Tem uma postagem antiga do Hal Finney (ontem fez 9 anos que ele faleceu 
) aqui no fórum falando sobre isso, que as txs on-chain serão apenas de "grandes transações" no futuro:
Não sei se concordo com a visão dele. Imagino que bancos também recorreriam a sidechains (incluindo a LN, por exemplo) para economizar com taxas, ninguém é bobo de pagar US$ 50 quando pode pagar US$ 0,005.
) aqui no fórum falando sobre isso, que as txs on-chain serão apenas de "grandes transações" no futuro:Actually there is a very good reason for Bitcoin-backed banks to exist, issuing their own digital cash currency, redeemable for bitcoins. Bitcoin itself cannot scale to have every single financial transaction in the world be broadcast to everyone and included in the block chain. There needs to be a secondary level of payment systems which is lighter weight and more efficient. Likewise, the time needed for Bitcoin transactions to finalize will be impractical for medium to large value purchases.
Bitcoin backed banks will solve these problems. They can work like banks did before nationalization of currency. Different banks can have different policies, some more aggressive, some more conservative. Some would be fractional reserve while others may be 100% Bitcoin backed. Interest rates may vary. Cash from some banks may trade at a discount to that from others.
George Selgin has worked out the theory of competitive free banking in detail, and he argues that such a system would be stable, inflation resistant and self-regulating.
I believe this will be the ultimate fate of Bitcoin, to be the "high-powered money" that serves as a reserve currency for banks that issue their own digital cash. Most Bitcoin transactions will occur between banks, to settle net transfers. Bitcoin transactions by private individuals will be as rare as... well, as Bitcoin based purchases are today.
Bitcoin backed banks will solve these problems. They can work like banks did before nationalization of currency. Different banks can have different policies, some more aggressive, some more conservative. Some would be fractional reserve while others may be 100% Bitcoin backed. Interest rates may vary. Cash from some banks may trade at a discount to that from others.
George Selgin has worked out the theory of competitive free banking in detail, and he argues that such a system would be stable, inflation resistant and self-regulating.
I believe this will be the ultimate fate of Bitcoin, to be the "high-powered money" that serves as a reserve currency for banks that issue their own digital cash. Most Bitcoin transactions will occur between banks, to settle net transfers. Bitcoin transactions by private individuals will be as rare as... well, as Bitcoin based purchases are today.
Não sei se concordo com a visão dele. Imagino que bancos também recorreriam a sidechains (incluindo a LN, por exemplo) para economizar com taxas, ninguém é bobo de pagar US$ 50 quando pode pagar US$ 0,005.
A ideia do Finney não é que a Fiat seja lastreada em bitcoin
Mas que os bancos tenham produtos ladtreados em bitcoin, permitindo até fracionamento bancário de bitcoins. Eles poderiam vender mais bitcoins do q eles realmente tem, assim como fazeem com fiat...
Sidechains, layer 2, etc já são uma realidade, não tem como impedir. Por exemplo, a lightning.
Assim como Finney sugeriu, é provável que no futuro transações on chain sejam caras e sejam usadas apenas para fechar grandes balanços. Mas num futuro de mais de uma década , eu chutaria..