it is an asset, the one which retains value and can be trivially converted into risky payment currencies such as dollar or lightning
‚Initially introduced as a peer-to-peer payment system, BTC has transitioned into being primarily viewed as a store of value asset, given its substantial increase in value, rather than as a method for everyday payments.‘
https://watcher.guru/news/bitcoin-mostly-purchased-as-asset-instead-of-payment-tool-ey
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