These layers are not a reference to the computer science portion but the economic concepts around the layering of money.
Asset-Coupon-Credit this applies to all forms of money.
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I understand you, but Bitcoin has proven you can use it the same way as cash by just moving the asset (lightning).
People should stop to not use it like money.
I don't mind if they litterally "turn" it into money by using ecash or whatever.
When you don't use bitcoin like money you are missing out and eventually adding adfitional steps like btc-fiat-trade instead of btc-trade.
I think the problem is the following:
You see BTC as 'digital GOLD'.
I see BTC as 'DIGITAL gold'.
With the asset beeing totally digital, you don't need 'money', the asset IS the money.
Lightning is not native to bitcoin. It is another protocol utilizing the HTLC functions of bitcoin to create a smart contract. This enables a nearly trustless conversion settlement onto the Bitcoin timechain.
I am not advocating for selling the Bitcoin asset for fiat at any point. I am using Dollars (pre 1971) relationship to gold as a currency layer to ease transaction volume the same way lightning does for bitcoin. I don't think you realize that lightning was developed by Joseph Poon and Thaddeus Dryja and was not part of the bitcoin protocol.
I AM saying people should use bitcoin like money. I am just saying they shouldn't use it like Cash because it doesn't do that well enough for market velocity. Money is not cash. Those two things serve different purposes.