazaa-e i BitTorrrent-a, koje su prve omogućile ljudima da dele muziku i filmove bez posrednika.
Satoshi je dizajnirao Bitcoin kako bi omogućio ljudima da razmenjuju e-keš, elektronski keš, bez prolaska preko posrednika na približno isti način.
Softver je otvorenog koda, što znači da svako može videti kako funkcioniše i doprineti tome.
Ne treba da verujemo ni u šta što je Satoshi napisao u svom postu o tome kako softver radi.
Možemo pogledati kod i sami proveriti kako to funkcioniše. Štaviše, možemo promeniti funkcionalnost sistema promenom koda.
„Potpuno je decentralizovan, bez centralnog servera ili pouzdanih stranki …“
Satoshi napominje da je sistem decentralizovan kako bi se razlikovao od sistema koji imaju centralnu kontrolu.
Prethodne pokušaje stvaranja digitalne gotovine poput DigiCash-a od strane Davida Chaum-a podržavao je centralni server, računar ili skup računara koji je bio odgovoran za izdavanje i verifikaciju plaćanja pod kontrolom jedne korporacije.
Takve, centralno kontrolisane privatne šeme novca, bile su osuđene na propast; ljudi se ne mogu osloniti na novac koji može nestati kada kompanija prestane sa poslovanjem, bude hakovana, pretrpi pad servera ili je zatvori vlada.
Bitcoin održava mreža pojedinaca i kompanija širom sveta.
Da bi se Bitcoin isključio, bilo bi potrebno isključiti desetine do stotine hiljada računara širom sveta u isto vreme, zauvek, od kojih su mnogi na nepoznatim lokacijama.
Bila bi to beznadežna igra, jer bi svaki napad ove prirode jednostavno podstakao stvaranje novih Bitcoin čvorova ili računara na mreži.
„… sve se zasniva na kripto dokazima umesto na poverenju“
Internet, a u stvari i većina savremenih računarskih sistema, izgrađeni su na kriptografiji, metodi prikrivanja informacija, tako da je može dekodirati samo primalac informacije.
Kako se Bitcoin oslobađa potrebe za poverenjem? Umesto da verujemo nekome ko kaže „Ja sam Alisa“ ili „Imam 10 $ na računu“, možemo koristiti kriptografsku matematiku da bismo izneli iste činjenice na način koji je vrlo lako verifikovati od strane primaoca dokaza ali ga je nemoguće falsifikovati.
Bitcoin u svom dizajnu koristi kriptografsku matematiku kako bi učesnicima omogućio da provere ponašanje svih ostalih učesnika, bez poverenja u bilo koju centralnu stranku.
„Moramo im verovati [bankama] sa našom privatnošću, verovati im da neće dozvoliti da kradljivci identiteta pokradu naše račune“
Za razliku od korišćenja vašeg bankovnog računa, sistema digitalnog plaćanja ili kreditne kartice, Bitcoin omogućava dvema stranama da obavljaju transakcije bez davanje bilo kakvih ličnih podataka.
Centralizovana skladišta potrošačkih podataka koji se čuvaju u bankama, kompanijama sa kreditnim karticama, procesorima plaćanja i vladama, predstavljaju pravu poslasticu za hakere.
Kao dokaz Satoshi-jeve poente služi primer iz 2017. godine kada je Equifax masovono kompromitovan, kada su hakeri ukrali identifikacione i finansijske podatke za više od 140 miliona ljudi.
Bitcoin odvaja finansijske transakcije od stvarnih identiteta.
Na kraju krajeva, kada nekome damo fizički novac, on nema potrebu da zna ko smo, niti treba da brinemo da će nakon naše razmene moći da iskoristi neke informacije koje smo mu dali da ukrade još našeg novca.
Zašto ne bismo očekivali isto, ili čak i bolje, od digitalnog novca?
„Centralnoj banci se mora verovati da neće devalvirati valutu, ali istorija tradicionalnih valuta je puna primera kršenja tog poverenja.“
Pojam tradicionalna valuta, odnosi se na valutu izdatu od strane vlade i centralne banke, koju vlada proglašava zakonskim sredstvom plaćanja.
Istorijski, novac je nastao od stvari koje je bilo teško proizvesti, koje su bile lake za proveravanje i transport, poput školjki, staklenih perli, srebra i zlata.
Kad god bi se nešto koristilo kao novac, postojalo je iskušenje da se stvori više toga.
Ako bi neko pronašao vrhunsku tehnologiju za brzo stvaranje velike količine nečega, ta stvar bi izgubila vrednost.
Evropski naseljenici uspeli su da liše afrički kontinent bogatstva trgujući staklenim perlicama koje su se lako proizvodile za ljudske robove.
Isto se dogodilo sa američkim indijancima, kada su kolonisti otkrili način brze proizvodnje vampum školjki, koje su starosedeoci smatrali retkim.
Vremenom, širom sveta ljudi su shvatili da je samo zlato dovoljno retko da deluje kao novac, bez straha da bi neko drugi mogao da ga stvori u velikim količinama.
Polako smo prešli sa svetske ekonomije koja je koristila zlato kao novac na onu gde su banke izdavale papirne sertifikate kao dokaz posedovanja tog zlata.
Nixon je okončao međunarodnu konvertibilnost američkog dolara u zlato 1971. godine, privremenim rešenjem, koje je ubrzo postalo trajno.
Kraj zlatnog standarda omogućio je vladama i centralnim bankama da imaju punu dozvolu da povećavaju novčanu masu po svojoj volji, razredjujući vrednost svake novčanice u opticaju, poznatije kao umanjenje vrednosti.
Iako je izdata od strane vlade, suštinska tradicionalna valuta je novac koji svi znamo i svakodnevno koristimo, ipak je relativno novo iskustvo u opsegu svetske istorije.
Moramo verovati našim vladama da ne zloupotrebljavaju njegovo štamparije, i ne treba nam puno muke da nadjemo primere kršenja tog poverenja.
U autokratskim i centralno planiranim režimima gde vlada ima prst direktno na mašini za novac, kao što je Venecuela, valuta je postala gotovo bezvredna.
Venecuelanski Bolivar prešao je sa 2 bolivara za 1 američki dolar, koliko je vredeo 2009. godine, na 250.000 bolivara za 1 američki dolar 2019. godine.
Pogledajte koliko novčanica je bilo potrebno za kupovinu piletine u Venecueli posle hiperinflacije.
Satoshi je želeo da ponudi alternativu tradicionalnoj valuti čija se ponuda uvek nepredvidivo širi.
Da bi sprečilo umanjenje vrednosti, Satoshi je dizajnirao novčani sistem gde je zaliha bila fiksna i izdavana po predvidljivoj i nepromenjivoj stopi.
Postojaće samo 21 milion Bitcoin-a.
Međutim, svaki Bitcoin se može podeliti na 100 miliona jedinica koje se sada nazivaju satoshis (sats-ovi), što će činiti ukupno 2,1 kvadriliona satoshi-a u opticaju oko 2140. godine.
Pre Bitcoin-a nije bilo moguće sprečiti beskrajnu reprodukciju digitalnih sredstava.
Kopirati digitalnu knjigu, audio datoteku ili video zapis i poslati ga prijatelju, je jeftino i lako.
Jedini izuzeci od toga su digitalna sredstva koja kontrolišu posrednici.
Na primer, kada iznajmite film sa iTunes-a, možete ga gledati na vašem uređaju samo zato što iTunes kontroliše distribuciju tog filma i može ga zaustaviti nakon perioda njegovog iznajmljivanja.
Slično tome, vaša banka kontroliše vaš digitalni novac. Zadatak banke je da vodi evidenciju koliko novca imate.
Ako ga prenesete nekom drugom, oni će odobriti ili odbiti takav prenos.
Bitcoin je prvi digitalni sistem koji sprovodi oskudicu bez posrednika i prvo je sredstvo poznato čovečanstvu čija je nepromenljiva ponuda i raspored izdavanja poznat unapred.
Ni plemeniti metali poput zlata nemaju ovo svojstvo, jer uvek možemo iskopati sve više i više zlata ukoliko je to isplativo.
Zamislite da otkrijemo asteroid koji sadrži deset puta više zlata nego što ga imamo na zemlji.
Šta bi se dogodilo sa cenom zlata uzimajući u obzir tako obilnu ponudu? Bitcoin je imun na takva otkrića i manipulisanje nabavkom.
Jednostavno je nemoguće proizvesti više od toga (21 miliona).
„Podaci bi se mogli osigurati na način koji je fizički bio nemoguć za pristup drugima, bez obzira iz kog razloga, bez obzira koliko je dobar izgovor, bez obzira na sve. […] Vreme je da imamo istu stvar za novac “
Naše trenutne metode obezbeđivanja novca, poput stavljanja u banku, oslanjaju se na poverenje nekome drugom da će obaviti taj posao.
Poverenje u takvog posrednika ne zahteva samo sigurnost da on neće učiniti nešto zlonamerno ili glupo, već i da vlada neće zapleniti ili zamrznuti vaša sredstva vršeći pritisak na ovog posrednika.
Međutim, videli smo bezbroj puta da vlade mogu, i zaista uskraćuju pristup novcu kada se osećaju ugroženo.
Nekom ko živi u Sjedinjenim Državama ili nekoj drugoj visoko regulisanoj ekonomiji možda zvuči glupo da razmišlja da se probudi sa oduzetim novcem, ali to se događa stalno.
PayPal mi je zamrzao sredstva jednostavno zato par meseci nisam koristio svoj račun.
Trebalo mi je više od nedelju dana da vratim pristup „svom“ novcu.
Srećan sam što živim u Europi, gde bih se bar mogao nadati da ću potražiti neko pravno rešenje ako mi PayPal zamrzne sredstva i gde imam osnovno poverenje da moja vlada i banka neće ukrasti moj novac.
Mnogo gore stvari su se dogodile, i trenutno se dešavaju, u zemljama sa manje slobode.
Banke su se zatvorile tokom kolapsa valuta u Grčkoj.
Banke na Kipru su koristile kaucije da konfiskuju sredstva od svojih klijenata.
Indijska vlada je proglasila određene novčanice bezvrednim.
Bivši SSSR, u kojem sam odrastao, imao je ekonomiju pod kontrolom vlade što je dovelo do ogromnih nestašica robe.
Bilo je nezakonito posedovati strane valute kao što je američki dolar.
Kada smo poželeli da odemo, mojoj porodici je bilo dozvoljeno da zameni samo ograničenu količinu novca po osobi za američke dolare po zvaničnom kursu koji je bio u velikoj meri različit od pravog kursa slobodnog tržišta.
U stvari, vlada nam je oduzela ono malo bogatstva koje smo imali koristeći gvozdeni stisak na ekonomiji i kretanju kapitala.
Autokratske zemlje imaju tendenciju da sprovode strogu ekonomsku kontrolu, sprečavajući ljude da na slobodnom tržištu povuku svoj novac iz banaka, iznesu ga iz zemlje ili da ga razmene u ne još uvek bezvredne valute poput američkog dolara.
To omogućava vladinoj slobodnoj vladavini da primeni sulude ekonomske eksperimente poput socijalističkog sistema SSSR-a.
Bitcoin se ne oslanja na poverenje u treću stranu da bi osigurao vaš novac.
Umesto toga, Bitcoin onemogućava drugima pristup vašim novčićima bez jedinstvenog ključa koji imate samo vi, bez obzira iz kog razloga, bez obzira koliko je dobar izgovor, bez obzira na sve.
Držeći Bitcoin, držite ključeve sopstvene finansijske slobode. Bitcoin razdvaja novac i državu
„Rešenje Bitcoin-a je korišćenje peer-to-peer mreže za proveru dvostruke potrošnje […] poput distribuiranog servera vremenskih žigova, obeležavajući prvu transakciju koja je potrošila novčić“
Mreža se odnosi na ideju da je gomila računara povezana i da mogu međusobno slati poruke.
Reč distribuirano znači da ne postoji centralna stranka koja kontroliše, već da svi učesnici koordiniraju medjusobno kako bi mreža bila uspešna.
U sistemu bez centralne kontrole, bitno je znati da niko ne vara. Ideja dvostruke potrošnje odnosi se na mogućnost trošenja istog novca dva puta.
Fizički novac odlazi iz vaše ruke kad ga potrošite. Međutim, digitalne transakcije se mogu kopirati baš kao muzika ili filmovi.
Kada novac šaljete preko banke, oni se pobrinu da isti novac ne možete da prebacujete dva puta.
U sistemu bez centralne kontrole potreban nam je način da sprečimo ovu vrstu dvostruke potrošnje, koja je u suštini ista kao i falsifikovanje novca.
Satoshi opisuje da učesnici u Bitcoin mreži rade zajedno kako bi vremenski označili (doveli u red) transakcije kako bismo znali šta je bilo prvo.
Zbog toga možemo odbiti sve buduće pokušaje trošenja istog novca.
Satoshi se uhvatio u koštac sa nekoliko zanimljivih tehničkih problema kako bi rešio probleme privatnosti, uništavanja vrednosti i centralne kontrole u trenutnim monetarnim sistemima.
Na kraju je stvorio peer to peer mrežu kojoj se svako mogao pridružiti bez otkrivanja svog identiteta ili potrebe da veruje bilo kom drugom učesniku.
Kako se Bitcoin razvijao u poslednjoj deceniji?
Doprinosi izvornom kodu Bitcoina
Kada je Bitcoin pokrenut, samo nekolicina ljudi ga je koristila i pokrenula Bitcoin softver na svojim računarima za napajanje Bitcoin mreže.
Većina ljudi u to vreme mislila je da je to šala ili da će se otkriti ozbiljni nedostaci u dizajnu sistema koji će ga učiniti neizvodljivim.
Vremenom se mreži pridružilo sve više ljudi koji su pomoću svojih računara dodali sigurnost mreži.
Ljudi su počeli da menjaju Bitcoin-e za robu i usluge, dajući mu stvarnu vrednost. Pojavile su se menjačnice valuta koje su menjale Bitcoin-e za gotovo sve tradicionalne valute na svetu.
Deset godina nakon izuma, Bitcoin koriste milioni ljudi sa desetinama do stotinama hiljada čvorova koji pokreću besplatni Bitcoin softver, koji se razvija od strane stotina dobrovoljaca i kompanija širom sveta.
Bitcoin mreža je porasla kako bi obezbedila vrednost veću od stotine biliona dolara.
Računari koji učestvuju u zaštiti Bitcoin mreže poznati su kao rudari/majneri.
Oni rade u industrijskim operacijama širom sveta, ulažući milione dolara u specijalni rudarski hardver koji radi samo jedno: pobrinuti se da je Bitcoin najsigurnija mreža na planeti.
Rudari troše električnu energiju kako bi transakcije Bitcoin-a učinile sigurnim od modifikacija. Budući da se rudari međusobno takmiče za oskudan broj Bitcoin-a proizvedenih dnevno, oni uvek moraju da pronalaze najjeftinije izvore energije na planeti da bi ostali profitabilni.
Rudari rade na različitim mestima, od hidroelektrana u dalekim krajevima Kine do vetroparkova u Teksasu, do kanadskih naftnih polja koja proizvode gas koji bi u suprotnom bio odzračen ili spaljen u atmosferi.
Iako je Bitcoin popularna tema i o njemu se često raspravlja u medijima, procenjujemo da je samo nekoliko miliona ljudi na svetu počelo da redovno štedi Bitcoin.
Za mnoge ljude, posebno za one koji nikada nisu živeli pod represivnim režimima, ovaj izum novog oblika digitalnog novca izvan kontrole vlade može biti veoma izazovan za razumevanje i prihvatanje.
Zato sam ja ovde. Želim da vam pomognem da razumete Bitcoin i budete gospodar svoje budućnosti!
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@ fd208ee8:0fd927c1
2024-12-26 07:02:59I just read this, and found it enlightening.
Jung... notes that intelligence can be seen as problem solving at an everyday level..., whereas creativity may represent problem solving for less common issues
Other studies have used metaphor creation as a creativity measure instead of divergent thinking and a spectrum of CHC components instead of just g and have found much higher relationships between creativity and intelligence than past studies
https://www.mdpi.com/2079-3200/3/3/59
I'm unusually intelligent (Who isn't?), but I'm much more creative, than intelligent, and I think that confuses people. The ability to apply intelligence, to solve completely novel problems, on the fly, is something IQ tests don't even claim to measure. They just claim a correlation.
Creativity requires taking wild, mental leaps out into nothingness; simply trusting that your brain will land you safely. And this is why I've been at the forefront of massive innovation, over and over, but never got rich off of it.
I'm a starving autist.
Zaps are the first time I've ever made money directly, for solving novel problems. Companies don't do this because there is a span of time between providing a solution and the solution being implemented, and the person building the implementation (or their boss) receives all the credit for the existence of the solution. At best, you can hope to get pawned off with a small bonus.
Nobody can remember who came up with the solution, originally, and that person might not even be there, anymore, and probably never filed a patent, and may have no idea that their idea has even been built. They just run across it, later, in a tech magazine or museum, and say, "Well, will you look at that! Someone actually went and built it! Isn't that nice!"
Universities at least had the idea of cementing novel solutions in academic papers, but that: 1) only works if you're an academic, and at a university, 2) is an incredibly slow process, not appropriate for a truly innovative field, 3) leads to manifestations of perverse incentives and biased research frameworks, coming from 'publish or perish' policies.
But I think long-form notes and zaps solve for this problem. #Alexandria, especially, is being built to cater to this long-suffering class of chronic underachievers. It leaves a written, public, time-stamped record of Clever Ideas We Have Had.
Because they are clever, the ideas. And we have had them.
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@ 866e0139:6a9334e5
2025-06-03 07:31:24Autor: Andreas Hagen. Dieser Beitrag wurde mit dem Pareto-Client geschrieben. Sie finden alle Texte der Friedenstaube und weitere Texte zum Thema Frieden hier. Die neuesten Pareto-Artikel finden Sie in unserem Telegram-Kanal.
Die neuesten Artikel der Friedenstaube gibt es jetzt auch im eigenen Friedenstaube-Telegram-Kanal.
Heute ist Karfreitag 2025, und ich beginne diese Zeilen um kurz nach 15 Uhr zu schreiben. Seit ich von der Friedenstaube gehört hatte, bastelte ich innerlich immer wieder an dem Text, der Ihnen heute vorliegt. Ich bin kein beruflicher Autor, aber ich möchte meinem Impuls folgen, meine Lebenserfahrungen zu teilen. In der Absicht, dass dieser Inhalt hilfreich in diesen schwierigen Zeiten wirkt.
Ich wurde recht katholisch erzogen in einem (Deutschen) Familiensystem, das von den Wirkungen des Zweiten Weltkrieges – gelinde gesagt – stark geprägt wurde. Was ich als Kind in den 70er Jahren nur über das Spüren wahrgenommen hatte, erklärte sich mir im Laufe meines Erwachsen-Werdens, vor allem über die Erzählungen meines Vaters. Heute bin ich Buddhist, und neben dem Verstehen empfinde ich immer größer werdendes Mitgefühl für meine Großeltern und deren Kinder, die mich auf die Welt gebracht haben.
Während des Krieges ging es in diesen beiden Familien vorrangig um Überleben, wie in vielen anderen Familien auch. Die Männer in Ihrer „Funktion“ an der Front – später dann physisch und psychisch schwer verletzt. Die Frauen auf sich gestellt mit Kindern, Armut, Hoffnungslosigkeit und existentiellen Ängsten ausgesetzt.
Diese Erlebnisse über Jahre hinweg und die daraus resultierenden inneren Zustände oder Gefühle meiner Ahnen sind in einer gewissen Art und Weise über mehrere Generationen hinweg bis in mein eigenes Körper-Geist-System weitergegeben worden. Was manche als kollektiv-psychologisches Phänomen mit dem Namen „German Angst“ beschreiben, möchte ich in den folgenden Zeilen unter dem Kontext einer fernöstlichen Sichtweise betrachten. Das scheint möglicherweise etwas ungewöhnlich, aber lassen Sie sich in der kommenden Lesezeit auf ein Denk-Experiment ein, das sich lohnen wird.
Ich spreche über das Prinzip des NICHT-TUNS, in der daoistischen Philosophie WU WEI genannt.
Betrachtet man das Phänomen der „German Angst“ unter Zuhilfenahme des Prinzips des Nicht-Tuns, kann man ein inhärentes Möglichkeitspotential darin entdecken. Das heißt, wir betrachten ein bekanntes Phänomen aus einer vollständig anderen Perspektive, und durch den etwas anderen Blick wird etwas sichtbar, was vorher schon da war, aber noch im Verborgenen.
Dieses in uns liegende Möglichkeitspotential kann uns in den kommenden Monaten hilfreich sein, um dem zu begegnen, was gerade in Deutschland und Europa stattfindet. Manche bezeichnen den aktuellen Prozess als Optimierung der Verteidigungsfähigkeiten, andere betrachten ihn als Kriegsvorbereitung, wobei die offenliegende, primäre Auswirkung der „German Angst“ als Durchsetzungswerkzeug nutzbar gemacht wird.
Aber erst einmal zurück zu Karfreitag vor über zweitausend Jahren: An jenem Nachmittag hing Christus am Kreuz angenagelt und absichtlich schwer verletzt (für Viele, damals wie heute, DER SOHN GOTTES und Ausdruck bedingungsloser Liebe). Wenn man sich in diese Situation hineinfühlt, wird das Leid schier unerträglich. Und ich bitte den Leser unabhängig von seiner Religion oder inneren Ausrichtung explizit, kurz innezuhalten und sich in diesen sterbenden Menschen hineinzuversetzen.
DAS war das letztendliche Ergebnis von KRIEG. DIE LIEBE wurde an ein Kreuz genagelt, mit einem Speer aufgespießt und dann starb sie – langsam und qualvoll.
Wenn man den Überlieferungen glaubt, waren einige seiner engen Schüler und Vertrauten ganz in der Nähe. Auch deren Gefühlswelt ist vom Leser nach zweitausend Jahren nachfühlbar, auch wenn es ähnlich schwierig ist.
Manch Historiker argumentiert, dass Jesus/Christus bereits einige Zeit vor diesem Ereignis wusste, welches „Ende“ ihm bestimmt war. So dann auch wohl seine engsten Vertrauten, vielleicht sogar die gesamte Essener-Gemeinschaft, aus der er stammte. Wenn dem so war, ist dieses Wesen in Klarheit und absoluter Hingabe in diesen unglaublich leidvollen Prozess gegangen.
Man kann auch rein gedanklich nachvollziehen, dass alle ihm nahestehenden Menschen schwierige Gefühle wie Verzweiflung, Ohnmacht und Wut in allerhöchster Ausprägung aushalten mussten. Nicht nur an diesem Tag, sondern schon einige Zeit davor und noch lange danach. Diese Menschen waren allerdings von IHM ausgebildet, genauso wie Jesus selbst in hohen Weisheitslehren ausgebildet war.
Das macht hier den Unterschied aus, auf den ich hinweisen möchte.
Die Geschichte lehrt uns, dass er und seine Anhänger besondere Menschen waren. In diesem, für die Menschheit so einschneidenden und bis heute überlieferten Ereignis, war ein wesentlicher Bestandteil von absoluter Wichtigkeit für alle Beteiligten:
Das NICHT-TUN
Und ich bin der Meinung, dass dieses NICHT-TUN in unserer Zeitqualität immer noch ein wesentlicher Schlüssel für die Herausforderungen ist, vor denen wir heute und in nächster Zukunft stehen.
Was ist denn NICHT-TUN und wie unterscheidet es sich vom Nichts-Tun?
NICHT-TUN fängt an mit einer all-umfassenden Wahrnehmung von dem, was ist. OHNE direkte Reaktion.
Das Nichts-Tun hingegen fängt mit einer schnell eingeschränkten Wahrnehmung an – der Einschränkung gehen meist schwierige Gefühle voran, gegen die ein Mensch automatisch Widerstand aufbaut. Oftmals bekommen wir davon auch überhaupt nichts mit und es gibt meistens Trauma in der Vergangenheit als Hintergrund oder Ursache.
Bei gewaltigen Ereignissen mit hohem psycho-energetischem Impact reagieren Lebewesen relativ umgehend entweder mit Totstellen, Flucht oder Kampf. Es sind alles auto-reaktive Muster, die in unserem zentralen Nervensystem einprogrammiert sin, und dementsprechend sind sie schwer zu umgehen. ANGRIFF, DROHENDER TOD und KRIEG sind z.B. solche gewaltigen Ereignisse.
Wie oben beschrieben, wirken VERGANGENE Angriffe oder Kriege in unserem Körper-Geist-System nach, sogar generationenübergreifend (in unserem Denkexperiment die „German Angst“). Dementsprechend greifen die auto-reaktiven Muster auch bereits in einem VOR-KRIEGS-ZUSTAND, ohne dass Menschen das möglicherweise bewusst mitkriegen.
Ich ordne alle diese automatischen Reaktionen hier dem Nichts-Tun zu. Alle haben zwar den Überlebenstrieb gemeinsam und machen für ein Individuum Sinn. Aber in der kollektiven Situation, in der wir uns gerade befinden, sind sie alle kontraproduktiv.
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Sich in der aktuellen politischen Situation totzustellen, ist sozusagen ein EXIT des Individuums und es wird nichts, absolut gar nichts zur Verbesserung unser aller Situation beitragen. Die Flucht ist ähnlich zu bewerten – das Individuum rettet sich möglicherweise. Aber es trägt auch nichts zur Heilung oder konstruktiven Verbesserung der (kollektiven) Weltlage bei. Der Kampf, also die sofortige Mobilmachung zur Bekämpfung der widerständigen Gegenkräfte ist zwar eine Form von Tun, aber sie mündet letztendlich im Nichts: Zwei Gegner wollen sich vernichten, bis ein Stärkerer gewinnt – leider ignoriert dieser Automatismus in diesem Momentum, unter welchen Rahmenbedingungen der Gewinner nach dem Überleben weiterleben könnte (oder auch nicht).
Um wieder den Bogen zum Beginn des Christentums und auch zum NICHT-TUN der damaligen Beteiligten zu spannen: Trotz der schwer aushaltbaren Gefühle, hat Christus dieses Schicksal angenommen – ebenso seine Liebsten. Sie nahmen das, was war, in einem ersten Schritt ohne sofortige, automatisierte Reaktion an.
Allerdings waren sie sich allem und vollständig bewusst darüber, was die Situation und das Leben bereitstellte. Die Achtsamkeit nicht nur auf das gelenkt, was gerade schmerzhaft und unaushaltbar war, sondern auf das darüberliegende Größere. Auf die Inhalte, die Christus bzw. die Liebe selbst sie gelehrt hatte:
Sie hielten still. Und sie gingen sehr, sehr bewusst aus dem (inneren und äußeren) Kampf hinaus. Auch wenn sie ihn scheinbar verloren hatten.
Weil genau das der Menschheit gelehrt werden sollte.
Wenn Menschen in vollumfänglicher Wahrnehmung dessen, was ist (und ohne Widerstand dagegen), still sein können, entsteht ein ganz besonderes Momentum. Man bezeichnet das auch als Präsenz. Präsenz kann in Bruchteilen von Sekunden entstehen. Aber man muss es eben auch erlernen.
Wenn die Energie eines Angreifers auf ein solches menschliches Energiefeld trifft, wird Angriffsenergie als erstes SICHTBAR. Bei einigen realisierten (Kampfkunst-) Meistern kann das beobachtet werden. Diese haben es geschafft, Ihren inneren Kampf aufzugeben. Solche Menschen werden faktisch unangreifbar, denn die Energie des Angriffs prallt an deren ausbalancierten Energiefeld ab und wendet sich gegen den Angreifer selbst. Dieser erfährt die Wirkung seiner Handlung dann am eigenen Selbst und stellt in der Regel diesen sinnlosen Akt ein. Solche Menschen haben über den Weg des Nicht-Tuns inneren Frieden kultivieren können, der sich danach auch im Außen manifestiert.
In diesem Zustand findet die Energie sozusagen ohne unseren Willen Ihren klaren und eindeutigen WEG. Im einfachen Fall, beendet es den Kampf, im besten Fall wird die Energie zum Guten umgelenkt und der natürliche Zustand von Frieden entsteht durch die notwendige Bewegung der Energie in die richtige Richtung.
Es ist für uns als Gesellschaft möglich, diese Erkenntnisse in das kollektive Geschehen von KRIEG, KRIEGSVORBEREITUNG und den gerade wirksamen Aspekten der „German Angst“ einwirken zu lassen.
Hierin liegt eine enorme Transformationskraft. Denn wie in einem individuellen Trauma Lebenskraft unterdrückt und bis zur Heilung/Auflösung nicht verfügbar ist, ist es auch bei unserem kollektiven Trauma. Die Chance dabei: Es sind starke Wirk-Kräfte gebunden, die wir als Gesellschaft für einen positiven Wandel zum Frieden hin freisetzen können. Für diese Freisetzung benötigt es Klarheit, Willen und vor allem Eigenverantwortung eines jeden Einzelnen.
Wir sollten uns in einem ersten Schritt bewusst werden, was gerade ganz individuell in unserem Inneren stattfindet. Welche Form des Nichts-Tuns herrscht gerade und warum herrscht sie eigentlich über uns? Welche Automatismen/Muster sind gerade aktiv?
Nehmen wir das doch zuallererst in unsere Verantwortung und werden wir still damit.
Ebenso sollten wir uns als Teil des Menschheitskollektives genau dessen bewusst sein, was gerade im Außen geschieht. Schauen wir uns aus unserer kultivierten Stille heraus an, dass sich Kampf bzw. Krieg anbahnt, an manchen Fronten ist er bereits aktiv. Durch die Bewusstwerdung dessen, wird er SICHTBAR, mit allen seinen Mechanismen und seinen Schatten.
Nehmen wir diese Verantwortung für uns selbst wahr, gibt es dieses besondere Momentum, in dem der Weg der Energie sich wie von selbst verändert. Und das kann man nicht gedanklich vorausplanen. Sie verändert sich aber in dem Sinne, dass alle notwendigen Bewegungen den NATÜRLICHEN ZUSTAND wiederherstellen wollen.
Das würde dann also nicht nur für das wahrnehmende Individuum, sondern für alle Beteiligten erfahrbar werden. Seien es die normale Bürger, repräsentative Regierungsteile oder bereits aktive Kriegsgegner. Es wäre für uns erfahrbar, wie wenn eine unsichtbare Intelligenz oder das Eine, große Ganze zum Wohle bzw. Zusammenfügen von allem gerade Getrennten wirken würde. Die Auswirkung davon würde letztendlich FRIEDEN sein. Und es würde uns vorkommen, wie ein Wunder, auf das wir schon lange warten und an das wir nicht mehr geglaubt hatten.
In dem Momentum der Präsenz im NICHT-TUN entsteht außerordentliche Klarheit und ganz eindeutiges Handeln. Die Wirkung ist immer individuell und kollektiv.
NICHT-TUN ist Friedensarbeit und beginnt immer bei uns selbst.
In den info-energetischen Mustern in unserem Körper-Geist-System, die das Phänomen „German Angst“ uns beschert hat, sind eben auch Lösungsmöglichkeiten enthalten, die die kriegsgeschundenen Generationen vor uns in der Reflektion nach den Ereignissen des zweiten Weltkrieges sozusagen erarbeitet haben. Und die Klarheit darüber, was diese Generationen vor uns hätten besser machen können, ist ebenso wie die angstgetriebenen Verhaltensautomatismen kollektiv zugänglich.
Sie hatten es damals leider noch nicht geschafft, bevor die Spirale des Kampfes völlig in die Eskalation ging – obwohl es einige gab, die andere Wege versucht hatten. Aber sie hatten aus den schmerzhaften Ereignissen gelernt, und das steht uns jetzt zur Verfügung, wenn wir uns selbst spüren.
Die Erschließung dieses über Generationen gereiften, aber noch unerschlossenen Kraftpotentials wird möglich werden, wenn wir uns zu dem Trauma hinwenden, das uns aktuell so sehr Angst macht. Wenn wir uns ihm zuwenden und für uns selbst Verantwortung übernehmen, wird es Anderen nicht mehr möglich sein, unsere Ängste für Ihre selbst angstbasierten Kampfhandlungen nutzbar zu machen.
Je mehr wir uns unserem eigenen verwundeten Kern zuwenden, desto heiler, desto klarer und desto kraftvoller werden wir. Die Menschheit kann sich selbst befreien.
Und vor zweitausend Jahren war da einer, der wusste, dass wir es irgendwann können werden.
Mögen wir in der Tiefe unseres Selbst unseren natürlichen Zustand wieder finden und unsere Welt in friedlichen Miteinanders neu gestalten.
Andreas Hagen hat Deutschland noch während der Corona-Zeit verlassen und lebt seitdem mit seiner Familie glücklich auf einem Bauernhof oberhalb Basel in der Schweiz.
Er ist Gründer des nidoki-Projektes (www.nidoki.de) und vermittelt interessierten Menschen Qi Gong, Jing Qi und K.I. (Körperintelligenz) in Gruppensettings. In kleinem Rahmen trägt er in Einzelsettings mit Hilfe der traumasensiblen Methoden der neurosystemischen Integration zur Verbesserung der Selbstregulation von Menschen in diesen herausfordernden Zeiten bei.
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@ bf47c19e:c3d2573b
2025-06-03 17:39:45Originalni tekst na bitcoin-balkan.com.
Pregled sadržaja
- Šta je finansijski samo-suverenitet?
- Zašto smo prestali da koristimo zlatni standard?
- Šta fali tradicionalnoj valuti i centralnim bankama?
- Kako mogu ljudi da mi ukradu novac ako je u banci?
- Kako ljudi koriste moje finansijske podatke protiv mene?
- Kako ljudi kontrolišu sa kim obavljam transakcije?
- Kako da povratimo svoj finansijski samo-suverenitet?
- Kako Bitcoin funkcioniše?
- Pa onda, zašto Bitcoin?
- Po čemu je Bitcoin bolji od sistema tradicionalnih valuta?
- Kako Bitcoin štiti od Inflacije?
- Kako Bitcoin štiti od Zaplene?
- Kako Bitcoin štiti Privatnost?
- Kako Bitcoin štiti od Cenzure?
- Šta će vlada i banke učiniti sa Bitcoin-om?
- Da li je vrednost Bitcoin-a nestabilna?
- Da li je Bitcoin novac?
- Bitcoin kao Zaliha Vrednosti
- Bitcoin kao Sredstvo Razmene
- Bitcoin kao Obračunska Jedinica
- Bitcoin kao Sistem Kontrole
- Šta je sa „Sledećim Bitcoin-om“?
- Na kraju
Kratki uvod u bezbednost, privatnost i slobodu vašeg novca.
Pre nego što saznate kako morate znati zašto.
Upoređeni kursevi tradicionalnih valuta: (100.000 venecuelanskog Bolivara za 1 USD) i (20.000 USD za 1 Bitcoin)
Šta je finansijski samo-suverenitet?
Zamislite da u ruci imate zlatni novčić, jedan od najjednostavnijih i najčistijih oblika finansijskog samo-suvereniteta.
Da biste držali taj zlatni novčić, ne morate da se složite sa bilo kojim Uslovima korišćenja ili Politikom privatnosti, da se pridržavate bilo kojih KYC ili AML propisa, da pokažete ličnu kartu, da navedete svoje ime ili jedinstveni matični broj.
Samo ga držite u ruci i njime možete platiti bilo šta, davanjem tog novčića nekom drugom da ga drži u ruci. To je čista sloboda.
Pored slobode onoga što kupujete svojim novčićem, niko ne može magično znati kome plaćate ili koju robu/usluge kupujete tim zlatni novčićem, jer vaša privatnost nije ugrožena sa zlatom.
A pošto imate svoju privatnost, niko ne može znati za vaše transakcije, pa niko ne može da odluči da ograniči ili kontroliše za šta koristite taj zlatni novčić.
Hiljadama godina zlato je bilo globalni standard novca.
Svi su održavali svoj finansijski samo-suverenitet, a privatnost i sloboda svačijeg novca su poštovani.
Zaista je bilo tako jednostavno.
Zašto smo prestali da koristimo zlatni standard?
Trenutni globalni bankarski sistem i sistem tradicionalnih valuta, bankari su vrlo polako implementirali u proteklih 100+ godina.
Udružili su se sa svetskim vladama koje su svima oduzele zlato pod pretnjom nasilja.
Na primer, nakon što je Federalna banka rezervi osnovana u SAD-u 1913. godine, američka vlada je nasilno oduzela svo zlato 1933. godine, prisiljavajući sve da koriste nove centralne banke i sistem novčanica Federalnih rezervi.
„Dostavite svoje celokupno zlato u naše sefove u zamenu za bezvredni papir, ili ćemo upotrebiti silu nad vama.“
Banke su u početku zamenile zlatni standard papirnim priznanicama zvane zlatni sertifikati, ali nakon što je prošlo dovoljno vremena, banke su u osnovi jednostavno prestale da ih otkupljuju za zlato.
Zlatni sertifikati izdavani od banaka (novčanice ili „gotovina“) u tom trenutku bili su samo bezvredni papir, ali zbog vladine pretnje nasiljem, svi su bili primorani da nastave da koriste novčanice Federalnih rezervi.
Od skora, banke koriste digitalnu bazu podataka, u kojoj doslovno mogu stvoriti novac ni iz čega, čak i da ga ne moraju štampati na papiru.
Predsednik Federalnih rezervi priča kako oni „štampaju“ novac.
Oni su učvrstili svoju moć da manipulišu i naduvaju globalnu novčanu masu, nadgledaju finansijske transakcije svih i kontrolišu protok svih tradicionalnih valuta u svom bankarskom sistemu.
Banke sada kontrolišu sve.
Jednom kada su centralni bankari uspešno preuzeli kontrolu nad novčanom masom u svetu, zajedno sa sposobnošću svih da slobodno vrše transakcije i trguju, svet je kolektivno izgubio bezbednost, slobodu i privatnost svog novca.
Šta fali tradicionalnoj valuti i centralnim bankama?
Nakon impelentacije trenutnog globalnog bankarskog sistema i sistema tradicionalnih valuta, svetu nije preostao drugi izbor nego da veruje bankarima i političarima da vode globalni finansijski sistem na pošten način.
„Koren problema tradicionalne valute je potpuno poverenje potrebno za njeno funkcionisanje. Centralnoj banci se mora verovati da neće devalvirati valutu, ali istorija tradicionalnih valuta je puna kršenja tog poverenja. Bankama se mora verovati da čuvaju naš novac i prenose ga elektronskim putem, ali ga daju u talasima kreditnih balona sa malim delićem rezerve. ““ — Satoshi Nakamoto
Istorija zloupotrebe tradicionalnih valuta može se grupisati u 3 kategorije:
• Bezbednost. Loši ljudi kradu vaš novac ili vrednost vašeg novca, ponekad na očigledne načine, ponekad na podle načine.
• Privatnost. Loši ljudi nadgledaju sve vaše privatne finansijske transakcije, i koriste vaše lične finansijske podatke protiv vas.
• Sloboda. Loši ljudi kontrolišu na koji način možete da trošite sopstveni novac, sa kim možete da obavljate transakcije, koliko možete da potrošite itd.
Kako mogu ljudi da mi ukradu novac ako je u banci?
Evo nekoliko primera:
- Krađa inflacijom: Ovo je primarni način na koji banke kradu vaš novac i jedan od najpodlijih. Kada centralne banke izdaju novi novac, bilo štampanjem na bezvrednom papiru, ili samo dodavanjem knjigovodstvenog unosa u bazu podataka koju kontrolišu, one naduvaju globalnu novčanu masu. Inflacija krade kupovnu moć svih koji drže deo te valute, jednostavno zato što je sada više te valute u opticaju. Zlato se ne može stvoriti, pa su bankari umesto toga izmislili sistem papirnog novca.
Banke mogu izdavati beskonačnu količinu tradicionalnih valuta, bilo štampanjem ili korišćenjem digitalne baze podataka.
- Krađa zaplenom: Ovo je jedan od načina na koji vlade mogu ukrasti vaš novac. Da li ste ikada čuli za zaplenu imovine? Ako policajac posumnja da je vaša imovina korišćena u krivičnom delu, može je zapleniti, a vi se morate boriti da biste povratili vašu ukradenu imovinu. Ili, drugi primer: Pokušajte da uđete u zemlju sa više od 10.000 USD u džepu, a ne da je prijavite, i pogledajte šta će se dogoditi. Sve je isto: krađa od strane drugih ljudi sa oružjem.
Man who immigrated to the U.S. from Albania says U.S. agents seized his life savings at airport. https://t.co/RyoZzrpVA4 pic.twitter.com/yJnUVaCNaa
— ABC News (@ABC) June 7, 2018- Krađa putem oporezivanja: Ovo je još jedan način na koji vam vlade kradu novac. Ne sporim da li je oporezivanje etično ili ne, samo konstatujem činjenicu da vaša vlada može da primora vašu banku da im da vaš novac, a ovo je bezbednostna ranjivost. Da bi novac bio siguran, mora biti nezaplenjiv, a vlade mogu da zaplene vaše bankovne račune.
Kako ljudi koriste moje finansijske podatke protiv mene?
Ako fizičku tradicionalnu valutu predate drugoj osobi, u obliku papirnog novca ili kovanica, relativno je lako zaštititi privatnost svoje transakcije, baš kao što bi bilo da koristite zlatnike.
Međutim, ako koristite kreditne kartice, debitne kartice, bankovne transfere, PayPal, Venmo, LINE Pay, WeChat Pay ili bilo koju drugu mrežu za plaćanje koja je centralno kontrolisana, aktivno pristajete da se odreknete privatnosti podataka svih svojih privatnih finansijskih transakcija i sve ih dajete poverljivoj trećoj strani.
Kada su svi podaci i metapodaci vaših finansijskih transakcija prijavljeni u centralnu bazu podataka, onaj ko ima pristup toj bazi podataka može da koristi vaše podatke protiv vas.
Evo nekoliko osnovnih primera:
- Ako ste kupili robu rizičnog životnog stila poput cigareta, banka može reći vašoj osiguravajućoj kompaniji da poveća vaše osiguranje.
- Ako ste kupili nešto što je ilegalno, poput droga za rekreaciju, vaša banka može reći vašoj vladi da vas zakonski goni.
Ali u slučaju nekih represivnih vlada, oni su to odveli do ekstrema. Oni centralno prikupljaju sve finansijske transakcije i druge podatke svih svojih građana i stvorili su totalitarni Sistem Socijalnih Bodova (eng. Social Credit Score):
Prepoznavanje lica je jedan od elemenata kineskih napora za praćenje
Zapisi George Orwell-a već su postali stvarnost u Kini zbog sistema tradicionalnih valuta centralne banke i platnih mreža koje su izgrađene na njemu.
Ako mislite da se to neće dogoditi u vašoj zemlji, razmislite ponovo.
To se dešava vrlo polako, ali na kraju će sve svetske vlade primeniti Sistem Socijalnih Bodova, dok je Kina to tek prva učinila.
Kako ljudi kontrolišu sa kim obavljam transakcije?
U prvom primeru sa zlatnim novčićem, kada ga predate nekom drugom kao plaćanje za robu ili uslugu, ne postoji centralizovana evidencija vaše platne transakcije i imate savršenu privatnost.
Međutim, u centralnom bankarskom sistemu, budući da banka ima i znanje o podacima o vašim transakcijama i moć da kontroliše vaša sredstva, oni mogu proceniti niz pravila da bi odlučili da li žele da dozvole vašu transakciju ili da to odbiju, takođe kao i izvršenje te odluke kontrolišući vaša sredstva.
Tako su vlade naoružale tradicionalne valute i centralni bankarski sistem kao Sistem Kontrole nad svojim građanima.
Da rezimiramo: Pošto ste se odrekli bezbednosti i privatnosti svog novca, izgubili ste i svoju finansijsku slobodu.
“Privatnost nije o tome da nešto treba sakriti. Privatnost je o tome da nešto treba zaštititi.” — Edward Snowden
Kako da povratimo svoj finansijski samo-suverenitet?
Pokret Cypherpunk pokrenuli su pojedinci koji su shvatili važnost zaštite privatnosti i slobode pojedinačnih korisnika na Internetu.
Cypherpunk-ovi su verovali da se gore opisani problemi mogu rešiti samo potpuno novim novčanim sistemom, koji poštuje i štiti bezbednost, privatnost i slobodu pojedinca.
Mnogi od Cypherpunk-era pokušali su da izgrade nove etičke sisteme e-gotovine koji bi mogli da zamene tradicionalne valute i centralno bankarstvo.
Bilo je mnogo teških računarskih problema koje je trebalo prevazići u stvaranju tako istinski decentralizovanog sistema, i ako su neki od njih bili blizu cilja, svi su propali.
Odnosno, sve dok jedan pseudonim Cypherpunk-a to konačno nije shvatio 2008. godine:
Kombinacijom digitalnih potpisa, distribuirane knjige i peer-to-peer mreže, rođen je Bitcoin.
Kako Bitcoin funkcioniše?
Baš kao što ne treba da znate kako Internet funkcioniše da bi gledali slike mačaka na Internetu, razumevanje tehničke složenosti načina na koji Bitcoin radi „ispod haube“ nije neophodno da biste ga koristili i postigli sopstveni finansijski samo-suverenitet.
Važna stvar koju želim da saznate iz ovog članka je da iako većina novih tehnologija u početku ima loše korisničko iskustvo, Bitcoin svesno i vrlo namerno ne žrtvuje svoje osnovne filozofske principe da bi brže pridobio nove korisnike, ili da bi poboljšao korisničko iskustvo.
Najpametniji Cypherpunk-ovi rade na poboljšanju korisničkog iskustva.
Tehnologija će se sa vremenom poboljšavati, baš kao i za Internet.
Pa onda, zašto Bitcoin?
Reći ću vam zašto:
Jer Bitcoin poštuje bezbednost, privatnost i slobodu pojedinca.
Po čemu je Bitcoin bolji od sistema tradicionalnih valuta?
Za početak, Bitcoin nema Uslove korišćenja, Politiku privatnosti i Propise o usklađenosti sa KYC/AML. (Know Your Costumer & Anti-money Laundering)
Bitcoin je uspešan primer implementacije kripto-anarhije, gde su jedina pravila kriptografija, matematika i jak skup konsenzusnih pravila.
To je distribuirani i nepoverljivi sistem zasnovan na finansijskim podsticajima i nijedna osoba ili centralizovani entitet ne može da kontroliše Bitcoin.
Ono što je najvažnije, Bitcoin vam omogućava da odustanete od tradicionalnih valuta, sistema delimičnih rezervi i centralnog bankarstva rešavanjem osnovnih problema poverenja:
- Sigurnost od inflacije korišćenjem fiksnog snabdevanja
- Sigurnost od zaplene korišćenjem ključeva za kontrolu sredstava
- Privatnost plaćanja korišćenjem pseudonimnih identiteta
- Sloboda protiv cenzure korišćenjem peer to peer mreže
Peer to Peer Mreža
Kako Bitcoin štiti od Inflacije?
Jedno od najkritičnijih pravila konsenzusa o Bitcoin-u je da može postojati najviše 21,000,000 Bitcoin-a.
Nakon izdavanja svih Bitcoin-a, nikada više ne može doći do stvaranja novih Bitcoin-a.
Stoga je Bitcoin deflaciona valuta, koja sprečava ljude da ukradu vaš novac ili njegovu vrednost naduvavanjem novčane mase.
Monetarna Inflacija Bitcoin-a
Kako Bitcoin štiti od Zaplene?
Bitcoin se može preneti samo pomoću kriptografskog privatnog ključa koji kontroliše sredstva.
Nijedan bitcoin nikada ne izadje van sistema.
Nijedna vlada, banka ili sudski nalog ne mogu zapleniti ta sredstva.
Jednostavno ne postoji način da se takva odredba ili naredba sprovede od bilo kog „organa vlasti“, jer Bitcoin ne priznaje nijedno „ovlašćenje“ u svom sistemu.
Bitcoin je potpuno samo-suveren sistem i zbog svoje distribuirane prirode ne može se ugasiti.
Postoji zbog sopstvenih zasluga, samo zato što ljudi veruju u to.
Kako Bitcoin štiti Privatnost?
Bitcoin ne traži vaše ime ili druge detalje koji mogu lično da vas identifikuju.
Vaš identitet je kriptografski, a ne vaše stvarno ime.
Dakle, vaš identitet izgleda otprilike kao 1vizSAISbuiKsbt9d8JV8itm5ackk2TorC, a ne kao „Stefan Petrovič“.
Pored toga, niko ne zna ko kontroliše sredstva na datoj Bitcoin adresi, a nova tehnologija se neprestano razvija kako bi se poboljšala privatnost Bitcoin-a.
”Taproot” je najnovije poboljšanje bitcoin-a i njegove privatnosti.
Kako Bitcoin štiti od Cenzure?
Peer-to-peer Bitcoin mreža je u potpunosti distribuirana.
To znači da ako jedan čvor pokuša da cenzuriše vašu transakciju, neće uspeti ukoliko * svaki * čvor(Node) ne izvrši cenzuru vaše transakcije.
Centralizacija – Loša. Decentralizacija – Dobra. Distribuiran peer-to-peer – Najbolja.
Šta će vlada i banke učiniti sa Bitcoin-om?
Neke zemlje su pokušale da ga regulišu, kontrolišu, isključe itd., ali nijedna od njih nije uspela.
Čini se da uglavnom samo žele da koriste postojeći sistem centralnih banaka da bi kontrolisali kako ljudi trguju tradicionalnim valutama za Bitcoin, i naravno žele da oporezuju Bitcoin na bilo koji mogući način.
Evo nekoliko uobičajenih tvrdnji vlada i banaka o Bitcoin-u:
Lane: No. Bitcoin is not a currency, it rather is an asset and it is very volatile #AskECB https://t.co/XQ9Mqdm5rU
— European Central Bank (@ecb) July 9, 2019Evropska centralna banka kaže da Bitcoin nije valuta i upozorava da je vrlo nestabilna.
„Bitcoin, izgleda samo kao prevara“, rekao je gospodin Tramp. „Ne sviđa mi se jer je to još jedna valuta koja se takmiči sa dolarom.“
Da li je vrednost Bitcoin-a nestabilna?
Ako umanjite grafikon cena, videćete da Bitcoin-u neprekidno raste vrednost od kada je stvoren, trgujući sa manje od 0,01 USD i polako se penje na preko 60.000 USD na nedavnom vrhuncu početkom 2021. godine.
Cena Bitcoina od 2011. godine
To je zato što je njegova ponuda fiksna i ljudi cene njegovu nestašicu.
Sa većom potražnjom i fiksnom ponudom, cene vremenom rastu.
Kako godine odmiču, njegova vrednost će se povećavati kako novi korisnici počinju da drže Bitcoin. (U svetu Bitcoina držanju kažemo HODL. Drži bitcoin. Hodl bitcoin.)
Zašto Bitcoin ima vrednost : Nestašica
Da li je Bitcoin novac?
Da biste odgovorili na pitanje da li je Bitcoin novac ili ne, prvo morate definisati pojam „novac“.
Nažalost, reč „novac“ koristimo da bismo opisali nekoliko vrlo različitih komplikovanih koncepata, koji su svi potpuno odvojeni.
Termin „novac“ se zapravo odnosi na:
- Zaliha Vrednosti (Store of Value)
- Sredstvo Razmene ( Medium of Exchange)
- Obračunska Jedinica (Unit of Account)
- Sistem Kontrole (System Control)
Bitcoin kao Zaliha Vrednosti
Ovaj to savršeno objašnjava:
Son's friend: "Matt, what happens if you chop a £1 coin in half?"
— Matthew Haywood (@wintercooled) July 13, 2019
You get to two pieces of worthless metal mate. If you chop a gold coin in half though, you get two pieces of gold, each worth half of what the coin was.
Son: "...and it's the same as gold with bitcoin."
🤗Sinov prijatelj: “Matt, šta će se dogoditi ako novčić od 1 funte usitnite na pola?”
Dobijaš dva komada bezvrednog metala. Ako zlatnik usitnite na pola, dobićete dva zlatnika, od kojih svaki vredi polovinu onoga što je novčić bio.
Sin: „… isto tako kao sa zlatom jeste sa bitcoinima“.
Bitcoin je potpuno deljiv i deluje kao izvrsna zaliha vrednosti, baš kao što je i zlato već hiljadama godina.
Bitcoin kao Sredstvo Razmene
Bitcoin je dobro služio kao sredstvo razmene za svoje rane korisnike.
Ali skaliranje Bitcoin-a na globalni nivo koji bi mogao da posluži svim ljudima je veliki izazov, jer se osnovna „blockchain“ tehnologija ne skalira na globalni nivo.
Da bi rešio ovaj problem skaliranja, Satoshi je izumeo koncept kanala plaćanja, a u kombinaciji sa malo pomoći drugih briljantnih računarskih naučnika Cipherpunk-a koji su poboljšali koncept tokom poslednjih 10 godina, sada imamo mrežu Lightning, koja omogućava da se Bitcoin koristi kao odlično Sredstvo Razmene, koje se vremenom može proširiti na globalni nivo.
Internet Informacija i Vrednosti Danas
Bitcoin kao Obračunska Jedinica
Najmanja obračunska jedinica Bitcoin-a nazvana je po njenom tvorcu, Satoshi-u.
Jedan Bitcoin je jednak 100.000.000 Satoshi-a.
Na kraju, kako se robe i usluge sve češće razmenjuju za Bitcoin, sve više ljudi će koristiti Bitcoin ili „Sats“ kao obračunsku jedinicu.
Bitcoin u Satoshi Pretvarač Credits: @kriptomentor Instagram Profil
Bitcoin kao Sistem Kontrole
Budući da je Bitcoin dizajniran da poštuje i štiti ljudska prava pojedinca, posebno bezbednost, privatnost i slobodu novca; ne bi bio dobar Sistem Kontrole i ne može se koristiti za ugnjetavanje ljudi, kao što se dešava sa tradicionalnim valutama i sistemima centralnog bankarstva koji to trenutno vrlo dobro rade.
Fiat sistem novca: dominacija i kontrola
Šta je sa „Sledećim Bitcoin-om“?
Kao što može biti samo jedan „globalni“ Internet, tako može biti i samo jedan globalni novac, a stigao je i novi Bitcoin Standard.
Sve ostalo je ili direktna prevara ili gubljenje vremena.
Ako bi neko želeo da vam proda „Sledeće Zlato“, da li biste ga kupili?
Na kraju
Nadam se da vam je ovaj članak pomogao da razumete zašto je Bitcoin stvoren i kako može da pomogne svetu da se oslobodi tradicionalnih valuta i sistema centralnog bankarstva koji je veoma duboko integrisan u naše trenutno društvo.
Evo nekoliko misli koje treba poneti sa sobom:
- Bitcoin nije izmišljen radi zarade, već je izmišljen da bi promenio svet.
- Bitcoin će to učiniti poštujući korisnikovu bezbednost, privatnost i slobodu.
- Bitcoin se već koristi kao novac, na nekoliko načina na koji se novac može koristiti.
- Bitcoin nije nestabilan, njegova vrednost vremenom polako raste (odzumirajte).
- Bitcoin ima mnogo kopija i prevaranata koji će pokušati da vam prodaju svoju kopiju Bitcoin-a. Ne zavaravajte se lažnim Bitcoin-om baš kao što vas ne bi prevarili ni Lažnim Zlatom.
- Bitcoin će postati najveći prenos bogatstva u našem životu, tako da ćete možda želeti da ih uzmete pre nego kasnije.
- Ostanite skromni i skupljajte satošije.
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@ fe32298e:20516265
2024-12-16 20:59:13Today I learned how to install NVapi to monitor my GPUs in Home Assistant.
NVApi is a lightweight API designed for monitoring NVIDIA GPU utilization and enabling automated power management. It provides real-time GPU metrics, supports integration with tools like Home Assistant, and offers flexible power management and PCIe link speed management based on workload and thermal conditions.
- GPU Utilization Monitoring: Utilization, memory usage, temperature, fan speed, and power consumption.
- Automated Power Limiting: Adjusts power limits dynamically based on temperature thresholds and total power caps, configurable per GPU or globally.
- Cross-GPU Coordination: Total power budget applies across multiple GPUs in the same system.
- PCIe Link Speed Management: Controls minimum and maximum PCIe link speeds with idle thresholds for power optimization.
- Home Assistant Integration: Uses the built-in RESTful platform and template sensors.
Getting the Data
sudo apt install golang-go git clone https://github.com/sammcj/NVApi.git cd NVapi go run main.go -port 9999 -rate 1 curl http://localhost:9999/gpu
Response for a single GPU:
[ { "index": 0, "name": "NVIDIA GeForce RTX 4090", "gpu_utilisation": 0, "memory_utilisation": 0, "power_watts": 16, "power_limit_watts": 450, "memory_total_gb": 23.99, "memory_used_gb": 0.46, "memory_free_gb": 23.52, "memory_usage_percent": 2, "temperature": 38, "processes": [], "pcie_link_state": "not managed" } ]
Response for multiple GPUs:
[ { "index": 0, "name": "NVIDIA GeForce RTX 3090", "gpu_utilisation": 0, "memory_utilisation": 0, "power_watts": 14, "power_limit_watts": 350, "memory_total_gb": 24, "memory_used_gb": 0.43, "memory_free_gb": 23.57, "memory_usage_percent": 2, "temperature": 36, "processes": [], "pcie_link_state": "not managed" }, { "index": 1, "name": "NVIDIA RTX A4000", "gpu_utilisation": 0, "memory_utilisation": 0, "power_watts": 10, "power_limit_watts": 140, "memory_total_gb": 15.99, "memory_used_gb": 0.56, "memory_free_gb": 15.43, "memory_usage_percent": 3, "temperature": 41, "processes": [], "pcie_link_state": "not managed" } ]
Start at Boot
Create
/etc/systemd/system/nvapi.service
:``` [Unit] Description=Run NVapi After=network.target
[Service] Type=simple Environment="GOPATH=/home/ansible/go" WorkingDirectory=/home/ansible/NVapi ExecStart=/usr/bin/go run main.go -port 9999 -rate 1 Restart=always User=ansible
Environment="GPU_TEMP_CHECK_INTERVAL=5"
Environment="GPU_TOTAL_POWER_CAP=400"
Environment="GPU_0_LOW_TEMP=40"
Environment="GPU_0_MEDIUM_TEMP=70"
Environment="GPU_0_LOW_TEMP_LIMIT=135"
Environment="GPU_0_MEDIUM_TEMP_LIMIT=120"
Environment="GPU_0_HIGH_TEMP_LIMIT=100"
Environment="GPU_1_LOW_TEMP=45"
Environment="GPU_1_MEDIUM_TEMP=75"
Environment="GPU_1_LOW_TEMP_LIMIT=140"
Environment="GPU_1_MEDIUM_TEMP_LIMIT=125"
Environment="GPU_1_HIGH_TEMP_LIMIT=110"
[Install] WantedBy=multi-user.target ```
Home Assistant
Add to Home Assistant
configuration.yaml
and restart HA (completely).For a single GPU, this works: ``` sensor: - platform: rest name: MYPC GPU Information resource: http://mypc:9999 method: GET headers: Content-Type: application/json value_template: "{{ value_json[0].index }}" json_attributes: - name - gpu_utilisation - memory_utilisation - power_watts - power_limit_watts - memory_total_gb - memory_used_gb - memory_free_gb - memory_usage_percent - temperature scan_interval: 1 # seconds
- platform: template sensors: mypc_gpu_0_gpu: friendly_name: "MYPC {{ state_attr('sensor.mypc_gpu_information', 'name') }} GPU" value_template: "{{ state_attr('sensor.mypc_gpu_information', 'gpu_utilisation') }}" unit_of_measurement: "%" mypc_gpu_0_memory: friendly_name: "MYPC {{ state_attr('sensor.mypc_gpu_information', 'name') }} Memory" value_template: "{{ state_attr('sensor.mypc_gpu_information', 'memory_utilisation') }}" unit_of_measurement: "%" mypc_gpu_0_power: friendly_name: "MYPC {{ state_attr('sensor.mypc_gpu_information', 'name') }} Power" value_template: "{{ state_attr('sensor.mypc_gpu_information', 'power_watts') }}" unit_of_measurement: "W" mypc_gpu_0_power_limit: friendly_name: "MYPC {{ state_attr('sensor.mypc_gpu_information', 'name') }} Power Limit" value_template: "{{ state_attr('sensor.mypc_gpu_information', 'power_limit_watts') }}" unit_of_measurement: "W" mypc_gpu_0_temperature: friendly_name: "MYPC {{ state_attr('sensor.mypc_gpu_information', 'name') }} Temperature" value_template: "{{ state_attr('sensor.mypc_gpu_information', 'temperature') }}" unit_of_measurement: "°C" ```
For multiple GPUs: ``` rest: scan_interval: 1 resource: http://mypc:9999 sensor: - name: "MYPC GPU0 Information" value_template: "{{ value_json[0].index }}" json_attributes_path: "$.0" json_attributes: - name - gpu_utilisation - memory_utilisation - power_watts - power_limit_watts - memory_total_gb - memory_used_gb - memory_free_gb - memory_usage_percent - temperature - name: "MYPC GPU1 Information" value_template: "{{ value_json[1].index }}" json_attributes_path: "$.1" json_attributes: - name - gpu_utilisation - memory_utilisation - power_watts - power_limit_watts - memory_total_gb - memory_used_gb - memory_free_gb - memory_usage_percent - temperature
-
platform: template sensors: mypc_gpu_0_gpu: friendly_name: "MYPC GPU0 GPU" value_template: "{{ state_attr('sensor.mypc_gpu0_information', 'gpu_utilisation') }}" unit_of_measurement: "%" mypc_gpu_0_memory: friendly_name: "MYPC GPU0 Memory" value_template: "{{ state_attr('sensor.mypc_gpu0_information', 'memory_utilisation') }}" unit_of_measurement: "%" mypc_gpu_0_power: friendly_name: "MYPC GPU0 Power" value_template: "{{ state_attr('sensor.mypc_gpu0_information', 'power_watts') }}" unit_of_measurement: "W" mypc_gpu_0_power_limit: friendly_name: "MYPC GPU0 Power Limit" value_template: "{{ state_attr('sensor.mypc_gpu0_information', 'power_limit_watts') }}" unit_of_measurement: "W" mypc_gpu_0_temperature: friendly_name: "MYPC GPU0 Temperature" value_template: "{{ state_attr('sensor.mypc_gpu0_information', 'temperature') }}" unit_of_measurement: "C"
-
platform: template sensors: mypc_gpu_1_gpu: friendly_name: "MYPC GPU1 GPU" value_template: "{{ state_attr('sensor.mypc_gpu1_information', 'gpu_utilisation') }}" unit_of_measurement: "%" mypc_gpu_1_memory: friendly_name: "MYPC GPU1 Memory" value_template: "{{ state_attr('sensor.mypc_gpu1_information', 'memory_utilisation') }}" unit_of_measurement: "%" mypc_gpu_1_power: friendly_name: "MYPC GPU1 Power" value_template: "{{ state_attr('sensor.mypc_gpu1_information', 'power_watts') }}" unit_of_measurement: "W" mypc_gpu_1_power_limit: friendly_name: "MYPC GPU1 Power Limit" value_template: "{{ state_attr('sensor.mypc_gpu1_information', 'power_limit_watts') }}" unit_of_measurement: "W" mypc_gpu_1_temperature: friendly_name: "MYPC GPU1 Temperature" value_template: "{{ state_attr('sensor.mypc_gpu1_information', 'temperature') }}" unit_of_measurement: "C"
```
Basic entity card:
type: entities entities: - entity: sensor.mypc_gpu_0_gpu secondary_info: last-updated - entity: sensor.mypc_gpu_0_memory secondary_info: last-updated - entity: sensor.mypc_gpu_0_power secondary_info: last-updated - entity: sensor.mypc_gpu_0_power_limit secondary_info: last-updated - entity: sensor.mypc_gpu_0_temperature secondary_info: last-updated
Ansible Role
```
-
name: install go become: true package: name: golang-go state: present
-
name: git clone git: repo: "https://github.com/sammcj/NVApi.git" dest: "/home/ansible/NVapi" update: yes force: true
go run main.go -port 9999 -rate 1
-
name: install systemd service become: true copy: src: nvapi.service dest: /etc/systemd/system/nvapi.service
-
name: Reload systemd daemons, enable, and restart nvapi become: true systemd: name: nvapi daemon_reload: yes enabled: yes state: restarted ```
-
@ 6f6b50bb:a848e5a1
2024-12-15 15:09:52Che cosa significherebbe trattare l'IA come uno strumento invece che come una persona?
Dall’avvio di ChatGPT, le esplorazioni in due direzioni hanno preso velocità.
La prima direzione riguarda le capacità tecniche. Quanto grande possiamo addestrare un modello? Quanto bene può rispondere alle domande del SAT? Con quanta efficienza possiamo distribuirlo?
La seconda direzione riguarda il design dell’interazione. Come comunichiamo con un modello? Come possiamo usarlo per un lavoro utile? Quale metafora usiamo per ragionare su di esso?
La prima direzione è ampiamente seguita e enormemente finanziata, e per una buona ragione: i progressi nelle capacità tecniche sono alla base di ogni possibile applicazione. Ma la seconda è altrettanto cruciale per il campo e ha enormi incognite. Siamo solo a pochi anni dall’inizio dell’era dei grandi modelli. Quali sono le probabilità che abbiamo già capito i modi migliori per usarli?
Propongo una nuova modalità di interazione, in cui i modelli svolgano il ruolo di applicazioni informatiche (ad esempio app per telefoni): fornendo un’interfaccia grafica, interpretando gli input degli utenti e aggiornando il loro stato. In questa modalità, invece di essere un “agente” che utilizza un computer per conto dell’essere umano, l’IA può fornire un ambiente informatico più ricco e potente che possiamo utilizzare.
Metafore per l’interazione
Al centro di un’interazione c’è una metafora che guida le aspettative di un utente su un sistema. I primi giorni dell’informatica hanno preso metafore come “scrivanie”, “macchine da scrivere”, “fogli di calcolo” e “lettere” e le hanno trasformate in equivalenti digitali, permettendo all’utente di ragionare sul loro comportamento. Puoi lasciare qualcosa sulla tua scrivania e tornare a prenderlo; hai bisogno di un indirizzo per inviare una lettera. Man mano che abbiamo sviluppato una conoscenza culturale di questi dispositivi, la necessità di queste particolari metafore è scomparsa, e con esse i design di interfaccia skeumorfici che le rafforzavano. Come un cestino o una matita, un computer è ora una metafora di se stesso.
La metafora dominante per i grandi modelli oggi è modello-come-persona. Questa è una metafora efficace perché le persone hanno capacità estese che conosciamo intuitivamente. Implica che possiamo avere una conversazione con un modello e porgli domande; che il modello possa collaborare con noi su un documento o un pezzo di codice; che possiamo assegnargli un compito da svolgere da solo e che tornerà quando sarà finito.
Tuttavia, trattare un modello come una persona limita profondamente il nostro modo di pensare all’interazione con esso. Le interazioni umane sono intrinsecamente lente e lineari, limitate dalla larghezza di banda e dalla natura a turni della comunicazione verbale. Come abbiamo tutti sperimentato, comunicare idee complesse in una conversazione è difficile e dispersivo. Quando vogliamo precisione, ci rivolgiamo invece a strumenti, utilizzando manipolazioni dirette e interfacce visive ad alta larghezza di banda per creare diagrammi, scrivere codice e progettare modelli CAD. Poiché concepiamo i modelli come persone, li utilizziamo attraverso conversazioni lente, anche se sono perfettamente in grado di accettare input diretti e rapidi e di produrre risultati visivi. Le metafore che utilizziamo limitano le esperienze che costruiamo, e la metafora modello-come-persona ci impedisce di esplorare il pieno potenziale dei grandi modelli.
Per molti casi d’uso, e specialmente per il lavoro produttivo, credo che il futuro risieda in un’altra metafora: modello-come-computer.
Usare un’IA come un computer
Sotto la metafora modello-come-computer, interagiremo con i grandi modelli seguendo le intuizioni che abbiamo sulle applicazioni informatiche (sia su desktop, tablet o telefono). Nota che ciò non significa che il modello sarà un’app tradizionale più di quanto il desktop di Windows fosse una scrivania letterale. “Applicazione informatica” sarà un modo per un modello di rappresentarsi a noi. Invece di agire come una persona, il modello agirà come un computer.
Agire come un computer significa produrre un’interfaccia grafica. Al posto del flusso lineare di testo in stile telescrivente fornito da ChatGPT, un sistema modello-come-computer genererà qualcosa che somiglia all’interfaccia di un’applicazione moderna: pulsanti, cursori, schede, immagini, grafici e tutto il resto. Questo affronta limitazioni chiave dell’interfaccia di chat standard modello-come-persona:
-
Scoperta. Un buon strumento suggerisce i suoi usi. Quando l’unica interfaccia è una casella di testo vuota, spetta all’utente capire cosa fare e comprendere i limiti del sistema. La barra laterale Modifica in Lightroom è un ottimo modo per imparare l’editing fotografico perché non si limita a dirti cosa può fare questa applicazione con una foto, ma cosa potresti voler fare. Allo stesso modo, un’interfaccia modello-come-computer per DALL-E potrebbe mostrare nuove possibilità per le tue generazioni di immagini.
-
Efficienza. La manipolazione diretta è più rapida che scrivere una richiesta a parole. Per continuare l’esempio di Lightroom, sarebbe impensabile modificare una foto dicendo a una persona quali cursori spostare e di quanto. Ci vorrebbe un giorno intero per chiedere un’esposizione leggermente più bassa e una vibranza leggermente più alta, solo per vedere come apparirebbe. Nella metafora modello-come-computer, il modello può creare strumenti che ti permettono di comunicare ciò che vuoi più efficientemente e quindi di fare le cose più rapidamente.
A differenza di un’app tradizionale, questa interfaccia grafica è generata dal modello su richiesta. Questo significa che ogni parte dell’interfaccia che vedi è rilevante per ciò che stai facendo in quel momento, inclusi i contenuti specifici del tuo lavoro. Significa anche che, se desideri un’interfaccia più ampia o diversa, puoi semplicemente richiederla. Potresti chiedere a DALL-E di produrre alcuni preset modificabili per le sue impostazioni ispirati da famosi artisti di schizzi. Quando clicchi sul preset Leonardo da Vinci, imposta i cursori per disegni prospettici altamente dettagliati in inchiostro nero. Se clicchi su Charles Schulz, seleziona fumetti tecnicolor 2D a basso dettaglio.
Una bicicletta della mente proteiforme
La metafora modello-come-persona ha una curiosa tendenza a creare distanza tra l’utente e il modello, rispecchiando il divario di comunicazione tra due persone che può essere ridotto ma mai completamente colmato. A causa della difficoltà e del costo di comunicare a parole, le persone tendono a suddividere i compiti tra loro in blocchi grandi e il più indipendenti possibile. Le interfacce modello-come-persona seguono questo schema: non vale la pena dire a un modello di aggiungere un return statement alla tua funzione quando è più veloce scriverlo da solo. Con il sovraccarico della comunicazione, i sistemi modello-come-persona sono più utili quando possono fare un intero blocco di lavoro da soli. Fanno le cose per te.
Questo contrasta con il modo in cui interagiamo con i computer o altri strumenti. Gli strumenti producono feedback visivi in tempo reale e sono controllati attraverso manipolazioni dirette. Hanno un overhead comunicativo così basso che non è necessario specificare un blocco di lavoro indipendente. Ha più senso mantenere l’umano nel loop e dirigere lo strumento momento per momento. Come stivali delle sette leghe, gli strumenti ti permettono di andare più lontano a ogni passo, ma sei ancora tu a fare il lavoro. Ti permettono di fare le cose più velocemente.
Considera il compito di costruire un sito web usando un grande modello. Con le interfacce di oggi, potresti trattare il modello come un appaltatore o un collaboratore. Cercheresti di scrivere a parole il più possibile su come vuoi che il sito appaia, cosa vuoi che dica e quali funzionalità vuoi che abbia. Il modello genererebbe una prima bozza, tu la eseguirai e poi fornirai un feedback. “Fai il logo un po’ più grande”, diresti, e “centra quella prima immagine principale”, e “deve esserci un pulsante di login nell’intestazione”. Per ottenere esattamente ciò che vuoi, invierai una lista molto lunga di richieste sempre più minuziose.
Un’interazione alternativa modello-come-computer sarebbe diversa: invece di costruire il sito web, il modello genererebbe un’interfaccia per te per costruirlo, dove ogni input dell’utente a quell’interfaccia interroga il grande modello sotto il cofano. Forse quando descrivi le tue necessità creerebbe un’interfaccia con una barra laterale e una finestra di anteprima. All’inizio la barra laterale contiene solo alcuni schizzi di layout che puoi scegliere come punto di partenza. Puoi cliccare su ciascuno di essi, e il modello scrive l’HTML per una pagina web usando quel layout e lo visualizza nella finestra di anteprima. Ora che hai una pagina su cui lavorare, la barra laterale guadagna opzioni aggiuntive che influenzano la pagina globalmente, come accoppiamenti di font e schemi di colore. L’anteprima funge da editor WYSIWYG, permettendoti di afferrare elementi e spostarli, modificarne i contenuti, ecc. A supportare tutto ciò è il modello, che vede queste azioni dell’utente e riscrive la pagina per corrispondere ai cambiamenti effettuati. Poiché il modello può generare un’interfaccia per aiutare te e lui a comunicare più efficientemente, puoi esercitare più controllo sul prodotto finale in meno tempo.
La metafora modello-come-computer ci incoraggia a pensare al modello come a uno strumento con cui interagire in tempo reale piuttosto che a un collaboratore a cui assegnare compiti. Invece di sostituire un tirocinante o un tutor, può essere una sorta di bicicletta proteiforme per la mente, una che è sempre costruita su misura esattamente per te e il terreno che intendi attraversare.
Un nuovo paradigma per l’informatica?
I modelli che possono generare interfacce su richiesta sono una frontiera completamente nuova nell’informatica. Potrebbero essere un paradigma del tutto nuovo, con il modo in cui cortocircuitano il modello di applicazione esistente. Dare agli utenti finali il potere di creare e modificare app al volo cambia fondamentalmente il modo in cui interagiamo con i computer. Al posto di una singola applicazione statica costruita da uno sviluppatore, un modello genererà un’applicazione su misura per l’utente e le sue esigenze immediate. Al posto della logica aziendale implementata nel codice, il modello interpreterà gli input dell’utente e aggiornerà l’interfaccia utente. È persino possibile che questo tipo di interfaccia generativa sostituisca completamente il sistema operativo, generando e gestendo interfacce e finestre al volo secondo necessità.
All’inizio, l’interfaccia generativa sarà un giocattolo, utile solo per l’esplorazione creativa e poche altre applicazioni di nicchia. Dopotutto, nessuno vorrebbe un’app di posta elettronica che occasionalmente invia email al tuo ex e mente sulla tua casella di posta. Ma gradualmente i modelli miglioreranno. Anche mentre si spingeranno ulteriormente nello spazio di esperienze completamente nuove, diventeranno lentamente abbastanza affidabili da essere utilizzati per un lavoro reale.
Piccoli pezzi di questo futuro esistono già. Anni fa Jonas Degrave ha dimostrato che ChatGPT poteva fare una buona simulazione di una riga di comando Linux. Allo stesso modo, websim.ai utilizza un LLM per generare siti web su richiesta mentre li navighi. Oasis, GameNGen e DIAMOND addestrano modelli video condizionati sull’azione su singoli videogiochi, permettendoti di giocare ad esempio a Doom dentro un grande modello. E Genie 2 genera videogiochi giocabili da prompt testuali. L’interfaccia generativa potrebbe ancora sembrare un’idea folle, ma non è così folle.
Ci sono enormi domande aperte su come apparirà tutto questo. Dove sarà inizialmente utile l’interfaccia generativa? Come condivideremo e distribuiremo le esperienze che creiamo collaborando con il modello, se esistono solo come contesto di un grande modello? Vorremmo davvero farlo? Quali nuovi tipi di esperienze saranno possibili? Come funzionerà tutto questo in pratica? I modelli genereranno interfacce come codice o produrranno direttamente pixel grezzi?
Non conosco ancora queste risposte. Dovremo sperimentare e scoprirlo!Che cosa significherebbe trattare l'IA come uno strumento invece che come una persona?
Dall’avvio di ChatGPT, le esplorazioni in due direzioni hanno preso velocità.
La prima direzione riguarda le capacità tecniche. Quanto grande possiamo addestrare un modello? Quanto bene può rispondere alle domande del SAT? Con quanta efficienza possiamo distribuirlo?
La seconda direzione riguarda il design dell’interazione. Come comunichiamo con un modello? Come possiamo usarlo per un lavoro utile? Quale metafora usiamo per ragionare su di esso?
La prima direzione è ampiamente seguita e enormemente finanziata, e per una buona ragione: i progressi nelle capacità tecniche sono alla base di ogni possibile applicazione. Ma la seconda è altrettanto cruciale per il campo e ha enormi incognite. Siamo solo a pochi anni dall’inizio dell’era dei grandi modelli. Quali sono le probabilità che abbiamo già capito i modi migliori per usarli?
Propongo una nuova modalità di interazione, in cui i modelli svolgano il ruolo di applicazioni informatiche (ad esempio app per telefoni): fornendo un’interfaccia grafica, interpretando gli input degli utenti e aggiornando il loro stato. In questa modalità, invece di essere un “agente” che utilizza un computer per conto dell’essere umano, l’IA può fornire un ambiente informatico più ricco e potente che possiamo utilizzare.
Metafore per l’interazione
Al centro di un’interazione c’è una metafora che guida le aspettative di un utente su un sistema. I primi giorni dell’informatica hanno preso metafore come “scrivanie”, “macchine da scrivere”, “fogli di calcolo” e “lettere” e le hanno trasformate in equivalenti digitali, permettendo all’utente di ragionare sul loro comportamento. Puoi lasciare qualcosa sulla tua scrivania e tornare a prenderlo; hai bisogno di un indirizzo per inviare una lettera. Man mano che abbiamo sviluppato una conoscenza culturale di questi dispositivi, la necessità di queste particolari metafore è scomparsa, e con esse i design di interfaccia skeumorfici che le rafforzavano. Come un cestino o una matita, un computer è ora una metafora di se stesso.
La metafora dominante per i grandi modelli oggi è modello-come-persona. Questa è una metafora efficace perché le persone hanno capacità estese che conosciamo intuitivamente. Implica che possiamo avere una conversazione con un modello e porgli domande; che il modello possa collaborare con noi su un documento o un pezzo di codice; che possiamo assegnargli un compito da svolgere da solo e che tornerà quando sarà finito.
Tuttavia, trattare un modello come una persona limita profondamente il nostro modo di pensare all’interazione con esso. Le interazioni umane sono intrinsecamente lente e lineari, limitate dalla larghezza di banda e dalla natura a turni della comunicazione verbale. Come abbiamo tutti sperimentato, comunicare idee complesse in una conversazione è difficile e dispersivo. Quando vogliamo precisione, ci rivolgiamo invece a strumenti, utilizzando manipolazioni dirette e interfacce visive ad alta larghezza di banda per creare diagrammi, scrivere codice e progettare modelli CAD. Poiché concepiamo i modelli come persone, li utilizziamo attraverso conversazioni lente, anche se sono perfettamente in grado di accettare input diretti e rapidi e di produrre risultati visivi. Le metafore che utilizziamo limitano le esperienze che costruiamo, e la metafora modello-come-persona ci impedisce di esplorare il pieno potenziale dei grandi modelli.
Per molti casi d’uso, e specialmente per il lavoro produttivo, credo che il futuro risieda in un’altra metafora: modello-come-computer.
Usare un’IA come un computer
Sotto la metafora modello-come-computer, interagiremo con i grandi modelli seguendo le intuizioni che abbiamo sulle applicazioni informatiche (sia su desktop, tablet o telefono). Nota che ciò non significa che il modello sarà un’app tradizionale più di quanto il desktop di Windows fosse una scrivania letterale. “Applicazione informatica” sarà un modo per un modello di rappresentarsi a noi. Invece di agire come una persona, il modello agirà come un computer.
Agire come un computer significa produrre un’interfaccia grafica. Al posto del flusso lineare di testo in stile telescrivente fornito da ChatGPT, un sistema modello-come-computer genererà qualcosa che somiglia all’interfaccia di un’applicazione moderna: pulsanti, cursori, schede, immagini, grafici e tutto il resto. Questo affronta limitazioni chiave dell’interfaccia di chat standard modello-come-persona:
Scoperta. Un buon strumento suggerisce i suoi usi. Quando l’unica interfaccia è una casella di testo vuota, spetta all’utente capire cosa fare e comprendere i limiti del sistema. La barra laterale Modifica in Lightroom è un ottimo modo per imparare l’editing fotografico perché non si limita a dirti cosa può fare questa applicazione con una foto, ma cosa potresti voler fare. Allo stesso modo, un’interfaccia modello-come-computer per DALL-E potrebbe mostrare nuove possibilità per le tue generazioni di immagini.
Efficienza. La manipolazione diretta è più rapida che scrivere una richiesta a parole. Per continuare l’esempio di Lightroom, sarebbe impensabile modificare una foto dicendo a una persona quali cursori spostare e di quanto. Ci vorrebbe un giorno intero per chiedere un’esposizione leggermente più bassa e una vibranza leggermente più alta, solo per vedere come apparirebbe. Nella metafora modello-come-computer, il modello può creare strumenti che ti permettono di comunicare ciò che vuoi più efficientemente e quindi di fare le cose più rapidamente.
A differenza di un’app tradizionale, questa interfaccia grafica è generata dal modello su richiesta. Questo significa che ogni parte dell’interfaccia che vedi è rilevante per ciò che stai facendo in quel momento, inclusi i contenuti specifici del tuo lavoro. Significa anche che, se desideri un’interfaccia più ampia o diversa, puoi semplicemente richiederla. Potresti chiedere a DALL-E di produrre alcuni preset modificabili per le sue impostazioni ispirati da famosi artisti di schizzi. Quando clicchi sul preset Leonardo da Vinci, imposta i cursori per disegni prospettici altamente dettagliati in inchiostro nero. Se clicchi su Charles Schulz, seleziona fumetti tecnicolor 2D a basso dettaglio.
Una bicicletta della mente proteiforme
La metafora modello-come-persona ha una curiosa tendenza a creare distanza tra l’utente e il modello, rispecchiando il divario di comunicazione tra due persone che può essere ridotto ma mai completamente colmato. A causa della difficoltà e del costo di comunicare a parole, le persone tendono a suddividere i compiti tra loro in blocchi grandi e il più indipendenti possibile. Le interfacce modello-come-persona seguono questo schema: non vale la pena dire a un modello di aggiungere un return statement alla tua funzione quando è più veloce scriverlo da solo. Con il sovraccarico della comunicazione, i sistemi modello-come-persona sono più utili quando possono fare un intero blocco di lavoro da soli. Fanno le cose per te.
Questo contrasta con il modo in cui interagiamo con i computer o altri strumenti. Gli strumenti producono feedback visivi in tempo reale e sono controllati attraverso manipolazioni dirette. Hanno un overhead comunicativo così basso che non è necessario specificare un blocco di lavoro indipendente. Ha più senso mantenere l’umano nel loop e dirigere lo strumento momento per momento. Come stivali delle sette leghe, gli strumenti ti permettono di andare più lontano a ogni passo, ma sei ancora tu a fare il lavoro. Ti permettono di fare le cose più velocemente.
Considera il compito di costruire un sito web usando un grande modello. Con le interfacce di oggi, potresti trattare il modello come un appaltatore o un collaboratore. Cercheresti di scrivere a parole il più possibile su come vuoi che il sito appaia, cosa vuoi che dica e quali funzionalità vuoi che abbia. Il modello genererebbe una prima bozza, tu la eseguirai e poi fornirai un feedback. “Fai il logo un po’ più grande”, diresti, e “centra quella prima immagine principale”, e “deve esserci un pulsante di login nell’intestazione”. Per ottenere esattamente ciò che vuoi, invierai una lista molto lunga di richieste sempre più minuziose.
Un’interazione alternativa modello-come-computer sarebbe diversa: invece di costruire il sito web, il modello genererebbe un’interfaccia per te per costruirlo, dove ogni input dell’utente a quell’interfaccia interroga il grande modello sotto il cofano. Forse quando descrivi le tue necessità creerebbe un’interfaccia con una barra laterale e una finestra di anteprima. All’inizio la barra laterale contiene solo alcuni schizzi di layout che puoi scegliere come punto di partenza. Puoi cliccare su ciascuno di essi, e il modello scrive l’HTML per una pagina web usando quel layout e lo visualizza nella finestra di anteprima. Ora che hai una pagina su cui lavorare, la barra laterale guadagna opzioni aggiuntive che influenzano la pagina globalmente, come accoppiamenti di font e schemi di colore. L’anteprima funge da editor WYSIWYG, permettendoti di afferrare elementi e spostarli, modificarne i contenuti, ecc. A supportare tutto ciò è il modello, che vede queste azioni dell’utente e riscrive la pagina per corrispondere ai cambiamenti effettuati. Poiché il modello può generare un’interfaccia per aiutare te e lui a comunicare più efficientemente, puoi esercitare più controllo sul prodotto finale in meno tempo.
La metafora modello-come-computer ci incoraggia a pensare al modello come a uno strumento con cui interagire in tempo reale piuttosto che a un collaboratore a cui assegnare compiti. Invece di sostituire un tirocinante o un tutor, può essere una sorta di bicicletta proteiforme per la mente, una che è sempre costruita su misura esattamente per te e il terreno che intendi attraversare.
Un nuovo paradigma per l’informatica?
I modelli che possono generare interfacce su richiesta sono una frontiera completamente nuova nell’informatica. Potrebbero essere un paradigma del tutto nuovo, con il modo in cui cortocircuitano il modello di applicazione esistente. Dare agli utenti finali il potere di creare e modificare app al volo cambia fondamentalmente il modo in cui interagiamo con i computer. Al posto di una singola applicazione statica costruita da uno sviluppatore, un modello genererà un’applicazione su misura per l’utente e le sue esigenze immediate. Al posto della logica aziendale implementata nel codice, il modello interpreterà gli input dell’utente e aggiornerà l’interfaccia utente. È persino possibile che questo tipo di interfaccia generativa sostituisca completamente il sistema operativo, generando e gestendo interfacce e finestre al volo secondo necessità.
All’inizio, l’interfaccia generativa sarà un giocattolo, utile solo per l’esplorazione creativa e poche altre applicazioni di nicchia. Dopotutto, nessuno vorrebbe un’app di posta elettronica che occasionalmente invia email al tuo ex e mente sulla tua casella di posta. Ma gradualmente i modelli miglioreranno. Anche mentre si spingeranno ulteriormente nello spazio di esperienze completamente nuove, diventeranno lentamente abbastanza affidabili da essere utilizzati per un lavoro reale.
Piccoli pezzi di questo futuro esistono già. Anni fa Jonas Degrave ha dimostrato che ChatGPT poteva fare una buona simulazione di una riga di comando Linux. Allo stesso modo, websim.ai utilizza un LLM per generare siti web su richiesta mentre li navighi. Oasis, GameNGen e DIAMOND addestrano modelli video condizionati sull’azione su singoli videogiochi, permettendoti di giocare ad esempio a Doom dentro un grande modello. E Genie 2 genera videogiochi giocabili da prompt testuali. L’interfaccia generativa potrebbe ancora sembrare un’idea folle, ma non è così folle.
Ci sono enormi domande aperte su come apparirà tutto questo. Dove sarà inizialmente utile l’interfaccia generativa? Come condivideremo e distribuiremo le esperienze che creiamo collaborando con il modello, se esistono solo come contesto di un grande modello? Vorremmo davvero farlo? Quali nuovi tipi di esperienze saranno possibili? Come funzionerà tutto questo in pratica? I modelli genereranno interfacce come codice o produrranno direttamente pixel grezzi?
Non conosco ancora queste risposte. Dovremo sperimentare e scoprirlo!
Tradotto da:\ https://willwhitney.com/computing-inside-ai.htmlhttps://willwhitney.com/computing-inside-ai.html
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2025-06-03 17:26:11Originalni tekst na bitcoin-balkan.com.
Pregled sadržaja
- Šta je Bitcoin?
- Šta Bitcoin može da učini za vas?
- Zašto ljudi kupuju Bitcoin?
- Da li je vaš novac siguran u dolarima, kućama, akcijama ili zlatu?
- Šta je bolje za štednju od dolara, kuća i akcija?
- Po čemu se Bitcoin razlikuje od ostalih valuta?
- kako Bitcoin spašava svet?
- Kako mogu da saznam više o Bitcoin-u?
Bitcoin čini da štednja novca bude kul – i praktična – ponovo. Ovaj članak objašnjava kako i zašto.
Šta je Bitcoin?
Bitcoin se naziva digitalno zlato, mašina za istinu, blockchain, peer to peer mreža čvorova, energetski ponor i još mnogo toga. Bitcoin je, u stvari, sve ovo. Međutim, ova objašnjenja su često toliko tehnička i suvoparna, da bi većina ljudi radije gledala kako trava raste. Što je najvažnije, ova objašnjenja ne pokazuju kako Bitcoin ima bilo kakve koristi za vas.
iPod nije postao kulturološka senzacija jer ga je Apple nazvao „prenosnim digitalnim medijskim uređajem“. Postao je senzacija jer su ga zvali “1,000 pesama u vašem džepu.”
Ne zanima vas šta je Bitcoin. Vas zanima šta on može da učini za vas.
Baš kao i Internet, vaš auto, vaš telefon, kao i mnogi drugi uređaji i sistemi koje svakodnevno koristite, vi ne treba da znate šta je Bitcoin ili kako to funkcioniše da biste razumeli šta on može da učini za vas.
Šta Bitcoin može da učini za vas?
Bitcoin može da sačuva vaš teško zarađeni novac.
Bitcoin je stekao veliku pažnju u 2017. i 2018. godini zbog svoje spekulativne upotrebe. Mnogi ljudi su ga kupili nadajući se da će se obogatiti. Cena je naglo porasla, a zatim se srušila. Ovo nije bio prvi put da je Bitcoin uradio to. Međutim, niko nikada nije izgubio novac držeći bitcoin duže od 3,5 godine – ćak i ako je kupio na apsolutnim vrhovima.
Zašto Bitcoin konstantno raste? Ljudi počinju da shvataju koliko je Bitcoin moćan, kao način uštede novca u svetu u kojem je ’novac’ poput dolara, eura i drugih nacionalnih valuta dizajniran da gubi vrednost.
Ovo čini Bitcoin odličnom opcijom za štednju novca na nekoliko godina ili više. Bitcoin je bolji od štednje novca u dolarima, akcijama, nekretninama, pa čak i u zlatu.
Zato pokušajte da zaboravite na trenutak na razumevanje blockchaina, digitalne valute, kriptografije, seed fraza, novčanika, rudarstva i svih ostalih nerazumljivih termina. Za sada, razgovarajmo o tome zašto ljudi kupuju Bitcoin: razlog je prostiji nego što vi mislite.
Zašto ljudi kupuju Bitcoin?
Naravno, svako ima svoj razlog za kupovinu Bitcoin-a. Jedan od razloga, koji verovatno često čujete, je taj što mu vrednost raste. Ljudi žele da se obogate. Uskoče kao spekulanti, krenu u vožnju i najverovatnije ih prodaju ubrzo nakon kupovine.
Međutim, čak i kada cena krene naglo prema gore i strmoglavo padne nazad, mnogi ljudi ostanu i nakon tog pada. Otkud mi to znamo? Broj aktivnih novčanika dnevno, koji je otprilike sličan broju korisnika Bitcoin-a, nastavlja da raste. Takođe, nakon svakog balona u istoriji Bitcoin-a, cena se nikada ne vraća na svoju cenu pre balona. Uvek ostane malo višlja. Bitcoin se penje, a svaka masovna spekulativna serija dovodi sve više i više ljudi.
Broj aktivnih Bitcoin novčanika neprekidno raste
„Aktivna adresa“ znači da je neko tog dana poslao Bitcoin transakciju. Donji grafikon je na logaritamskoj skali.
Izvor: Glassnode
Cena Bitcoina se neprestano penje
Kroz istoriju Bitcoin-a možemo videti divlje kolebanje cena, ali nakon svakog balona, cena se ostaje višlja nego pre. Ovo je cena Bitcoin-a na logaritamskoj skali.
Izvor: Glassnode
To pokazuje da se ljudi zadržavaju: potražnja za Bitcoin-om se povećava. Da je svaki masovni rast cena bio samo balon koji su iscenirali prevaranti koji žele brzo da se obogate, cena bi se vratila na nivo pre balona. To se dogodilo sa lalama, ali ne i sa Bitcoin-om.
I zašto se onda cena Bitcoin-a stalno povećava? Sve veći broj ljudi čuva Bitcoin dugoročno – oni razumeju šta Bitcoin može učiniti za njihovu štednju.
Zašto ljudi štede svoj novac u Bitcoin-u umesto na štednim računima, kućama, deonicama ili zlatu? Hajde da pogledajmo sve te metode štednje, i zatim da ih uporedimo sa Bitcoin-om.
Da li je vaš novac siguran u dolarima, kućama, akcijama ili zlatu?
Tokom mnogo godina, to su bile pristojne opcije za štednju. Međutim, sistem koji podržava vrednost svega ovoga je u krizi.
Dolari, Euri, Dinari
Dolari i sve ostale „tradicionalne“ valute koje proizvode vlade, stvorene su da izgube vrednost kroz inflaciju. Banke i tradicionalni monetarni sistem uzrokuju inflaciju stalnim stvaranjem i distribucijom novog novca. Kada Američke Federalne Rezerve objave ciljanu stopu od 2% inflacije, to znači da žele da vaš novac svake godine izgubi 2% od svoje vrednosti. Čak i sa inflacijom od samo 2%, vaša štednja u dolarima izgubiće polovinu vrednosti tokom 40-godišnjeg radnog veka.
Izveštena inflacija se danas opasno povečava, uprkos rastućem „buretu sa barutom“ koji bi mogao da explodira i dovede do masivne hiperinflacije. Što je više valute u opticaju, to je više baruta u buretu.
Naše vlade su ekonomiju napunile valutama da bankarski sistem ne bi propao nakon finansijske krize koja se dogodila 2008. godine. Od tada je većina glavnih centralnih banaka postavila vrlo niske kamatne stope, što pojedincima i korporacijama omogućava dobijanje jeftinijih kredita. To znači da mnogi pojedinci i korporacije podižu ogromne kredite i koriste ih za kupovinu druge imovine poput deonica, umetničkih dela i nekretnina. Sve ovo pozajmljivanje znači da stvaramo tone novog novca i stavljamo ga u opticaj.
Računi za podsticaje (stimulus bills) COVID-19 za 2020. godinu unose trilione u sistem. Ovoliko stvaranje valuta na kraju dovodi do inflacije – velikog gubitka u vrednosti valute.
Količina američkog dolara u opticaju gotovo se udvostručila od marta 2020. godine. Izvor
Računi za podsticaje su bez presedana, toliko da je neko izmislio meme da opiše ovu situaciju.
Resurs koji vlade mogu da naprave u većem broju da bi platile svoje račune? Ne zvuči kao dobro mesto za štednju novca.
Kuće
Kuće su tokom prošlog veka bile pristojan način štednje novca. Međutim, pad cena nekretnina 2007. godine doveo je do toga da su mnogi vlasnici kuća izgubili svu ušteđevinu.
Danas su kuće gotovo nepristupačne za prosečnog čoveka. Jedan od načina da se ovo izmeri je koliko godišnjih zarada treba prosečnom čoveku da zaradi ekvivalent vrednosti prosečne kuće. Prema CityLab-u, publikaciji Bloomberg-a koja pokriva gradove, porodica može da priuštiti određenu kuću ako košta manje od 2,6 godišnjih prihoda domaćinstva te porodice.
Međutim, prema RZS (Republički zavod za statistiku) prosečan prihod porodičnog domaćinstva u Srbiji iznosi oko 570 EUR mesečno ili otprilike 7.000 EUR godišnje. Nažalost, samo najjeftinija područja van gradova imaju srednje cene kuća od oko 2,6 prosečnih godišnjih prihoda domaćinstva. U većim gradovima poput Beograda i Novog Sada srednja cena kuće je veća od 10 prosečnih godišnjih prihoda jednog domaćinstva.
Ako nekako možete sebi da priuštite kuću, ona bi mogla biti pristojna zaliha vrednosti. Dokle god ne doživimo još jedan krah i izvršitelji zaplene ovu imovinu mnogim vlasnicima kuća.
Akcije
Berza je u prošlosti takođe dobro poslovala. Međutim, sporo i stabilno povećanje tržišta događa se u dosadnom, predvidljivom svetu. Svakog dana vidimo sve manje toga. Nakon ubrzanja korona virusa, videli smo smo najbrži pad američke berze u istoriji od 25% – brži od Velike depresije.
Neki se odlučuju za ulaganje u obveznice i drugu finansijsku imovinu, ali ’prinosi’ za tu imovinu – procenat kamate zarađene na imovinu iz godine u godinu – stalno opada. Sve veći broj odredjenih imovina ima čak i negativne prinose, što znači da posedovanje te imovine košta! Ovo je veliki problem za sve koji se oslanjaju na penziju. Plus, s obzirom na to da su akcije denominovane u tradicionalnim valutama poput dolara i evra, inflacija pojede prinos koji investitor dobije.
Najgore od svega je to što ti isti ekonomski krahovi koji uzrokuju masovna otpuštanja i teško tržište rada takođe znače i nagli pad cena akcija. Čuvanje ušteđevine u akcijama može značiti i gubitak štednje i gubitak posla zbog recesije. Teška vremena mogu da vas prisile da svoje akcije prodate po vrlo malim cenama samo da biste platili svoje račune.
A to nije baš siguran način štednje novca.
Zlato
Vrednost zlata neprekidno se povećavala tokom 5000 godina, obično padajući onda kada berza obećava jače prinose.
Evidencija vrednosti zlata je solidna. Međutim, zlato nosi i druge rizike. Većina ljudi poseduje zlato na papiru. Oni fizički ne poseduju zlato, već ga njihova banka čuva za njih. Zbog toga je zlato veoma podložno konfiskaciji od strane vlade.
Zašto bi vlada konfiskovala nečije zlato, a kamoli u demokratskoj zemlji u „slobodnom svetu“? Ali to se dešavalo i ranije. 1933. godine Izvršnom Naredbom 6102, predsednik Roosevelt naredio je svim Amerikancima da prodaju svoje zlato vladi u zamenu za papirne dolare. Vlada je iskoristila pretnju zatvorom za prikupljanje zlata u fizičkom obliku. Znali su da se zlato više poštuje kao zaliha vrednosti širom sveta od papirnih dolara.
Ako posedujete svoje zlato na nekoj od aplikacija za trgovanje akcijama, možete se kladiti da će vam ga država oduzeti ako joj zatreba. Čak i ako posedujete fizičko zlato, onda ga izlažete mogućnosti krađe – od strane kriminalca ili vaše vlade.
Vaša uštedjevina nije bezbedna.
Rast cena svih gore navedenih sredstava zavisi od našeg trenutnog političkog i ekonomskog sistema koji se nastavlja kao i tokom proteklih 100 godina. Međutim, danas vidimo ogromne pukotine u ovom sistemu.
Sistem ne funkcioniše dobro za većinu ljudi.
Od 1971. plate većine američkih radnika nisu rasle. S druge strane, bogatstvo koje imaju najbogatiji u društvu nalazi se na nivoima koji nisu viđeni više od 80 godina. U međuvremenu, ljudi sve manje i manje veruju institucijama poput banaka i vlada.
CBPP Nejednakost Bogatstva Tokom Vremena
Širom sveta možemo videti dokaze o slamanju sistema kroz politički ekstremizam: izbor Trampa i drugih ekstremističkih desničarskih kandidata, Bregzit, pokret Occupy, popularizacija koncepta univerzalnog osnovnog dohotka, povratak pojma „socijalizam“ nazad u modu. Ljudi na svim delovima političkog i društvenog spektra osećaju problematična vremena i posežu za sve radikalnijim rešenjima.
Šta je bolje za štednju od dolara, kuća i akcija?
Pa kako ljudi mogu da štede novac u ovim teškim vremenima? Ili ne koriste tradicionalne valute, ili kupuju sredstva koja će zadržati vrednost u teškim vremenima.
Bitcoin ima najviše potencijala da zadrži vrednost kroz politička i ekonomska previranja od bilo koje druge imovine. Na tom putu će biti rupa na kojima će se rušiti ili pumpati, međutim, njegova svojstva čine ga takvim da će verovatno preživeti previranja kada druga imovina ne bude to mogla.
Šta Bitcoin čini drugačijim?
Bitcoini su retki.
Proces ‘rudarenja’ bitcoin-a, proizvodnju bitcoin-a čini veoma skupom, a Bitcoin protokol ograničava ukupan broj bitcoin-a na 21 milion novčića. To čini Bitcoin imunim na nagle poraste ponude. Ovo se veoma razlikuje od tradicionalnih valuta, koje vlade mogu da štampaju sve više kad god one to požele. Zapamtite, povećanje ponude vrši veliki pritisak na vrednost valute.
Bitcoini nemaju drugu ugovornu stranu.
Bitcoin se takođe razlikuje od imovine kao što su obveznice, akcije i kuće, jer mu nedostaje druga ugovorna strana. Druge ugovorne strane su drugi subjekti uključeni u vrednost sredstva, koji to sredstvo mogu obezvrediti ili vam ga uzeti. Ako imate hipoteku na svojoj kući, banka je druga ugovorna strana. Kada sledeći put dođe do velikog finansijskog kraha, banka vam može oduzeti kuću. Kompanije su kvazi-ugovorne strane akcijama i obveznicama, jer mogu da počnu da donose loše odluke koje utiču na njihovu cenu akcija ili na „neizvršenje“ duga (da ga ne vraćaju vama ili drugim poveriocima). Bitcoin nema ovih problema.
Bitcoin je pristupačan.
Svako sa 5 eura i mobilnim telefonom može da kupi i poseduje mali deo bitcoin-a. Važno je da znate da ne morate da kupite ceo bitcoin. Bitcoin-i su deljivi do 100-milionite jedinice, tako da možete da kupite Bitcoin u vrednosti od samo nekoliko eura. Neuporedivo lakše nego kupovina kuće, zlata ili akcija!
Bitcoin se ne može konfiskovati.
Banke drže većinu vaših eura, zlata i akcija za vas. Većina ljudi u razvijenom svetu veruje bankama, jer većina ljudi koji žive u današnje vreme nikada nije doživela konfiskaciju imovine ili ’šišanje’ od strane banaka ili vlada. Nažalost, postoji presedan za konfiskaciju imovine čak i u demokratskim zemljama sa snažnom vladavinom prava.
Kada vlada konfiskuje imovinu, ona obično ubedi javnost da će je menjati za imovinu jednake vrednosti. U SAD-u 1930-ih, vlada je davala dolare vlasnicima zlata. Vlada je znala da uvek može da odštampa još više dolara, ali da ne može da napravi više zlata. Na Kipru 2012. godine, jedna propala banka je svojim klijentima dala deonice banke da pokrije dolare klijenata koje je banka trebala da ima. I dolari i deonice su strmoglavo opali u odnosu na imovinu koja je uzeta od ovih ljudi.
Doći do bitcoin-a koji ljudi poseduju, biće mnogo teže jer se bitcoin-i mogu čuvati u novčaniku koji ne poseduje neka treća strana, a vi možete čak i da zapamtite privatne ključeve do vašeg bitcoin-a u glavi.
Bitcoin je za štednju.
Bitcoin se polako pokazuje kao najbolja opcija za dugoročnu štednju novca, posebno s obzirom na današnju ekonomsku klimu. Posedovanje čak i malog dela, je polisa osiguranja koja se isplati ako svet i dalje nastavi da ludi. Cena Bitcoin-a u dolarima može divlje da varira u roku od godinu ili dve, ali tokom 3+ godine skoro svi vide slične ili više cene od trenutka kada su ga kupili. U stvari, doslovno niko nije izgubio novac čuvajući Bitcoin duže od 3,5 godine – čak i ako je kupio BTC na apsolutnim vrhovima tržišta.
Imajte na umu da nakon ove tačke ti ljudi više nikada nisu videli rizik od gubitka. Cena se nikada nije smanjila niže od najviše cene u prethodnom ciklusu.
Po čemu se Bitcoin razlikuje od ostalih valuta?
Bitcoin funkcioniše tako dobro kao način štednje zbog svog neobičnog dizajna, koji ga čini drugačijim od bilo kog drugog oblika novca koji je postojao pre njega. Bitcoin je digitalna valuta, prvi i verovatno jedini primer valute koja ima ograničenu ponudu dok radi na otvorenom, decentralizovanom sistemu. Vlade strogo kontrolišu valute koje danas koristimo, poput dolara i eura, i proizvode ih za finansiranje ratova i dugova. Korisnici Bitcoin-a – poput vas – kontrolišu Bitcoin protokol.
Evo šta Bitcoin razlikuje od dolara, eura i drugih valuta:
Bitcoin je otvoren sistem.
Svako može da odluči da se pridruži Bitcoin mreži i primeni pravila softverskog protokola, što je dovelo do vrlo decentralizovanog sistema u kojem nijedan pojedinac ili entitet ne može da blokira transakciju, zamrzne sredstva ili da ukrade od druge osobe.Današnji savremeni bankarski sistem se uveliko razlikuje. Nekoliko banaka je dobilo poverenje da gotovo sve valute, akcije i druge vredne predmete čuvaju na “sigurnom” za svoje klijente. Da biste postali banka, potrebni su vam milioni dolara i neverovatne količine političkog uticaja. Da biste pokrenuli Bitcoin čvor i postali „svoja banka“, potrebno vam je nekoliko stotina dolara i jedno slobodno popodne.
Tako izgleda Bitcoin čvor – Node MyNode čvor vam omogućava da postanete svoja banka za samo nekoliko minuta.
Bitcoin ima ograničenu ponudu.
Softverski protokol otvorenog koda koji upravlja Bitcoin sistemom ograničava broj novih bitcoin-a koji se mogu stvoriti tokom vremena, sa ograničenjem od ukupno 21.000.000 bitcoin-a. S druge strane, valute koje danas koristimo imaju neograničenu ponudu. Istorija i sadašnje odluke centralnih banaka govore nam da će vlade uvek štampati sve više i više valuta, sve dok valuta ne bude bezvredna. Sve ovo štampanje uzrokuje inflaciju, što pravi štetu običnim radnim ljudima i štedišama.
Tradicionalne valute su dizajnirane tako da opadaju vremenom. Svaki put kada centralna banka kaže da cilja određenu stopu inflacije, oni ustvari kažu da žele da vaš novac svake godine izgubi određeni procenat svoje vrednosti.
Bitcoin-ova ograničena ponuda znači da je on tako dizajniran da raste vremenom kako se potražnja za njim povećava.
Bitcoin putuje oko sveta za nekoliko minuta.
Svako može da pošalje bitcoin-e za nekoliko minuta širom sveta, bez obzira na granice, banke i vlade. Potrebno je manje od minuta da se transakcija pojavi na novčaniku primaoca i oko 60 minuta da se transakcija u potpunosti „obračuna“, tako da primaoc može da bude siguran da su primljeni bitcoin-i sada njegovi (6 konfirmacija bloka). Slanje drugih valuta širom sveta traje danima ili čak mesecima ako se šalju milionski iznosi, a podrazumeva i visoke naknade.
Neke vlade i novinari tvrde da ova sloboda putovanja koju pruža Bitcoin pomaže kriminalcima i teroristima. Međutim, transakciju Bitcoin-a je lakše pratiti nego većinu transakcija u dolarima ili eurima.
Bitcoin se može čuvati na “USB-u”.
Dizajn Bitcoin-a je takav da vam treba samo da čuvate privatni ključ do svojih ‘bitcoin’ adresa (poput lozinke do bankovnih računa) da biste pristupili svojim bitcoin-ima odakle god poželite. Ovaj privatni ključ možete da sačuvate na disku ili na papiru u obliku 12 ili 24 reči na engleskom jeziku. Kao rezultat toga, možete da držite Bitcoin-e vredne milione dolara u svojoj šaci.
Sve ostale valute danas možete ili da strpate u svoj dušek ili da ih poverite banci na čuvanje. Za većinu ljudi koji žive u razvijenom svetu, i koji ne osporavaju autoritet i poverenje u banku, ovo deluje sasvim dobro. Međutim, oni kojima je potrebno da pobegnu od ugnjetavačke vlade ili koji naljute pogrešne ljude, ne mogu verovati bankama. Za njih je sposobnost da nose svoju ušteđevinu bez potrebe za ogromnim koferom neprocenjiva. Čak i ako ne živite na mestu poput ovog, cena Bitcoin-a se i dalje povećava kada ih neko kome oni trebaju kupi.
Kako Bitcoin spašava svet?
Bitcoin, kao ultimativni način štednje, je cakum pakum, ali da li on pomaže u poboljšanju sveta u celini?
Kao što ćete početi da shvatate, ulazeći sve dublje i u druge sadržaje na ovoj stranici, mnogi temeljni delovi našeg današnjeg monetarnog sistema i ekonomije su duboko slomljeni. Međutim, oni koji upravljaju imaju korist od ovakvih sistema, pa se on verovatno neće promeniti bez revolucije ili mirnog svrgavanja od strane naroda. Bitcoin predstavlja novi sistem, sa nekoliko glavnih prednosti:
- Bitcoin popravlja novac, koji je milenijumima služio kao važan alat za rast i poboljšanje društva.
- Bitcoin vraća zdrav razum pozajmljivanju, uklanjanjem apsurdnih situacija poput negativnih kamatnih stopa (gde zajmitelj plaća da bi se zadužio).
- Bitcoin pokreće ulaganja u obnovljive izvore energije i poboljšava energetsku efikasnost u mreži, služeći kao „krajnji kupac“ za sve vrste energije.
Kako mogu da saznam više o Bitcoin-u?
Ovaj članak vam je dao osnovno razumevanje zašto biste trebali razmišljati o Bitcoin-u. Ako želite da saznate više, preporučujem ove resurse:
- Film "Bitcoin: Kraj Novca Kakav Poznajemo"
- Još uvek je rano za Bitcoin
- Zasto baš Bitcoin?
- Šta je to Bitcoin?
- The Bitcoin Whitepaper ← objavljen 2008. godine, ovo je izložio dizajn za Bitcoin.
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@ e6817453:b0ac3c39
2024-12-07 15:06:43I started a long series of articles about how to model different types of knowledge graphs in the relational model, which makes on-device memory models for AI agents possible.
We model-directed graphs
Also, graphs of entities
We even model hypergraphs
Last time, we discussed why classical triple and simple knowledge graphs are insufficient for AI agents and complex memory, especially in the domain of time-aware or multi-model knowledge.
So why do we need metagraphs, and what kind of challenge could they help us to solve?
- complex and nested event and temporal context and temporal relations as edges
- multi-mode and multilingual knowledge
- human-like memory for AI agents that has multiple contexts and relations between knowledge in neuron-like networks
MetaGraphs
A meta graph is a concept that extends the idea of a graph by allowing edges to become graphs. Meta Edges connect a set of nodes, which could also be subgraphs. So, at some level, node and edge are pretty similar in properties but act in different roles in a different context.
Also, in some cases, edges could be referenced as nodes.
This approach enables the representation of more complex relationships and hierarchies than a traditional graph structure allows. Let’s break down each term to understand better metagraphs and how they differ from hypergraphs and graphs.Graph Basics
- A standard graph has a set of nodes (or vertices) and edges (connections between nodes).
- Edges are generally simple and typically represent a binary relationship between two nodes.
- For instance, an edge in a social network graph might indicate a “friend” relationship between two people (nodes).
Hypergraph
- A hypergraph extends the concept of an edge by allowing it to connect any number of nodes, not just two.
- Each connection, called a hyperedge, can link multiple nodes.
- This feature allows hypergraphs to model more complex relationships involving multiple entities simultaneously. For example, a hyperedge in a hypergraph could represent a project team, connecting all team members in a single relation.
- Despite its flexibility, a hypergraph doesn’t capture hierarchical or nested structures; it only generalizes the number of connections in an edge.
Metagraph
- A metagraph allows the edges to be graphs themselves. This means each edge can contain its own nodes and edges, creating nested, hierarchical structures.
- In a meta graph, an edge could represent a relationship defined by a graph. For instance, a meta graph could represent a network of organizations where each organization’s structure (departments and connections) is represented by its own internal graph and treated as an edge in the larger meta graph.
- This recursive structure allows metagraphs to model complex data with multiple layers of abstraction. They can capture multi-node relationships (as in hypergraphs) and detailed, structured information about each relationship.
Named Graphs and Graph of Graphs
As you can notice, the structure of a metagraph is quite complex and could be complex to model in relational and classical RDF setups. It could create a challenge of luck of tools and software solutions for your problem.
If you need to model nested graphs, you could use a much simpler model of Named graphs, which could take you quite far.The concept of the named graph came from the RDF community, which needed to group some sets of triples. In this way, you form subgraphs inside an existing graph. You could refer to the subgraph as a regular node. This setup simplifies complex graphs, introduces hierarchies, and even adds features and properties of hypergraphs while keeping a directed nature.
It looks complex, but it is not so hard to model it with a slight modification of a directed graph.
So, the node could host graphs inside. Let's reflect this fact with a location for a node. If a node belongs to a main graph, we could set the location to null or introduce a main node . it is up to youNodes could have edges to nodes in different subgraphs. This structure allows any kind of nesting graphs. Edges stay location-free
Meta Graphs in Relational Model
Let’s try to make several attempts to model different meta-graphs with some constraints.
Directed Metagraph where edges are not used as nodes and could not contain subgraphs
In this case, the edge always points to two sets of nodes. This introduces an overhead of creating a node set for a single node. In this model, we can model empty node sets that could require application-level constraints to prevent such cases.
Directed Metagraph where edges are not used as nodes and could contain subgraphs
Adding a node set that could model a subgraph located in an edge is easy but could be separate from in-vertex or out-vert.
I also do not see a direct need to include subgraphs to a node, as we could just use a node set interchangeably, but it still could be a case.Directed Metagraph where edges are used as nodes and could contain subgraphs
As you can notice, we operate all the time with node sets. We could simply allow the extension node set to elements set that include node and edge IDs, but in this case, we need to use uuid or any other strategy to differentiate node IDs from edge IDs. In this case, we have a collision of ephemeral edges or ephemeral nodes when we want to change the role and purpose of the node as an edge or vice versa.
A full-scale metagraph model is way too complex for a relational database.
So we need a better model.Now, we have more flexibility but loose structural constraints. We cannot show that the element should have one vertex, one vertex, or both. This type of constraint has been moved to the application level. Also, the crucial question is about query and retrieval needs.
Any meta-graph model should be more focused on domain and needs and should be used in raw form. We did it for a pure theoretical purpose. -
@ c3b2802b:4850599c
2025-06-03 07:22:34Die Befragten erzählen, wie sie den Zusammenbruch des Vertrauens vieler Menschen im Land in das mechanistische Muster von Heilung durch Medikamente und Injektionen erlebt haben. Und sie lassen uns teilhaben an ihrem Erfahrungsschatz mit Heilverfahren, welche über mechanistische Verfahren des klassischen Gesundheitswesens hinausweisen. Verfahren, welche dazu beitragen, dass wir Menschen unsere Balance, unser Wohlbefinden erhalten oder wiederfinden. Verfahren, die uns in unsere volle Kraft und Energie bringen, um unsere Möglichkeiten und Potentiale zur Entfaltung zu bringen.
Das Buch erscheint zu einem passenden Zeitpunkt. Zum einen haben viele Menschen seit 2021 am eigenen Körper die Folgen der mRNA Injektionen erlebt und dramatische Schicksale von Angehörigen und Freunden miterlebt.
Zum anderen kommen derzeit vermehrt Informationen in Umlauf, welche die Motive von global agierenden Pharmaziekartellen und von ihnen gesponserten Organisationen wie der Welt-Gesundheits-Organisation WHO offenlegen.
Worum geht es der WHO, die zu 84% von privaten Geldgebern unterhalten wird? Im Jahr 2022 hat die WHO eine Bittschrift für potentielle Sponsoren veröffentlicht, welche den denkwürdigen Titel hat: „A healthy return“. Gemeint ist ein „gesunder“ Geldrückfluß für Geldgeber, welcher eine 3.500 (dreitausendfünfhundert!!!) prozentige Steigerung des Wertes des eingezahlten Geldes in Aussicht stellt. Hier finden Sie Details.
Wieviel Zinsen zahlt Ihre Bank, falls Sie mal Geld übrig haben? Ein, zwei – oder gar drei Prozent? Darf man solch einer Vereinigung das Vertrauen schenken, die Gesundheit der Weltbevölkerung sicherzustellen? Mögen Sie Ihre Zukunft einer Organisation anvertrauen, welche nicht demokratisch legitimiert ist, die unbekümmert mit Genmanipulationen umgeht und die exorbitante Gewinne für ihre Sponsoren im Auge hat?
Die Zeit scheint reif zu sein, uns in Erinnerung zu rufen: Wir Menschen sind komplexe Wesen mit Körper und Seele. Uns zeichnen zauberhafte Potentiale aus. Wir verfügen über ein Gewissen, Achtsamkeit, Dankbarkeit, Demut, Liebe.
Hier schließt sich der Kreis zum Buch von Laurens Dillmann: Die Experten für Gesundheit, Wohlbefinden und Potentialentfaltung wurden nach ihrem Werdegang, ihren Überzeugungen, ihrer konkreten Heilarbeit, ihren Erfolgen und teils auch zu ihrer Position in der globalen aktuellen Krise befragt.
Was das Buch charmant macht, ist die große Buntheit an zusammengetragenen Perspektiven, welche sich durch die Vielfalt der Berufsschwerpunkte der Befragten ergibt. Ein Wildnispädagoge und eine Hebamme, Traumatherapeuten und klassische Ärzte, Medizinwissenschaftler und -ethiker, ein Wildpflanzenexperte und ein Anti-Gewalt-Trainer, eine Gesangs- und Musiktherapeutin, eine Sex-Forscherin und mehrere Psychologen geben sich ein Stelldichein zwischen den Buchdeckeln. Auch wenig verbreitete Aspekte wie Astrologie oder Schamanismus kommen zur Sprache.
In einem Schlusskapitel stellt Sozialarbeiter, Naturpädagoge und Heilpraktiker Mattheo Pfleger in einem Manifest „Pro Leben und Gesundheit 2030“ eine Reihe von sehr weitreichenden Leitlinien für ein Gesundheitswesen der Zukunft vor. Besonders eindrücklich für mich ist sein Vorschlag einer Grundgesetzänderung, in der die Würde des Lebens für unantastbar erklärt wird. Hier kann das Buch erworben werden.
Dieser Beitrag wurde mit dem Pareto-Client geschrieben.
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@ a296b972:e5a7a2e8
2025-06-03 07:04:39So sehr man sich auch Mühe gibt, es will vielen einfach nicht gelingen, Russland als den Feind anzusehen.
Wenn ein fremder Mann eine Frau unfreiwillig zum Tanz auf’s Parkett zerrt und der Ehemann dem fremden Mann wie auch immer zu verstehen gibt, dass das so nicht geht, dann kann man nicht sagen, der Ehemann habe einen Streit vom Zaun gebrochen.
Eine Reaktion setzt immer eine Aktion voraus.
Nicht Russland ist der NATO auf die Pelle gerückt, sondern die NATO mit der Osterweiterung Russland.
Russland wollte mit Auflösung des Warschauer Pakts eine gemeinsame europäische Militärlösung, die die Neuordnung der NATO oder gar ebenfalls ihre Auflösung zur Folge gehabt hätte.
Der sogenannte Wertewesten ist maßgeblich für den Krieg in der Ukraine verantwortlich. Völkerrechtswidrigkeit kann man weglassen, da es auch im Westen, von den USA, mehrfach Beispiele für völkerrechtswidrige Angriffe auf andere Staaten gibt. Und Deutschland hat im Kosovo auch nicht nur Kaffee für die Truppen gekocht.
Wer im Glashaus sitzt, sollte nicht mit Steinen werfen.
Wenn Deutschland, vertreten durch einen Kanzler 2. Wahl über die nicht mehr vorhandene Reichweitenbeschränkung spricht, das Wahlvieh, den ehemaligen Souverän, im Ungewissen über die Lieferung des Stiers lässt, und dann, wie aus heiterem Himmel, Taurus, mit deutschem Kompass und deutschen Kompassbedienern, auf einmal Richtung Krim-Brücke oder gar Moskau unterwegs sein sollte, wen würde es dann wundern, wenn Moskau seine „Liebesgrüße“, schon allein aus reiner Höflichkeit und Anstand, nach Schrobenhausen sendet?
Würde das passieren, würde man in Deutschland sagen: Seht ihr, wir haben es euch ja immer gesagt, ihr wolltet es nur nicht glauben. Russland, mit seinem imperialen Anspruch und seinem aggressiven Verhalten, der Friedensverhinderer, der böse Putin, der böse Russ‘, wird uns angreifen! Die geforderte Kriegstüchtigkeit war also absolut berechtigt!
Wer das dann immer noch glaubt, dem möchte man eine Rakete in den Kamin seiner Doppelhaushälfte mit Gänsemuster-Gardinen am Küchenfenster stecken.
Wenn man jemanden bis auf’s Blut reizt, ist es ihm dann zu verdenken, wenn ihm irgendwann der Geduldsfaden reißt, nachdem schon mehrere Rote Linien überschritten wurden?
Und warum reizt man Russland bis auf’s Blut? Man kann zu keinem anderen Grund kommen, als dass die Geistesgrößen in Deutschland unbedingt einen Krieg wollen. Wozu? Ist das die von wem auch immer geplante Vollendung der Zerstörung Deutschlands? Der zukünftige Ex-Kanzler redet einen Haufen vermeintlich kluges Zeug daher, aber Russland handelt klug. Kleiner Unterschied.
Rheingold ist in gewöhnliches Rheinmetall, wohl durch Geheim-Alchimie, verwandelt worden. Geheim wird ja jetzt wieder modern. Man kann nur hoffen, dass es in der Taurussland-Rakete tatsächlich US-amerikanische Komponenten gibt, die (vielleicht sogar in Wiesbaden?) abgeschaltet werden können, damit der Stier nicht fliegen kann. Und man kann auch nur hoffen, dass die USA sie dann auch wirklich abschalten.
Die Meyer-Werft in Papenburg soll demnächst auch „Meine Fregatte“ und „Kreuzer grau I bis IX“ bauen. Panzerkreuzerfahrten in der Ostsee mit Blick auf Königsberg, na bravo, tolle Idee. (Da war doch mal was?). Gute Erholung schon jetzt. Da wird die vom Kaiser für den Aufbau der Marine eingeführte Sektsteuer endlich wieder ihrem eigentlichen Zweck zugeführt.
Und wie der ehemalige Masken-Chef-Einkäufer erst jüngst in einer der unsäglichen Staatsfunk-Aufführungen lichtblitzartig erkannt haben muss, spricht Putin Deutsch. Nein, doch, oh! Man stelle sich das einmal vor. Ganz was Neues! Die jetzt für die deutsche Bevölkerung geheim gehaltenen militärischen Absprachen werden nun in einer Sprache in Berlin besprochen, von denen man vorher sorgfältig, wie immer, recherchiert hat, dass Putin sie sicher nicht spricht, damit er nichts mitbekommt. Pssst, Feind hört mit! Den Beruf des Dolmetschers oder Übersetzers hat das Arbeitsamt in der Berufsberatung in der Schulzeit des Bankkaufmanns wahrscheinlich nicht vorgestellt, daher existieren sie für ihn nicht.
Und welche militärischen Entscheidungen von den deutschen "Chef-Diplomaten" getroffen wurden, das erfährt die Bevölkerung ja spätestens, wenn es knallt. Das reicht ja auch.
Was kommt als nächstes? Nach selbst genähten Maulwindeln jetzt eine Nähanleitung für schwere Gardinen zur Fenster-Verdunkelung? Oder gibt es die bald schon fertig in allen Größen zu kaufen, bei einem Discounter, wie in Berlin jetzt Macheten, damit man sich im Garten wieder den Weg zum Geräteschuppen bahnen kann.
Ils sont fous ces Allemands!
„Das große Karthago führte drei Kriege. Nach dem ersten war es noch mächtig. Nach dem zweiten war es noch bewohnbar. Nach dem dritten war es nicht mehr aufzufinden“, Berthold Brecht.
“Dieser Beitrag wurde mit dem Pareto-Client geschrieben.”
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(Bild von pixabay)
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@ e6817453:b0ac3c39
2024-12-07 15:03:06Hey folks! Today, let’s dive into the intriguing world of neurosymbolic approaches, retrieval-augmented generation (RAG), and personal knowledge graphs (PKGs). Together, these concepts hold much potential for bringing true reasoning capabilities to large language models (LLMs). So, let’s break down how symbolic logic, knowledge graphs, and modern AI can come together to empower future AI systems to reason like humans.
The Neurosymbolic Approach: What It Means ?
Neurosymbolic AI combines two historically separate streams of artificial intelligence: symbolic reasoning and neural networks. Symbolic AI uses formal logic to process knowledge, similar to how we might solve problems or deduce information. On the other hand, neural networks, like those underlying GPT-4, focus on learning patterns from vast amounts of data — they are probabilistic statistical models that excel in generating human-like language and recognizing patterns but often lack deep, explicit reasoning.
While GPT-4 can produce impressive text, it’s still not very effective at reasoning in a truly logical way. Its foundation, transformers, allows it to excel in pattern recognition, but the models struggle with reasoning because, at their core, they rely on statistical probabilities rather than true symbolic logic. This is where neurosymbolic methods and knowledge graphs come in.
Symbolic Calculations and the Early Vision of AI
If we take a step back to the 1950s, the vision for artificial intelligence was very different. Early AI research was all about symbolic reasoning — where computers could perform logical calculations to derive new knowledge from a given set of rules and facts. Languages like Lisp emerged to support this vision, enabling programs to represent data and code as interchangeable symbols. Lisp was designed to be homoiconic, meaning it treated code as manipulatable data, making it capable of self-modification — a huge leap towards AI systems that could, in theory, understand and modify their own operations.
Lisp: The Earlier AI-Language
Lisp, short for “LISt Processor,” was developed by John McCarthy in 1958, and it became the cornerstone of early AI research. Lisp’s power lay in its flexibility and its use of symbolic expressions, which allowed developers to create programs that could manipulate symbols in ways that were very close to human reasoning. One of the most groundbreaking features of Lisp was its ability to treat code as data, known as homoiconicity, which meant that Lisp programs could introspect and transform themselves dynamically. This ability to adapt and modify its own structure gave Lisp an edge in tasks that required a form of self-awareness, which was key in the early days of AI when researchers were exploring what it meant for machines to “think.”
Lisp was not just a programming language—it represented the vision for artificial intelligence, where machines could evolve their understanding and rewrite their own programming. This idea formed the conceptual basis for many of the self-modifying and adaptive algorithms that are still explored today in AI research. Despite its decline in mainstream programming, Lisp’s influence can still be seen in the concepts used in modern machine learning and symbolic AI approaches.
Prolog: Formal Logic and Deductive Reasoning
In the 1970s, Prolog was developed—a language focused on formal logic and deductive reasoning. Unlike Lisp, based on lambda calculus, Prolog operates on formal logic rules, allowing it to perform deductive reasoning and solve logical puzzles. This made Prolog an ideal candidate for expert systems that needed to follow a sequence of logical steps, such as medical diagnostics or strategic planning.
Prolog, like Lisp, allowed symbols to be represented, understood, and used in calculations, creating another homoiconic language that allows reasoning. Prolog’s strength lies in its rule-based structure, which is well-suited for tasks that require logical inference and backtracking. These features made it a powerful tool for expert systems and AI research in the 1970s and 1980s.
The language is declarative in nature, meaning that you define the problem, and Prolog figures out how to solve it. By using formal logic and setting constraints, Prolog systems can derive conclusions from known facts, making it highly effective in fields requiring explicit logical frameworks, such as legal reasoning, diagnostics, and natural language understanding. These symbolic approaches were later overshadowed during the AI winter — but the ideas never really disappeared. They just evolved.
Solvers and Their Role in Complementing LLMs
One of the most powerful features of Prolog and similar logic-based systems is their use of solvers. Solvers are mechanisms that can take a set of rules and constraints and automatically find solutions that satisfy these conditions. This capability is incredibly useful when combined with LLMs, which excel at generating human-like language but need help with logical consistency and structured reasoning.
For instance, imagine a scenario where an LLM needs to answer a question involving multiple logical steps or a complex query that requires deducing facts from various pieces of information. In this case, a solver can derive valid conclusions based on a given set of logical rules, providing structured answers that the LLM can then articulate in natural language. This allows the LLM to retrieve information and ensure the logical integrity of its responses, leading to much more robust answers.
Solvers are also ideal for handling constraint satisfaction problems — situations where multiple conditions must be met simultaneously. In practical applications, this could include scheduling tasks, generating optimal recommendations, or even diagnosing issues where a set of symptoms must match possible diagnoses. Prolog’s solver capabilities and LLM’s natural language processing power can make these systems highly effective at providing intelligent, rule-compliant responses that traditional LLMs would struggle to produce alone.
By integrating neurosymbolic methods that utilize solvers, we can provide LLMs with a form of deductive reasoning that is missing from pure deep-learning approaches. This combination has the potential to significantly improve the quality of outputs for use-cases that require explicit, structured problem-solving, from legal queries to scientific research and beyond. Solvers give LLMs the backbone they need to not just generate answers but to do so in a way that respects logical rigor and complex constraints.
Graph of Rules for Enhanced Reasoning
Another powerful concept that complements LLMs is using a graph of rules. A graph of rules is essentially a structured collection of logical rules that interconnect in a network-like structure, defining how various entities and their relationships interact. This structured network allows for complex reasoning and information retrieval, as well as the ability to model intricate relationships between different pieces of knowledge.
In a graph of rules, each node represents a rule, and the edges define relationships between those rules — such as dependencies or causal links. This structure can be used to enhance LLM capabilities by providing them with a formal set of rules and relationships to follow, which improves logical consistency and reasoning depth. When an LLM encounters a problem or a question that requires multiple logical steps, it can traverse this graph of rules to generate an answer that is not only linguistically fluent but also logically robust.
For example, in a healthcare application, a graph of rules might include nodes for medical symptoms, possible diagnoses, and recommended treatments. When an LLM receives a query regarding a patient’s symptoms, it can use the graph to traverse from symptoms to potential diagnoses and then to treatment options, ensuring that the response is coherent and medically sound. The graph of rules guides reasoning, enabling LLMs to handle complex, multi-step questions that involve chains of reasoning, rather than merely generating surface-level responses.
Graphs of rules also enable modular reasoning, where different sets of rules can be activated based on the context or the type of question being asked. This modularity is crucial for creating adaptive AI systems that can apply specific sets of logical frameworks to distinct problem domains, thereby greatly enhancing their versatility. The combination of neural fluency with rule-based structure gives LLMs the ability to conduct more advanced reasoning, ultimately making them more reliable and effective in domains where accuracy and logical consistency are critical.
By implementing a graph of rules, LLMs are empowered to perform deductive reasoning alongside their generative capabilities, creating responses that are not only compelling but also logically aligned with the structured knowledge available in the system. This further enhances their potential applications in fields such as law, engineering, finance, and scientific research — domains where logical consistency is as important as linguistic coherence.
Enhancing LLMs with Symbolic Reasoning
Now, with LLMs like GPT-4 being mainstream, there is an emerging need to add real reasoning capabilities to them. This is where neurosymbolic approaches shine. Instead of pitting neural networks against symbolic reasoning, these methods combine the best of both worlds. The neural aspect provides language fluency and recognition of complex patterns, while the symbolic side offers real reasoning power through formal logic and rule-based frameworks.
Personal Knowledge Graphs (PKGs) come into play here as well. Knowledge graphs are data structures that encode entities and their relationships — they’re essentially semantic networks that allow for structured information retrieval. When integrated with neurosymbolic approaches, LLMs can use these graphs to answer questions in a far more contextual and precise way. By retrieving relevant information from a knowledge graph, they can ground their responses in well-defined relationships, thus improving both the relevance and the logical consistency of their answers.
Imagine combining an LLM with a graph of rules that allow it to reason through the relationships encoded in a personal knowledge graph. This could involve using deductive databases to form a sophisticated way to represent and reason with symbolic data — essentially constructing a powerful hybrid system that uses LLM capabilities for language fluency and rule-based logic for structured problem-solving.
My Research on Deductive Databases and Knowledge Graphs
I recently did some research on modeling knowledge graphs using deductive databases, such as DataLog — which can be thought of as a limited, data-oriented version of Prolog. What I’ve found is that it’s possible to use formal logic to model knowledge graphs, ontologies, and complex relationships elegantly as rules in a deductive system. Unlike classical RDF or traditional ontology-based models, which sometimes struggle with complex or evolving relationships, a deductive approach is more flexible and can easily support dynamic rules and reasoning.
Prolog and similar logic-driven frameworks can complement LLMs by handling the parts of reasoning where explicit rule-following is required. LLMs can benefit from these rule-based systems for tasks like entity recognition, logical inferences, and constructing or traversing knowledge graphs. We can even create a graph of rules that governs how relationships are formed or how logical deductions can be performed.
The future is really about creating an AI that is capable of both deep contextual understanding (using the powerful generative capacity of LLMs) and true reasoning (through symbolic systems and knowledge graphs). With the neurosymbolic approach, these AIs could be equipped not just to generate information but to explain their reasoning, form logical conclusions, and even improve their own understanding over time — getting us a step closer to true artificial general intelligence.
Why It Matters for LLM Employment
Using neurosymbolic RAG (retrieval-augmented generation) in conjunction with personal knowledge graphs could revolutionize how LLMs work in real-world applications. Imagine an LLM that understands not just language but also the relationships between different concepts — one that can navigate, reason, and explain complex knowledge domains by actively engaging with a personalized set of facts and rules.
This could lead to practical applications in areas like healthcare, finance, legal reasoning, or even personal productivity — where LLMs can help users solve complex problems logically, providing relevant information and well-justified reasoning paths. The combination of neural fluency with symbolic accuracy and deductive power is precisely the bridge we need to move beyond purely predictive AI to truly intelligent systems.
Let's explore these ideas further if you’re as fascinated by this as I am. Feel free to reach out, follow my YouTube channel, or check out some articles I’ll link below. And if you’re working on anything in this field, I’d love to collaborate!
Until next time, folks. Stay curious, and keep pushing the boundaries of AI!
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@ 2769f6ba:8dac44e4
2025-06-03 06:53:38You may want to believe that the world works like a video game, where you can press the pause button, come back three months later and everything will be waiting for you exactly as you left it. But real life doesn’t work like that. The difference is that in the video game you are in control, whereas in real life you are not. Maybe you want to believe that the worst is over, but this is just getting started. Supply chains are breaking down and the economy is starting to collapse. To make it clear, “the economy” is not something abstract; it’s real people losing their jobs, their businesses, their incomes and their homes. Your authoritarian fantasies will just make it worse for you and others until you cannot handle it anymore and you accept reality and surrender to it. I get that you are afraid, and that’s OK. But to hold your fellow human beings hostage because you are afraid is not OK. It’s getting to the point where if you still support lockdowns, mandatory vaccines, mandatory tracking, mandatory testing or mandatory anything you have blood on your hands. History will not judge you kindly.
Then there are those of you who want to believe that the bailouts and the “universal basic income” will make the problems disappear. For example, I read Charles Eisenstein in his otherwise excellent piece The Coronation come up with all this UBI nonsense. You probably realize that if you grab a piece of paper and write “$1,000,000” on it with a marker pen of your favorite color, you don’t become magically rich. But you still want to believe that if the government does exactly the same thing, your problems will go away. On the one hand, even if you are not fully aware of it, you realize that the government and its satellite corporations are abusing you and sucking your blood more and more every day. Yet on the other hand, you keep begging your very abusers that are trying to deprive you from earning an honest living for yourself to give you a measly monthly UBI check in the hopes that it will magically make you feel good and solve your problems.
Aside from the fact that printing money cannot solve the issue the governments themselves have created in the first place with their mandatory lockdowns: maybe you expect that you can control your masters, or that they will benevolently give you the UBI check with no strings attached. Of course not: receiving the check will likely be tied to being a “good law-abiding citizen” (a.k.a. obedient slave); something like the social credit system they have in China. You will end up completely disempowered and depending on the government to even feed yourself and have shelter. I find it quite infuriating and sad that any “spiritual teacher” would want that for you and that you fall for it.
Consider this:
The issue is not the coronavirus itself. The virus is just revealing the cracks in the system.
You are not a victim. You always have the power. Not the power to start a “revolution”, mind you, which just consists in replacing the old abusers with new ones. As Buckminster Fuller said: “You never change things by fighting the existing reality. To change something, build a new model that makes the existing model obsolete.”
You have the power to walk away from this dying system of nation-state governments and fiat “money” and into the nascent paradigm of cryptocurrencies and decentralized governance. But first you have to question and confront the beliefs you have accepted as “reality”. It’s hard, I know, but unavoidable. So, the sooner you begin, the better for yourself and for humanity. Do you want to be free or do you just want to have a “fair” master?
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@ bf47c19e:c3d2573b
2025-06-03 17:18:46Originalni tekst na bitcoin-balkan.com.
Pregled sadržaja
- Definisanje novca
- Šta je sredstvo razmene?
- Šta je obračunska jedinica?
- Šta je zaliha vrednosti?
- Zašto su važne funkcije novca?
- Novac Gubi Funkciju: Alhemičar iz Njutonije
- Eksploatacija pomoću Novca: Agri Perle
- Novac Gubi Funkciju 2. Deo: Kejnslandski Bankar
- Da li nas novac danas eksploatiše?
- Šta je novac, i zašto trebate da brinete?
- Efikasnija Ušteda Novca
- Zasluge
- Molim vas da šerujete!
Google izveštava o stalnom povećanju interesa u svetu za pitanje „Šta je novac?“ koji se postavlja iz godine u godinu, od 2004. do 2021., a sa naglim porastom nakon finansijske krize 2008. godine.
I izgleda se da niko nema dobar odgovor za to.
Godišnji proseci mesečnih interesa za pretragu. 100 predstavlja najveći interes za pretragu tokom čitavog perioda, koji se dogodio u decembru 2019. Podaci sa Google Trends-a.
Međutim, odgovaranje na ovo naizgled jednostavno pitanje pomoći će vam da razjasnite ulogu novca u vašem životu. Jednom kada shvatite kako novac funkcioniše, tačno ćete videti i zašto svet danas ludi – i šta učiniti povodom toga. Zato hajde da se udubimo u to.
Na pitanje šta je novac, većina ljudi otvori svoje novčanike i pokaže nekoliko novčanica – “evo, ovo je novac!”
Ali po čemu se ove novčanice razlikuju od stranica vaše omiljene knjige? Pa, naravno, zavod za izradu novčanica te zemlje je odštampao te novčanice iz vašeg novčanika kako bi se oduprla falsifikovanju, i svi ih koriste da bi kupili odredjene stvari.
Međutim, Nemačka Marka imala je sva ova svojstva u prošlosti – ali preduzeća danas ne prihvataju te novčanice. Zapravo, građani Nemačke su početkom dvadesetih godina prošlog veka spaljivali papirne Marke kako bi grejali svoje domove. Marka je imala veću vrednost kao papir za potpalu nego kao novac!
1923. nemačka valuta poznata kao Marka bila je jeftinija od uglja i drveta!
Pa šta to čini novac, novcem?
Ispostavilo se da ovo nije pitanje na koje je lako dati odgovor.
Definisanje novca
Novac nije fizička stvar poput novčanice dolara. Novac je društveni sistem koji koristimo da bismo olakšali trgovinu robom i uslugama. Međutim, tokom istorije fizička monetarna dobra igrala su ključnu ulogu u društvenom sistemu novca, često kao znakovi koji predstavljaju vrednost u monetarnom sistemu. Ovaj sistem ima tri funkcije: 1) Sredstvo Razmene, 2) Obračunsku Jedinicu i 3) Zalihu Vrednosti.
Odakle dolaze ove funkcije, i zašto su one vredne?
Šta je sredstvo razmene?
Sredstvo razmene je neko dobro koje se obično razmenjuje za drugo dobro. Najčešće objašnjenje za to kako su se pojavila sredstva razmene glasi otprilike ovako: Boris ima ječam i želeo bi da kupi ovcu od Marka. Marko ima ovce, ali želi samo piliće. Ana ima piliće, ali ona ne želi ječam ili ovce.
To se naziva problem sticaja potreba: dve strane moraju da žele ono što druga ima da bi mogle da trguju. Ako se želje dve osobe ne podudaraju, oni moraju da pronađu druge ljude sa kojima će trgovati dok svi ne pronađu dobro koje žele.
Ljudi koji trguju robom i uslugama moraju da imaju potrebe koje se podudaraju.
Vremenom, veoma je verovatno da će se određena vrsta robe, poput pšenice, pojaviti kao sredstvo razmene jer su je mnogi ljudi želeli. Uzimajući pšenicu kao primer: pšenica je rešila “sticaje potreba” u mnogim zanatima, jer čak i ako onaj koji prima pšenicu a nije želeo da je koristi za sebe, znao je da će je neko drugi želeti.
Ovo nazivamo prodajnost imovine.
Pšenica je dobar primer dobra za prodaju jer svi moraju da jedu, a od pšenice se pravi hleb. Pšenica ima vrednost kao sastojak hleba i kao dobro koje olakšava trgovinu rešavanjem problema „sticaja potreba“.
Razmislite o svojoj želji da dobijete više novčanica u eurima ili drugoj valuti. Ne možete da jedete novčanice da biste preživeli, a i ne bi vam bile od velike koristi ako poželite da ih koristite kao građevinski materijal za vašu kuću. Međutim, znate da sa tim novčanicama možete da kupite hranu i kuću.
Stvarne fizičke novčanice su beskorisne za vas. Novčanice su vam dragocene samo zato što će ih drugi prihvatiti za stvari koje su vama korisne.
Tokom dugog perioda istorije, novac je evoluirao do te mere da monetarno dobro može imati vrednost, a da to dobro ne služi za bilo koju drugu ‘suštinsku’ upotrebu, poput hrane ili energije. Umesto toga, njegova upotreba je zaliha vrednosti i jednostavna zamena za drugu robu u bilo kom trenutku koji poželite.
Šta jedno dobro čini poželjnijim i prodajnijim od drugog dobra?
Deljivost
Definicija: Sposobnost podele dobra na manje količine.
Loš Primer: Dijamante je teško podeliti na manje komade. Za zajednicu od hiljada ljudi koji dnevno izvrše milione transakcija, dijamanti čine loše sredstvo razmene. Previše su retki i nedeljivi da bi se koristili za mnoge transakcije.
Potrebno je puno obuke da bi izrezali dijamant.
Ujednačenost
Definicija: Sličnost pojedinačnih jedinica odredjenog dobra.
Loš Primer: Krave nisu ujednačene – neke su veće, neke manje, neke bolesne, neke zdrave. Sa druge strane, unca čistog zlata je jednolična – jedna unca je potpuno ista kao sledeća. Ovo svojstvo se takođe često naziva zamenljivost.
Svaka je jedinstvena na svoj način.
Prenosivost
Definicija: Lakoća transporta dobra.
Loš Primer: Krava nije baš prenosiva. Zlatnici su prilično prenosivi. Papirne novčanice su još prenošljivije. Knjiga u kojoj se jednostavno beleži vlasništvo nad tim vrednostima (poput Rai kamenog sistema ili digitalnog bankovnog računa) je neverovatno prenosiva, jer nema fizičkog dobra koje treba nositi sa sobom za kupovinu. Postoji samo sistem za evidentiranje vlasništva nad tim vrednostima u nematerijalnom obliku.
Novac star 5000 godina VS novac star 13 godina
Kako dobro postaje sredstvo razmene?
Dobra postaju, i ostaju sredstva razmene zbog svoje univerzalne potražnje, takođe poznate kao njihova prodajnost, čemu pomažu svojstva koja su gore nabrojana.
Mnogo različitih dobara mogu u različitoj meri delovati kao sredstva razmene u ekonomiji. Danas, naša globalna ekonomija koristi valute koje izdaju države, zlato, pa čak i robu poput nafte kao sredstvo razmene.
Šta je obračunska jedinica?
Stvari se komplikuju kada u ekonomiji postoji mnogo robe koja se prodaje. Čak i sa samo 5 dobara, postoji 10 “kurseva razmene” između svake robe kojih svi u ekonomiji moraju da se sete: 1 svinja se menja za 15 pilića, 1 pile se menja za 15 litara mleka, desetak jaja se menja za 15 litara mleka, i tako dalje. Ako ekonomija ima 50 dobara, među njima postoji 1.225 “kurseva razmene”!
Sredstvo za merenje vrednosti
Zamislite obračunsku jedinicu kao sredstvo za merenje vrednosti. Umesto da se sećamo vrednosti svakog dobra u poredjenju sa drugim dobrima, mi samo treba da se setimo vrednosti svakog dobra u poredjenju sa jednim dobrom – obračunskom jedinicom.
Umesto da se setimo 1.225 kurseva razmene kada imamo 50 proizvoda na tržištu, mi treba da zapamtimo samo 50 cena.
Na primer, ne treba da se sećamo da litar mleka vredi 1/15 piletine ili desetak jaja, možemo da se samo setimo da litar mleka košta 1USD.
Mnogo opcija, sve u istoj obračunskoj jedinici.
Poređenje dobara je lakše sa obračunskom jedinicom
Obračunska jedinica takođe olakšava upoređivanje vrednosti i donošenje odluka. Zamislite da pokušavate da kupite par Nike Air Jordan patika kada ih jedan prodavac prodaje za jedno pile, a drugi za 50 klipova kukuruza.
Šta je zaliha vrednosti?
Do sada smo gledali samo primere transakcija koje se odvijaju u određenom trenutku u vremenu.
Međutim, ljudi vrše transakcije tokom vremena – oni štede novac i troše ga kasnije. Da bi odredjeno dobro moglo da funkcioniše pravilno kao monetarno dobro, ono treba da održi vrednost tokom vremena.
Novac koji vremenom dobro drži vrednost daje njegovom imaocu više izbora kada će taj novac da potroši.
To znači da prodajnost dobra uključuje njegovu sposobnost da održi vrednost tokom vremena.
Šta jedno dobro čini boljom zalihom vrednosti od drugog dobra?
Trajnost
Definicija: Sposobnost dobra da vremenom zadrži svoj oblik.
Loš Primer: Jagode čine lošu zalihu vrednosti jer se lako oštete i brzo trunu.
Nije sjajna forma novca.
Odluka je daleko lakša ako jedan prodavac naplaćuje 150 USD, a drugi 200 USD – odmah je očigledno koja je bolja ponuda jer su vrednosti izražene u istoj jedinici.
Teške za Proizvodnju
Definicija: Teškoće koje ljudi imaju u proizvodnji veće količine dobra.
Loš Primer: Papirne novčanice predstavljaju lošu zalihu vrednosti jer banke i vlade mogu jeftino da ih naprave.
Sa zlatom je suprotno – u ponudi se nalazi ograničena količina uprkos velikoj potražnji za njim, jednostavno zato što ga je vrlo teško iskopati iz zemlje. Ova ograničena ponuda osigurava da svaka jedinica zlata održi vrednost tokom vremena.
Traženje zlata je spora i teška aktivnost. Obično se ne pronađe puno!
Kako dobra postaju zalihe vrednosti?
Dobro postaje zaliha vrednosti ako se vremenom pokaže trajnim i teškim za proizvodnju.
Samo će vreme pokazati da li je neko dobro zaista trajno i da li ga je teško proizvesti. Zbog toga neki oblici novca su postojali vekovima pre nego što je neko otkrio način da ih proizvede više, i na kraju se to dobro više nije koristilo kao novac.
Ovo je priča o školjkama, Rai kamenju i mnogim drugim oblicima novca tokom istorije.
Zlato je primer dobra koje je hiljadama godina služilo kao dobra zaliha vrednosti. Zlato se ne razgrađuje tokom vremena i još uvek ga je teško proizvesti. Hiljadama godina alhemičari su bezuspešno pokušavali da sintetišu zlato iz jeftinih materijala.
Čak i sa današnjim naprednim rudarskim tehnikama, svake godine svi svetski rudnici zlata zajedno mogu da proizvedu samo 2% od ukupne ponude zlata u prometu.
Teškoće u proizvodnji zlata daju izuzetno visok odnos “zaliha i protoka”: zaliha je broj postojećih jedinica, a protok su nove jedinice stvorene tokom određenog vremenskog perioda. Svake godine se stvori vrlo malo novih jedinica zlata, iako je potražnja za zlatom obično vrlo velika.
Kombinujući ovo sa deljivošću, ujednačenošću i prenosivošću zlata, nije ni čudo što je zlato čovečanstvu služilo kao monetarno dobro tokom poslednjih 5.000 godina. Pošto je zlato teško proizvesti, možemo ga nazvati teškim novcem (hard money).
Kao rezultat toga, svoju vrednost je u velikoj meri zadržao kroz milenijume. Cena većine dobara i usluga u pogledu zlata zapravo se vremenom smanjivala kao rezultat tehnoloških inovacija, koje sve proizvode čine jeftinijim.
Uzmimo na primer cene hrane prema praćenju Kancelarije za hranu i poljoprivredu UN-a: sa obzirom na skokove u poljoprivrednoj tehnologiji tokom poslednjih 60 godina, cene hrane drastično su pale kada se procenjuju u zlatu. To čak i važi uprkos činjenici da obični ljudi retko koriste zlato za kupovinu stvari.
Cene hrane su padale u pogledu zlata tokom proteklih 60 godina, i mnogo pre toga (FAO Indeks Cena Hrane u Zlatu)
Zaliha vrednosti omogućava ljudima da uštede novac kako bi mogli da ga ulažu u pokretanje preduzeća i obrazovanje, povećavajući produktivnost društva.
Monetarna dobra koja dobro čuvaju vrednost takođe podstiču dugoročniji pogled na život, ili kratke vremenske preference. Pojedinac može da radi 10 godina, uštedi odredjeno monetarno dobro koje je dobra zaliha vrednosti, i nema potrebe da se plaši da će njegova ušteđevina biti izbrisana krahom tržišta ili povećanjem ponude tog dobra.
Zašto su važne funkcije novca?
Kada neki oblik novca izgubi bilo koju od svojih važnih funkcija kao što su sredstvo razmene, obračunska jedinica i zaliha vrednosti, celokupna ekonomija i društvo mogu da se rastrgnu.
Tokom istorije često vidimo grupe ljudi koje eksploatišu druge iskorišćavajući nesporazume o novcu i važnosti njegovih funkcija.
Sledeće, proći ću kroz istoriju novca, prvo hipotetički da bih ilustrovao poentu, a zatim ću preći na stvarne istorijske primere. Kroz ove primere videćemo štetne efekte na društva u slučajevima kada se izgubi samo jedna od tih ključnih funkcija novca.
Novac Gubi Funkciju: Alhemičar iz Njutonije
Kroz istoriju, mnoga dobra su dolazila i odlazila kao oblici novca. Na žalost, kada se neki oblik novca ukine, ponekad postoji grupa ljudi koja eksploatiše drugi oblik manipulišući tim novcem.
Hajde da pogledamo hipotetičko selo zvano Njutonija da bismo razumeli kako dolazi do ove eksploatacije.
Zelene perle postaju Novac
Tokom stotina godina ribolova u obližnjoj reci, stanovnici Njutonije sakupljali su zelene perle iz vode. Zrnca su mala, lagana, izdržljiva, jednolična i retko se pojavljuju u reci. Ljudi prvo priželjkuju perle zbog svoje lepote. Na kraju, seljani shvataju da svi drugi žele perle – one se vrlo lako mogu prodati. Zrnca uskoro postaju sredstvo razmene i obračunska jedinica u selu: pile je 5 zrna, vreća jabuka 2 zrna, krava 80 zrna.
Ukupna ponuda perli je prilično konstantna i cene se vremenom ne menjaju mnogo. Seoski starešina je uveren da može da se opustiti u poslednjim danima živeći od svoje velike zalihe perli.
Alhemičar stvara više perli
Seoski alhemičar je poželeo da bude bogat čovek, ali nije voleo da vredno radi na tome. Umesto da traži perle u reci ili da prodaje vrednu robu drugim seljanima, on sedeo je u svojoj laboratoriji. Na kraju je otkrio kako da lako stvori stotine perli sa malo peska i vatre.
Seljani koji su tragali za perlama u reci bili su srećni ako bi svaki dan pronašli po 1 zrno. Alhemičar je mogao da proizvede stotine uz malo napora.
Alhemičar troši svoje perle
Budući da je bio prilično zao, alhemičar nije svoj metod pravljenja zrna delio ni sa kim drugim. Stvorio je sebi još više perli i počeo da ih troši za dobra na tržištu u Njutoniji. Tokom sledećih meseci, alhemičar je kupio farmu pilića, nekoliko krava, finu svilu, posteljine i ogromno imanje. On je imao priliku da kupi ova dobra po normalnim cenama na tržištu.
Alhemičarevo trošenje ostavljalo je seljanima mnogo perli, ali malo njihove vredne robe.
Svi seljani su se osećali bogatima – imali su tone perli! Međutim, polako su primetili da i svi ostali takodje imaju tone.
Cene počinju da rastu
Uzgajivač pilića primetio je da sva roba koju je trebalo da kupi na pijaci poskupela. Džak jabuka sada se prodaje za 100 perli – 50 puta više od njihove cene pre nekoliko meseci!
Iako je sada imao hiljade perli, uskoro bi mogao da ostane bez njih zbog ovih cena. Pitao se – da li zaista može sebi da priušti da prodaje svoje piliće za samo 5 perli po komadu? Morao je i on da podigne svoje cene.
Jednostavno rečeno, kao rezultat alhemičarevog trošenja njegovih novostvorenih perli, bilo je previše perli koje su jurile premalo dobara – pa su cene porasle.
Kupci robe bili su spremni da potroše više perli da bi kupili potrebna dobra. Prodavci robe su trebali da naplate više da bi bili sigurni da su zaradili dovoljno da kupe potrebna dobra za sebe.
Budući da su cene svih dobara porasle, možemo reći da se vrednost svake perle smanjila.
Nejednakost bogatstva raste
Seoski starešina, koji je vredno radio da sačuva hiljade perli, sada se našao osiromašenim i gladnim. U međuvremenu, alhemičar je udobno sedeo na svom velikom imanju sa kravama, pilićima i slugama koji su se brinuli za svaki njegov hir.
Alhemičar je efikasno ukrao bogatstvo celog sela, tako što je jeftino proizvodio perle i koristio ih za kupovinu vredne robe.
Ono što je najvažnije, kupio je robu pre nego što je tržište shvatilo da je više perli u opticaju i da ima manje robe, što je dovelo do rasta cena. Ova dodatna proizvodnja perli nije dodala korisnu robu ili usluge selu.
Eksploatacija pomoću Novca: Agri Perle
Nažalost, priča o alhemičaru iz Njutonije nije u potpunosti hipotetička. Ovaj prenos bogatstva kroz stvaranje novca ima istorijske i moderne presedane.
Na primer, afrička plemena su nekada koristila staklene perle, poznate kao “agri perle”, kao sredstvo razmene. U to vreme plemenskim ljudima je bilo veoma teško da prave staklene perle, i one su predstavljale težak novac unutar njihovog plemenskog društva.
Niko nije mogao jeftino da proizvede perle i koristiti ih za kupovinu skupe, vredne robe poput kuća, hrane i odeće.
Perle proizvedene u Gani
Sve se promenilo kada su stigli Evropljani, i primetili upotrebu staklenih perli kao novca.
U to vreme, Evropljani su mogli jeftino da stvaraju staklo u velikim količinama. Kao rezultat toga, Evropljani su počeli tajno da uvoze perle i koriste ih za kupovinu dobara, usluga i robova od Afrikanaca.
Peć za izradu stakla u Muranu, Italija. Ovo ostrvo izvan Venecije proizvodi staklo od 15. veka.
Vremenom se iz Afrike izvlačila vredna roba i ljudi, dok je plemenima ostajalo mnogo perli i malo robe.
Perle su izgubile veći deo vrednosti zbog inflacije uzrokovane snabdevanjem od strane Evropljana.
Rezultat je bio osiromašenje afričkih plemena i bogaćenje Evropljana, kako to ovde objašnjava monetarni istoričar Bezant Denier.
Dragocena roba je kupljena jeftino proizvedenim monetarnim dobrom.
Profitiranje na proizvodnji novca: Emisiona dobit
Ova priča ilustruje kako se bogatstvo prenosi kada jedna grupa može jeftino da proizvodi monetarno dobro.
Razlika između troškova proizvodnje monetarnog dobra i vrednosti tog monetarnog dobra poznata je kao emisiona dobit, eng. seignorage.
Kada je monetarno dobro mnogo vrednije od troškova proizvodnje, ljudi će proizvesti više od monetarnog dobra da bi uhvatili profit od emisione dobiti.
Na kraju će ova povećana ponuda dovesti do pada vrednosti monetarnog dobra. To je zbog zakona ponude i potražnje: kada se ponuda povećava, cena (poznata i kao vrednost) dobra opada.
Novac Gubi Funkciju 2. Deo: Kejnslandski Bankar
U priči o Njutoniji, alhemičar je otkrio način da se od malo peska jeftino stvori više zelenih perli. To se u stvarnosti odigralo kroz trgovinu između Evropljana i Afrikanaca, pričom o agri perlama. Međutim, ove priče su pomalo zastarele – mi više ne trgujemo robom za perle.
Da bismo nas doveli do modernog doba, hajde da promenimo neka imena u našoj priči:
- Selo Njutonija postaje država koja se zove Kejnsland
- Alhemičar postaje bankar
- Seoski starešina postaje penzioner
- Zelene perle postaju zlato, koje niko ne može jeftinije da stvori – čak ni bankar.
Bankar Menja Papirne Novčanice za Zlato
Kao i u stvarnosti, bankar u ovoj priči nema formulu ili trik da stvori više zlata. Međutim, bankar bezbedno čuva zlato u vlasništvu svakog građanina Kejnslanda. Bankar daje svakom građaninu po jednu potvrdu za svaku uncu zlata koje ima u svom trezoru.
Te potvrde se mogu iskoristiti u bilo koje vreme za stvarno zlato. Papirne potvrde ili novčanice su mnogo pogodnije za plaćanje nego nošenje zlata kroz supermarket.
Građani su srećni – oni imaju prikladno sredstvo plaćanja u vidu bankarevih novčanica, i znaju da niko ne može da ukrade njihovo bogatstvo falsifikujući više zlata.
Građani na kraju počinju da plaćaju u potpunosti papirnim novčanicama, ne trudeći se nikad da zamene svoje novčanice za zlato. Na kraju, novčanice postaju “dobre kao i zlato” – svaka predstavlja fiksnu količinu zlata u bankarevom trezoru.
Ukupno kruži 1.000.000 novčanica, od kojih je svaka otkupljiva za jednu uncu zlata. 1.000.000 unci zlata sedi u bankarevom trezoru. Svaka novčanica je u potpunosti podržana u zlatu.
Starešina koji je sačuvao sve svoje perle u priči o Njutoniji sada je penzioner u Kejnslandu, koji svoje zlato drži u banci i planira da ugodno živi od novčanica koje je dobio zauzvrat.
Hajde da u ovu priču dodamo i novi lik: premijera Kejnslanda. Premijer naplaćuje porez od građana i koristi ga za plaćanje javnih usluga poput policije i vojske. Premijer takođe drži vladino zlato kod bankara.
Bankar Menja Papirne Novčanice za Dug
Premijer želi da osigura da nacionalno zlato ostane na sigurnom, pa banku štiti policijom. Bankar i premijer se zbog toga zbližavaju, pa premijer traži uslugu. Traži od bankara da kreira 200.000 novčanica za premijera, uz obećanje da će mu premijer vratiti za pet godina. Premijeru su novčanice potrebne za finansiranje rata. Građani Kejnslanda borili su se protiv većih poreza zbog finansiranja rata, pa je morao da se obrati bankaru.
Bankar se slaže da izradi novčanice, ali pod jednim uslovom: bankar uzima deo od 10.000 novčanica za sebe. Premijer prihvata posao kojim bankar ’kupuje državni dug’. Sada je u opticaju 1.200.000 novčanica, potpomognutih kombinacijom 1.000.000 unci zlata i ugovorom o dugu sa vladom za 200.000 novčanica.
Premijer troši svoje nove novčanice na bombe kupujući ih od dobavljača iz domaće vojne industrije, a bankar sebi kupuje veliki luksuzni stan.
Dobavljač iz vojne industrije koristi sve nove novčanice koje je dobio od premijera da kupi amonijum nitrat (đubrivo koje se koristi u bombama) za proizvodnju bombi. Sve njegove kupovine povećavaju cenu đubriva za uzgajivače pšenice u Kejnslandu, pa oni podižu cenu pšenice.
Kao uzrok toga, pekar koji kupuje pšenicu treba da podigne cenu svog hleba da bi ostao u poslu. Na taj način cene u Kejnslandu počinju da rastu, baš kao što su to činile u Njutoniji kada su nove perle ušle u opticaj.
Papirne Novčanice Više Ne Predstavljaju Zlato
Penzioner nailazi na finansijski časopis u kojem se pominje premijerov dogovor da se zaduži za finansiranje rata. Obzirom da je mudar, on zna da bombe loše vraćaju ulaganje i sumnja da će premijer ikada da vrati svoj dug.
Ako on ‘podmiri’ svoj dug, to bi ostavilo 1.200.000 novčanica u opticaju sa samo 1.000.000 unci zlata da bi ih podržalo, obezvređujući njegovu ušteđevinu. Već oseća stisak u džepu zbog porasta cena, i on odlučuje da se uputi u lokalnu banku i preda svoje novčanice i zameni ih za zlato, koje niko ne može da napravi u većoj količini.
Kada penzioner stigne u banku, on zatiče i mnoge druge okupljene oko banke. Svi oni se nadaju da će uzeti zlato koje predstavljaju njihove novčanice. Građani Kejnslanda sa pravom se plaše da njihove novčanice gube na vrednosti – oni to već osećaju zbog porasta cena.
Vrata su zaključana, sa obaveštenjem bankara na njima:
Po nalogu premijera, onom koji se plaši za stabilnost ove bankarske institucije, ova banka više neće podržavati konvertibilnost papirnih novčanica u zlato. Hvala vam!
Gomila se razilazi, ostavljena sa jednim izborom: da zadrže svoje novčanice, koje sada vrede manje od 1 unce zlata. Građani sa dovoljno finansijske stabilnosti odlučuju da ulože svoje novčanice u kupovinu akcija banke i kompanija vojne industrije, koje dobro posluju jer mogu da kupuju stvari pre nego što se povećaju tržišne cene.
Mnogi ljudi nisu u mogućnosti da investiraju – oni moraju da gledaju kako njihove zarade stagniraju i kako njihova ušteđevina polako ali sigurno gubi vrednost.
Penzioner, koji se nadao da će živeti od novčanica koje je zaradio tokom svojih 40 radnih godina, sada 40 sati nedeljno provodi iza kase u lokalnoj prodavnici, pitajući se gde je sve pošlo po zlu.
Dug Nikada Nije Otplaćen
Prošlo je nekoliko godina, a premijerov dug prema banci dolazi na naplatu. Budući da je potrošio svih 200.000 novčanica na bombe, koje nemaju baš dobar povraćaj ulaganja, on nema novčanice koje može da vrati banci. Plus, premijer želi da kupi još bombi za svoj rat.
Bankar uverava premijera da je sve u redu. Bankar će napraviti novi ugovor o dugu za 600.000 novčanica, koji bi trebao da stigne na naplatu u narednih 5 godina. Premijer može da iskoristi 200.000 od tih novih 600.000 novčanica da vrati svoj prvobitni dug prema banci, zadrži još 300.000 da kupi još bombi i da 100.000 bankaru da bi mu platio njegove usluge.
To nastavlja da se dešava – svaki put kada dug dospeva na naplatu, bankar stvara više novčanica za vraćanje starijih dugova i daje premijeru još više novca za trošenje. Ovaj ciklus se nastavlja.
Šta se dešava u Kejnslandu?
- Oni koji prvi dobiju nove novčanice, gledaju kako se njihovo bogatstvo povećava
- To uključuje bankara, premijera, vladu i sve one koji mogu da pristupe mogućnostima za investiranje u preduzeća koja prva dobiju nove novčanice (finansijske, vojne itd.).
- Cene roba rastu
- Cene se ne povećavaju ravnomerno – one se povećavaju gde god nove novčanice prvo uđu u ekonomiju i od tog trenutka imaju efekat talasa na tržišta. U našem primeru prvo raste cena amonijum nitrata, zatim cena pšenice, pa cena hleba. A tek na kraju zarade običnih ljudi.
- Štednja i životni standard opšte populacije se smanjuju
- Najviše pate oni koji žive od plate do plate i ne mogu da ulažu. Čak i oni koji su u mogućnosti da investiraju podložni su hirovima tržišta. Mnogi su prisiljeni da prodaju svoje investicije po niskim cenama tokom pada tržišta samo da bi platili svoje dnevne potrebe.
- Razlika u prihodima i bogatstvu između bogatih i siromašnih se povećava
- Bogatstvo opšte populacije se smanjuje, dok se bogatstvo onih koji su blizu mesta gde se troše nove novčanice povećava. Rezultat je disparitet koji se vremenom samo proširuje.
Da li nas novac danas eksploatiše?
Priča o Njutoniji i stvarna priča o agri perlama u Africi deluju pomalo zastarelo. Priča o Kejnslandu, međutim, deluje neobično poznato. U našem svetu cene robe uvek rastu, i vidimo rekordne nivoe nejednakosti u bogatstvu.
U poslednjem odeljku ovog našeg članka Šta je novac, proći ću kroz nastanak bankarstva i korake koji su bili potrebni da se dođe do današnjeg sistema, gde banke i vlade sarađuju u kontroli ekonomije i samog novca.
Šta su banke, i odakle su one došle?
Pojava bankarstva verovatno se dogodila da bi olakšala poljoprivrednu trgovinu i da bi povećala pogodnosti. Iako su se mnoga društva na kraju konvergirala ka upotrebi zlata i srebra kao novca, ovi metali su bili teški i opasni za nošenje kao tovar. Međutim, u mnogim slučajevima ih nije ni trebalo prevoziti. Uzmite ovaj primer:
Grad treba da plati poljoprivrednicima na selu za žito, a poljoprivrednici gradskoj vojsci za zaštitu od varvara. U ovom dogovoru zlato se kreće u oba smera: prema poljoprivrednicima u selu kako bi im se platilo žito, i nazad u grad da bi se platila vojska. Da bi olakšali ove transakcije, preduzetnici su stvorili koncept banke. Banka je zlato čuvala u sigurnom trezoru i izdavala novčanice od papira. Svaka priznanica je predstavljala potvrdu da njen imaoc poseduje određenu količinu zlata u banci. Imaoc novčanice je u svako doba mogao da uzme svoje zlato nazad vraćanjem te novčanice banci.
Korisnici banke mogli su lakše da trguju sa novčanicama od papira, i onaj koji poseduje novčanice mogao je da preuzme njihovo fizičko zlato u bilo kom trenutku. To je te novčanice učinilo “dobrim kao i zlato”.
Banke su izdržavale svoje poslovanje naplaćujući od kupaca naknadu za skladištenje zlata ili pozajmljivanjem dela zlata i zaračunavanjem kamata na njega. Trgovina na ovaj način je mogla da se odvija sa laganim novčanicama od papira umesto sa teškim vrećama zlatnika.
Ovakva praksa sa transakcijama, korišćenjem papirne valute potpomognute monetarnim dobrima, verovatno je započela u Kini u 7. veku.
Na kraju se proširila Evropom 1600-ih, a svoj zalet dobila je u Holandiji sa bankama poput Amsterdamske Wisselbanke. Novčanice Wisselbank-e često su vredele više od zlata koje ih je podržavalo, zbog dodane vrednosti njihovih pogodnosti.
Uspon nacionalnih ‘centralnih banaka’
Tokom vekova, zlato je počelo da se sakuplja u trezorima banaka, jer su ljudi više voleli pogodnosti transakcija sa novčanicama.
Na kraju, nacionalne banke u vlasništvu vlada preuzele su ulogu čuvanja zlata od privatnih banaka koje su započeli preduzetnici.
Nacionalne papirne valute potpomognute zlatnim rezervama u nacionalnim bankama zamenile su novčanice iz privatnih banaka. Sve nacionalne valute bile su jednostavno potvrde za zlato koje se nalazilo u trezoru nacionalne banke.
Ovaj sistem je poznat kao zlatni standard – sve valute su jednostavno predstavljale različite težine zlata.
U gornjem levom uglu novčanice možete videti da piše da je novčanica “zamenljiva za zlato”. Savremeni dolari nemaju ovaj natpis, ali inače izgledaju vrlo slično. Izvor
Zlatni sistem je postojao veći deo vremena, sve do Prvog svetskog rata. Vladama je bilo teško da prikupe novac za ovaj rat putem poreza, pa su morale da budu kreativne.
Kada vlade troše više nego što zarađuju na porezima, to se naziva deficitna potrošnja.
Kako vlade mogu ovo da urade? Vlade to rade tako što pozajmljuju novac prodavajući svoj dug.
Tokom Prvog svetskog rata, vlade su građanima i preduzećima prodavale vrstu duga koja se naziva ratna obveznica. Kada građanin kupi ratnu obveznicu, on preda svoj novac vladi i dobije papir u kojem je stajalo vladino obećanje da će vlasniku obveznice vratiti novac, plus kamate, za nekoliko godina.
Plakat koji obaveštava građane, tražeći od njih da kupe ratne obveznice – što predstavlja zajam vladi. Izvor
Centralne banke ‘monetizuju’ državni dug
Međutim, građani i preduzeća nisu bili voljni da kupe dovoljno ratnih obveznica za finansiranje Prvog svetskog rata.
Vlade se nisu predale – pa su zatražile od svojih nacionalnih ‘centralnih banaka’ da one kupe ove obveznice. Centralne banke su otkupile obveznice, ali ih nisu platile valutom potpomognutom postojećim zlatnim rezervama, kao što su to činili građani i banke prilikom kupovine obveznica.
Centralne banke su umesto toga davale vladi novu, sveže štampanu papirnu valutu potpomognutu samo obveznicom. Ovu valutu podržalo je samo obećanje da će im vlada vratiti dugove. Ovo je poznato kao monetizacija duga.
Budući da su ratne obveznice i valuta samo komadi papira, one su lake i jeftine za proizvodnju i mogu se napraviti u ogromnim količinama. Ono što ograničava proizvodnju i jednog i drugog je poverenje.
Ima smisla da se neko rastane od svog teško stečenog novca da kupi državnu obveznicu, samo ako veruje da će vlada da vrati svoj dug, plus kamate. Centralna banka je “krajnji kupac”, što znači da će ona da kupi državne obveznice kada to niko drugi neće da uradi.
Zapamtite, centralnu banku gotovo da ništa ne košta da kupi državne obveznice, jer oni sami štampaju valutu da bi ih kupili.
Zamislite da pridjete najskupljem automobilu u autosalonu – koji košta 100.000 USD. Mislite da je automobil lep, ali taj novac biste radije potrošili na lepši stan – tako da ste spremni da platite samo 40.000 USD za taj auto.
Sada, hajde da zamislimo da imate štampač za novac i da vas košta samo 50 USD za mastilo i papir da bi ištampali 1.000.000 USD. Vi biste odmah kupili auto, čak i ako biste morali da se cenkate sa drugim čovekom, i da ga na kraju platite 150.000 USD!
Ista stvar se dešava kada centralna banka kupuje obveznice (dugove) od vlade. Centralna banka može da stvori valutu toliko jeftino, da su spremni da plate i više nego što bi drugi platili ove obveznice i nastaviće da ih kupuju čak i kada niko drugi ne bude želeo.
Monetizacija duga uzrokuje inflaciju
Kada centralne banke monetizuju državni dug, funkcija novca kao zalihe vrednosti počinje da se nagriza. Vlada troši novi novac koji je dobila od svoje centralne banke na ratnu robu, obroke i još mnogo toga.
Cene roba rastu od ove novoštampane valute koja kruži kroz ekonomiju. Kada se cene povećavaju, to znači da se vrednost svake jedinice valute smanjuje. Svi koji drže valutu sada imaju manje vrednosti. Danas to nazivamo sporim gubitkom funkcije zalihe vrednosti u novčanoj inflaciji.
Za Nemačku nakon Prvog svetskog rata monetizacija duga izazvala je totalni slom Nemačke ekonomije i stvorila uslove za rast fašizma.
Kao deo sporazuma o prekidu vatre koji je okončao Prvi svetski rat, Nemačka je pobednicima morala da plati ogroman novac. Nemačkoj vladi je bio preko potreban novac, pa su prodale obveznice (dug) Rajhsbanci, nemačkoj centralnoj banci.
Ovaj postupak doveo je do toga da je vlada štampala toliko maraka (tadašnja nemačka valuta) da je tempo inflacije u Nemačkoj ubrzan u hiperinflaciju početkom 1920-ih. Cena vekne hleba za samo 4 godine popela se sa 1,2 marke na 428 biliona maraka.
Tokom i posle Prvog svetskog rata, SAD, Britanija, Francuska i mnoge druge vlade pratile su Nemačku u štampanju valute potpomognute državnim dugom.
To je dovelo do toga da su građani želeli da svoju papirnu valutu zamene za zlato, baš kao i penzioner iz priče o Kejnslandu.
Međutim, mnoge vlade su suspendovale konvertibilnost svojih valuta u zlato. Ovim potezom vlade su primorale svoje građane da drže nacionalnu papirnu valutu i gledaju kako se njihova ušteda smanjuje u vrednosti.
Da bi mogle da nastave da štampaju novac i da bi ga trošile na nepopularne programe za koje nisu mogle da skupljaju poreze za finansiranje – poput ratova.
Bretton Woods: Novi monetarni sistem
Nakon razaranja koja su donela dva svetska rata, vlade su uspostavile novi globalni monetarni sistem prema Bretton Woods-ovom sporazumu iz 1944. godine.
Prema ovom sporazumu, valuta svake države konvertovala se po fiksnom kursu sa američkim dolarom. Američki dolar je zauzvrat predstavljao zlato po stopi od 35 USD za jednu trojsku uncu zlata*.
Sve globalne valute su stoga još uvek bile jednostavna reprezentacija zlata, putem američkih dolara kao posrednika. Redovni građani više nisu mogli da otkupljuju svoje valute za zlato iz Sjedinjenih Država. Međutim, strane centralne banke mogle bi da dođu u Sjedinjene Države da bi zamenile dolare za zlato po stopi od 35 USD za jednu uncu zlata.
Međutim, vlada Sjedinjenih Država nije uvek držala dovoljno zlata da podrži sve dolare u opticaju. Američka vlada nastavila je da finansira proširene socijalne i vojne programe prodajom državnog duga svojoj centralnoj banci, Federalnim rezervama, koja je povećala ponudu dolara bez povećanja ponude zlata koja podupire te dolare.
*Trojna unca je standardna mera čistog zlata i ima malo veću težinu od normalne unce.
Propast Bretton Woods-a
Tokom 1970-ih, sve veći troškovi rata u Vijetnamu i stranih vlada koje su otkupljivale svoje dolare za zlato, stvorili su pritisak na Trezor Sjedinjenih Država.
Ponuda dolara je porasla, dok je zlato u posedu Sjedinjenih Država opalo. Od 1950. pa do početka 1970-ih, rezerve zlata koje je držala vlada Sjedinjenih Država smanjile su se za više od 50%, sa 20 metričkih tona na samo 8 metričkih tona.
Godine 1970. država je imala zlata u vrednosti od samo 12 biliona dolara po zvaničnom kursu od 35 dolara za trojsku uncu zlata. Tokom ovog istog vremenskog perioda, ukupna ponuda američkih dolara otišla je sa oko 32 biliona USD na skoro 70 biliona USD.
Zvanične rezerve zlata u SAD-u su naglo padale od 1950. do 1970. godine, dok su se dolari u opticaju povećavali. Izvor: Wikipedia, DollarDaze.org
Američka vlada nije bila u stanju da potkrepi dolare zlatom od 35 dolara po trojnoj unci, što dovelo do rizika za čitav globalni monetarni sistem.
Početkom sedamdesetih godina, trojna unca zlata trebala je da vredi 200 USD da bi u potpunosti podržala sve američke dolare u opticaju. Rečeno na drugi način, Sjedinjene Države su pokušavale da kažu svetu da jedan dolar vredi 1/35 trojne unce zlata, ali u stvarnosti dolar je vredeo samo 1/200 trojne unce.
Kad su strane vlade trebale da pribave dolare za međunarodnu trgovinu i rezerve, bile su opelješene. Francuska vlada je to shvatila šezdesetih godina prošlog veka i počela je da prodaje svoje američke dolare za zlato po zvaničnom kursu od 35 dolara za trojsku uncu zlata.
Zemlje su počinjale da se bude iz šeme američke vlade. SAD su krale bogatstvo putem emisione dobiti, prodajući dolare za 1/35 trojne unce zlata, kada su vredeli samo 1/200 trojske unce.
Nixonov Šok ulazi u ’tradicionalni’ novac
Da bi kuća od karata mogla da ostane na mestu, predsednik Nixon je 1971. najavio da će američka vlada privremeno da obustavi konvertibilnost dolara u zlato.
Strane vlade više nisu mogle da polažu pravo na zlato svojim papirnim dolarima, a dolar više nije bio “poduprt” zlatom. Nixon je tvrdio da će ovo stabilizovati dolar.
50 godina kasnije, kristalno je jasno da je ovo samo pomoglo dolaru da izgubi vrednost i da ovaj “privremeni” program još uvek traje.
Pre 1971. godine, sve globalne valute bile su vezane za američki dolar putem Bretton Woods-ovog sporazuma. Kada je Nixon promenio američki dolar iz dolara podržanog u zlatu u dolar podržan dugom, ovim je promenio i svaku drugu valutu na Zemlji.
Sam je učinio da se celokupna svetska ekonomija zasniva na dugovima. Valute više nisu predstavljale zlato, već su predstavljale vrednost državnog duga.
Zlatni Standard se nikada nije vratio
Konvertibilnost američkih dolara u zlato – zlatni standard – nikada se nije vratio.
Od 1971. godine, čitav globalni monetarni sistem pokreće se tradicionalnim “fiat” valutama: poverenjem u vladine institucije da održavaju valutni sistem.
Većina valuta podržana je kombinacijom duga njihove vlade i drugih tradicionalnih valuta poput dolara i evra. Papirne valute više nisu podržane zlatom, imovinom koja je više od 5000 godina služila kao težak novac.
Danas vas vlade prisiljavaju da plaćate porez u njihovoj valuti i manipulišu saznanjima oko novca kako bi osigurale da potražnja za njihovom valutom ostane velika.
To im omogućava da neprestano štampaju više valuta, da bi je potrošili na vladine projekte, uzrokujući inflaciju cena koja jede i smanjuje bogatstvo i plate.
Američka vlada sada prodaje državne obveznice (dugove), poznate kao obveznice Trezora SAD, eng. US Treasuries, komercijalnim bankama u zamenu za američke dolare.
Vlada koristi te dolare za finansiranje svog budžetskog deficita. Komercijalne banke prodaju mnoge obveznice Trezora SAD, koje su kupile, američkoj centralnoj banci, Federalnim Rezervama.
Federalne rezerve plaćaju komercijalnim bankama sveže štampanim novcem “pomoću računara i upisivanjem količine na račun”, kako je rekao bivši predsednik Fed-a Ben Bernanke.
Ove komercijalne banke često zarađuju samo kupujući obveznice Trezora SAD od države i prodajući ih centralnoj banci. Kupujte nisko, prodajte visoko.
Centralne banke ovaj proces kupovine državnog duga – odnosno pozajmljivanja novca državi – nazivaju operacijama otvorenog tržišta.
Kada centralna banka odjednom kupi velike iznose duga, oni to nazivaju kvantitativnim ublažavanjem. Centralne banke javno najavljuju kupovinu državnog duga, ali vrlo malo ljudi razume šta to zapravo znači.
Euro, jen i svaka druga valuta koja se danas koristi funkcionišu slično kao američki dolar.
Da li će SAD ikada vratiti svoj nacionalni dug? Neobična stvar u vezi sa državnim dugom SAD-a je ta što vlada poseduje štampariju potrebnu za njegovu otplatu.
Kao rezultat toga, kada vlada duguje novac, oni samo pozajme još više novca da bi otplatile taj dug, povećavajući nacionalni dug.
Ako vam ovo zvuči kao Ponzijeva piramidalna šema, to je zato što ona to i jeste – najveća Ponzijeva šema u istoriji. Kao i svaka Ponzijeva šema, nastaviće se sve dok su ljudi koji kupuju Ponzijevu šemu budu uvereni da će im biti plaćeno nazad.
Ako ljudi i nacije prestanu da se zadužuju i koriste američke dolare jer nemaju poverenja u američku vladu ili vide da cena robe raste (tj. dolar postaje sve manje vredan), potražnja za dolarom će opadati, što će izazvati začaranu spiralu.
Ova spirala često završi u hiperinflaciji, kao što smo videli u novijoj istoriji sa Jugoslavijom, Venecuelom, Argentinom, Zimbabveom i mnogim drugim državama.
Ovo je način kako funkcioniše novac na vašem bankovnom računu. Novac svake nacije na svetu pati od istih problema kao i perle i novčanice u pričama o Njutoniji i Kejnslandu.
Kako banke i vlade kradu tvoj novac?
Tokom vekova, stigli smo do monetarnog sistema u kojem banke i vlade mogu da štampaju novu valutu za finansiranje svojih operacija i svojih prijatelja u zločinu, dok kradu bogatstvo svojih građana.
Šta će se desiti sa svetom kada novac bude mogao da štampa svaki narod na planeti?
- Bogatstvo onih koji su blizu pravljenja nove valute se povećava
- Vlada i politički povlašćena klasa ljudi, imaju pristup novoštampanom novcu pre svih ostalih, pa mogu da ga potroše pre nego što cene porastu. Na ovaj efekat pokazao je ekonomista Richard Cantillon sredinom 1700-ih i poznat je kao Cantillonov Efekat.
- Cena robe raste (poznato kao inflacija
- Ne raste sve roba istovremeno u ceni. Roba blizu mesta gde se proizvodi nova valuta – finansijski sektor i vlada – prva raste, i odatle uzrokuje efekt talasa na cene.
- Inflacija se često predstavlja kao promena cene potrošačke korpe, poznata kao Indeks Potrošačkih Cena, eng. Consumer Price Index (CPI). Vlada ima alate za manipulisanje ovim brojem kako bi osigurala da se ona čini niskom i stabilnom, kao što je objašnjeno u našem članku o inflaciji.
- Finansijska imovina često primećuje ogromnu inflaciju, ali bankari to ne nazivaju inflacijom – oni kažu da naša ekonomija cveta! Nakon što su američke Federalne rezerve učetvorostručile ponudu američkih dolara u šest godina nakon finansijske krize 2008. godine, banke koje su dobile te nove dolare, kupile su akcije i obveznice, stvarajući ogroman balon u cenama ove imovine.
- Štednja i životni standard stanovništva se smanjuju
- Plate su jedna od poslednjih “cena” u ekonomiji koja se prilagođava, jer se često povećavaju samo jednom godišnje. U međuvremenu, cene dnevnih potrepština te osobe koja zaradjuje platu neprestano rastu kako novi novac kruži ekonomijom.
- Najviše su pogođeni oni koji žive od plate do plate – a to je 70% Amerikanaca.
- Razlike u prihodima između bogatih i siromašnih se povećavaju, kao što se vidi na grafikonu ispod.
*Koncentracija dohotka na vrhu naglo je porasla od 1970-ih
Zašto i dalje imamo isti monetarni sistem?
Ako ovaj sistem bogate još više obogaćuje, a siromašne još više osiromašuje, dovodeći do političke nestabilnosti, zašto ga onda ne bismo promenili?
Najveći razlog zašto se ništa ne menja je verovatno to što puno toga ne znamo o samom sistemu. Svi svakodnevno koristimo valute svojih vlada, ali većina nas ne razume kako sistem funkcioniše i šta on čini našim društvima.
Obrazovni sistem, mediji i finansijski stručnjaci neprestano nam govore da je monetarni sistem previše komplikovan da bi ga normalni ljudi razumeli. Mnogi od nas se zato i ne trude da pokušaju.
Još nekoliko razloga zašto ovaj sistem nastavlja da opstaje:
- Mnogo je ljudi koji imaju direktnu korist od štampanja novog novca.
- Ti ljudi ne žele nikakve promene i bore se da zadrže tu moć.
- Nacionalne valute su često pogodne
- Kreditne kartice, online bankarstvo i još mnogo toga čine upravljanje nacionalnim valutama i njihovo trošenje lakim i jednostavnim.
- Građani moraju da plaćaju porez u svojoj nacionalnoj valuti
- To stvara potražnju za tom valutom od svih građana, povećavajući njenu vrednost.
- Glavna međunarodna tržišta, poput nafte, denominirana su u dolarima.
- Nafta je potrebna svakoj zemlji na planeti, ali pošto mnogi ne mogu da je proizvode, moraju da je kupuju na međunarodnim berzama. Od 1970-ih na ovim berzama gotovo sva nafta se prodaje za dolare, što stvara potražnju za dolarima. Da bi se odmaknule od ovog sistema, zemlje bi trebale da pronađu novu valutu ili robu za trgovinu naftom, što zahteva vreme i rizike.
- Nije postojala dobra alternativa
- Uz globalnu ekonomiju u realnom vremenu, naš sistem digitalnog bankarstva koji koristi nacionalne valute je pogodan. Transakcija u tvrdom novcu poput zlata bila bi previše nezgrapna za današnji svet. Digitalna valuta pod nazivom Bitcoin, predstavljena 2009. godine, je rastuća alternativa koja nudi čvrst novac koji se kreće brzinom interneta.
Šta je novac, i zašto trebate da brinete?
Novac je alat koji olakšava razmenu dobara. Kao i svako drugo dobro, novac se pridržava zakona ponude i potražnje – povećanje potražnje povećaće njegovu vrednost, a povećanje ponude smanjiće njegovu vrednost.
Na ovaj način novac se ne razlikuje od kuće ili piletine. Međutim, velika prodajnost novca znači da je potražnja za njim uvek velika. Kao rezultat, novac mora biti težak za proizvodnju (a samim tim i ograničen u ponudi) ili će ga onaj ko ga može napraviti, stvoriti toliko, da vremenom više neće služiti kao zaliha vrednosti. Uskoro će izgubiti svoje funkcije kao sredstvo razmene i obračunske jedinice.
Najbolji novac u datoj ekonomiji je onaj koji se najslobodnije kreće – svi ga žele, lako je obaviti transakcije sa njim i koji sa vremenom dobro drži svoju vrednost. Nijedan novac nije savršen u svemu ovome, a neki ističu jednu funkciju novca na štetu drugih.
Iako se istorija ne ponavlja, ona se rimuje, a usponi i padovi monetarnih sistema imaju jasne ritmove. Uspon i pad monetarnog sistema često sledi opšti obrazac koji smo videli u pričama o agri perlama i Kejnslandu: pojavljuje se odredjenji oblik novca koji pomaže ljudima da efikasnije trguju i štede, ali na kraju gubi na vrednosti kada neko shvati kako da ga jeftino stvori u velikoj količini. Međutim, tokom dugog perioda vremena, monetarni sistemi su se poboljšali u sve tri funkcije novca.
Na primer, zlato je tokom vremena dobro služilo kao zaliha vrednosti. Međutim, naša međusobno povezana ekonomija ne bi mogla efikasno da funkcioniše ako bi trebalo da fizičko zlato zamenimo robom i uslugama. Mnogo je lakše kretati se na papirnom i digitalnom novcu, ali istorija nam govori da su vlade i bankari iskoristili ove oblike novca za krađu bogatstva putem inflacije.
Današnji globalni monetarni sistem je vrlo zgodan, a digitalna plaćanja i kreditne kartice olakšavaju trošenje novca. Ovo skriva stalnu inflaciju koja nagriza vrednost svake jedinice novca i dovodi do sve većeg jaza u bogatstvu.
Nadam se da je ovaj članak proširio vaše razumevanje novca i njegove uloge u društvu. Ovo je samo početak svega što treba istražiti o novcu: za kasnije su sačuvane teme o inflaciji, kamatnim stopama, pozajmljivanju, poslovnim ciklusima i još mnogo toga.
Efikasnija Ušteda Novca
Možda se pitate kako zaštititi svoju štednju kada svaki oblik često korišćenog novca i investicija pati od inflacije ponude – koja umanjuje vrednost i prenosi bogatstvo onima koji mogu da stvore novac ili investiciju. Možda se čini da se ništa na planeti danas ne može kvalifikovati kao ‘težak’ novac, ali dve stvari ipak ostaju: zlato i njegov noviji rođak Bitcoin. Obe ove stvari je neverovatno teško proizvesti, a jedna od njih se kreće brzinom interneta i može se čuvati u vašem mozgu.
Ako želite da saznate više o Bitcoin-u kao sredstvu za zaštitu vaše ušteđevine, pročitajte ovde. Ako ste već spremni za kupovinu Bitcoin-a, pogledajte moj vodič za kupovinu Bitcoin-a. Možete početi sa investiranjem sa samo 5 ili 10 €.
Zasluge
Hvala svima koji su pomogli u izradi i uređivanju ove serije o novcu: @ck_SNARKS, @CryptoRothbard, Neil Woodfine, Emil Sandstedt, Taylor Pearson, Parker Lewis, Jason Choi, mojoj porodici i mnogim drugima.
Hvala svima koji su ovo inspirisali i razvili ključne ideje koje su ovde primenjene: Friedrich Hayek, Carl Menger, Ludwig Von Mises, Murray Rothbard, Saifedean Ammous, Dan Held, Pierre Rochard, Stephan Livera, Michael Goldstein, i mnogi drugi.
Molim vas da šerujete! Ako vam je ovaj članak otvorio oči o tome kako funkcioniše naš novac i finansijski sistem, kontaktirajte me ili ostavite komentar!
Ako vam se sviđa moj rad, molim vas da ga podelite sa svojim prijateljima i porodicom. Cilj mi je da svima pružim pogled u ekonomiju i na to kako ona utiče na njihov život.
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@ 2769f6ba:8dac44e4
2025-06-03 06:38:13To be blunt, people want “authority” to exist because they themselves are immature cowards. They want an all-powerful entity to impose their will upon others. This takes different forms in different varieties of political advocacy, but the basic motivation is always the same. The “liberal” for example, resents reality. He does not want a world in which suffering and injustice are possible. But instead of doing what He can as a human being, he wants a “Government” to do it for him. He wants some magical entity to make sure that everyone, himself included, is fed, housed, and taken care of, no matter how lazy or irresponsible they are. Instead of trusting human beings to take care of each other, he wants a super human ”authority” to guarantee housing, food, health care, and all sorts of other things, for everyone. He wants it so badly that he refuses to accept the obvious truth that no such guarantee is ever possible, and that if mere mortals do not take care of themselves and each other, nothing else will take care of them.
“The Most Dangerous Superstition” – Larken Rose, pg. 124
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@ cefb08d1:f419beff
2025-06-03 06:14:11https://stacker.news/items/995807
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@ e6817453:b0ac3c39
2024-12-07 14:54:46Introduction: Personal Knowledge Graphs and Linked Data
We will explore the world of personal knowledge graphs and discuss how they can be used to model complex information structures. Personal knowledge graphs aren’t just abstract collections of nodes and edges—they encode meaningful relationships, contextualizing data in ways that enrich our understanding of it. While the core structure might be a directed graph, we layer semantic meaning on top, enabling nuanced connections between data points.
The origin of knowledge graphs is deeply tied to concepts from linked data and the semantic web, ideas that emerged to better link scattered pieces of information across the web. This approach created an infrastructure where data islands could connect — facilitating everything from more insightful AI to improved personal data management.
In this article, we will explore how these ideas have evolved into tools for modeling AI’s semantic memory and look at how knowledge graphs can serve as a flexible foundation for encoding rich data contexts. We’ll specifically discuss three major paradigms: RDF (Resource Description Framework), property graphs, and a third way of modeling entities as graphs of graphs. Let’s get started.
Intro to RDF
The Resource Description Framework (RDF) has been one of the fundamental standards for linked data and knowledge graphs. RDF allows data to be modeled as triples: subject, predicate, and object. Essentially, you can think of it as a structured way to describe relationships: “X has a Y called Z.” For instance, “Berlin has a population of 3.5 million.” This modeling approach is quite flexible because RDF uses unique identifiers — usually URIs — to point to data entities, making linking straightforward and coherent.
RDFS, or RDF Schema, extends RDF to provide a basic vocabulary to structure the data even more. This lets us describe not only individual nodes but also relationships among types of data entities, like defining a class hierarchy or setting properties. For example, you could say that “Berlin” is an instance of a “City” and that cities are types of “Geographical Entities.” This kind of organization helps establish semantic meaning within the graph.
RDF and Advanced Topics
Lists and Sets in RDF
RDF also provides tools to model more complex data structures such as lists and sets, enabling the grouping of nodes. This extension makes it easier to model more natural, human-like knowledge, for example, describing attributes of an entity that may have multiple values. By adding RDF Schema and OWL (Web Ontology Language), you gain even more expressive power — being able to define logical rules or even derive new relationships from existing data.
Graph of Graphs
A significant feature of RDF is the ability to form complex nested structures, often referred to as graphs of graphs. This allows you to create “named graphs,” essentially subgraphs that can be independently referenced. For example, you could create a named graph for a particular dataset describing Berlin and another for a different geographical area. Then, you could connect them, allowing for more modular and reusable knowledge modeling.
Property Graphs
While RDF provides a robust framework, it’s not always the easiest to work with due to its heavy reliance on linking everything explicitly. This is where property graphs come into play. Property graphs are less focused on linking everything through triples and allow more expressive properties directly within nodes and edges.
For example, instead of using triples to represent each detail, a property graph might let you store all properties about an entity (e.g., “Berlin”) directly in a single node. This makes property graphs more intuitive for many developers and engineers because they more closely resemble object-oriented structures: you have entities (nodes) that possess attributes (properties) and are connected to other entities through relationships (edges).
The significant benefit here is a condensed representation, which speeds up traversal and queries in some scenarios. However, this also introduces a trade-off: while property graphs are more straightforward to query and maintain, they lack some complex relationship modeling features RDF offers, particularly when connecting properties to each other.
Graph of Graphs and Subgraphs for Entity Modeling
A third approach — which takes elements from RDF and property graphs — involves modeling entities using subgraphs or nested graphs. In this model, each entity can be represented as a graph. This allows for a detailed and flexible description of attributes without exploding every detail into individual triples or lump them all together into properties.
For instance, consider a person entity with a complex employment history. Instead of representing every employment detail in one node (as in a property graph), or as several linked nodes (as in RDF), you can treat the employment history as a subgraph. This subgraph could then contain nodes for different jobs, each linked with specific properties and connections. This approach keeps the complexity where it belongs and provides better flexibility when new attributes or entities need to be added.
Hypergraphs and Metagraphs
When discussing more advanced forms of graphs, we encounter hypergraphs and metagraphs. These take the idea of relationships to a new level. A hypergraph allows an edge to connect more than two nodes, which is extremely useful when modeling scenarios where relationships aren’t just pairwise. For example, a “Project” could connect multiple “People,” “Resources,” and “Outcomes,” all in a single edge. This way, hypergraphs help in reducing the complexity of modeling high-order relationships.
Metagraphs, on the other hand, enable nodes and edges to themselves be represented as graphs. This is an extremely powerful feature when we consider the needs of artificial intelligence, as it allows for the modeling of relationships between relationships, an essential aspect for any system that needs to capture not just facts, but their interdependencies and contexts.
Balancing Structure and Properties
One of the recurring challenges when modeling knowledge is finding the balance between structure and properties. With RDF, you get high flexibility and standardization, but complexity can quickly escalate as you decompose everything into triples. Property graphs simplify the representation by using attributes but lose out on the depth of connection modeling. Meanwhile, the graph-of-graphs approach and hypergraphs offer advanced modeling capabilities at the cost of increased computational complexity.
So, how do you decide which model to use? It comes down to your use case. RDF and nested graphs are strong contenders if you need deep linkage and are working with highly variable data. For more straightforward, engineer-friendly modeling, property graphs shine. And when dealing with very complex multi-way relationships or meta-level knowledge, hypergraphs and metagraphs provide the necessary tools.
The key takeaway is that only some approaches are perfect. Instead, it’s all about the modeling goals: how do you want to query the graph, what relationships are meaningful, and how much complexity are you willing to manage?
Conclusion
Modeling AI semantic memory using knowledge graphs is a challenging but rewarding process. The different approaches — RDF, property graphs, and advanced graph modeling techniques like nested graphs and hypergraphs — each offer unique strengths and weaknesses. Whether you are building a personal knowledge graph or scaling up to AI that integrates multiple streams of linked data, it’s essential to understand the trade-offs each approach brings.
In the end, the choice of representation comes down to the nature of your data and your specific needs for querying and maintaining semantic relationships. The world of knowledge graphs is vast, with many tools and frameworks to explore. Stay connected and keep experimenting to find the balance that works for your projects.
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@ 7b20d99d:d2a541a9
2025-06-03 15:34:21In a world plagued by economic instability, growing inequality, and the inefficiency of many traditional aid systems, Hope With Bitcoin emerges as an innovative and forward-thinking initiative. Combining human solidarity with decentralized technology, our mission is simple yet ambitious: feed the most vulnerable while promoting Bitcoin as a tool for financial inclusion and economic sovereignty.
But beyond the direct aid already distributed, a deeper reflection led us to a pivotal step, launching a pig farming project designed to self-fund our humanitarian efforts in the long term.
🎯 Our Mission: Feed, Educate, Empower
Hope With Bitcoin was born from a simple idea: using Bitcoin donations to fund concrete and transparent humanitarian actions. Since its inception, our project has focused on tangible support, such as distributing meals to children and delivering food supplies to families in need. At the same time, we raise awareness about the unique advantages of Bitcoin including transparency, speed, and traceability of transactions.
However, after several months of activity, a clear realization emerged: relying solely on donations limits our impact. While one-time contributions are valuable, they do not provide a strong, predictable, or scalable foundation for long-term humanitarian action.
🐖 Why Pig Farming?
The decision to launch a pig farming initiative is far from random — it’s the result of a strategic, realistic analysis of local conditions and economic opportunities.
🔍 Strategic Reasons:
- Accessibility: Pig farming is well-suited to the targeted region and doesn’t require complex technical skills.
- Quick Return: Pigs have short reproductive cycles, enabling rapid herd growth.
- Strong Local Demand: Pork is widely consumed, ensuring a stable market for sales.
- Reinvestment: Profits will be reinvested into our humanitarian efforts, making the project financially sustainable in the medium and long term.
⚙️ Current Status of the Project
April was dedicated to a strategic pause — not a break in action, but a period of deep reflection, planning, and structuring.
Here’s what we’ve already achieved:
✅ 1. A Secured Plot of Land The farm will be built on land generously provided free of charge by the founder’s father. This significantly reduces infrastructure costs while ensuring long-term land stability.
✅ 2. A Clear and Transparent Budget To guarantee full accountability, we’ve developed a precise forecast budget based on local market prices.
📊 Estimated Budget for the Pig Farming Project Total estimated cost: 5,525,200 satoshis (\~5,213 USD)
🧱 1. Infrastructure – 3,362,907 sats (\~3,172 USD)
Land clearing
Fencing (wood, metal sheets, nails, labor)
Construction of pens
Water access (well or pipe connection)
Electricity (solar or grid connection)
Storage space and shelter for staff
🐖 2. Livestock & Care – 1,582,293 sats (\~1,493 USD)
Purchase of 2 sows and 1 boar
Goats for diversification
3 months’ worth of animal feed
Veterinary care
Cleaning and maintenance
⚠️ 3. Emergency Reserve – 580,000 sats (\~547 USD) To handle unexpected events or challenges
💰 Fundraising Progress
Transparency is at the heart of our initiative.
Here are the contributions already received specifically for the farming project: 1,464 sats were received via a Zap on Nostr from: npub1xzs45n639h6hdttxhnpye2lcfeddlt3u2xl8zcvz07l9uy8tfpdqvxreq5
👉 We extend our sincere thanks for this early support and trust.
Our fundraiser on Geyser received a first symbolic contribution of 50 sats a small amount, but a big sign of confidence.
👉 Total collected so far: 1,514 sats
We’re still at the beginning, but every satoshi is a seed of hope planted to grow a new, sustainable model of solidarity.
This project represents a major shift in mindset: rather than solely depending on outside generosity, Hope With Bitcoin seeks to become its own financial engine.
This hybrid model merging humanitarian action with income-generating activity is inspired by the principles of social entrepreneurship.
Every pig sold, every kilo of meat produced, every new birth in the herd will bring us closer to financial independence allowing us to feed more people, more regularly, and more sustainably.
🤝This project does not exist in isolation.
It depends on trust and active support from the Bitcoin and humanitarian communities.
By sharing our vision, stating our goals clearly, and consistently publishing proof-of-work, we aim to build a model rooted in resilience, collective participation, and radical transparency.
📢 How You Can Support Us
If you believe in this mission and want to contribute meaningfully, here’s how you can help:
Zap via Lightning: hopewithbitcoin@geyser.fund
On-chain Bitcoin address: bc1qrsdqa9xmq8feww4qjeuatx3tlx2rxt50ycd2cw
To view our proof-of-work (photos, videos, updates), visit our Geyser page: 👉 https://geyser.fund/project/hopewithbitcoin
📌With Hope With Bitcoin, we are proving that responsible, transparent, and sustainable action is possible.
This pig farming project is not just an economic venture, it’s a lever for social transformation, a way to amplify our impact, and a bold new approach to solidarity in the Bitcoin era.
We’re not just asking for donations.
We’re asking you to believe that a better model is possible, one built on autonomy, responsibility, and the power of Bitcoin.
Thank you for believing in us.
Thank you for helping hope grow.
HopeWithBitcoin #Philantropy #BitcoinForHelp
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@ 5d4b6c8d:8a1c1ee3
2025-06-03 01:49:23I had a very mid sort of day. I mostly did what I was supposed to, but didn't go above and beyond on anything. It was too hot for the dog to want to go on a real walk and I had too much work to get a lot of steps in during the day.
I did try a pineapple fruit jerky today, that I rather enjoyed and was supposedly the equivalent of half a pineapple.
How did you all do today?
https://stacker.news/items/995706
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@ e6817453:b0ac3c39
2024-12-07 14:52:47The temporal semantics and temporal and time-aware knowledge graphs. We have different memory models for artificial intelligence agents. We all try to mimic somehow how the brain works, or at least how the declarative memory of the brain works. We have the split of episodic memory and semantic memory. And we also have a lot of theories, right?
Declarative Memory of the Human Brain
How is the semantic memory formed? We all know that our brain stores semantic memory quite close to the concept we have with the personal knowledge graphs, that it’s connected entities. They form a connection with each other and all those things. So far, so good. And actually, then we have a lot of concepts, how the episodic memory and our experiences gets transmitted to the semantic:
- hippocampus indexing and retrieval
- sanitization of episodic memories
- episodic-semantic shift theory
They all give a different perspective on how different parts of declarative memory cooperate.
We know that episodic memories get semanticized over time. You have semantic knowledge without the notion of time, and probably, your episodic memory is just decayed.
But, you know, it’s still an open question:
do we want to mimic an AI agent’s memory as a human brain memory, or do we want to create something different?
It’s an open question to which we have no good answer. And if you go to the theory of neuroscience and check how episodic and semantic memory interfere, you will still find a lot of theories, yeah?
Some of them say that you have the hippocampus that keeps the indexes of the memory. Some others will say that you semantic the episodic memory. Some others say that you have some separate process that digests the episodic and experience to the semantics. But all of them agree on the plan that it’s operationally two separate areas of memories and even two separate regions of brain, and the semantic, it’s more, let’s say, protected.
So it’s harder to forget the semantical facts than the episodes and everything. And what I’m thinking about for a long time, it’s this, you know, the semantic memory.
Temporal Semantics
It’s memory about the facts, but you somehow mix the time information with the semantics. I already described a lot of things, including how we could combine time with knowledge graphs and how people do it.
There are multiple ways we could persist such information, but we all hit the wall because the complexity of time and the semantics of time are highly complex concepts.
Time in a Semantic context is not a timestamp.
What I mean is that when you have a fact, and you just mentioned that I was there at this particular moment, like, I don’t know, 15:40 on Monday, it’s already awake because we don’t know which Monday, right? So you need to give the exact date, but usually, you do not have experiences like that.
You do not record your memories like that, except you do the journaling and all of the things. So, usually, you have no direct time references. What I mean is that you could say that I was there and it was some event, blah, blah, blah.
Somehow, we form a chain of events that connect with each other and maybe will be connected to some period of time if we are lucky enough. This means that we could not easily represent temporal-aware information as just a timestamp or validity and all of the things.
For sure, the validity of the knowledge graphs (simple quintuple with start and end dates)is a big topic, and it could solve a lot of things. It could solve a lot of the time cases. It’s super simple because you give the end and start dates, and you are done, but it does not answer facts that have a relative time or time information in facts . It could solve many use cases but struggle with facts in an indirect temporal context. I like the simplicity of this idea. But the problem of this approach that in most cases, we simply don’t have these timestamps. We don’t have the timestamp where this information starts and ends. And it’s not modeling many events in our life, especially if you have the processes or ongoing activities or recurrent events.
I’m more about thinking about the time of semantics, where you have a time model as a hybrid clock or some global clock that does the partial ordering of the events. It’s mean that you have the chain of the experiences and you have the chain of the facts that have the different time contexts.
We could deduct the time from this chain of the events. But it’s a big, big topic for the research. But what I want to achieve, actually, it’s not separation on episodic and semantic memory. It’s having something in between.
Blockchain of connected events and facts
I call it temporal-aware semantics or time-aware knowledge graphs, where we could encode the semantic fact together with the time component.I doubt that time should be the simple timestamp or the region of the two timestamps. For me, it is more a chain for facts that have a partial order and form a blockchain like a database or a partially ordered Acyclic graph of facts that are temporally connected. We could have some notion of time that is understandable to the agent and a model that allows us to order the events and focus on what the agent knows and how to order this time knowledge and create the chains of the events.
Time anchors
We may have a particular time in the chain that allows us to arrange a more concrete time for the rest of the events. But it’s still an open topic for research. The temporal semantics gets split into a couple of domains. One domain is how to add time to the knowledge graphs. We already have many different solutions. I described them in my previous articles.
Another domain is the agent's memory and how the memory of the artificial intelligence treats the time. This one, it’s much more complex. Because here, we could not operate with the simple timestamps. We need to have the representation of time that are understandable by model and understandable by the agent that will work with this model. And this one, it’s way bigger topic for the research.”
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@ a39d19ec:3d88f61e
2024-11-21 12:05:09A state-controlled money supply can influence the development of socialist policies and practices in various ways. Although the relationship is not deterministic, state control over the money supply can contribute to a larger role of the state in the economy and facilitate the implementation of socialist ideals.
Fiscal Policy Capabilities
When the state manages the money supply, it gains the ability to implement fiscal policies that can lead to an expansion of social programs and welfare initiatives. Funding these programs by creating money can enhance the state's influence over the economy and move it closer to a socialist model. The Soviet Union, for instance, had a centralized banking system that enabled the state to fund massive industrialization and social programs, significantly expanding the state's role in the economy.
Wealth Redistribution
Controlling the money supply can also allow the state to influence economic inequality through monetary policies, effectively redistributing wealth and reducing income disparities. By implementing low-interest loans or providing financial assistance to disadvantaged groups, the state can narrow the wealth gap and promote social equality, as seen in many European welfare states.
Central Planning
A state-controlled money supply can contribute to increased central planning, as the state gains more influence over the economy. Central banks, which are state-owned or heavily influenced by the state, play a crucial role in managing the money supply and facilitating central planning. This aligns with socialist principles that advocate for a planned economy where resources are allocated according to social needs rather than market forces.
Incentives for Staff
Staff members working in state institutions responsible for managing the money supply have various incentives to keep the system going. These incentives include job security, professional expertise and reputation, political alignment, regulatory capture, institutional inertia, and legal and administrative barriers. While these factors can differ among individuals, they can collectively contribute to the persistence of a state-controlled money supply system.
In conclusion, a state-controlled money supply can facilitate the development of socialist policies and practices by enabling fiscal policies, wealth redistribution, and central planning. The staff responsible for managing the money supply have diverse incentives to maintain the system, further ensuring its continuation. However, it is essential to note that many factors influence the trajectory of an economic system, and the relationship between state control over the money supply and socialism is not inevitable.
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@ 240d3004:1cf86254
2025-06-02 23:41:48The Last Ledger
Chapter 1: The Warning
Sarah Chen stared at the glowing screen of her laptop, the cursor blinking mockingly at the end of an empty email. How do you tell someone their entire financial worldview is about to collapse? How do you explain that the retirement account they've spent decades building is actually just a claim on a claim on a promise that might not exist?
She'd been reading David Rogers Webb's "The Great Taking" for the third time, cross-referencing the legal documents, following the money trails through decades of seemingly unrelated financial "reforms." The picture that emerged made her stomach churn.
Her phone buzzed. A text from her brother Mike: "Coffee tomorrow? Want to show you this cool Bitcoin lending thing. Getting 8% yield on my stack!"
Sarah closed her eyes. Mike had been so proud when he'd finally bought Bitcoin last year, calling her a "paranoid prepper" for keeping hers in cold storage. He'd moved his to BlockFi for the "professional custody" and yield opportunities.
She started typing:
Mike - we need to talk. Cancel the lending thing. NOW. And get your Bitcoin off BlockFi immediately. I know it sounds crazy, but I need you to trust me on this one.
Her finger hovered over send. She thought about all the conversations she'd had lately that ended with glazed eyes and polite subject changes. People didn't want to hear that their "diversified portfolio" was actually just different flavors of the same systematic risk.
She pressed send.
Chapter 2: The Capture
Six months later
The coffee shop buzzed with the nervous energy that had become normal since the "banking liquidity events" started cascading through regional institutions. Sarah watched the news ticker scroll past on the mounted TV: "Fed Chairman assures markets that deposit guarantees remain strong... FDIC reports adequate reserves..."
Mike slumped across from her, his face gray. "You tried to warn me."
BlockFi had frozen withdrawals two weeks ago. The official statement mentioned "temporary operational challenges due to counterparty exposures." Mike's Bitcoin, along with hundreds of thousands of others, was trapped in bankruptcy proceedings.
"The lawyers say we might get thirty cents on the dollar," he continued. "If we're lucky. Apparently they lent our Bitcoin to some trading firm that went bust." He laughed bitterly. "'Professional custody,' they called it."
Sarah nodded, having no desire to say 'I told you so.' She'd watched the same pattern repeat across a dozen platforms now. Celsius, Voyager, Genesis - each collapse revealing the same fractional reserve nightmare that Webb had predicted.
"But the weird thing," Mike continued, "is that Bitcoin itself keeps holding up. Even going up. My buddy works at JPMorgan, says they're desperate to get their hands on any actual Bitcoin they can find. Something about their derivative positions needing real collateral backing."
Sarah's phone buzzed with a news alert: "Major banks petition Federal Reserve for emergency Bitcoin acquisition authority."
Chapter 3: The Scramble
Three months later
The grocery store manager, Janet, had been skeptical at first. "Bitcoin? Isn't that the fake internet money?"
But when Sarah explained that the banks were offering 2-to-1 premiums for Bitcoin while simultaneously freezing customer withdrawals, Janet's tune changed quickly. Her own small business account had been caught in the "temporary restrictions" that seemed to be growing less temporary each day.
"So you're saying you'll pay me in this Bitcoin thing, and I can immediately sell it to Chase Bank for twice what I'd normally charge for groceries?"
"That's exactly what I'm saying," Sarah replied, loading her cart with months worth of supplies. "You keep half the premium as profit, and you've got real money instead of a frozen bank account."
Word spread fast in their small community. Sarah's Bitcoin, which she'd accumulated for years and stored on hardware wallets, had become the only truly liquid currency in town. While everyone else fought over appointment slots at banks trying to access their own money, merchants lined up to accept her payments.
The irony wasn't lost on her. The very asset the financial system had tried to capture and control through lending platforms and ETFs was now the only thing that actually worked when that same system collapsed.
Chapter 4: The New Reality
One year later
The Federal Reserve's announcement of the Central Bank Digital Currency had been met with relief by most Americans. Finally, a "safe" digital dollar backed by the full faith and credit of the government, available instantly on everyone's smartphone. The old banking system, they explained, had been fundamentally flawed - too many overlapping claims on the same assets, too much systemic risk.
"For your protection," the Treasury Secretary had announced, "all legacy cryptocurrencies will be phased out over the next six months. Citizens can exchange Bitcoin for Digital Dollars at participating Federal Reserve locations."
Sarah watched the announcement from her new home in rural Montana, where a quiet community of Bitcoin holders had formed. They called themselves "the unbanked" - people who had refused to participate in the intermediated financial system that had just collapsed so spectacularly.
Mike visited on weekends now, having lost his apartment when his frozen bank accounts couldn't cover rent. "I still can't believe it worked out exactly like you said," he mused, helping her tend the small farm she'd purchased with Bitcoin from a rancher who'd grown tired of dealing with bank restrictions.
"Webb laid it all out," Sarah replied. "The legal framework, the capture mechanisms, even the timeline. The only thing he underestimated was how voluntary most people would make it."
Down the valley, she could see smoke rising from the Peterson farm, where Jake had set up his Bitcoin mining operation using solar panels and a micro-hydro system. Three more families had moved to the area in the past month, all carrying their wealth in hardware wallets rather than bank accounts.
Chapter 5: The Choice
The government agents arrived on a Tuesday.
"Ms. Chen, I'm Agent Morrison with FinCEN. We're here regarding unreported digital asset transactions and potential violations of the Digital Dollar Compliance Act."
Sarah sat calmly on her porch, noting the three SUVs and eight agents for a simple compliance visit. "I'm not familiar with any violations, Agent Morrison."
"Our records show significant Bitcoin activity associated with this address over the past eighteen months. As you know, all Bitcoin transactions must now be reported and converted to Digital Dollars within thirty days of the regulation's effective date."
"I'm curious," Sarah said, "what gives you jurisdiction over private property transactions between consenting adults?"
Agent Morrison's jaw tightened. "Ma'am, Bitcoin is no longer recognized as legal tender. Continued possession constitutes financial crimes, and any merchant accepting it faces federal prosecution."
"And yet," Sarah observed, "I notice your agency is still desperately trying to acquire Bitcoin through the emergency acquisition program. Funny how something that's supposedly worthless is so aggressively pursued."
The truth was becoming impossible to hide. While most Americans dutifully converted their Bitcoin holdings to Digital Dollars, the government faced a growing problem: their new CBDC system needed real assets to back it, and most of the traditional collateral had been vaporized in the banking collapse. Bitcoin held by people like Sarah represented actual, unencumbered value in a system built on the wreckage of paper claims.
Chapter 6: The Underground
Two years later
The farmer's market operated on Saturdays, technically selling "livestock feed and agricultural supplies." Everyone understood the code: goods and services traded for Bitcoin, off the books, away from the Digital Dollar surveillance grid.
Sarah's role had evolved from individual holder to informal banker for the community. Her multi-signature storage system, distributed across multiple hidden locations, held the Bitcoin reserves that kept their local economy functioning. When someone needed to make a large purchase - a truck, a piece of farm equipment, sometimes medical care - they came to her for conversion services.
"The irony," she explained to a newcomer family, "is that we've become exactly what Bitcoin was designed to be: a peer-to-peer electronic cash system. It just took the collapse of the traditional system to make it necessary."
Mike, now permanently relocated to the community, had become their digital security specialist. "Remember when you used to worry about Bitcoin's volatility?" he asked Sarah one evening as they reviewed the week's trading logs.
Sarah laughed. "Now it's the most stable thing in our world. Digital Dollars keep inflating away, bank accounts keep getting frozen or bailed-in, but Bitcoin just keeps working."
Through encrypted communications, they stayed in touch with similar communities worldwide. The pattern was repeating everywhere: small groups of people who had maintained self-custody were forming the backbone of parallel economies, while the majority struggled with the limitations and surveillance of the new digital monetary system.
Chapter 7: The Reckoning
Five years later
The government's Bitcoin capitulation came quietly, buried in a routine Treasury bulletin: "Emergency acquisition protocols for decentralized digital assets will be extended indefinitely due to ongoing collateral requirements."
Sarah read the announcement on her phone while walking through the thriving main street of what locals now called "Bitcoin Valley." The blacksmith shop accepted Bitcoin, the medical clinic operated on Bitcoin payments, even the small school funded itself through Bitcoin donations from around the world.
Agent Morrison, ironically, had become a semi-regular visitor - not for enforcement, but for the monthly "consulting fees" the Treasury quietly paid to Bitcoin communities for "monetary system stabilization services." The government's dirty secret was that their Digital Dollar needed periodic backing by real assets, and Bitcoin communities like theirs were the only source of liquid value that couldn't be rehypothecated into oblivion.
"Webb was right about almost everything," Sarah told Mike as they sat on the porch watching their neighbors head home from another day of actual productivity rather than financial intermediation. "The only thing he missed was how much better life could be on the other side."
Mike nodded, watching his daughter play with the other kids in the community garden. "Sometimes I wonder what would have happened if everyone had just said no from the beginning. If people had refused to put their Bitcoin on lending platforms, refused to accept the intermediated system."
"We'd probably be living in a very different world," Sarah replied. "But maybe this is better. Maybe we needed the collapse to remember what money is actually supposed to do - facilitate real human cooperation instead of enabling control systems."
Her phone buzzed with a message from a new family asking about relocating to the community. She'd answer tomorrow. Tonight, she wanted to enjoy the sound of children playing in a place where their future wasn't mortgaged to financial intermediaries, where their parents' savings couldn't be rehypothecated into someone else's derivatives position, where the simple act of holding your own money was still possible.
Epilogue: The Next Generation
Ten years later
Sarah's Bitcoin academy graduated its first class of eighteen-year-olds who had never used a traditional bank account. They understood concepts like self-custody and monetary sovereignty as naturally as previous generations had understood credit cards and mortgages.
The final exam was practical: each student had to successfully send Bitcoin to a wallet on the other side of the world, receive confirmation from the recipient, and explain why this simple transaction represented a fundamental shift in human organization.
"The old system," explained one student in her essay, "required trusted third parties for everything. To hold your money, to verify your transactions, to determine what you could buy and from whom. It concentrated power in institutions that used that power to extract value rather than create it."
"But Bitcoin," she continued, "proves that trust can be mathematical rather than institutional. That you can cooperate with people you've never met without giving control to intermediaries who don't have your interests at heart."
Sarah smiled, thinking of Webb's words from all those years ago: "We will come to know who is behind this hybrid war against humanity."
They had. And more importantly, they had built something better.
The great taking had failed, not because the mechanisms weren't real, but because enough people had chosen to step outside the system before it consumed them. In trying to capture everything, the controllers had revealed their dependence on voluntary participation.
The children playing in the Bitcoin Valley community garden would grow up in a world where monetary sovereignty was as natural as free speech had once been. Where cooperation didn't require intermediation, and where wealth couldn't be conjured away by clever legal frameworks.
Webb's warning had become their liberation.
End
Author's Note: This story explores themes from "The Great Taking" by David Rogers Webb, examining how financial system collapse might unfold and how preparation might look in practice. While fiction, it's based on real legal frameworks and financial mechanisms described in Webb's research. The Bitcoin scenarios reflect actual platform failures that occurred after Webb's book was published, validating many of his predictions about intermediated systems.
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@ a39d19ec:3d88f61e
2024-11-17 10:48:56This week's functional 3d print is the "Dino Clip".
Dino Clip
I printed it some years ago for my son, so he would have his own clip for cereal bags.
Now it is used to hold a bag of dog food close.
The design by "Sneaks" is a so called "print in place". This means that the whole clip with moving parts is printed in one part, without the need for assembly after the print.
The clip is very strong, and I would print it again if I need a "heavy duty" clip for more rigid or big bags. Link to the file at Printables
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@ a367f9eb:0633efea
2024-11-05 08:48:41Last week, an investigation by Reuters revealed that Chinese researchers have been using open-source AI tools to build nefarious-sounding models that may have some military application.
The reporting purports that adversaries in the Chinese Communist Party and its military wing are taking advantage of the liberal software licensing of American innovations in the AI space, which could someday have capabilities to presumably harm the United States.
In a June paper reviewed by Reuters, six Chinese researchers from three institutions, including two under the People’s Liberation Army’s (PLA) leading research body, the Academy of Military Science (AMS), detailed how they had used an early version of Meta’s Llama as a base for what it calls “ChatBIT”.
The researchers used an earlier Llama 13B large language model (LLM) from Meta, incorporating their own parameters to construct a military-focused AI tool to gather and process intelligence, and offer accurate and reliable information for operational decision-making.
While I’m doubtful that today’s existing chatbot-like tools will be the ultimate battlefield for a new geopolitical war (queue up the computer-simulated war from the Star Trek episode “A Taste of Armageddon“), this recent exposé requires us to revisit why large language models are released as open-source code in the first place.
Added to that, should it matter that an adversary is having a poke around and may ultimately use them for some purpose we may not like, whether that be China, Russia, North Korea, or Iran?
The number of open-source AI LLMs continues to grow each day, with projects like Vicuna, LLaMA, BLOOMB, Falcon, and Mistral available for download. In fact, there are over one million open-source LLMs available as of writing this post. With some decent hardware, every global citizen can download these codebases and run them on their computer.
With regard to this specific story, we could assume it to be a selective leak by a competitor of Meta which created the LLaMA model, intended to harm its reputation among those with cybersecurity and national security credentials. There are potentially trillions of dollars on the line.
Or it could be the revelation of something more sinister happening in the military-sponsored labs of Chinese hackers who have already been caught attacking American infrastructure, data, and yes, your credit history?
As consumer advocates who believe in the necessity of liberal democracies to safeguard our liberties against authoritarianism, we should absolutely remain skeptical when it comes to the communist regime in Beijing. We’ve written as much many times.
At the same time, however, we should not subrogate our own critical thinking and principles because it suits a convenient narrative.
Consumers of all stripes deserve technological freedom, and innovators should be free to provide that to us. And open-source software has provided the very foundations for all of this.
Open-source matters When we discuss open-source software and code, what we’re really talking about is the ability for people other than the creators to use it.
The various licensing schemes – ranging from GNU General Public License (GPL) to the MIT License and various public domain classifications – determine whether other people can use the code, edit it to their liking, and run it on their machine. Some licenses even allow you to monetize the modifications you’ve made.
While many different types of software will be fully licensed and made proprietary, restricting or even penalizing those who attempt to use it on their own, many developers have created software intended to be released to the public. This allows multiple contributors to add to the codebase and to make changes to improve it for public benefit.
Open-source software matters because anyone, anywhere can download and run the code on their own. They can also modify it, edit it, and tailor it to their specific need. The code is intended to be shared and built upon not because of some altruistic belief, but rather to make it accessible for everyone and create a broad base. This is how we create standards for technologies that provide the ground floor for further tinkering to deliver value to consumers.
Open-source libraries create the building blocks that decrease the hassle and cost of building a new web platform, smartphone, or even a computer language. They distribute common code that can be built upon, assuring interoperability and setting standards for all of our devices and technologies to talk to each other.
I am myself a proponent of open-source software. The server I run in my home has dozens of dockerized applications sourced directly from open-source contributors on GitHub and DockerHub. When there are versions or adaptations that I don’t like, I can pick and choose which I prefer. I can even make comments or add edits if I’ve found a better way for them to run.
Whether you know it or not, many of you run the Linux operating system as the base for your Macbook or any other computer and use all kinds of web tools that have active repositories forked or modified by open-source contributors online. This code is auditable by everyone and can be scrutinized or reviewed by whoever wants to (even AI bots).
This is the same software that runs your airlines, powers the farms that deliver your food, and supports the entire global monetary system. The code of the first decentralized cryptocurrency Bitcoin is also open-source, which has allowed thousands of copycat protocols that have revolutionized how we view money.
You know what else is open-source and available for everyone to use, modify, and build upon?
PHP, Mozilla Firefox, LibreOffice, MySQL, Python, Git, Docker, and WordPress. All protocols and languages that power the web. Friend or foe alike, anyone can download these pieces of software and run them how they see fit.
Open-source code is speech, and it is knowledge.
We build upon it to make information and technology accessible. Attempts to curb open-source, therefore, amount to restricting speech and knowledge.
Open-source is for your friends, and enemies In the context of Artificial Intelligence, many different developers and companies have chosen to take their large language models and make them available via an open-source license.
At this very moment, you can click on over to Hugging Face, download an AI model, and build a chatbot or scripting machine suited to your needs. All for free (as long as you have the power and bandwidth).
Thousands of companies in the AI sector are doing this at this very moment, discovering ways of building on top of open-source models to develop new apps, tools, and services to offer to companies and individuals. It’s how many different applications are coming to life and thousands more jobs are being created.
We know this can be useful to friends, but what about enemies?
As the AI wars heat up between liberal democracies like the US, the UK, and (sluggishly) the European Union, we know that authoritarian adversaries like the CCP and Russia are building their own applications.
The fear that China will use open-source US models to create some kind of military application is a clear and present danger for many political and national security researchers, as well as politicians.
A bipartisan group of US House lawmakers want to put export controls on AI models, as well as block foreign access to US cloud servers that may be hosting AI software.
If this seems familiar, we should also remember that the US government once classified cryptography and encryption as “munitions” that could not be exported to other countries (see The Crypto Wars). Many of the arguments we hear today were invoked by some of the same people as back then.
Now, encryption protocols are the gold standard for many different banking and web services, messaging, and all kinds of electronic communication. We expect our friends to use it, and our foes as well. Because code is knowledge and speech, we know how to evaluate it and respond if we need to.
Regardless of who uses open-source AI, this is how we should view it today. These are merely tools that people will use for good or ill. It’s up to governments to determine how best to stop illiberal or nefarious uses that harm us, rather than try to outlaw or restrict building of free and open software in the first place.
Limiting open-source threatens our own advancement If we set out to restrict and limit our ability to create and share open-source code, no matter who uses it, that would be tantamount to imposing censorship. There must be another way.
If there is a “Hundred Year Marathon” between the United States and liberal democracies on one side and autocracies like the Chinese Communist Party on the other, this is not something that will be won or lost based on software licenses. We need as much competition as possible.
The Chinese military has been building up its capabilities with trillions of dollars’ worth of investments that span far beyond AI chatbots and skip logic protocols.
The theft of intellectual property at factories in Shenzhen, or in US courts by third-party litigation funding coming from China, is very real and will have serious economic consequences. It may even change the balance of power if our economies and countries turn to war footing.
But these are separate issues from the ability of free people to create and share open-source code which we can all benefit from. In fact, if we want to continue our way our life and continue to add to global productivity and growth, it’s demanded that we defend open-source.
If liberal democracies want to compete with our global adversaries, it will not be done by reducing the freedoms of citizens in our own countries.
Last week, an investigation by Reuters revealed that Chinese researchers have been using open-source AI tools to build nefarious-sounding models that may have some military application.
The reporting purports that adversaries in the Chinese Communist Party and its military wing are taking advantage of the liberal software licensing of American innovations in the AI space, which could someday have capabilities to presumably harm the United States.
In a June paper reviewed by Reuters, six Chinese researchers from three institutions, including two under the People’s Liberation Army’s (PLA) leading research body, the Academy of Military Science (AMS), detailed how they had used an early version of Meta’s Llama as a base for what it calls “ChatBIT”.
The researchers used an earlier Llama 13B large language model (LLM) from Meta, incorporating their own parameters to construct a military-focused AI tool to gather and process intelligence, and offer accurate and reliable information for operational decision-making.
While I’m doubtful that today’s existing chatbot-like tools will be the ultimate battlefield for a new geopolitical war (queue up the computer-simulated war from the Star Trek episode “A Taste of Armageddon“), this recent exposé requires us to revisit why large language models are released as open-source code in the first place.
Added to that, should it matter that an adversary is having a poke around and may ultimately use them for some purpose we may not like, whether that be China, Russia, North Korea, or Iran?
The number of open-source AI LLMs continues to grow each day, with projects like Vicuna, LLaMA, BLOOMB, Falcon, and Mistral available for download. In fact, there are over one million open-source LLMs available as of writing this post. With some decent hardware, every global citizen can download these codebases and run them on their computer.
With regard to this specific story, we could assume it to be a selective leak by a competitor of Meta which created the LLaMA model, intended to harm its reputation among those with cybersecurity and national security credentials. There are potentially trillions of dollars on the line.
Or it could be the revelation of something more sinister happening in the military-sponsored labs of Chinese hackers who have already been caught attacking American infrastructure, data, and yes, your credit history?
As consumer advocates who believe in the necessity of liberal democracies to safeguard our liberties against authoritarianism, we should absolutely remain skeptical when it comes to the communist regime in Beijing. We’ve written as much many times.
At the same time, however, we should not subrogate our own critical thinking and principles because it suits a convenient narrative.
Consumers of all stripes deserve technological freedom, and innovators should be free to provide that to us. And open-source software has provided the very foundations for all of this.
Open-source matters
When we discuss open-source software and code, what we’re really talking about is the ability for people other than the creators to use it.
The various licensing schemes – ranging from GNU General Public License (GPL) to the MIT License and various public domain classifications – determine whether other people can use the code, edit it to their liking, and run it on their machine. Some licenses even allow you to monetize the modifications you’ve made.
While many different types of software will be fully licensed and made proprietary, restricting or even penalizing those who attempt to use it on their own, many developers have created software intended to be released to the public. This allows multiple contributors to add to the codebase and to make changes to improve it for public benefit.
Open-source software matters because anyone, anywhere can download and run the code on their own. They can also modify it, edit it, and tailor it to their specific need. The code is intended to be shared and built upon not because of some altruistic belief, but rather to make it accessible for everyone and create a broad base. This is how we create standards for technologies that provide the ground floor for further tinkering to deliver value to consumers.
Open-source libraries create the building blocks that decrease the hassle and cost of building a new web platform, smartphone, or even a computer language. They distribute common code that can be built upon, assuring interoperability and setting standards for all of our devices and technologies to talk to each other.
I am myself a proponent of open-source software. The server I run in my home has dozens of dockerized applications sourced directly from open-source contributors on GitHub and DockerHub. When there are versions or adaptations that I don’t like, I can pick and choose which I prefer. I can even make comments or add edits if I’ve found a better way for them to run.
Whether you know it or not, many of you run the Linux operating system as the base for your Macbook or any other computer and use all kinds of web tools that have active repositories forked or modified by open-source contributors online. This code is auditable by everyone and can be scrutinized or reviewed by whoever wants to (even AI bots).
This is the same software that runs your airlines, powers the farms that deliver your food, and supports the entire global monetary system. The code of the first decentralized cryptocurrency Bitcoin is also open-source, which has allowed thousands of copycat protocols that have revolutionized how we view money.
You know what else is open-source and available for everyone to use, modify, and build upon?
PHP, Mozilla Firefox, LibreOffice, MySQL, Python, Git, Docker, and WordPress. All protocols and languages that power the web. Friend or foe alike, anyone can download these pieces of software and run them how they see fit.
Open-source code is speech, and it is knowledge.
We build upon it to make information and technology accessible. Attempts to curb open-source, therefore, amount to restricting speech and knowledge.
Open-source is for your friends, and enemies
In the context of Artificial Intelligence, many different developers and companies have chosen to take their large language models and make them available via an open-source license.
At this very moment, you can click on over to Hugging Face, download an AI model, and build a chatbot or scripting machine suited to your needs. All for free (as long as you have the power and bandwidth).
Thousands of companies in the AI sector are doing this at this very moment, discovering ways of building on top of open-source models to develop new apps, tools, and services to offer to companies and individuals. It’s how many different applications are coming to life and thousands more jobs are being created.
We know this can be useful to friends, but what about enemies?
As the AI wars heat up between liberal democracies like the US, the UK, and (sluggishly) the European Union, we know that authoritarian adversaries like the CCP and Russia are building their own applications.
The fear that China will use open-source US models to create some kind of military application is a clear and present danger for many political and national security researchers, as well as politicians.
A bipartisan group of US House lawmakers want to put export controls on AI models, as well as block foreign access to US cloud servers that may be hosting AI software.
If this seems familiar, we should also remember that the US government once classified cryptography and encryption as “munitions” that could not be exported to other countries (see The Crypto Wars). Many of the arguments we hear today were invoked by some of the same people as back then.
Now, encryption protocols are the gold standard for many different banking and web services, messaging, and all kinds of electronic communication. We expect our friends to use it, and our foes as well. Because code is knowledge and speech, we know how to evaluate it and respond if we need to.
Regardless of who uses open-source AI, this is how we should view it today. These are merely tools that people will use for good or ill. It’s up to governments to determine how best to stop illiberal or nefarious uses that harm us, rather than try to outlaw or restrict building of free and open software in the first place.
Limiting open-source threatens our own advancement
If we set out to restrict and limit our ability to create and share open-source code, no matter who uses it, that would be tantamount to imposing censorship. There must be another way.
If there is a “Hundred Year Marathon” between the United States and liberal democracies on one side and autocracies like the Chinese Communist Party on the other, this is not something that will be won or lost based on software licenses. We need as much competition as possible.
The Chinese military has been building up its capabilities with trillions of dollars’ worth of investments that span far beyond AI chatbots and skip logic protocols.
The theft of intellectual property at factories in Shenzhen, or in US courts by third-party litigation funding coming from China, is very real and will have serious economic consequences. It may even change the balance of power if our economies and countries turn to war footing.
But these are separate issues from the ability of free people to create and share open-source code which we can all benefit from. In fact, if we want to continue our way our life and continue to add to global productivity and growth, it’s demanded that we defend open-source.
If liberal democracies want to compete with our global adversaries, it will not be done by reducing the freedoms of citizens in our own countries.
Originally published on the website of the Consumer Choice Center.
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@ 09fbf8f3:fa3d60f0
2024-11-02 08:00:29> ### 第三方API合集:
免责申明:
在此推荐的 OpenAI API Key 由第三方代理商提供,所以我们不对 API Key 的 有效性 和 安全性 负责,请你自行承担购买和使用 API Key 的风险。
| 服务商 | 特性说明 | Proxy 代理地址 | 链接 | | --- | --- | --- | --- | | AiHubMix | 使用 OpenAI 企业接口,全站模型价格为官方 86 折(含 GPT-4 )| https://aihubmix.com/v1 | 官网 | | OpenAI-HK | OpenAI的API官方计费模式为,按每次API请求内容和返回内容tokens长度来定价。每个模型具有不同的计价方式,以每1,000个tokens消耗为单位定价。其中1,000个tokens约为750个英文单词(约400汉字)| https://api.openai-hk.com/ | 官网 | | CloseAI | CloseAI是国内规模最大的商用级OpenAI代理平台,也是国内第一家专业OpenAI中转服务,定位于企业级商用需求,面向企业客户的线上服务提供高质量稳定的官方OpenAI API 中转代理,是百余家企业和多家科研机构的专用合作平台。 | https://api.openai-proxy.org | 官网 | | OpenAI-SB | 需要配合Telegram 获取api key | https://api.openai-sb.com | 官网 |
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@ 4c48cf05:07f52b80
2024-10-30 01:03:42I believe that five years from now, access to artificial intelligence will be akin to what access to the Internet represents today. It will be the greatest differentiator between the haves and have nots. Unequal access to artificial intelligence will exacerbate societal inequalities and limit opportunities for those without access to it.
Back in April, the AI Index Steering Committee at the Institute for Human-Centered AI from Stanford University released The AI Index 2024 Annual Report.
Out of the extensive report (502 pages), I chose to focus on the chapter dedicated to Public Opinion. People involved with AI live in a bubble. We all know and understand AI and therefore assume that everyone else does. But, is that really the case once you step out of your regular circles in Seattle or Silicon Valley and hit Main Street?
Two thirds of global respondents have a good understanding of what AI is
The exact number is 67%. My gut feeling is that this number is way too high to be realistic. At the same time, 63% of respondents are aware of ChatGPT so maybe people are confounding AI with ChatGPT?
If so, there is so much more that they won't see coming.
This number is important because you need to see every other questions and response of the survey through the lens of a respondent who believes to have a good understanding of what AI is.
A majority are nervous about AI products and services
52% of global respondents are nervous about products and services that use AI. Leading the pack are Australians at 69% and the least worried are Japanise at 23%. U.S.A. is up there at the top at 63%.
Japan is truly an outlier, with most countries moving between 40% and 60%.
Personal data is the clear victim
Exaclty half of the respondents believe that AI companies will protect their personal data. And the other half believes they won't.
Expected benefits
Again a majority of people (57%) think that it will change how they do their jobs. As for impact on your life, top hitters are getting things done faster (54%) and more entertainment options (51%).
The last one is a head scratcher for me. Are people looking forward to AI generated movies?
Concerns
Remember the 57% that thought that AI will change how they do their jobs? Well, it looks like 37% of them expect to lose it. Whether or not this is what will happen, that is a very high number of people who have a direct incentive to oppose AI.
Other key concerns include:
- Misuse for nefarious purposes: 49%
- Violation of citizens' privacy: 45%
Conclusion
This is the first time I come across this report and I wil make sure to follow future annual reports to see how these trends evolve.
Overall, people are worried about AI. There are many things that could go wrong and people perceive that both jobs and privacy are on the line.
Full citation: Nestor Maslej, Loredana Fattorini, Raymond Perrault, Vanessa Parli, Anka Reuel, Erik Brynjolfsson, John Etchemendy, Katrina Ligett, Terah Lyons, James Manyika, Juan Carlos Niebles, Yoav Shoham, Russell Wald, and Jack Clark, “The AI Index 2024 Annual Report,” AI Index Steering Committee, Institute for Human-Centered AI, Stanford University, Stanford, CA, April 2024.
The AI Index 2024 Annual Report by Stanford University is licensed under Attribution-NoDerivatives 4.0 International.
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@ dc4cd086:cee77c06
2024-10-18 04:08:33Have you ever wanted to learn from lengthy educational videos but found it challenging to navigate through hours of content? Our new tool addresses this problem by transforming long-form video lectures into easily digestible, searchable content.
Key Features:
Video Processing:
- Automatically downloads YouTube videos, transcripts, and chapter information
- Splits transcripts into sections based on video chapters
Content Summarization:
- Utilizes language models to transform spoken content into clear, readable text
- Formats output in AsciiDoc for improved readability and navigation
- Highlights key terms and concepts with [[term]] notation for potential cross-referencing
Diagram Extraction:
- Analyzes video entropy to identify static diagram/slide sections
- Provides a user-friendly GUI for manual selection of relevant time ranges
- Allows users to pick representative frames from selected ranges
Going Forward:
Currently undergoing a rewrite to improve organization and functionality, but you are welcome to try the current version, though it might not work on every machine. Will support multiple open and closed language models for user choice Free and open-source, allowing for personal customization and integration with various knowledge bases. Just because we might not have it on our official Alexandria knowledge base, you are still welcome to use it on you own personal or community knowledge bases! We want to help find connections between ideas that exist across relays, allowing individuals and groups to mix and match knowledge bases between each other, allowing for any degree of openness you care.
While designed with #Alexandria users in mind, it's available for anyone to use and adapt to their own learning needs.
Screenshots
Frame Selection
This is a screenshot of the frame selection interface. You'll see a signal that represents frame entropy over time. The vertical lines indicate the start and end of a chapter. Within these chapters you can select the frames by clicking and dragging the mouse over the desired range where you think diagram is in that chapter. At the bottom is an option that tells the program to select a specific number of frames from that selection.
Diagram Extraction
This is a screenshot of the diagram extraction interface. For every selection you've made, there will be a set of frames that you can choose from. You can select and deselect as many frames as you'd like to save.
Links
- repo: https://github.com/limina1/video_article_converter
- Nostr Apps 101: https://www.youtube.com/watch?v=Flxa_jkErqE
Output
And now, we have a demonstration of the final result of this tool, with some quick cleaning up. The video we will be using this tool on is titled Nostr Apps 101 by nostr:npub1nxy4qpqnld6kmpphjykvx2lqwvxmuxluddwjamm4nc29ds3elyzsm5avr7 during Nostrasia. The following thread is an analog to the modular articles we are constructing for Alexandria, and I hope it conveys the functionality we want to create in the knowledge space. Note, this tool is the first step! You could use a different prompt that is most appropriate for the specific context of the transcript you are working with, but you can also manually clean up any discrepancies that don't portray the video accurately.
nostr:nevent1qvzqqqqqqypzp5r5hd579v2sszvvzfel677c8dxgxm3skl773sujlsuft64c44ncqy2hwumn8ghj7un9d3shjtnyv9kh2uewd9hj7qgwwaehxw309ahx7uewd3hkctcpzemhxue69uhhyetvv9ujumt0wd68ytnsw43z7qghwaehxw309aex2mrp0yhxummnw3ezucnpdejz7qgewaehxw309aex2mrp0yh8xmn0wf6zuum0vd5kzmp0qqsxunmjy20mvlq37vnrcshkf6sdrtkfjtjz3anuetmcuv8jswhezgc7hglpn
Or view on Coracle nostr:nevent1qqsxunmjy20mvlq37vnrcshkf6sdrtkfjtjz3anuetmcuv8jswhezgcppemhxue69uhkummn9ekx7mp0qgsdqa9md83tz5yqnrqjw07hhkpmfjpkuv9hlh5v8yhu8z274w9dv7qnnq0s3
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@ 74fb3ef2:58adabc7
2025-06-02 22:59:39I'm actually glad that COVID happened. If it weren't for COVID, I would not have woken up.
Before COVID, I hated the government like any tax-paying slave does, but I never questioned the narrative. I believed the full statist propaganda—that the government had my best interest in mind and that we couldn't live without them.
I always believed they were thieves. I always knew they were idiots. I think it takes barely a few minutes of actual thinking to realize that. But I was very anti-"conspiracy theory." I used to ridicule non-statists and bitcoiners too.
COVID was the switch for me. I started doing research, but I was skeptical at first. Then, in a random Discord server about political debate, a certain user's messages stood out.
Most users were statists, left and right NPCs screaming about which geriatric and demented person should be the new monarch of a country I don't even live in and will likely never visit anymore.
But this one person was different. I don't think it's up to me to share his name since he's a very private person (you know who you are, and thank you). But I talked with this person almost every week. I presented argument after argument for my "side," essentially advocating for my own slavery to people who value me less than a pawn in a game of chess.
There was no argument I would bring up that he wouldn't destroy me on with logic and data.
Slowly, over a few months, he convinced me and turned me into the free person I am today.
I owe so much to this person: - The fact that I quit my main job a while back and only do freelance now - The fact that I don't use any big tech products anymore - The fact that I'm a bitcoiner - The fact that I self-host a lot of servers, despite living in a small apartment - The fact that I'm becoming less reliant on the slavery system - The fact that I'm now living free - The fact that I'm writing this very article on nostr
Once you start questioning one widely-accepted narrative, it becomes natural to ask "what else might I have wrong?" or "what other assumptions haven't I examined?"
Thank you, government, for COVID. And thank you, mystery person, for calling me a retard and showing me how I was being retarded.