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Author Topic: Bitcoin and time value of money.  (Read 356 times)
CTO114 (OP)
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October 02, 2025, 10:44:56 AM
 #1

The concept of time value of money is an important factor, especially in making financial decisions.
Bitcoin in general does not expressly incorporate time value of money, but to an extent some of its activities imply such; market participants usually factor TVM, potential investors discount future Bitcoin price when there's an investment decision to be made.
Furthermore, because of Bitcoin's halving, a miner may value Bitcoin rewards after every four years.

Would Bitcoin's adoption increase, if it expressly begins to factor in time value of money?

1 BTC today be more valuable than 1 BTC tomorrow
rodskee
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October 02, 2025, 10:49:47 AM
 #2

1 BTC today be more valuable than 1 BTC tomorrow
well not exactly

because you don’t know whether bitcoin will go up or down tomorrow since in a day a lot can change but what we can be sure of is that bitcoin will be more valuable in a few years time
mumang siat
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October 02, 2025, 12:29:54 PM
 #3

1 BTC today be more valuable than 1 BTC tomorrow

 I don't think so. No one can predict the price of Bitcoin, and even a strong prediction isn't even remotely accurate. Bitcoin is volatile, and its irregular fluctuations in value cause irregular fluctuations. I believe the price of Bitcoin will continue to fluctuate minute by minute, not just day by day.
melinoe
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October 02, 2025, 12:35:00 PM
 #4

Demand and adoption go further, and because fiat is being printed like crazy, and BTC is not - it becomes more valuable, whereas fiat - more bloated.

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October 02, 2025, 12:41:40 PM
 #5

See all these nonbelievers, you people need to actually believe in something, and I have never meet someone who believe in BTC and get let down.

Have any of you zoom out on BTC chart since it was founded? If you haven't I challenge you to go and do that right now, just take a look and tell me what you see, BTC is the best performing asset of all time.

It keeps going up because it is very small in supply, let's push the utility part aside for a minute, we have 21 million pieces of Bitcoin in a world full of billions of people, it is a simple math if you are not on drugs.

It is 2025 and many institutions are using Bitcoin as their reserves, even the government is planning to use Bitcoin to clear their heavy debt, banks want to get into Bitcoin services, you people are moron.

This have passed the, oh no one can predict tomorrow, here is the tomorrow that you can't predict, scarcity will keep hitting Bitcoin supply hard, strive to have at least 0.01 BTC before 2030 or miss out, see you guys at 1 milli.
348Judah
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October 02, 2025, 12:48:09 PM
 #6

Would Bitcoin's adoption increase, if it expressly begins to factor in time value of money?

1 BTC today be more valuable than 1 BTC tomorrow

This already have been happening, maybe you're not paying much attention to that, take a look at the way bitcoin first started without having a value to how we have seen it move this fast and increases in value over time, with about  $124,000 all time high, which ilshows a lot about the economic value and benefits of bitcoin adoption as a digital currency and a valuable asset with time, inflation couldn't hold on this, because it goes against what inflation has over time to reduce fiat currency value, that is why bitcoin has been found as the solution to this dispensation financial challenge now and in the future.

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October 02, 2025, 01:35:32 PM
 #7

this is totally dependent upon a person handing his/her time , value and money , since money comes with time , patience and efforts each and every millisecond is a countable factor
Thus remembering "TIME AND TIDE WAIT FOR NONE"........
Hoping for the bright future ahead
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October 02, 2025, 01:38:45 PM
 #8

Would Bitcoin's adoption increase, if it expressly begins to factor in time value of money?

1 BTC today be more valuable than 1 BTC tomorrow
Bitcoin price increases overtime due to the problem that bitcoin is solving. Bitcoin is decentralized and censorship resistance. The pseudonymity and scalability is also a key factor to the growth of bitcoin value. Bitcoin is a store of value overtime and a hedge against inflation. New investors have begin to notice all these which is the reason why more people are joining bitcoin bandwagon.

Fiat has proven to lose value overtime due to the constant manipulation from the government by printing more money because it's within their power to do. Investors are currently shifting away from the traditional way of saving more in the bank to saving it in bitcoin.

fikrett
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October 02, 2025, 01:48:32 PM
 #9

Would Bitcoin's adoption increase, if it expressly begins to factor in time value of money?

1 BTC today be more valuable than 1 BTC tomorrow
Bitcoin price increases overtime due to the problem that bitcoin is solving. Bitcoin is decentralized and censorship resistance. The pseudonymity and scalability is also a key factor to the growth of bitcoin value. Bitcoin is a store of value overtime and a hedge against inflation. New investors have begin to notice all these which is the reason why more people are joining bitcoin bandwagon.

Fiat has proven to lose value overtime due to the constant manipulation from the government by printing more money because it's within their power to do. Investors are currently shifting away from the traditional way of saving more in the bank to saving it in bitcoin.

People search stability and something that won't betray them because they do X with their own funds.

And BTC is just the thing: it becomes clearer and clearer by the day what brings you more custody to the table.

simonova
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October 02, 2025, 02:28:58 PM
 #10

1 BTC today be more valuable than 1 BTC tomorrow

That does not hold true for many days in past 10 years. Expect the same in future as well.
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October 02, 2025, 03:13:33 PM
 #11

The concept of time value of money is an important factor, especially in making financial decisions.
Bitcoin in general does not expressly incorporate time value of money, but to an extent some of its activities imply such; market participants usually factor TVM, potential investors discount future Bitcoin price when there's an investment decision to be made.
Furthermore, because of Bitcoin's halving, a miner may value Bitcoin rewards after every four years.

Would Bitcoin's adoption increase, if it expressly begins to factor in time value of money?

1 BTC today be more valuable than 1 BTC tomorrow

In the short term that isn't always true, but if history continues, in the longer term it will be true.  And there is no reason to think that the value of bitcoin in use cases will change and so there is no reason to think that the value proposition of bitcoin in fiat prices will either.
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October 02, 2025, 04:54:15 PM
 #12


Would Bitcoin's adoption increase, if it expressly begins to factor in time value of money?

1 BTC today be more valuable than 1 BTC tomorrow
To the best of my knowledge, Bitcoin already factored the concept of Time value for money long long ago that's is why we see it in the value of Bitcoin over time appreciating even more due to the increase demands resulting from the value people began to find in Bitcoin over time, even to subject of a bitcoin been more valued now than in the future isn't exactly true because actually its not been so for several years now since the invention of Bitcoin, we have seen it appreciate such that it has never maintain same price value in two years, as every year it gets different valuation.

Few years away from now, you will need more money for you to be able to buy BTC more than you will need now because the value would have appreciated and the will means more worth for one then than it is now, currently it is at about $120k of which we are anticipating it get to even $200k soon of which at that point you will be needing more money to get the same one unit you would have been able to get now with the amount it is worth currently.
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October 02, 2025, 08:13:02 PM
 #13

1 BTC today be more valuable than 1 BTC tomorrow
This might happen for a while, but it cannot be sustained because Bitcoin is a volatile asset so it's price doesn't travel in one direction, there exists positive and negative price corrections as well as bull run and bear season.

These events determine the direction of the price of Bitcoin and I'll tell you for free, with the price appreciation obtainable from Bitcoin price history, the tendency for a long-term discussion is always "1 BTC tomorrow being more valuable than 1 BTC today"

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October 03, 2025, 05:15:10 AM
 #14

1 BTC today be more valuable than 1 BTC tomorrow

Bitcoin is gradually taking over the place of fiat currency, the more the demand for Bitcoin increases, the more the price of Bitcoin will increase. You can look back from today to see how low the price of Bitcoin was and how much it is today. I saw the price of Bitcoin touch $15,000 at the beginning of 2023, but in just two years, the price of Bitcoin has changed dramatically.
Today, the price of Bitcoin has touched $120,000 and a few days ago it reached an all-time high of $124,000, so if you put it in monetary terms, then you will definitely be able to eliminate economic scarcity in the future. Long-term holding of Bitcoin plays the biggest role in eliminating moral scarcity and becoming financially prosperous in the future.

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October 03, 2025, 07:41:22 AM
 #15

1 BTC today be more valuable than 1 BTC tomorrow
well not exactly

because you don’t know whether bitcoin will go up or down tomorrow since in a day a lot can change but what we can be sure of is that bitcoin will be more valuable in a few years time

One of the reason that you know that bitcoin price will increase overtime is the maximum supply, so whatever demand made, the supply is not manipulated and hodlers will choose how much to give it out for. Unlike fiat that can be printed any time base on demand.

Another reason is bitcoin serve as hedge against inflation.

Government hodling and institutional adoption will keep increasing the value over time. So the price of bitcoin will increase more than it will reduce with those factors.

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October 03, 2025, 07:54:46 AM
 #16

One of the reason that you know that bitcoin price will increase overtime is the maximum supply, so whatever demand made, the supply is not manipulated and hodlers will choose how much to give it out for. Unlike fiat that can be printed any time base on demand.
What is Bitcoin maximum supply?
I understand "maximum supply" as total supply and Bitcoin has only 21 million bitcoins in total supply. It can not be changed as it was coded by Satoshi Nakamoto.
How is the 21 Million Bitcoin Cap Defined and Enforced?

Total supply is capped, can not be changed, and the future new supply from future Bitcoin blocks will be very little compares to how bitcoins were more fastly mined in the past block epoch. Demand on Bitcoin in contrast will increase very quickly so demand will beat supply and helps Bitcoin price rising more.

Bitcoin equivalent network time is an interesting topic which can help you exploring more about time required to mine 1 bitcoin over epochs.

R


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October 03, 2025, 08:16:16 AM
 #17



Bitcoin is gradually taking over the place of fiat currency, the more the demand for Bitcoin increases, the more the price of Bitcoin will increase. You can look back from today to see how low the price of Bitcoin was and how much it is today.

First, Bitcoin was not created to replace fiat money. Second, it is true that demand for bitcoin is increasing but it is being seen and used as an investment, a store of value. No country has legalized it or too many people want to use it as currency. People just see it as a get rich quick scheme. So it can be said that bitcoin cannot and never can take over fiat money.


Quote
I saw the price of Bitcoin touch $15,000 at the beginning of 2023, but in just two years, the price of Bitcoin has changed dramatically.


You forget that bitcoin price reached $69k in 2021 before falling to $15k in 2022. That means the price of bitcoin will increase over time, but it is very volatile and it is very difficult to predict what will happen.


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October 03, 2025, 09:53:38 AM
 #18

The concept of time value of money is an important factor, especially in making financial decisions.
Bitcoin in general does not expressly incorporate time value of money, but to an extent some of its activities imply such; market participants usually factor TVM, potential investors discount future Bitcoin price when there's an investment decision to be made.
Furthermore, because of Bitcoin's halving, a miner may value Bitcoin rewards after every four years.

Would Bitcoin's adoption increase, if it expressly begins to factor in time value of money?

1 BTC today be more valuable than 1 BTC tomorrow

People have a natural tendency to prefer money today rather than in the future, which is called time preference. Bitcoin rewards those with a low time preference because it is deflationary and a scarce form of money. The fiat mindset focuses on spending and nominal gains, while Bitcoin preserves value over time for those willing to hold it. You should read the book The Bitcoin Standard by Saifedean Ammous, where he explains the concept of time preference, why people value money more today than in the future, and how it relates to Bitcoin

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October 03, 2025, 12:56:21 PM
 #19

Bitcoin is gradually gaining people's trust and confidence, common people are investing a lot of money in Bitcoin and holding it for the future because the supply of Bitcoin is limited, by holding it for the long term it is possible to avoid inflation in the future. At the end of the day, the price of Bitcoin is gradually increasing and its price will increase by double in the future because big traders are already holding a lot of Bitcoin and will do more in the future because Bitcoin is a digital decentralized asset and no country or government can control it, so by holding it for the long term, big profits can be expected in the future. The government can print as much currency as it wants for the development of its country, but it is never possible for anyone to create more than the maximum supply of Bitcoin (21 million).

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October 03, 2025, 01:06:01 PM
 #20

People have a natural tendency to prefer money today rather than in the future, which is called time preference. Bitcoin rewards those with a low time preference because it is deflationary and a scarce form of money. The fiat mindset focuses on spending and nominal gains, while Bitcoin preserves value over time for those willing to hold it. You should read the book The Bitcoin Standard by Saifedean Ammous, where he explains the concept of time preference, why people value money more today than in the future, and how it relates to Bitcoin

Unfortunately, such people don't see further than they would need to to get some results rolling by the time they start acting upon BTC.

It's essential to understand why BTC is the next big thing if you want to be ahead of the traditional world of finance and not only it Wink

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