「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。

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

2020-04-29

Term of Use

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The App may link you to other sites on the Internet and contracted third parties to provide you certain services. We have no control over and accept no responsibility for the content of any website or mobile application to which a link from the App exists (unless we are the provider of those linked websites or mobile applications). Such linked websites and mobile applications are providedas is” for your convenience only with no warranty, express or implied, for the information provided within them.

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If you have any queries, concerns or complaints about such third party websites or mobile applications (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 party website or mobile application.

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YOU AGREE THAT YOUR USE OF THE APP AND ITS SERVICES SHALL BE AT YOUR SOLE RISK. THE SERVICES AND ALL THE MATERIALS, INFORMATION, SOFTWARE, CONTENT INTEGRATED IN THE APP ARE PROVIDEDAS IS” AND “AS AVAILABLE”. WE DO NOT MAKE ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, WITH REGARD TO THE MERCHANTABILITY, TECHNICAL COMPATIBILITY OR FITNESS FOR A PARTICULAR PURPOSE OF ANY SERVICE, PRODUCTS OR MATERIAL PROVIDED PURSUANT TO THIS AGREEMENT. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED ON OR THROUGH THE SERVICES WILL BE AVAILABLE, UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SER

2019-07-10

Terms of Use

I. INTRODUCTION

These Terms of Use and End User License Agreement (collectively, the “Agreement”) together with all the documents referred to in it constitute a legally binding agreement made between you as a natural person (“you”, “your” or “user”) and We (“we,” “us” or “our”), concerning your access to and use of the software application for mobile devices (the “App”).

All the documents that relate to the App are hereby expressly incorporated herein by reference.

Please read this Agreement carefully before you download, install or use the App.

It is important that you read and understand this Agreement as by downloading, installing or using the App you indicate that you have read, understood, agreed and accepted the Agreement which takes effect on the date on which you download, install or use the App. By using the App you agree to abide by this Agreement.

If you do not agree with (do not accept) this Agreement, or if you do not agree at least with one of the provisions of this Agreement, you are not authorized to, and you may not access, download, install or use the App and you must ly discontinue downloading, installing the App and remove (delete) the App from any mobile device in your possession or under your control.

II. CHANGES TO THIS AGREEMENT

We reserve the right, at our sole discretion, to make changes or modifications to this Agreement at any time and for any reason. We will keep you informed about any changes by updating this Agreement and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review this Agreement to stay informed of updates. You will be subject to, and will be deemed to be aware of and to have accepted, the changes in any revised Agreement by your continued use of the App after the date such revised Agreement is posted.

III. RESTRICTIONS ON WHO CAN USE THE APP

In order to download, install, access or use the App, you must (a) be eighteen (18) years of age or older.

All users who are minors in the jurisdiction in which they reside (generally under the age of 18) must have the permission of, and be directly supervised by, their parent or guardian to use the App, so if you are between the ages of thirteen (13) and seventeen (17) years and you wish to use download, install, access or use the App, before doing so you must: (a) assure and confirm (if needed) that your parent or guardian have read and agree (get your parent or guardian’s consent) to this Agreement prior to you using the App; (b) have the power to enter a binding contract with us and not be barred from doing so under any applicable laws.

Parents and guardians must directly supervise any use of the App by minors.

Any person under the age of thirteen (13) years is not permitted to download, install, access or use the App.

You affirm that you are either more than eighteen 18 years of age, 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 warranties set forth in this Agreement, and to abide by and comply with this Agreement.

IV. GENERAL TERMS

The App is a utility program designed to enhance your device experience. The App allows to scan any types of document to high quality PDF or JPEG; to save and store any scan copies of documents on your mobile devices; to share your scans via email; upload scanned documents to cloud services like box, Evernote or Google Drive (see the full performance list on the App’s page on itunes.apple.com). All documents shall be stored locally on your device and shall never be sent to any third-party unless you export them to other apps or devices by means of the App.

The App is intended only for your personal non-commercial use. You shall use the App only for the purposes, mentioned above.

V. PRIVACY POLICY

Your privacy is very important to us. Accordingly, we have developed the Privacy Policy in order for you to understand how we process, use and store information including personal data. Access to the App and use of the Services is subject to the Privacy Policy. By accessing the App and by continuing to use the Services, you are deemed to have accepted the Privacy Policy, and in particular, you are deemed to have acknowledged the ways we process your information as well as appropriate legal grounds for processing described in the Privacy Policy. We reserve the right to amend the Privacy Policy from time to time. If you disagree with any part of the Privacy Policy, you must immediately stop using the App and Services. Please read our Privacy Policy carefully.

VI. END USER LICENSE AGREEMENT

By using the App, you undertake to respect our intellectual rights (intellectual rights related to the App’s source code, UI/UX design, content material, copyright and trademarks, hereinafter referred to as the “Intellectual Property Rights”) as well as those owned by third parties.

As long as you keep using the App, we you a limited, non-exclusive, non-transferable non-sublicensable, non-assignable and revocable license to access and use the App pursuant to this Agreement on any Apple-branded products that you own or control except that the App may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing (the “License”).

The source code, design and content, including information, photographs, illustrations, artwork and other graphic materials, sounds, music or video (hereinafter – the “works”) as well as names, logos and trademarks (hereinafter – “means of individualization”) within the App are protected by copyright laws and other relevant laws and/or international treaties, and belong to us and/or our partners and/or contracted third parties, as the case may be.

In the event of any third party claim that your possession and use of the App infringes that third party’s intellectual property rights, Apple will not be responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.

These works and means of individualization may not be copied, reproduced, retransmitted, distributed, disseminated, sold, published, broadcasted or circulated whether in whole or in part, unless expressly permitted by us and/or our partners and/or contracted third parties, as the case may be.

All rights, title and interest in and to the App and its content, works and means of individualization as well as its functionalities (1) are the exclusive property of We and/or our partners and/or contracted third parties, (2) are protected by the applicable international and national legal provisions, and (3) are under no circumstances transferred (assigned) to you in full or in part within the context of the license herewithin.

We will not hesitate to take legal action against any unauthorized use of our trademarks, names or symbols to protect and restore our rights. All rights not expressly ed herein are reserved. Other product and company names mentioned herein may also be the trademarks of their respective owners.

VII. PROHIBITED BEHAVIOUR

You agree not to use the App in any way that:

is unlawful, illegal or unauthorized;

is defamatory of any other person;

is obscene or offensive;

infringes any copyright, right or trademark of any other person;

advocates, promotes or assists any unlawful act such as (by way of example only) copyright infringement or computer misuse.

You shall not make the App available to any third parties. In addition, you shall not modify, translate into other languages, reverse engineer, decompile, disassemble or otherwise derivative works from the App or any documentation concerning the App.

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

Misuse of any trademarks or any other content displayed on the App is prohibited.

You shall not copy and/or duplicate and/or distribute and/or publish and/or use any content in the App, directly or indirectly, by way of a violation of our Intellectual Property Rights.

Moreover, you shall not make any attempts to use the App or part thereof for malicious intentions.

Also we are not responsible for the way you use the App.

It is clarified that we may adopt, against a user who violated the present Agreement, any legal measures at our disposal pursuant to the applicable laws.

All disputes arising from the usage of the App, shall be governed by and construed in accordance with the laws of the United States of America, and shall be submitted to the sole jurisdiction of the competent courts of New York, New York, the United States of America.

VIII. AVAILABILITY OF THE APP, SECURITY AND ACCURACY

In order to use the App, you are required to have a compatible mobile phone or tablet, and internet access. However, please note that we offer you widgets that save translations and allow you to access them later in offline mode.

The App is available for downloading and installing on handheld compatible mobile devices running Apple iOS Operating System 11.0 with minimum system requirements.

We do not warrant that the App will be compatible with all hardware and software which you may use.

We make no warranty that your access to the App will be uninterrupted, timely or error-free. Neither does Apple have an obligation whatsoever to furnish any maintenance and support services with respect to the App.

You acknowledge the App is provided via the internet and mobile networks and so the quality and availability of the App may be affected by factors outside our reasonable control.

The version of the App may be upgraded from time to time to add support for new functions and services.

We may change or update the App and anything described in it without noticing you. If the need arises, we may suspend access to the App, or close it indefinitely.

You also warrant that any information that you submit to us is true, accurate and complete, and you agree to keep it actual at all times.

You can discontinue using our Services at any time by choosing the relevant option in your iTunes Account Settings. If you decide not to use the App for any reason you should uninstall the App.

IX. CHARGES

The App is provided on a paid basis. You will need to pay a one-time fee of $14.99 in order to download the App. Once you download the App, you will get access to all its features.

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

You may be charged by your communications service provider for downloading and/or accessing the App on your mobile phone or tablet device, so you should check the terms of agreement with your operator. This may include data roaming charges if you do this outside your home territory. All these charges are solely your responsibility. If you do not pay the bills related to your mobile phone or tablet device, then we assume that you have the permission from the person that does it before incurring any of these charges.

X. THIRD PARTY WEBSITES AND RESOURCES

The App may link you to other sites on the Internet and contracted third parties to provide you certain services. We have no control over and accept no responsibility for the content of any website or mobile application to which a link from the App exists (unless we are the provider of those linked websites or mobile applications). Such linked websites and mobile applications are providedas is” for your convenience only with no warranty, express or implied, for the information provided within them.

You acknowledge that you must comply with applicable third party terms of agreement when using the App. You are solely responsible for and bear all risks arising from your use of any third-party websites or resources.

If you have any queries, concerns or complaints about such third party websites or mobile applications (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 party website or mobile application.

XI. DISCLAIMER OF WARRANTIES

YOU AGREE THAT YOUR USE OF THE APP AND ITS SERVICES SHALL BE AT YOUR SOLE RISK. THE SERVICES AND ALL THE MATERIALS, INFORMATION, SOFTWARE, CONTENT INTEGRATED IN THE APP ARE PROVIDEDAS IS” AND “AS AVAILABLE”. WE DO NOT MAKE ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, WITH REGARD TO THE MERCHANTABILITY, TECHNICAL COMPATIBILITY OR FITNESS FOR A PARTICULAR PURPOSE OF ANY SERVICE, PRODUCTS OR MATERIAL PROVIDED PURSUANT TO THIS AGREEMENT. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED ON OR THROUGH THE SERVICES WILL BE AVAILABLE, UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SER Permalink | 記事への反応(0) | 23:18

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

 
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