Artikel om familjeekonomi


Jag håller på att fila lite på en artikel om familjeekonomi och tänkte jag kunde dela med mig här och se om folk har åsikter. Artikeln är på engelska:

[quote]Bitcoin and Family Accounting.

With the recent progress in the bitcoin evolution, particulary in regards to usability and n-of-m key management, family accounting now has access to new economic tools to support a more reasonable and mindful family economy.

The Parents.

For those parents who choose to have individualized economies and dont share incomes and expenses, bitcoin offers the common 1/1 keys which allows both parents to retain control over their own funds.

For those parents who choose to have a shared economy however, bitcoin offer the 1/2 and the 2/2 keys which allow for two specific use cases.

The 1/2 key indicates that both parents are capable of spending money from their shared account without the need to ask the partner for permission. This is good for purchasing things that both parts are responsible for, like food and groceries.

The 2/2 key indicates that both parens are capable of spending money from their shared account, but only when both partners agree to do so. This adds an extra layer of protection against careless spending or unfair spending in a shared income environment.

Using a combination of the 1/2 and the 2/2 keys familes can now set up a system in which the basic household expenses are easily paid for from a shared account but it is not possible to overspend.

The Children.

When a child comes into a family, another layer of complexity is added to the family economy. The simplest of solutions for an economy to accomodate a child is yet another 1/1 key which gives the child full access to it’s funds and leaves the parents with no control. In some cases, this might be desireable, but in most cases parent wants to shield their children from making irresponsible economic decisions.

In addition to the 1/2 and 2/2 keys we can now start looking at the 1/3, 2/3 and 3/3 keys.

In the 1/3 key things are much as to be expected. Any one of the parents or the child can spend money from the shared account. This could be useful in most of the same situations where a 1/2 key had been useful given that the you trust the child not to spend needlessly.

In the 2/3 key things start to get a bit more interesting. In this case the child can only spend money if one of the two parents agree to it. This is great for things like the childs savings account if they parents feel they need to retain some control over the spending habits of the child.

The 2/3 key also allows the parents to spend the childs money should both parents agree on it to be necessary. Depending on family situtations this might be a necessary approach to sustain a functional family economy, particulary in times of economic crisis.

However, there might be cases in which it is undesireable to allow the parents to forcefully spend the childs money and for these cases another type of system is needed which is a combination of those previously discussed. This would be a 1+1/2 together where the 1/1 is the childs key that retain veto against spending, but is not capable of spending itself without one of the parents approval.

The 1+1/2 key is particulary useful for earmarked money, for example an education fund where the parents donate money to the child, but want to control the spending to only go to the specific purpose.

In the 3/3 key we have a place to save money for matters which are truly family related and both parents and the child have veto against any spending. The use of the 3/3 key is very situational and requires a family with trust and cooperation and is probably not well suited for the youngest of children.

Statistics and Accounting.

While using the proposed key distributions above to create a family economy suited for the particular family needs is good in and of itself it also comes with many statistical benefits in regard to accounting. Since each parent and each child has their own private keys, any spending done by or agreed to by any of these family members is recorded into the blockchain with their signatures and this opens up for new ways of visualizing family economics on a person and family level in a fully transparent way.

I sincerely believe that there is an honest need and usecase for this transpareny and accounting as well as the various methods of restricting spending in a cooperational environment and I am glad to see that bitcoin comes with a built-in solution to all of this that doesnt require a family to sign any papers, or pay any fees, to start using this.[/quote]


Den här artikeln är nu färdig och publicerad på Lets Talk Bitcoin


Bra artikel! Det finns många intressanta möjligheter med multisig, och det skall bli intressant att följa hur det utvecklar sig.

Jag vet inte riktigt hur det fungerar i praktiken? Alltså vad för slags verktyg som finns idag för att göra det lätt för användare att signera multisig-transaktioner?

Det finns en metod idag för det fall där man vill att barn plus en förälder skall kunna ha kontroll, medan barnet fortfarande skall ha veto, och det är genom att använda 3-av-4 multisig. Barnet behöver då ha kontroll över två av nycklarna, medan föräldrarna har en var.


BitPay släppte källkod till ett system som heter Copay och coinbase har nyligen lanserat coinbase Vault, Circle har släppt sina tjänster för ett mindra antal användare för utvärdering/testning och samtliga av dessa "jättarna"s lösningar bygger på multisig.

Tack för tipset om 3-av-4 som ett alternativ till 1+1-av-2, ger samma effect men är troligen enklare att implementera då det är en enkel 3/4 ratio.


Allt detta är möjligt i Armorys funktion Lockboxes i version 0.92 (finns redan nu som beta).