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<node TEXT="Modul 10 - Investi&#x21b;ii pasive &#xee;n Bitcoin" FOLDED="false" ID="ID_806968399" CREATED="1664887588273" MODIFIED="1667664718920" STYLE="oval">
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<node TEXT="De ce pre&#x21b;ul Bitcoin va cre&#x219;te exponen&#x21b;ial" FOLDED="true" POSITION="right" ID="ID_457549776" CREATED="1651836368315" MODIFIED="1651837922654">
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<node TEXT="ce &#xee;nseamn&#x103; adop&#x21b;ie global&#x103;" FOLDED="true" ID="ID_1660332388" CREATED="1651836584237" MODIFIED="1651836608192">
<node TEXT="O adop&#x21b;ie mondial&#x103;, sau &#xee;n termen de specialitate &#x201e;hiperbitcoinizare&#x201d; (un termen care sun&#x103; for&#x21b;at &#xee;n rom&#xe2;ne&#x219;te), este definit&#x103; prin:-folosirea BTC de cel pu&#x21b;in un miliard de oameni" FOLDED="true" ID="ID_1037878059" CREATED="1651836936863" MODIFIED="1651836949713">
<node TEXT="cifra de un miliard" FOLDED="true" ID="ID_1592581752" CREATED="1651836952655" MODIFIED="1651836970239">
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      &#160;este relativ arbitrar&#259;
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<node TEXT="reprezint&#x103; un ordin de m&#x103;rime" ID="ID_1571186885" CREATED="1651836977799" MODIFIED="1651836984699"/>
<node TEXT="poate fi 2 sau 3 miliarde" ID="ID_255972153" CREATED="1651836984937" MODIFIED="1651837007192"/>
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<node TEXT="reprezint&#x103; penetrarea utiliz&#x103;rii BTC la nivel de business &#x219;i &#xee;n zonele persoanelor s&#x103;race, care nu au conturi bancare (unbanked)" FOLDED="true" ID="ID_511918285" CREATED="1651837015651" MODIFIED="1651837081325">
<node TEXT="primele dou&#x103; &#x21b;&#x103;ri care au adoptat BTC ca &#x219;i moned&#x103; oficial&#x103; sunt &#x21b;&#x103;ri s&#x103;race" FOLDED="true" ID="ID_2820953" CREATED="1651837081331" MODIFIED="1656857161655">
<node TEXT="Salvador" ID="ID_1197577894" CREATED="1651837124356" MODIFIED="1651837127345"/>
<node TEXT="Republica Central African&#x103;" ID="ID_180449331" CREATED="1651837100850" MODIFIED="1651837118194"/>
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<node TEXT="Pre&#x219;edintele Salvadorului a adunat 44 de &#x219;efi de b&#x103;nci centrale &#x219;i institu&#x21b;ii financiare" FOLDED="true" ID="ID_1292756025" CREATED="1653645502883" MODIFIED="1653645537917">
<node TEXT="https://cointelegraph.com/news/central-bankers-bellow-bitcoin-on-el-salvador-s-bitcoin-beach" ID="ID_725165859" CREATED="1653645610715" MODIFIED="1653645610715" LINK="https://cointelegraph.com/news/central-bankers-bellow-bitcoin-on-el-salvador-s-bitcoin-beach"/>
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<node TEXT="adop&#x21b;ia global&#x103; va propulsa pre&#x21b;ul Bitcoin exponen&#x21b;ial" FOLDED="true" ID="ID_4047969" CREATED="1651837173227" MODIFIED="1651837189776">
<node TEXT="odat&#x103; cu cre&#x219;terea num&#x103;rului de utilizatori cre&#x219;te" FOLDED="true" ID="ID_1203861333" CREATED="1651837815463" MODIFIED="1653645641331">
<node TEXT="intensitatea utiliz&#x103;rii" FOLDED="true" ID="ID_1949096898" CREATED="1653645641336" MODIFIED="1653645650195">
<node TEXT="money velocity" ID="ID_1517041802" CREATED="1653645650199" MODIFIED="1653645654825"/>
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<node TEXT="nevoia de Bitcoin pentru a face pl&#x103;&#x21b;i" ID="ID_1614626567" CREATED="1653645665884" MODIFIED="1653645675889"/>
</node>
<node TEXT="pentru un calcul de pre&#x21b;, vezi mai jos" ID="ID_1563840662" CREATED="1651837837491" MODIFIED="1651837852828"/>
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<node TEXT="care va fi pre&#x21b;ul BTC &#xee;n momentul adop&#x21b;iei globale" FOLDED="true" ID="ID_1960305315" CREATED="1651836659555" MODIFIED="1653653389544">
<node TEXT="BTC este o moned&#x103; defla&#x21b;ionist&#x103;" FOLDED="true" ID="ID_1226900298" CREATED="1651837189779" MODIFIED="1653653389542">
<node TEXT="masa monetar&#x103; actual&#x103; con&#x21b;ine 19 milioane de Bitcoin" ID="ID_1155643265" CREATED="1651837201468" MODIFIED="1653644424388"/>
<node TEXT="&#xee;n total vor fi 21 de milioane de Bitcoini" FOLDED="true" ID="ID_625413849" CREATED="1651837221907" MODIFIED="1651837236997">
<node TEXT="se vor mina p&#xe2;n&#x103; &#xee;n 2140" ID="ID_586894573" CREATED="1651837237001" MODIFIED="1651837266406"/>
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<node TEXT="va exista un num&#x103;r relativ constant de Bitcoin, dar num&#x103;rul utilizatorilor va cre&#x219;te exponen&#x21b;ial" FOLDED="true" ID="ID_1713457983" CREATED="1651837274921" MODIFIED="1651837318541">
<node TEXT="acum sunt aproximativ 106 milioane" FOLDED="true" ID="ID_1707346481" CREATED="1651837318547" MODIFIED="1651837485334">
<node TEXT="https://explodingtopics.com/blog/blockchain-stats" ID="ID_761427808" CREATED="1651837485338" MODIFIED="1653645768033" LINK="https://explodingtopics.com/blog/blockchain-stats"/>
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<node TEXT="una din 10 gospod&#x103;rii din EU de&#x21b;ine criptomonede" FOLDED="true" ID="ID_672136456" CREATED="1653645943418" MODIFIED="1653645958018">
<node TEXT="https://www.nasdaq.com/articles/one-in-ten-euro-zone-households-owns-crypto-assets-ecb-survey" ID="ID_1825682001" CREATED="1653645959297" MODIFIED="1653645959297" LINK="https://www.nasdaq.com/articles/one-in-ten-euro-zone-households-owns-crypto-assets-ecb-survey"/>
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<node TEXT="o cre&#x219;tere la 1 miliard ar &#xee;nsemna o multiplicare de 10x a bazei de consumatori" FOLDED="true" ID="ID_162219982" CREATED="1651837490359" MODIFIED="1651837640820">
<node TEXT="o estimare realist&#x103; ne spune c&#x103; odat&#x103; cu trecerea timpului, cre&#x219;te &#x219;i utilizarea." ID="ID_1540887219" CREATED="1651837686067" MODIFIED="1651837743870"/>
<node TEXT="O cre&#x219;tere de 10X concomitent cu o utilizare de 2x duce pre&#x21b;ul BTC spre 1 milion de dolari" ID="ID_948900156" CREATED="1651837747327" MODIFIED="1651837749814"/>
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<node TEXT="pe m&#x103;sur&#x103; ce adop&#x21b;ia va cre&#x219;te spre maximizare (2, 3 sau 4 miliarde de consumatori), pre&#x21b;ul BTC va cre&#x219;te &#xee;n consecin&#x21b;&#x103;" ID="ID_812804976" CREATED="1651837858809" MODIFIED="1651837910155"/>
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<node TEXT="semnele actuale care ne spun c&#x103; va veni adop&#x21b;ia global&#x103;" FOLDED="true" ID="ID_92571754" CREATED="1651836608426" MODIFIED="1651836644418">
<node TEXT="1. re&#x21b;eaua blockchain a Bitcoin este cel mai sigur sistem de inregistrare a tranzac&#x21b;iilor monetare, care exist&#x103; actualmente" FOLDED="true" ID="ID_899963458" CREATED="1651836720568" MODIFIED="1651836722284">
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    Re&#539;eaua Bitcoin nu a putut fi atacata cu succes niciodat&#259; de la implementarea sa.
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<node TEXT="&#xce;n acest moment, dac&#x103; toate supercomputerele din lume &#x219;i-ar uni &#x201e;for&#x21b;ele&#x201d;, nu ar putea s&#x103; realizeze un atac de succes pentru a modifica inregistr&#x103;rile din blockchain &#x219;i a modifica blockchainul dup&#x103; cum ar dori." ID="ID_732610748" CREATED="1651840349070" MODIFIED="1651840364662"/>
<node TEXT="Compar&#x103; aceast&#x103; realitate cu atacurile reu&#x219;ite asupra b&#x103;ncilor, a sistemelor de carduri de debit/credit &#x219;i vei vedea c&#x103; blockchainul de la Bitcoin nu are concuren&#x21b;&#x103; la ora actual&#x103;" ID="ID_1011629380" CREATED="1651840365192" MODIFIED="1651840377048"/>
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<node TEXT="2. sumele tranzac&#x21b;iilor realizate pe blockhainul de la Bitcoin sunt foarte mari" FOLDED="true" ID="ID_1316788664" CREATED="1651836722929" MODIFIED="1653656629064">
<node TEXT="&#xce;n primele patru luni ale anului 2022, sumele tranzac&#x21b;iilor realizate de BTC dep&#x103;&#x219;ea suma tuturor tranzac&#x21b;iilor realizate de cardurile Discover &#x219;i American Express (&#xee;mpreun&#x103;) &#x219;i a Paypal (separat)" FOLDED="true" ID="ID_23471939" CREATED="1651840378807" MODIFIED="1651840393928">
<node ID="ID_1542697338" CREATED="1651840404903" MODIFIED="1651840404903" LINK="https://cointelegraph.com/news/bitcoin-network-transaction-volume-surpasses-american-express-research"><richcontent TYPE="NODE">

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    <a http-equiv="content-type" content="text/html; charset=utf-8" href="https://cointelegraph.com/news/bitcoin-network-transaction-volume-surpasses-american-express-research" target="_blank" data-saferedirecturl="https://www.google.com/url?q=https://cointelegraph.com/news/bitcoin-network-transaction-volume-surpasses-american-express-research&amp;source=gmail&amp;ust=1651921746304000&amp;usg=AOvVaw3rfug4B8pmKsBbYGC3CbfA">https://cointelegraph.com/<wbr/>news/bitcoin-network-<wbr/>transaction-volume-surpasses-<wbr/>american-express-research</a>.
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    BTC mai are de depa&#537;it doar pe Visa &#537;i pe Mastercard, iar la rata de cre&#537;tere a volumului tranzac&#539;iilor (aproape 98% pe an) va realiza acest lucru &#238;n urm&#259;torii 2-3 ani. Cred c&#259; nu e nevoie de niciun comentariu.
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<node TEXT="3. Lightning Network este cea mai rapid&#x103; re&#x21b;ea de transferuri monetare din lume." FOLDED="true" ID="ID_268457878" CREATED="1651836732313" MODIFIED="1651840345201">
<node TEXT="Lightning Network (LN) este o re&#x21b;ea construit&#x103; deasupra blockchainului de la Bitcoin (Layer 2 sau L2), pe care &#xee;l folose&#x219;te pentru a-&#x219;i &#xee;nregistra tranzac&#x21b;iile." ID="ID_153835057" CREATED="1651840442900" MODIFIED="1653655457453"/>
<node TEXT="Iat&#x103; o compara&#x21b;ie:" FOLDED="true" ID="ID_1825562348" CREATED="1651840447236" MODIFIED="1651840459199">
<node ID="ID_116809360" CREATED="1651840467911" MODIFIED="1651840467911"><richcontent TYPE="NODE">

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    LN - milioane/miliarde de tranzac&#539;ii per secunda
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<node ID="ID_1393072562" CREATED="1651840487171" MODIFIED="1651840487171"><richcontent TYPE="NODE">

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    ETH 2.0 100.000 tps
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<node TEXT="Solana 65.000 tps" ID="ID_111506816" CREATED="1651840492566" MODIFIED="1651840503565"/>
<node ID="ID_21207281" CREATED="1651840512047" MODIFIED="1651840512047"><richcontent TYPE="NODE">

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    VISA 5200 tps (media &#238;n 2021)- maxim 65.000 tps
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</node>
<node TEXT="&#x201d;LN e mai bun&#x103; dec&#xe2;t cardurile de debit&#x201d;" FOLDED="true" ID="ID_1818495183" CREATED="1651840520945" MODIFIED="1651840624467">
<node TEXT="Morgan Stanley- una dintre cele mai mari b&#x103;nci din lume" ID="ID_401363049" CREATED="1651840625648" MODIFIED="1651840788606"/>
<node TEXT="https://bitcoinist.com/bitcoin-lightning-network-payments-morgan-stanley/" ID="ID_1281349832" CREATED="1651840640951" MODIFIED="1653655472647" LINK="https://bitcoinist.com/bitcoin-lightning-network-payments-morgan-stanley/"/>
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<node TEXT="4.Transferul de bani folosind blockchainul BTC" FOLDED="true" ID="ID_901041971" CREATED="1651836742780" MODIFIED="1651836788913">
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    La ora actual&#259;, exist&#259; solu&#539;ii func&#539;ionale pentru transfer de bani sau pentru pl&#259;&#539;i, folosind re&#539;eaua Lightning Network.&#160;
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<node FOLDED="true" ID="ID_729493849" CREATED="1651840839051" MODIFIED="1651840839051"><richcontent TYPE="NODE">

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    Acestea sunt destinate persoanelor particulare, care vor s&#259; transfere bani, mai ales din &#539;&#259;rile bogate la rudele lor din &#539;&#259;rile s&#259;race.
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<node TEXT="https://www.taylordailypress.net/el-salvador-places-50-bitcoin-processor-chivo-atms-in-the-united-states/" ID="ID_249892957" CREATED="1653657149637" MODIFIED="1653657149637" LINK="https://www.taylordailypress.net/el-salvador-places-50-bitcoin-processor-chivo-atms-in-the-united-states/"/>
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<node TEXT="transferurile actuale cu LN sunt mult mai ieftine dec&#xe2;t orice alternativ&#x103; actual&#x103;" FOLDED="true" ID="ID_1458806678" CREATED="1651840841173" MODIFIED="1651840884016">
<node TEXT="Dac&#x103; vrei s&#x103; transferi frac&#x21b;iuni BTC cu LN, te cost&#x103; 1 satoshi (0.02 centi USD azi)" FOLDED="true" ID="ID_907272795" CREATED="1651840884021" MODIFIED="1658736300258">
<node TEXT="https://www.bleskomat.com/" ID="ID_1813350934" CREATED="1653657183836" MODIFIED="1653657183836" LINK="https://www.bleskomat.com/"/>
</node>
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    Dac&#259; vrei s&#259; transferi USD &#238;n &#539;&#259;rile s&#259;race din Africa, te cost&#259; &#238;ntre 5.23 &#537;i 8.97%
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<node ID="ID_517001123" CREATED="1651840919766" MODIFIED="1651840919766" LINK="https://telcoin.medium.com/ripe-for-disruption-sub-saharan-africas-outrageously-expensive-remittance-corridors-353726c0f6d8"><richcontent TYPE="NODE">

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    <a http-equiv="content-type" content="text/html; charset=utf-8" href="https://telcoin.medium.com/ripe-for-disruption-sub-saharan-africas-outrageously-expensive-remittance-corridors-353726c0f6d8" target="_blank" data-saferedirecturl="https://www.google.com/url?q=https://telcoin.medium.com/ripe-for-disruption-sub-saharan-africas-outrageously-expensive-remittance-corridors-353726c0f6d8&amp;source=gmail&amp;ust=1651921746304000&amp;usg=AOvVaw0pHzW9zgoBV1egqfYg5Fln">https://telcoin.medium.com/<wbr/>ripe-for-disruption-sub-<wbr/>saharan-africas-outrageously-<wbr/>expensive-remittance-<wbr/>corridors-353726c0f6d8</a>)
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<node TEXT="sunt miliarde de oameni din &#x21b;&#x103;rile s&#x103;race care au nevoie de un asemenea serviciu de transfer de bani, la taxe extrem de mici" FOLDED="true" ID="ID_1964263958" CREATED="1651840921959" MODIFIED="1651840950808">
<node TEXT="trilioane de dolari sunt trimi&#x219;i acas&#x103;, la familie, &#xee;n &#x21b;&#x103;rile s&#x103;race, de emigran&#x21b;i din &#x21b;&#x103;rile bogate" ID="ID_1852585384" CREATED="1651840950813" MODIFIED="1651840983063"/>
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<node TEXT="5. Pl&#x103;&#x21b;i online folosind blockchainul BTC" FOLDED="true" ID="ID_145964247" CREATED="1651836813720" MODIFIED="1651836822572">
<node FOLDED="true" ID="ID_136882509" CREATED="1651841495913" MODIFIED="1651841495913" LINK="http://opennode.com"><richcontent TYPE="NODE">

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    <a http-equiv="content-type" content="text/html; charset=utf-8" href="http://opennode.com" target="_blank" data-saferedirecturl="https://www.google.com/url?q=http://opennode.com&amp;source=gmail&amp;ust=1651921746304000&amp;usg=AOvVaw2M9wJXPQZNEtpJxCRBibZ4">opennode.com</a> este un serviciu care proceseaz&#259; pl&#259;&#539;i pentru comercian&#539;i, folosind LN.
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    Ca &#537;i comerciant, po&#539;i accepta pl&#259;&#539;i &#238;n criptomonede, dar po&#539;i s&#259; accep&#539;i &#537;i pl&#259;&#539;i &#238;n cele mai uzuale monede &#537;i s&#259; primeti acele pl&#259;&#539;i &#238;n moneda &#539;&#259;rii tale.
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<node TEXT="pre&#x21b;urile sunt competitive fa&#x21b;&#x103; de ofertele tradi&#x21b;ionale actuale" FOLDED="true" ID="ID_1050124676" CREATED="1651841510195" MODIFIED="1651841540684">
<node ID="ID_93285676" CREATED="1651841542192" MODIFIED="1651841542192" LINK="http://opennode.com"><richcontent TYPE="NODE">

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    Taxe de transfer la <a http-equiv="content-type" content="text/html; charset=utf-8" href="http://opennode.com" target="_blank" data-saferedirecturl="https://www.google.com/url?q=http://opennode.com&amp;source=gmail&amp;ust=1651921746304000&amp;usg=AOvVaw2M9wJXPQZNEtpJxCRBibZ4">opennode.com</a>: 1%
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<node TEXT="Taxe de transfer la VISA: de la 1.15% +$0.25 la 2.70% + $0.10" ID="ID_148370028" CREATED="1651841546039" MODIFIED="1651841554565"/>
<node TEXT="serviciile de procesare de pl&#x103;&#x21b;i folosind LN sunt la &#xee;nceput. Pe m&#x103;sur&#x103; ce tot mai multe firme vor ap&#x103;rea, taxa de transfer va sc&#x103;dea foarte mult datorit&#x103; concuren&#x21b;ei." ID="ID_1334533009" CREATED="1651841555551" MODIFIED="1651841567946"/>
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<node TEXT="6. &#xce;mprumuturi garantate cu Bitcoin" FOLDED="true" ID="ID_218181633" CREATED="1651836822909" MODIFIED="1653658230725">
<node TEXT="&#xee;n aprilie 2022, firma Micostrategies a luat un &#xee;mprumut &#xee;n dolari, garantat cu BTC, pentru a cump&#x103;ra... al&#x21b;i BTC" FOLDED="true" ID="ID_1871801266" CREATED="1651841596925" MODIFIED="1651841606054">
<node TEXT="https://www.coindesk.com/business/2022/03/29/microstrategys-unit-gets-205m-collateral-loan-from-silvergate-to-buy-bitcoin" ID="ID_484529709" CREATED="1651841610286" MODIFIED="1653644769198" LINK="https://www.coindesk.com/business/2022/03/29/microstrategys-unit-gets-205m-collateral-loan-from-silvergate-to-buy-bitcoin"/>
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<node TEXT="Coinbase (al doilea exchange de criptomonede la nivel mondial, dup&#x103; Binance) a &#xee;mprumutat de la Goldman Sachs dolari, garant&#xe2;nd cu BTC" FOLDED="true" ID="ID_13188308" CREATED="1651841620413" MODIFIED="1653657213829">
<node TEXT="https://www.vccircle.com/coinbase-takes-loan-from-goldman-sachs-using-bitcoin-as-collateral-report" ID="ID_1867514343" CREATED="1651841668668" MODIFIED="1651841668668" LINK="https://www.vccircle.com/coinbase-takes-loan-from-goldman-sachs-using-bitcoin-as-collateral-report"/>
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<node TEXT="Urm&#x103;torul pas vor fi &#xee;mprumuturile realizare de b&#x103;nci c&#x103;tre popula&#x21b;ie, garantate cu BTC." ID="ID_21508716" CREATED="1651841670037" MODIFIED="1653658230723"/>
<node TEXT="Cele dou&#x103; &#x219;tiri de mai sus ne arat&#x103; c&#x103; sistemul financiar bancar actual accept&#x103; faptul c&#x103; BTC este un depozit al valorii, una din func&#x21b;iile banilor." ID="ID_856614508" CREATED="1651841689923" MODIFIED="1651841691756"/>
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<node TEXT="toate aceste argumente provin din realitatea actual&#x103;" FOLDED="true" ID="ID_959310029" CREATED="1651840657927" MODIFIED="1653657253105">
<node TEXT="sunt servicii func&#x21b;ionale, care &#xee;n stadiile foarte incipiente" ID="ID_1553360893" CREATED="1651840683689" MODIFIED="1651840719367"/>
<node TEXT="sunt servicii mult mai bune dec&#xe2;t serviciile existente actual" ID="ID_1626517906" CREATED="1651840720340" MODIFIED="1651840734598"/>
<node TEXT="inevitabil vor fi preferate de pia&#x21b;a de afaceri &#x219;i de consumatori" ID="ID_1365904001" CREATED="1651840734799" MODIFIED="1653657253104"/>
<node TEXT="acest lucru va duce la cre&#x219;terea adop&#x21b;ia mondial&#x103; a BTC" FOLDED="true" ID="ID_1832614700" CREATED="1651840749737" MODIFIED="1651840768342">
<node TEXT="BTC, care este &#xee;ntr-o etap&#x103; de adop&#x21b;ie timpurie, va avea o ascensiune fulminant&#x103;, ajung&#xe2;nd s&#x103; aib&#x103; o folosire mondial&#x103;, av&#xe2;nd toate caractersticile banilor:" FOLDED="true" ID="ID_363721291" CREATED="1651841761488" MODIFIED="1651841791154">
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    mijloc de depozitare a valorii
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<node TEXT="mijloc de schimb &#x219;i plat&#x103;" ID="ID_1454345034" CREATED="1651837644804" MODIFIED="1651841814502"/>
<node TEXT="unitate de cont" ID="ID_1092744628" CREATED="1651841814745" MODIFIED="1651841818504"/>
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