Sraith Socraíochta Meandaracha: Íocaíochtaí Sruthaithe Fíor-Ama

By Bitcoin Iris - 3 mhí ó shin - Am Léitheoireachta: 11 nóiméad
Aoine, 2 Feabhra, 2024 6:00 PM

Sraith Socraíochta Meandaracha: Íocaíochtaí Sruthaithe Fíor-Ama

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.

Téann seirbhísí sruthaithe, cosúil le tionscail eile, i ngleic le teorainneacha an chórais íocaíochta fiat. Chuir ualach na dtáillí agus easpa teicneolaíochta oiriúnach le haghaidh íocaíochtaí sruthaithe iachall orthu maoluithe atá cosúil le tionscail eile a ghlacadh. Is ionann é seo agus muirear a ghearradh ar úsáideoirí ar bhonn míosúil.

Leis an Líonra Lightning, tá an teicneolaíocht againn chun sait a shruthú le haghaidh ábhar. Níl sé teoranta do shíntiúis mhíosúla a thuilleadh, íocann tú as an méid a itheann tú i bhfíor-am. Cibé an mbreathnaíonn tú ó am go chéile nó an ragús go forleathan, ceadaíonn íocaíochtaí sruthaithe múnla íocaíochta níos pearsantaithe agus níos éifeachtaí. Ar an mbealach seo tá nasc díreach ag cruthaitheoir an ábhair agus an t-úsáideoir do gach nóiméad a chraoltar an t-ábhar. Le híocaíochtaí sruthaithe anois is féidir leat slán a fhágáil le híocaíochtaí síntiúis.

Ré Nua Cúitimh Agus Cuntasacht Chothrom i Léiriú Scannán á Nochtadh

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 míreanna 3. 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.

Todhchaí Dinimiciúla Íoc Mar a Úsáidtear In Tomhaltas Ábhar

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.

Anois feiceann tú go bhfaigheann an t-ábhar a sruth luach don taithí leanúnach agus beidh gach duine sa tionscal scannán ag troid chun an taithí is fearr a thabhairt don mhéid is mó ama. Dá fheabhas an taithí is ea is mó a sreabhann na saighne a mbealach. Mar gheall ar nádúr thar a bheith suibiachtúil an ábhair, nuair a d’fhéadfadh duine amháin fo-pháirc scannáin a mheas, d’fhéadfadh duine eile é a lipéadú mar an ceann is fearr leo. Is é an suibiachtúlacht seo an fáth go gcreidim nach mbeidh praghas réamhshocraithe ag an gcuid is mó de shruthú inneachair. Féadfaidh fiú scannáin glacadh leis an tsamhail V4V, cosúil leis an méid atá ceannródaíoch Adam Curry sa phodchraoladh. Mar shampla, féachann tú ar scannán, agus le linn na gcreidmheasanna, feictear cód QR feiceálach, a ligeann duit cinneadh a dhéanamh cé mhéad is mian leat a sheoladh chuig cruthaitheoirí an scannáin. Éistfidh tú le hamhrán nó le podchraoladh ar an mbealach céanna. Cibé an réamhshainíonn tú ráta sruthaithe in aghaidh an nóiméid nó má iarrann tú íocaíocht ag an deireadh, tá an dá rogha indéanta go teicniúil. Mar sin féin, is é an margadh a chinnfidh ar deireadh thiar cé acu rogha a bheidh i réim mar an rogha is fearr.

Freisin, cén fáth nach mbeadh comórtas tairisceana ar siúl d’aon imeacht a bhfuil suíocháin sannta dó? Is é an duine a thairgeann an ticéad is mó a gheobhaidh sé nó sí sa chéad sraith den cheolchoirm nó i staidiam spóirt. Ar an mbealach seo fágtar an suibiachtúlacht ag an lucht féachana go léir a chinneadh cé chomh luachmhar is atá sé i ndáiríre. Ar an mbealach seo cinntíonn sé staidiam iomlán freisin mar mura bhfuil aon luach ag baint le freastal ar an imeacht níl daoine chun tairiscint a dhéanamh ar na suíocháin nó díreach ag íoc 1 shuíochán air.

Idirbhearta Tacsaithe a Réabhlóidiú Do Tiománaithe agus Paisinéirí araon

D'fhéadfadh an t-eispéireas nó an tseirbhís leanúnach le haghaidh sruthú a bheith mar rud ar bith sa réimse fisiceach. Breathnóidh mé ar conas a d'fhéadfadh socrú láithreach a bheith i seirbhísí iompair. Seirbhís iompair amháin den sórt sin is ea an tseirbhís tacsaí. Cé gur dhíláraigh Uber na cuideachtaí tacsaí, rud atá iontach ní dhearna siad aon rud faoin bpróiseas íocaíochta a dhílárú. Socraíonn Lightning Network é sin agus níos mó.

Le rogha íocaíochta sruthaithe do gach méadar gluaiseachta, ní gá do thiománaithe tacsaí fanacht go dtí an ceann scríbe chun a n-íocaíocht a fháil a thuilleadh. I ndomhan socraíochta láithreach, tarlaíonn íocaíocht de réir mar a théann tú ar aghaidh, rud a chuireann deireadh leis an riosca don tiománaí tacsaí maidir le cibé an n-íocfaidh an paisinéir ag deireadh an turais. Cé go mb’fhéidir nach feabhas úrnua é seo, tá roinnt buntáistí breise le breithniú.

Cén fáth a n-oibríonn an chuid is mó de na tacsaithe le hairgead tirim? Tá gléas POS de dhíth ar thiománaithe tacsaí i bhformhór na n-áiteanna le go mbeidh na custaiméirí in ann íoc as eispéireas úsáideora níos fearr (UX). D'fhéadfadh sé a bheith ina UX níos fearr ach ar an láimh eile, cruthaíonn sé fadhbanna do na tiománaithe ceachtar bealach:

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.

Iompar Cathrach a Bharrfheabhsú Le Sruthú Sait

Féadfaidh an tsamhail ghlactha scoilte atá beartaithe trí chóid QR agus suíocháin shruthaithe leathnú níos faide ná seirbhísí tacsaí chuig modhanna eile iompair, mar bhusanna. Is é an smaoineamh an meánchostas in aghaidh an mhíle (nó méadar / troigh) as an tseirbhís iompair a sholáthar a ríomh, lena n-áirítear fachtóirí cosúil le breosla, cothabháil, agus tuarastal tiománaithe, agus corrlach brabúis a chur leis. Scanann paisinéirí a théann isteach san fheithicil cód QR, agus déanann an app na híocaíochtaí sruthú a choigeartú go dinimiciúil bunaithe ar líon na ndaoine ar bord.

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.

Spreagann an córas seo barrfheabhsú iompair thart ar imeachtaí, mar cheolchoirmeacha nó cluichí spóirt, áit a bhfanann busanna príobháideacha nó mionveaineanna le líonadh sula n-imíonn siad. Is féidir bealaí a choigeartú go dinimiciúil toisc go mbeidh córas agat a rianóidh cé mhéad duine atá sna feithiclí, cén t-am agus cén suíomh ar an léarscáil. Tá sé tábhachtach go bhfuil na sonraí seo fós gan ainm, toisc nach bhfuil aon fhaisnéis KYC ag teastáil le haghaidh íocaíochtaí Líonra Lightning.

An t-Aistritheoir Simplithe Íoc as an gCian

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:

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.

Tá a fhios agam anois go bhfuil an chuma ar an scéal go bhfuilimid ag dul ar gcúl ón bpointe bunaidh gan airgead a íoc in am. Is é an príomh-idirdhealú anseo ná go mb’fhéidir go bhfuil tú ag íoc as an am atá caite ar an tseirbhís ach san am sin faigheann tú sruth leanúnach luacha (obair déanta) agus mar sin tá luach á shruthú ar ais agat chun íoc as. I gcásanna áirithe is tomhas cruinn ar an obair a dhéantar an t-am a chaitear.

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.

Anois cé atá réidh leis na heispéiris sin go léir a thabhairt dúinn ina n-aip?

Is post aoi é seo le Ivan Makedonski. Is a gcuid tuairimí féin go hiomlán agus ní gá go léiríonn siad iad siúd de chuid BTC Inc nó Bitcoin Iris.

Foinse bunaidh: Bitcoin Magazine