By Bitcoin Magazin - prije 3 mjeseca - Vrijeme čitanja: 11 minute
Serija trenutnih poravnanja: Streaming plaćanja u realnom vremenu
With the previous articles, we found the disconnect between paid-for work and paid-for time. We also understood that if you want to get paid you have to provide work that is valuable for others. So when the person consumes the benefit of your work, the exchange happens value for value - work for sats. But what happens if the benefit that the consumer experiences is not a momentary but a continuous process? There are a few examples of this. I will start with the one that is not that captivating but still valuable.
Streaming usluge, kao i druge industrije, bore se sa ograničenjima fiat sistema plaćanja. Teret naknada i nepostojanje odgovarajuće tehnologije za streaming plaćanja natjerali su ih da usvoje slična ublažavanja kao i druge industrije. To znači da se korisnicima naplaćuje mjesečna naknada.
Uz Lightning Network, imamo tehnologiju za striming satova za sadržaj. Više niste ograničeni na mjesečne pretplate, plaćate ono što potrošite u realnom vremenu. Bilo da gledate sporadično ili uveliko prepijate, streaming plaćanja omogućavaju personaliziraniji i efikasniji model plaćanja. Na ovaj način kreator sadržaja i korisnik imaju direktnu vezu za svaku minutu emitovanja sadržaja. Uz streaming plaćanja sada možete reći zbogom plaćanju pretplate.
Razotkrivanje nove ere poštenih kompenzacija i odgovornosti u filmskoj produkciji
Imagine you've created a movie or documentary. Traditionally, you'd charge people for a ticket, essentially asking them to pay upfront for future value, creating a slight disconnect. Now, with streaming payments using sats, consumers can pay as they watch. If your movie sucks, they might only pay for the first 30 minutes. However, you still receive value, and viewers won't feel overcharged for something they didn't enjoy. If your movie is great they not only stream sats the whole time but at the end, they leave a tip.
On the receiving side of the movie most people involved in it received a salary for doing their job. As we already know this is not aligning the whole structure in the same direction. Some people do not care at all how good the movie is if they have already been paid and do not receive a bonus further. Some people might care about reputation in the market but very few just want to do the best job. Again, we went through this, and as you are guessing you just do a split payment in the backend where all the people in the credits actually receive sats or even milisatoshis based on their contribution. This was something I did not expect that Bitcoin would disrupt. This way the reputation is directly linked to the payment and a lot more people will fight to have the best movie. You can be someone who contributed to a project and wants to stay anonymous for whatever reason but still receive money - Lightning instant settlement is the way to do it.
These concepts should not be new if you read through the last 3 članci. In addition, people in the Bitcoin space are familiar with the Value for Value (V4V) podcasting and that is very close to what I am describing above. While the technology for podcasting is already in place, it's surprising how few podcasts leverage this technology to implement split payments effectively. They give that responsibility to some hosting service that decides to take a 5% split for themselves and the other 95% goes to the wallet of the show. Why not do the split the proper way? The hosting service provides value so they should get a percentage but if you are 3 people involved in the production of the podcast you should have that 95% split so it goes to those individuals. There's no excuse, especially for Bitcoin podcasts, not to make this effort and implement split payments appropriately.
Dinamična budućnost Pay-as-you-go u potrošnji sadržaja
In this example, the pay-as-you-go model holds true for continuous experiences, like streaming. Now, let's revisit the movie example. If you're a theater, you are essentially the hosting provider for the movie. The quality of the theater experience can vary; one theater might have uncomfortable chairs, while another boasts luxurious massage chairs. The theater with subpar seating might receive a 3% share of the movie's streaming sats revenue, while the one with comfortable massage chairs might earn 5% for each sat stream paying for the movie. Furthermore, if a viewer activates the massage function of the chair, additional sats are streamed for each second that the function is on. I do not know the exact payment dynamics between theaters and movie studios but I bet there are prepayments and funds held at multiple points in the fiat payment process. With the adoption of the Lightning Network, theaters no longer have to prepay for movies to be projected on their screens. They can now observe which movies are most popular in real time and adjust their projections accordingly to optimize revenues. This benefits the consumer and optimizes profits for themselves and the creators of the movie.
Sada vidite da sadržaj dobija svoj tok vrijednosti za kontinuirano iskustvo i svi u filmskoj industriji će se boriti da pruže najbolje iskustvo tokom najvećeg vremena. Što je iskustvo bolje, više sati teče svojim putem. Zbog izrazito subjektivne prirode sadržaja, gdje jedna osoba može smatrati film lošim, druga bi ga mogla označiti svojim omiljenim. Ova subjektivnost je razlog zašto vjerujem da većina streaming sadržaja neće imati unaprijed određenu cijenu. Čak i filmovi mogu usvojiti V4V model, sličan onome što Adam Curry predstavlja pionir u podcastingu. Na primjer, gledate film, a tokom kredita pojavljuje se istaknuti QR kod koji vam omogućava da odlučite koliko želite poslati kreatorima filma. Slušat ćete pjesmu ili podcast na isti način. Bilo da unaprijed definirate brzinu striminga po minuti ili zatražite plaćanje na kraju, obje opcije su tehnički moguće. Međutim, tržište će na kraju odrediti koja opcija će prevladati kao bolja.
Takođe, zašto ne biste imali nadmetanje za bilo koji događaj koji ima dodijeljena mjesta? Osoba koja ponudi najviše za ulaznicu stiže u prvi red koncerta ili sportskog stadiona. Ovako je subjektivnost prepuštena svim gledaocima da odluče koliko je zaista vrijedna. Na ovaj način osigurava pun stadion i zato što ako nema vrijednosti prisustvovati događaju ljudi neće licitirati za mjesta ili samo platiti 1 sat za to.
Revolucioniranje taksi transakcija za vozače i putnike
Kontinuirano iskustvo ili usluga za streaming može biti bilo što u fizičkom području. Pogledat ću kako bi trenutno poravnanje moglo izgledati u transportnim uslugama. Jedna takva usluga prevoza je taksi služba. Iako je Uber decentralizirao taksi kompanije, što je sjajno, nisu učinili ništa na decentralizaciji procesa plaćanja. Lightning Network popravlja to i još mnogo toga.
Uz opciju strimovanja plaćanja za svaki metar kretanja, taksisti više ne moraju čekati do krajnjeg odredišta kako bi primili uplatu. U svijetu trenutnog poravnanja, plaćanje se događa dok idete, eliminirajući rizik za taksista u vezi s tim da li će putnik platiti na kraju putovanja. Iako ovo možda nije revolucionarno poboljšanje, postoji nekoliko dodatnih prednosti koje treba razmotriti.
Zašto većina taksija posluje s gotovinom? Taksistima je na većini mjesta potreban POS uređaj kako bi kupci mogli platiti za bolje korisničko iskustvo (UX). Možda je bolji UX, ali s druge strane, stvara probleme vozačima na bilo koji način:
They have to acquire clunky devices.They must pay payment processing fees, negatively impacting their margins.Operating solely with cash exposes them to the honeypot problem, carrying a substantial amount of money, and making them vulnerable to theft.With an app tailored for the taxi experience and integrated with the Lightning Network, these issues become irrelevant. There is no need for additional equipment, no payment processing fees for receiving money, and no exposure to visible cash, reducing the risk of being a target for theft. Now you can have a better UX with better security and better margins - an additional benefit is that it will be paid with Bitcoin. Not only that but just like the example with the movie theater chairs drivers will be incentivized to make the travel experience even better. They can offer - to watch a movie, video games like PlayStation, or massage chair. If you choose to use those extra experiences on top of the travel experience you have to increase the sats streaming their way.
An additional benefit for the travel experience of customers arises when multiple passengers in a taxi have different destinations. Traditionally, the taxi meter ticks for the entire journey, and when the first person is dropped off, determining a fair amount for their portion becomes complex. However, with the Lightning Network, it's conceivable to streamline this process. Imagine a scenario where three passengers enter a taxi, each with distinct destinations. Each person scans a QR code upon entering, linking their streaming sats to the taxi app. The app manages split-receiving, dynamically adjusting the distribution of streaming payments based on how many people are in the taxi. As passengers are dropped off one by one, the app seamlessly adjusts the split-receiving, providing a fair and efficient payment solution for each individual's share of the journey.
Optimiziranje gradskog prijevoza uz streaming Sats
Predloženi model podijeljenog prijema putem QR kodova i striming sats može se proširiti izvan taksi usluga na druge načine prijevoza, kao što su autobusi. Ideja je da se izračuna prosječna cijena po milji (ili metru/fotu) za pružanje usluge prijevoza, uključujući faktore kao što su gorivo, održavanje i plata vozača, te dodaju maržu za profit. Putnici koji ulaze u vozilo skeniraju QR kod, a aplikacija dinamički prilagođava streaming plaćanja na osnovu broja ljudi u vozilu.
For buses, this model allows for real-time adjustment of streaming payments as passengers enter and exit. If there are 30 people on the bus the split is between them. At the next stop, 10 people are dropped off and 5 people get on board - now the sats stream is divided by 25 people. As the number of people on the bus changes at each stop, the streaming sats are proportionally divided among the passengers. This approach can lead to more efficient and flexible city transportation. Late-night buses will be more expensive for the passengers because of the fewer riders, while buses during peak hours may offer a more cost-effective traveling experience as payments are shared among more passengers.
Ovaj sistem podstiče optimizaciju prevoza oko događaja, kao što su koncerti ili sportske igre, gde privatni autobusi ili kombiji čekaju da se popune pre polaska. Rute se mogu dinamički prilagođavati jer ćete imati sistem koji prati koliko je ljudi u vozilima u koje vrijeme i na kojoj lokaciji na mapi. Važno je da ovi podaci ostaju anonimni, jer nisu potrebne KYC informacije za plaćanja Lightning Network-om.
Pojednostavljeno plaćanje sa udaljenosti
Now with this streaming money feature, it can be applied differently. Let’s go back to the taxi service for a moment. The pay-from-a-distance feature that is available in the Lightning Network can significantly enhance the experience of ordering a taxi. Instead of the traditional model where drivers wait patiently and charge fixed fees when passengers enter the car, this model introduces streaming sats from the moment the passenger accepts the ride. Here's how it works:
The passenger places an order in the app, specifying the destination. Nothing new here.Drivers see the order and can apply for it, similar to platforms like Uber.Streaming sats start the moment the passenger accepts the driver, and streaming payments commence. This fee will be less than the actual transportation but the user is still paying for the service of the car coming to him and not the other way around.The taxi arrives at the passenger's door, and the streaming payments continue. There is a fee for waiting at the door per minute.By shifting the waiting cost to the passenger, there's a strong incentive for both parties to be prompt, and the system becomes more efficient. Additionally, the passenger's responsibility to follow the car reduces operational costs related to alerting passengers via message or a call. Any inefficient time management becomes a cost for the passenger. This model aligns incentives for both drivers and passengers, creating a more seamless cost and time-effective taxi experience.
The concept of paying from a distance can be creatively applied to various scenarios, providing convenience and peace of mind. For instance, when it comes to sending your child somewhere with a taxi, traditional concerns about trusting them with money or the driver's reliability may arise. However, with the ability to stream sats for the ride, you gain real-time visibility on your device, tracking your child's journey and ensuring they reach the intended destination safely. This pay-from-a-distance feature extends beyond transportation and can be applied to other continuous services. For example, daycare services charge per minute, allowing you to stream payments in real-time, ensuring accurate and fair compensation for the duration your child spends there. Additionally, you can send a present to a friend, such as a massage session, and pay for it in a streaming fashion, covering the cost continuously based on the duration of the service. The flexibility of streaming payments not only offers real-time tracking and control but also opens up new possibilities for various services where charging per minute or duration is relevant. Those services can be paid on the spot or from a distance.
Znam da sada izgleda kao da se vraćamo unazad od prvobitne tačke da nikada ne plaćamo novac za vrijeme. Ključna razlika ovdje je u tome što možda plaćate proteklo vrijeme za uslugu, ali u tom vremenu dobijate kontinuirani tok vrijednosti (obavljeni posao) tako da vraćate vrijednost da biste je platili. U nekim slučajevima utrošeno vrijeme je zapravo tačna mjera obavljenog posla.
It's true that developing apps with such functionalities is technically feasible, and there might be entrepreneurs and developers willing to explore these possibilities. However, a significant challenge arises when considering custodial control over users' funds. Small startups might find it financially burdensome and complex to operate as custodians, potentially steering away from such responsibilities. This will take not only high responsibility but also a very big financial wall and expertise to obtain the licenses that comply with the ever-changing regulations. On the other hand, large tech companies with substantial resources could afford to take on the role of custodians, presenting both a business opportunity for them and a risk for the users. The move by some tech giants, like X(formerly Twitter), to obtain such licenses can be seen as a strategic measure for self-preservation over their own finances. This is also an opportunity to consolidate control over not only user data but user finances within their platforms.
The Breez SDK offers a powerful solution, empowering developers to create diverse applications without having to worry about payment intricacies. Its non-custodial nature is a key advantage, eliminating the need for licenses. The infrastructure of it is made in such a way that it is peer-to-peer so no one is holding money for someone else. The app developers focus on the experience within the app and just plug in the code. This combination of features gives startups a competitive edge and reverses the advantage held by large tech companies. While they go through the complex process of getting a license the startup can integrate the global payment network (the Lightning Network) in one day. Even if certain tech giants choose to lock users' funds within their applications, alternative options will continue to be developed, and users will have the freedom to opt-out. Just like people are choosing Bitcoin over fiat.
Ko je sada spreman svima nama dati ta iskustva u svojoj aplikaciji?
Ovo je gostujući post Ivana Makedonskog. Izražena mišljenja su u potpunosti njihova i ne odražavaju nužno mišljenja BTC Inc ili Bitcoin Časopis.
Izvorni izvor: Bitcoin Časopis