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「bills」を含む日記RSS

はてなキーワード:billsとは

2025-12-10

チャットGPTに聞いてみた内容

GENIUS法(2025年7月署名

レポートによると、この法律米国デジタル資産特に「決済用ステーブルコイン」に関する連邦レベルの明確なルールを定めたものです。

1. 核心となる規制内容:100%準備金の義務

最も重要規定は、ステーブルコイン発行者に対する厳格な資産裏付け要件です。

要件現金Cash)または短期米国債(Short-term T-bills)による100%の準備金を保持しなければならない。

目的: ステーブルコインリスク取り付け騒ぎやデペグ)を排除し、米ドルと同等の安全性を持たせること。

結果: これにより、ステーブルコイン実質的に「デジタルドル」としての地位確立し、銀行機関投資家安心して扱える資産となりました。

2.技術要件コンプライアンスプライバシーの両立

法律の遵守(コンプライアンス)に伴い、ブロックチェーン側にも新たな技術仕様が求められるようになりました。機関投資家が利用するためには、以下の2点が必要です。

KYC/AMLへの対応顧客確認(KYC)およびマネーロンダリング対策AML)を効率的に満たす仕組み。

選択プライバシー機能: すべての取引が公開されるパブリックチェーンではなく、機関取引内容(金額相手)を保護できるプライバシー機能

3.取引速度要件:即時完了性(Instant Finality)

金融取引の決済において、不確実な時間排除することが求められます

要件: 「サブ秒(1秒未満)」での取引完了(ファイナリティ)。

背景: 従来の銀行システムや高頻度取引匹敵するスピード必要とされています

市場ブロックチェーンへの影響(勝者と敗者)

この法律施行により、既存ブロックチェーン勢力図に変化が生じると予測されています

イーサリアム (ETH)は死亡

取引完了12秒かかる点と、全ての取引が透明(プライバシーがない)である点が、機関投資家ニーズ(即時決済・秘匿性)と合致しないため、機関マネーの受け皿として不利になる。

新興L1 (Arc,Tempo, Plasma)が台頭する

規制準拠GENIUS対応)を前提に設計されており、「選択プライバシー」と「サブ秒の完了性」を持つため、機関投資家のステーブルコイン業務シェアを奪う。

ソラナ (SOL)は大丈夫

小売(リテール)分野で拡大しつつ、2026年初頭の「Firedancer(アップグレード)」により処理能力と速度を向上させ、機関向け業務の獲得も狙う。

これらの動きがなぜBTCの価格上昇につながるのか

もっともな疑問です。GENIUS法やイーサリアム技術的な話(DeFiやステーブルコイン)は、一見すると「アルトコインブロックチェーン技術」の話であって、「なぜそれがビットコイン(BTC)の価格を押し上げるのか?」というつながりが見えにくいですよね。

レポート論理を紐解くと、これらは「お金入り口パイプ)」と「最終的な行き先(貯蔵庫)」の関係説明されています

なぜ「アルトコイン規制の話」が「BTC爆上げ」につながるのか、3つのロジック解説します。

1.GENIUS法は「機関投資家マネー高速道路」を作るから

GENIUS法でステーブルコインが「100%現金/国債裏付け」になり、国の認可を受けるということは、銀行大企業が堂々とブロックチェーンお金を入れられるようになることを意味します。

これまで:規制が怖くて、機関投資家は巨額の資金クリプト市場に入れにくかった。

これからGENIUS法後): 「デジタルドル(ステーブルコイン)」として安全資金ブロックチェーン上に持ち込める。

BTCへの波及:クリスプト市場に入ってきた数兆円規模の「機関投資家資金」は、最終的にどこに向かうか?

リスクの高いアルトコインではなく、最も流動性が高く、価値の保存手段として認められているビットコインに、ポートフォリオの核として資金が流れます。つまり、ステーブルコインは「入り口」であり、その資金が向かう「本命投資先」がBTCという構造です。

2. 「デジタルゴールド」としての地位確立するから

レポートでは「金(ゴールド)が下がって、BTCが上がる」と予測しています

イーサリアムなどの役割: 送金、契約DeFiなどの「実用技術担当技術競争(速度やプライバシー)で勝ったり負けたりする。

ビットコイン役割デジタルな「国家レベル資産(Sovereign Asset)」。

ロジックGENIUS法などで市場全体が信頼できるものになればなるほど、「インターネット上の基軸通貨」としてのBTCの地位が盤石になりますドルが強い環境下で、投資家が金(ゴールドから資金を抜く際、その避難先として選ばれるのが「規制された市場王様であるBTCになる、という理屈です。

3.企業の「余剰資金」がBTCに流れる(OB3法案の影響)

これはイーサリアムとは別の話ですが、レポートにある重要な要素です。

OB3(大型減税法案):法人税が下がり、企業の手元に現金が増える。

レジリー財務戦略):企業はその余った現金をただ持っているだけでなく、インフレヘッジなどのために運用したい。

BTCへの波及: 既にマイクロストラテジーなどがやっているように、企業の準備資産(トレジリー)としてBTCを購入する動きが加速する。「ETF企業保有供給11.7%がロックされる」というのは、この動きを指しています

まり一言で言うと...

GENIUS法で『道路』が整備され、OB3減税で『軍資金』を得た企業が、最終的に『土地(BTC)』を買い占めに来る」 というシナリオです。イーサリアムやソラナの話は「道路工事競争」の話であり、BTCの話は「値上がりする土地」の話として区別されています

半減期だけど大丈夫

ビットコイン価格を語る上で欠かせない「半減期(Halving)」について、基本的な仕組みと、今回のレポートがなぜそれを「あまり重要ではない」と見ているのかを解説します。

ビットコイン半減期とは?

半減期とは、ビットコイン新規供給量が文字通り半分になるイベントです。

1. 仕組み

時期: 約4年に一度(正確には21万ブロックが生成されるごと)。

内容:ビットコインマイニング採掘報酬が半分になります

2.目的効果デフレ資産: BTCの発行量を計画的に減らすことで、希少性を高めます

これにより、ビットコインインフレ耐性のあるデジタルゴールドとしての性質を持ちます

供給ショック:市場に新しく出回るBTCの量が突然減るため、需要が変わらなければ、理論上は価格に上昇圧力がかかります

ポイント】 これまでの歴史上、半減期の約1年後には価格が大幅に上昇する傾向が見られてきました。これが従来の「4年サイクル」の根拠です。

📈レポートが「半減期はあまり重要ではない」と語る理由

今回のサイクル(2025年2026年)では、半減期ポジティブな影響をマクロ経済の力が上回ると主張しています

1. 「供給ショック」から構造的な需要」へ

レポートは、価格の牽引役が「供給側(半減期)」から需要側(機関投資家)」に移ったと分析しています

2.半減期ネガティブを跳ね返す「3つの強い要因」

レポートが、半減期による価格の緩やかな上昇を超える力を持つと見ているのが、以下の3つの強烈な需要側の要因です。

(1)機関投資家ETFによる「恒久的な需要

具体的な数値:ETF企業財務保有DAT)が、既にBTCの**総供給量の約11.7%を保有している。

意味合い: これは、市場で売買される流動的なBTCが減り、価格変動に強い「硬い需要の層」が形成されたことを意味します。この構造的な買い圧力が、半減期供給量が減る効果よりも強力だと見られています

(2)米国財政政策による「大規模な資金流入

GENIUS法: ステーブルコイン規制整備により、数兆円規模の機関投資家マネー参入障壁が取り払われる(前の回答で説明した「高速道路」の整備)。

OB3法案:企業減税により、企業の余剰資金法人マネー)がBTCに流れるインセンティブが強化される。

結論:規制環境改善企業資金力投入が、単なる半減期では達成できないほどの、持続的で巨大な需要を生み出すと予測されています

(3)ドル高・金安環境下での「主権資産への格上げ

レポートは、金利ドル高の環境が続く中で、利回りのない金(ゴールド)は調整局面に入ると予測しています

対照的に、規制整備と機関参入を経たBTCは「主権格の価値の保管手段」としてゴールドポジションを奪い取るとされています

【まとめ】

このレポートシナリオでは、半減期は依然として重要ですが、その効果は「マクロ経済の潮目」と「機関投資家構造的な買い」という、より大きな波に飲み込まれ2026年までの長期的な高値形成の要因となるということです。

まり、「半減期が弱いかどうか」ではなく、**「機関投資家採用半減期を上回るほど強い」**というのが、レポートの主張です。

Permalink |記事への反応(1) | 10:54

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2021-10-29

anond:20211029135321

七里ヶ浜駅付近billsで朝食(リコッタパンケーキ)を食べて、

駅一区間海岸線をお散歩

スラムダンクで有名な海が見える踏切記念撮影

鎌倉高校前からまた江ノ電に乗って江ノ島

昼にしらす丼とか食べて江ノ島水族館ぶらぶら

早めに切り上げてホテルエッチ

以上

Permalink |記事への反応(1) | 14:00

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2021-10-16

やってらんねーってなったので

仕事で諸々あーーーやってられっかーーーーとなったので

久々に会社トイレからスマホで宿を予約し金曜夜から温泉に飛んだ

とはいえ行き先は町田スパ

自分からはそこそこ遠いので小旅行感が出るところと

スパ銭だがちゃんと泊まれる個室があるところ

あと館内着とタオルが使い放題なところが気に入ってる

あと泉質が関東あるあるの黒湯じゃなくて湯河原から運んできたやつなところもいい

到着は21時過ぎだったが食堂普通にやってたしビールも飲めた最高

飯を好きな時間に食えることの有り難みを感じる

その後大浴場に行った

スパ銭に宿泊するいちばんメリットは、ほぼ無人状態風呂に入れることなんだけど

今回はそこそこ人がいた

とはいえ3〜4組だけど

露天風呂に入ってサウナに入って水風呂に入って外でごろごろしてを2時間くらいループ

上がって24時間営業食堂ソフトクリーム食べて部屋に戻る

ベッドでゴロゴロしてたら睡魔が来て電気付けたまま寝入ってしまった

朝はのんびり8時半くらいに起きて朝風呂

朝食は10時くらいに食べてチェックアウト11

することもないので海でも見に行くかと思い藤沢

藤沢から江ノ電に乗り七里ヶ浜で降りて海をぼけーっと一時間くらい見る

とんびがめちゃめちゃ飛んでて怖かった

七里ヶ浜billsパンケーキでも食べようかなと思ってたんだけど並んでたのとお腹も空いてなかったのでなんとなくぶらぶら海沿いに歩いて稲村ヶ崎

稲村ヶ崎に海に面した日帰り温泉ができていた

そこそこ高かったがちょうど雨も降ってきたとこだったため入ることにする

本日2回目の温泉 最高である

かい窓を開け放していて目の前に水平線が見える風呂

サウナもあったので結局また2時間くらい入ってしまった

一階の食堂で海を眺めながらビールを飲んで雨が止むのを待ち帰ってきた

帰りにりんご専門店りんご飴と言うやつを買った、りんごが単純にめちゃくちゃ美味かった

いやー癒えた癒えた楽しかった

Permalink |記事への反応(6) | 21:57

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2020-04-29

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XI. DISCLAIMER OF WARRANTIES

YOU AGREE THATYOUR USE OF THE APP ANDITS SERVICES SHALL BEATYOURSOLE RISK. THE SERVICESAND ALL THE MATERIALS, INFORMATION,SOFTWARE, CONTENT INTEGRATED IN THE APP ARE PROVIDEDASIS” AND “AS AVAILABLE”. WE DO NOTMAKEANY WARRANTIES OFANY KIND, EITHEREXPRESS OR IMPLIED, WITH REGARD TO THE MERCHANTABILITY, TECHNICAL COMPATIBILITY OR FITNESS FOR A PARTICULAR PURPOSE OFANY SERVICE, PRODUCTS OR MATERIAL PROVIDED PURSUANT TO THISAGREEMENT. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINEDON OR THROUGH THE SERVICESWILL BE AVAILABLE, UNINTERRUPTED ORERROR-FREE, THAT DEFECTSWILL BE CORRECTED, OR THAT THE SER

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2019-07-10

Terms of Use

I. INTRODUCTION

These Terms of Use and EndUser LicenseAgreement (collectively, the “Agreement”)together withall the documents referred to init constitute a legally bindingagreementmadebetweenyouas anatural person (“you”, “your” or “user”) and We (“we,” “us” or “our”), concerningyouraccess to and use of thesoftwareapplication formobile devices (the “App”).

All the documents that relate to the App are herebyexpressly incorporated hereinby reference.

Please read thisAgreement carefully beforeyoudownload, install or use the App.

Itis important thatyou read and understand thisAgreementasbydownloading, installing or using the Appyou indicate thatyou have read, understood, agreedand accepted theAgreement whichtakes effecton thedateon whichyoudownload, install or use the App.By using the Appyou agree to abideby thisAgreement.

Ifyou do not agree with (do notaccept) thisAgreement, or ifyou do not agreeat least withone of the provisions of thisAgreement,you are notauthorized to, andyoumay notaccess,download, install or use the App andyou must ly discontinuedownloading, installing the App and remove (delete) the App fromanymobile device inyour possession or underyour control.

II.CHANGES TO THISAGREEMENT

We reserve the right,at oursole discretion, tomakechanges or modifications to thisAgreementatanytime and foranyreason. Wewill keepyou informed aboutanychangesby updating thisAgreement andyouwaiveany right to receive specific notice of each suchchange.Itisyour responsibility to periodicallyreview thisAgreement tostay informed of updates.Youwill be subject to, andwill be deemed to be aware of and to haveaccepted,the changes inany revisedAgreementbyyourcontinued use of the App after thedate such revisedAgreementis posted.

III. RESTRICTIONSONWHO CAN USE THE APP

In order todownload, install,access or use the App,you must (a) be eighteen (18) years ofage or older.

Alluserswho are minors in thejurisdiction in which they reside (generally under theage of 18) must have the permission of, and be directly supervisedby, their parent or guardian to use the App, so ifyou arebetween theages of thirteen (13) andseventeen (17) years andyouwish to usedownload, install,access or use the App, before doing soyou must: (a)assure and confirm (ifneeded) thatyour parent or guardian have readand agree (getyour parent or guardian’s consent) to thisAgreement prior toyou using the App; (b) havethe power to enter a binding contract with us and not be barred from doing so underany applicablelaws.

Parents and guardians must directly superviseany use of the Appby minors.

Any person under theage of thirteen (13) yearsis not permitted todownload, install,access or use the App.

You affirm thatyou are eithermore than eighteen 18 years ofage, or an emancipated minor, or possess legal parental or guardian consent,and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warrantiessetforth in thisAgreement, and to abideby and complywith thisAgreement.

IV. GENERAL TERMS

The Appis a utility program designed to enhanceyour device experience. The Appallows toscanany types of document to high qualityPDF orJPEG; to save and storeanyscan copies of documentsonyourmobile devices; toshareyourscansvia email; uploadscanned documents to cloud serviceslikebox,Evernote orGoogle Drive (see the full performance liston the App’s pageonitunes.apple.com).All documents shall be stored locallyonyour device and shall never be sent toany third-party unlessyou export them to other apps or devicesby means of the App.

The Appis intendedonly foryour personal non-commercial use.You shall use the Apponly for the purposes, mentioned above.

V. PRIVACY POLICY

Your privacyis very important to us. Accordingly, we have developed the Privacy Policy in order foryou to understand how we process, use and store information including personal data.Access to the App and use of the Servicesis subject to the Privacy Policy.Byaccessing the App andby continuing to use the Services,you are deemed to haveaccepted the Privacy Policy, and in particular,you are deemed to have acknowledged the ways we processyour informationas wellas appropriate legal grounds forprocessing described in the Privacy Policy. We reserve the right to amend the Privacy Policy fromtime totime. Ifyou disagree withany part of the Privacy Policy,you must immediately stop using the App and Services. Please read our Privacy Policy carefully.

VI. ENDUSER LICENSEAGREEMENT

By using the App,you undertake torespect our intellectual rights (intellectual rights related to the App’s source code,UI/UX design, content material,copyright andtrademarks, hereinafter referred toas the “Intellectual Property Rights”)as wellas those ownedby third parties.

As longasyou keep using the App, weyou a limited, non-exclusive, non-transferable non-sublicensable, non-assignable and revocable license toaccess and use the App pursuant to thisAgreementonanyApple-branded products thatyou own or control except that the Appmay beaccessed and usedby other accountsassociatedwith youvia Family Sharing or volume purchasing (the “License”).

The source code, design and content, including information, photographs, illustrations, artwork and other graphic materials, sounds,music orvideo (hereinafter – the “works”)as wellas names,logos andtrademarks (hereinafter – “means of individualization”) within the App are protectedbycopyrightlaws and other relevantlaws and/orinternational treaties, and belong to us and/or our partners and/or contracted third parties,as thecasemaybe.

In the event ofany third party claim thatyour possession and use of the App infringes that third party’sintellectual property rights,Applewill not be responsible for the investigation, defense,settlement anddischarge ofany suchintellectual property infringement claim.

These works and means of individualizationmay not be copied, reproduced, retransmitted, distributed, disseminated, sold, published,broadcasted or circulated whether inwhole or in part, unlessexpressly permittedby us and/or our partners and/or contracted third parties,as thecasemaybe.

All rights,title and interest in and to the App andits content, works and means of individualizationas wellasits functionalities (1) arethe exclusive property of We and/or our partners and/or contracted third parties, (2) are protectedby the applicableinternational andnational legal provisions, and (3) are under no circumstances transferred (assigned) toyou in full or in part within the context of the license herewithin.

Wewill not hesitate totake legalaction againstany unauthorized use of ourtrademarks, names or symbols to protect and restore our rights.All rights notexpresslyed herein are reserved. Other product and company names mentioned hereinmay also be thetrademarks of theirrespective owners.

VII. PROHIBITED BEHAVIOUR

You agree not to use the App inany way that:

is unlawful, illegal or unauthorized;

is defamatory ofany other person;

is obscene or offensive;

infringesanycopyright, right ortrademark ofany other person;

advocates, promotes orassistsany unlawfulact suchas (by way of exampleonly)copyright infringement orcomputer misuse.

You shall notmake the App available toany third parties. Inaddition,you shall not modify, translate into other languages, reverse engineer, decompile, disassemble orotherwise derivative works from the App orany documentation concerning the App.

You shall not transfer, lend,rent, lease, distribute the App, or useit for providing services to a third party, orany rights to the App orany documentation concerning the App to a third party.

Misuse ofanytrademarks orany other content displayedon the Appis prohibited.

You shall not copy and/or duplicate and/or distribute and/or publish and/or useany content in the App, directly or indirectly,by way of aviolation of ourIntellectual Property Rights.

Moreover,you shall notmakeanyattempts to use the App or part thereof for malicious intentions.

Also we are not responsible for the wayyou use the App.

Itis clarified that wemay adopt, against auserwhoviolated the presentAgreement,any legal measuresat our disposal pursuant to the applicablelaws.

All disputes arising from theusage of the App, shall be governedby and construed in accordancewith thelaws ofthe UnitedStates of America, and shall be submitted to thesolejurisdiction of the competent courts ofNew York,New York,the UnitedStates of America.

VIII. AVAILABILITY OF THE APP, SECURITYAND ACCURACY

In order to use the App,you arerequired to have a compatiblemobile phone ortablet, andinternetaccess. However, pleasenote that we offeryou widgets that save translationsand allowyou toaccess them later in offline mode.

The Appis available fordownloading and installingon handheld compatiblemobile devices runningApple iOSOperating System11.0 with minimum systemrequirements.

We do not warrant that the Appwill be compatible withallhardware andsoftware whichyoumay use.

Wemake no warranty thatyouraccess to the Appwill be uninterrupted,timely orerror-free. NeitherdoesApple have an obligation whatsoever to furnishany maintenance and support services withrespect to the App.

You acknowledge the Appis providedvia theinternet andmobile networks and so the qualityand availability of the Appmay be affectedby factorsoutside ourreasonable control.

Theversion of the Appmay be upgraded fromtime totime toadd support for new functions and services.

Wemaychange or update the Appand anything described init without noticingyou. If theneed arises, wemay suspendaccess to the App, or closeit indefinitely.

You also warrant thatany information thatyou submit to usistrue, accurate and complete, andyou agree to keepitactualatalltimes.

You can discontinue using our Servicesatanytimeby choosing the relevant option inyouriTunes AccountSettings. Ifyou decide not to use the App foranyreasonyou should uninstall the App.

IX. CHARGES

The Appis providedon a paid basis.Youwillneed to pay aone-time fee of $14.99 in order todownload the App.Onceyoudownload the App,youwillgetaccess toallits features.

Prices are in U.S. dollars,may vary in countries other than the U.S.and are subject tochange without notice.

Youmay be chargedbyyour communications service provider fordownloading and/oraccessing the Apponyourmobile phone ortablet device, soyou should check the terms ofagreementwith your operator. Thismay include data roaming charges ifyou do thisoutsideyourhome territory.All these charges aresolelyyour responsibility. Ifyou do not pay thebills related toyourmobile phone ortablet device, then weassume thatyou have the permission from the person thatdoesit before incurringany of these charges.

X. THIRD PARTYWEBSITES AND RESOURCES

The Appmaylinkyou to other siteson theInternet and contracted third parties to provideyou certain services. We have no controloverand accept no responsibility for the content ofanywebsite ormobileapplication to which alink from the App exists (unless we are the provider of thoselinkedwebsites ormobileapplications). Suchlinkedwebsites andmobileapplications are providedasis” foryourconvenienceonly with no warranty,express or implied, for the information provided within them.

You acknowledge thatyou must comply with applicable third party terms ofagreement when using the App.You aresolely responsible for and bearall risks arising fromyour use ofany third-partywebsites or resources.

Ifyou haveany queries, concerns or complaints about such third partywebsites ormobileapplications (including, but not limited to, queries, concerns or complaints relating to products, orders for products, faulty products and refunds)you must direct them to the operator of that third partywebsite ormobileapplication.

XI. DISCLAIMER OF WARRANTIES

YOU AGREE THATYOUR USE OF THE APP ANDITS SERVICES SHALL BEATYOURSOLE RISK. THE SERVICESAND ALL THE MATERIALS, INFORMATION,SOFTWARE, CONTENT INTEGRATED IN THE APP ARE PROVIDEDASIS” AND “AS AVAILABLE”. WE DO NOTMAKEANY WARRANTIES OFANY KIND, EITHEREXPRESS OR IMPLIED, WITH REGARD TO THE MERCHANTABILITY, TECHNICAL COMPATIBILITY OR FITNESS FOR A PARTICULAR PURPOSE OFANY SERVICE, PRODUCTS OR MATERIAL PROVIDED PURSUANT TO THISAGREEMENT. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINEDON OR THROUGH THE SERVICESWILL BE AVAILABLE, UNINTERRUPTED ORERROR-FREE, THAT DEFECTSWILL BE CORRECTED, OR THAT THE SERPermalink |記事への反応(0) | 23:18

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2018-05-11

anond:20180511003417

there must be somebills in yourwallet

Permalink |記事への反応(0) | 00:40

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2016-01-12

パンケーキへの夢を語る

兄貴女友達billsパンケーキを食べてきた。

てっきり、付き合うのかと思ったら女友達には彼氏がいるらしい。





女友達パンケーキって二人きりで食うって普通の事なの?

ラーメン牛丼なら納得できるけど、普通の事なの?

そもそも女って彼氏いても男友達パンケーキを二人きりでお洒落喫茶店で食べれるの?

なんで兄弟でこんなに違うの(´;ω;`)

俺なんてパンケーキ喫茶店で一人で食べるのに勇気いるか自分で作っているのにというのにw

Permalink |記事への反応(2) | 15:08

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