{"id":1323,"date":"2014-08-08T16:34:40","date_gmt":"2014-08-08T16:34:40","guid":{"rendered":"http:\/\/bitcoinromania.ro\/?p=1323"},"modified":"2026-03-01T13:46:47","modified_gmt":"2026-03-01T11:46:47","slug":"isi-poate-tine-bitcoin-promisiunea-facuta-lumii-nebancate","status":"publish","type":"post","link":"https:\/\/bitcoinromania.ro\/blog\/isi-poate-tine-bitcoin-promisiunea-facuta-lumii-nebancate\/","title":{"rendered":"\u00ce\u0219i poate \u021bine Bitcoin promisiunea f\u0103cut\u0103 lumii nebancate?"},"content":{"rendered":"

Jason Tyra este un contabil autorizat \u0219i ACFE Certificat Examinator de Fraud\u0103. \u00cen acest articol, el evalueaz\u0103 poten\u021bialele beneficii Bitcoin oferite pentru lumea s\u0103rac\u0103 \u0219i nebancate, \u0219i prezint\u0103 ceea ce trebuie f\u0103cut pentru a oferi acest acces neservit popula\u021biei la tehnologia sa inovatoare.<\/p>\n

\"1\"<\/a><\/p>\n

\u00cen timp ce mul\u021bi occidentali relativ boga\u021bi au adoptat Bitcoin ca o declara\u021bie politic\u0103, o m\u0103sur\u0103 de reducere a costurilor sau o curiozitate tehnic\u0103, o foarte mic\u0103 parte din utilizatorii s\u0103i au f\u0103cut acest lucru, ca urmare a cerin\u021belor proprii \u0219i circumstan\u021belor politice sau socio-economice.<\/p>\n

Cu toate acestea, pentru cei care ar putea avea de c\u00e2\u0219tigat cel mai mult de la moneda digital\u0103 – oamenii s\u0103raci \u0219i nebanca\u021bi care locuiesc \u00een regiunile de dezvoltare ale lumii – Bitcoin r\u0103m\u00e2ne \u00een mare parte o moned\u0103 digital\u0103 inaccesibil\u0103.<\/p>\n

O privire obiectiv\u0103 la c\u00e2teva din caracteristicile Bitcoin \u0219i modul \u00een care acestea se aplic\u0103 \u00een \u021b\u0103rile \u00een curs de dezvoltare arat\u0103 c\u0103 ecosistemul are unele \u00eenc\u0103peri care pot fi dezvoltate \u00eenainte de a putea ob\u021bine trac\u021biuni printre s\u0103racii lumii. Prin subliniarea unora dintre aceste limit\u0103ri, sper s\u0103 ajute dezvoltarea stimulent\u0103 de solu\u021bii inovatoare pentru a le atenua.<\/p>\n

Un refugiu de insecuritate<\/strong><\/p>\n

Bitcoin este o op\u021biune bun\u0103 pentru stocarea bog\u0103\u021biei \u00een care guvernele \u0219i \/ sau b\u0103nci sunt nedemne de \u00eencredere, restrictive, sau indisponibile. C\u00e2nd nedemn de \u00eencredere, o spun \u00een sensul cel mai literal.<\/p>\n

\u00cen ciuda lipsei justi\u021biei sociale criticate de unii adoptatori ale monedelor Bitcoin, statul de drept \u0219i sfin\u021benie de proprietate privat\u0103 sunt \u00eenc\u0103 ipoteze de \u00eencredere \u00een Statele Unite \u0219i multe alte \u021b\u0103ri occidentale. Marea majoritate a oamenilor care tr\u0103iesc \u00een \u021b\u0103rile dezvoltate nu pot adormi noaptea \u00eentreb\u00e2ndu-se dac\u0103 banca lor va fi na\u021bionalizat\u0103 \u00een timpul nop\u021bii sau casa lor confiscat\u0103 de c\u0103tre stat.<\/p>\n

Bog\u0103\u021bia care a avut loc \u00een monede Bitcoin poate fi stocat\u0103 \u00een siguran\u021b\u0103 f\u0103r\u0103 comisioane de tranzac\u021bionare pentru o perioad\u0103 nedeterminat\u0103. Monedele Bitcoin nu pot fi u\u0219or expropriate de c\u0103tre stat, sau limitate \u00een mod semnificativ \u00een mi\u0219carea lor \u00eentre jurisdic\u021bii de controale de capital. Ele nu pot fi devalorizate \u00een timp prin politici monetare infla\u021bioniste.<\/p>\n

Obstacole bancare<\/strong><\/p>\n

\u00cencep\u00e2nd cu \u00eentrebarea de ce oamenii nu dispun de conturi bancare \u00een primul r\u00e2nd, Bitcoin nu este neap\u0103rat de ajutor. Un raport al B\u0103ncii Mondiale, \u00een 2012, citat de cost, distan\u021ba de la o instala\u021bie bancar\u0103 \u0219i obstacolele birocratice ar fi motivele pentru care mai mult de 2,5 miliarde din popula\u021bia s\u0103rac\u0103 a lumii duc lipsa unui cont bancar.<\/p>\n

Printre acestea, costul Bitcoin poate fi unicul s\u0103u punct slab, dar este unul semnificativ. Costul nu este doar o m\u0103sur\u0103 a taxelor percepute de b\u0103nci pentru privilegiul de a men\u021bine un cont, dar, de asemenea, unul dintre oportunit\u0103\u021bile de a consuma.<\/p>\n

Dac\u0103 nu e\u0219ti un miner, singura modalitate de a ob\u021bine monede Bitcoin este s\u0103 le primea\u0219ti \u00een plat\u0103 sau s\u0103 le cumperi cu moneda discre\u021bionar\u0103. Achizi\u021bionarea monedei discre\u021bionar\u0103 necesit\u0103, de obicei, un cont bancar sau cel pu\u021bin o modalitate de a trimite bani la nivel interna\u021bional. Av\u00e2nd un cont bancar \u00eenseamn\u0103 c\u0103 ave\u021bi identificare oficial\u0103 (un obstacol birocratic) \u0219i, de asemenea, c\u0103 a\u021bi fost \u00een stare s\u0103 am\u00e2na\u021bi consumul suficient de mult timp pentru a avea bani pe care nu ave\u021bi nevoie s\u0103-i cheltui\u021bi imediat.<\/p>\n

Acela\u0219i lucru ar fi valabil \u0219i pentru avererile „stocate” \u00een Bitcoin. Acest lucru poate fi extrem de dificil pentru persoanele care traiesc cu m\u00e2n\u0103 la gur\u0103.<\/p>\n

\u00cen ceea ce prive\u0219te mineritul, cantitatea de energie \u0219i de energie electric\u0103 necesare \u00een acest moment pentru a mina monede Bitcoin \u00een locuri unde aceast\u0103 activitate este la \u00eendem\u00e2na tuturor, dar mai ales la celor mai boga\u021bi entuzia\u0219ti. Pentru un cet\u0103\u021bean al lumii in curs de dezvoltare, diamante miniere sau de aur sunt probabil s\u0103 fie mult mai u\u0219or de minerit dec\u00e2t monedele dec\u00e2t Bitcoin.<\/p>\n

\"1\"<\/a><\/p>\n

Puncte sufocante<\/strong><\/p>\n

Este important s\u0103 subliniem c\u0103 remiten\u021bele sunt o surs\u0103 important\u0103 de cash-flow pentru familiile din \u021b\u0103rile \u00een curs de dezvoltare care au rude care tr\u0103iesc \u00een Statele Unite ale Americii sau a altor na\u021biuni mai dezvoltate. Bitcoin are o utilizare de ni\u0219\u0103 pentru transferuri foarte low-cost, cu condi\u021bia ca beneficiarul s\u0103 aib\u0103 un mod de a cheltui monede Bitcoin sau de a le converti la monede discre\u021bionare.<\/p>\n

Cei mai mul\u021bi dintre utilizatorii de Bitcoin vor trebui \u00een cele din urm\u0103 s\u0103 se converteasc\u0103 la moneda discre\u021bionar\u0103 pentru a pl\u0103ti impozite sau magazin \u00een locuri care nu accept\u0103 crypto monede.<\/p>\n

\u00cen Statele Unite, a face acest tip de afacere cu furnizori de renume de obicei necesit\u0103 un cont bancar, \u00een timp ce achizi\u021biile pot solicita, de asemenea, un card de credit. Dac\u0103 nu ave\u021bi un cont bancar \u0219i de card de credit din SUA, \u00een acest caz nu ave\u021bi noroc.<\/p>\n

\u00cen alte \u021b\u0103ri, schimbul valutar la nivel de strad\u0103 ar putea fi capabil s\u0103 \u00eendeplineasc\u0103 aceast\u0103 cerere p\u00e2n\u0103 la un punct. Cu toate acestea, banii \u00een schimbare \u0219i specula\u021biile valutare sunt ilegale pentru cet\u0103\u021benii din mai multe \u021b\u0103ri, f\u0103r\u0103 o licen\u021b\u0103 (sau deloc). De altfel, acestea sunt \u021b\u0103rile \u00een care Bitcoin este probabil s\u0103 fie atractiv din cauza guvernelor opresive.<\/p>\n

Caracteristicile Bitcoin care ofer\u0103 posibilitatea utilizatorilor s\u0103 „fie propriul lor bancar”, de asemenea, se plaseaz\u0103 la \u00eendem\u00e2na vastelor f\u00e2\u0219ii ale umanit\u0103\u021bii.<\/p>\n

Ast\u0103zi, trebuie s\u0103 ave\u021bi unul din dou\u0103 lucruri pentru a utiliza Bitcoin: un calculator cu o conexiune la Internet, care este suficient de puternic s\u0103 se ocupe de interac\u021biunea direct\u0103 cu lan\u021bul de bloc sau capacitatea de a accesa un service de parte ter\u021b\u0103 (de exemplu: folosind propriul computer, folosind un calculator public, cum ar fi la un Internet cafe sau bibliotec\u0103 sau folosind un telefon mobil conectat la web).<\/p>\n

Micro-creditare \u0219i SMS<\/strong><\/p>\n

Bitcoin este perfect pentru genul de antreprenoriat la scar\u0103 mic\u0103, care este sus\u021binut\u0103 de micro creditori (Kiva fiind un exemplu bun) \u0219i nu pentru organiza\u021bii non-profit din zonele s\u0103race.<\/p>\n

\u00cen esen\u021b\u0103, mici \u00eemprumuturi sau granturi pot fi folosite pentru a cump\u0103ra o motociclet\u0103, un telefon mobil, efectivele de animale \u0219i a\u0219a mai departe. Aceste elemente, la r\u00e2ndul lor, sunt folosite drept capital pentru \u00eentreprinderile mici, profiturile din care sunt utilizate pentru a rambursa \u00eemprumutul. Bitcoin este o modalitate extrem de ieftin\u0103 \u0219i cu un risc sc\u0103zut pentru antreprenorii \u00een devenire s\u0103 accepte plata, dar numai \u00een cazul \u00een care cump\u0103r\u0103torul \u0219i v\u00e2nz\u0103torul au ambii smartphone-uri cu internet care ruleaz\u0103 software-ul activat Bitcoin.<\/p>\n

Potrivit unui studiu de 24 de \u021b\u0103ri \u00een curs de dezvoltare realizat de c\u0103tre Centrul de Cercetare Pew, chiar \u0219i \u00een cazul \u00een care serviciul de Internet este disponibil, smartphone-uri sunt \u00eenc\u0103 relativ rare \u0219i multe \u00een lume, cu un acces limitat la Internet, folosind computere publice.<\/p>\n

Telefoane mobile sunt de obicei utilizate pentru a face pl\u0103\u021bi \u00een aceste \u021b\u0103ri, \u00een special utilizatorii de servicii precum M-Pesa, dar astfel de servicii folosesc \u00een mod normal o func\u021bie de SMS, mai degrab\u0103 dec\u00e2t o aplica\u021bie sofisticat\u0103. \u00cen timp ce, unii \u00eencep\u0103tori ofer\u0103 servicii care s\u0103 permit\u0103 oamenilor s\u0103 trimit\u0103 \u0219i s\u0103 primeasc\u0103 Bitcoin prin text, ei \u00eenc\u0103 mai au o cale de a merge \u00eenainte de a fi utilizate \u00een mod obi\u0219nuit.<\/p>\n

Solu\u021bii realiste necesare<\/strong><\/p>\n

Deci, acum, dac\u0103 nu ave\u021bi nicio modalitate de a ob\u021bine online, atunci va trebui moduri foarte limitate de a trimite sau primi Bitcoin. \u0218i, dac\u0103 nu ave\u021bi un cont bancar, atunci este Bitcoin pu\u021bin probabil s\u0103 fie o solu\u021bie eficient\u0103 pentru problema ta, deoarece Bitcoin se cere un cont bancar pentru majoritatea utilizatorilor pentru a tranzac\u021biona \u00een mod eficient pe perioade lungi de timp.<\/p>\n

Pentru toate func\u021biile lor pozitive, crypto monedele sunt \u00een mare parte inaccesibile pentru lumea in curs de dezvoltare pentru de acum. Schimbarea aceasta va necesita utilizatori Bitcoin pentru a dezvolta solu\u021bii robuste \u0219i realiste, care se vor pune \u00een m\u00e2inile oamenilor care au nevoie de ea cel mai mult.<\/p>\n

Ave\u021bi propriile idei? Sim\u021bi\u021bi-v\u0103 liber s\u0103 le \u00eemp\u0103rt\u0103\u0219i\u021bi \u00een comentarii.<\/p>\n

Acest articol a fost republicat aici cu permisiunea autorului. Ini\u021bial publicat pe blogul de impozitare Bitcoin al lui Jason.<\/p>\n

Disclaimer: Opiniile exprimate \u00een acest articol sunt cele ale autorului \u0219i nu reprezint\u0103 \u00een mod necesar punctele de vedere ale celor despre care se discut\u0103 \u0219i nu ar trebui s\u0103 fie atribuite c\u0103tre CoinDesk.<\/p>\n","protected":false},"excerpt":{"rendered":"

Jason Tyra este un contabil autorizat \u0219i ACFE Certificat Examinator de Fraud\u0103. \u00cen acest articol, el evalueaz\u0103 poten\u021bialele beneficii Bitcoin oferite pentru lumea s\u0103rac\u0103 \u0219i nebancate, \u0219i prezint\u0103 ceea ce trebuie f\u0103cut pentru a oferi acest acces neservit popula\u021biei la tehnologia sa inovatoare. \u00cen timp ce mul\u021bi occidentali relativ boga\u021bi au adoptat Bitcoin ca o declara\u021bie politic\u0103, o m\u0103sur\u0103 de reducere a costurilor sau o curiozitate tehnic\u0103, o foarte mic\u0103 parte din utilizatorii s\u0103i au f\u0103cut acest lucru, ca urmareRead More<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[597],"class_list":["post-1323","post","type-post","status-publish","format-standard","hentry","category-bitcoin","tag-bitcoin"],"yoast_head":"\n\u00ce\u0219i poate \u021bine Bitcoin promisiunea f\u0103cut\u0103 lumii nebancate? 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