I-Bitcoin njenge-Asethi ye-Bearer eMzantsi Afrika: Kuthetha ukuthini ukuba ne-Asethi kuMthetho
Nabani na olawula isitshixo sabucala ulawula iBitcoin. Lowo ngumgaqo womphathi kwaye ndigubungela icala lobunini kuwo isiqwenga seqabane kubunini obuthe ngqo. Eli nqaku limalunga necala loMzantsi Afrika: kwenzeka ntoni xa i-asethi esebenza njengemali epokothweni yakho ingena kummiselo waseMzantsi Afrika, ukusuka kulawulo lotshintshiselwano ukuya kumafa abantu abaswelekileyo. Impendulo emfutshane kukuba umthetho usathatha isigqibo. Isigqibo siye saguquka ngokumangalisayo ngo-2026.
Ukuthathwa okungundoqo
Umthetho werhafu waseMzantsi Afrika sele uyiphatha i-Bitcoin njenge-asethi. Umthetho wokulawula utshintshiselwano awukwazi ukugqiba ukuba yintoni na: iNkundla ePhakamileyo enye yagweba ngo-2025 ukuba i-Bitcoin ayikho imali okanye inkunzi kwaye enye yagweba ngokuchasene nonyaka kamva. I-Ofisi kaNondyebo ngoku iqulunqe imimiselo eya kusombulula ingxabano ngomyalelo, izaliswe ngemisebenzi yokuvakalisa kunye namagunya angundoqo okunikezela. Ubume bomthwali weBitcoin awukukhululi kuyo nayiphi na kwezi. Iyatshintsha apho umthwalo uhleli khona: kwiirekhodi zakho kunye nolwakhiwo endaweni yokuba ngumlamli.
Ngaba iBitcoin yipropati phantsi komthetho waseMzantsi Afrika?
Qala ngento elungisiweyo. I-SARS iphatha i-Bitcoin njenge-asethi. Ukuyichitha kwaye irhafu yenzuzo enkulu iyasebenza. Yifa uyibambe kwaye idibanisa nempahla yakho. Akukho nanye yaloo nto iphikisanayo kwaye akukho nanye kuyo efuna umrhafi ukuba aqonde isitshixo sabucala.
Into engekhoyo yiyo yonke into ieleyibhile ye-asethi idla ngokuza nayo. Izabelo zakho zihlala eStrate ngokuchasene negama lakho. Indlu yakho ihlala kwi-ofisi yezobuchwephesha. Nkqu nebakki yakho inalo irejista kwirejista karhulumente. I-Bitcoin ayinayo irejista naphi na owaziyo ukuba ungubani. I-Isixokelelwano seebloko irekhoda izitshixo kunye neebhalansi kunokuba zizazisi. Ukuba nesitshixo yinyani epheleleyo yobunini, eyinkcazo yencwadi yesicatshulwa yepropathi yomthwali.
Imali luthelekiso olucacileyo kwaye lunwenwela ukuza kuthi ga ngoku. I-R1,000 yemfumba yamanqaku epokothweni yakho yipropathi yomthwali nayo. Kodwa amanqaku akhutshwa yibhanki ephakathi kwaye isutikheyisi yawo ime emdeni. I-Bitcoin yipropathi yomthwali engenamkhuphi kwaye akukho sutikheyisi.
Umthetho udibene nepropathi yomthwali ngaphambili. Ichithe uninzi lwenkulungwane edlulileyo ukuyisusa.
Izabelo zabathwali bezisemthethweni ngaphandle komthetho wenkampani apha kwaye phantse kuyo yonke enye indawo, ngokuthe ngqo kuba abalawuli abakwazanga ukuzilandela. Iibhondi zabathwali zahamba ngendlela efanayo. Ngethuba i-Bitcoin ibonakala kwi-2009 udidi lwaluphantse lwaphela. I-Bitcoin iphinde yaphinda yaphinda yaphinda yayibuyisela kwisikali seplanethi, ngokwahlukana okungcono kwaye akukho gumbi liphezulu lifunekayo. Iinkundla zamazwe angaphandle sele ziqalisile ukulungelelanisa: Izigwebo zase-UK, ezithi iinkundla zaseMzantsi Afrika zizithathe njengezicengayo kwimibuzo yomthetho oqhelekileyo, ziye zaqaphela ii-cryptoassets njengepropati ekwazi ukulandelelwa kwaye ibangwe. Umthetho wethu uhamba ngendlela efanayo. Impatho yerhafu sele iyicingele.
Kutheni iiNkundla eziPhakamileyo ezimbini zinike iimpendulo ezichaseneyo kwiBitcoin
Ungquzulwano phakathi kwencwadi yomthetho ka-1961 kunye ne-bearer asset yafika enkundleni kunye nemali enzima. Inkampani yaseMzantsi Afrika yafudusa ngaphezu kwe-4,400 ye-Bitcoin, exabisa malunga nama-R556 ezigidi ngelo xesha, kutshintshiselwano olukude nonxweme. I-Reserve Bank yafikelela kwi-Exchange Control Regulations ka-1961 kwaye yalandela imali. Umbuzo ongaphantsi komlo wawulula: ngaba imali yeBitcoin okanye inkunzi njengoko loo migaqo ichaza imigaqo?
NgoMeyi ka-2025 iNkundla ePhakamileyo yasePitoli yaphendula ngokuthi hayi kuzo zombini. I-Imali yekhripto, inkundla ebanjwe, ayikho imali okanye inkunzi ngaphakathi kwentsingiselo yemimiselo ye-1961. Ezo nkcazelo zabhalelwa izixhobo ezibambekayo ezihamba kumajelo aphakathi kwaye i-asethi enatyisiweyo, engaphathekiyo ingaphandle kwazo ngokupheleleyo. Isigwebo siye sanqunyanyiswa kusalindwe isibheno, esikuxelela ukuba i-Reserve Bank iyithathele phi ilahleko.
Kwaze, ngomhla woku-1 kweyeSilimela ngowama-2026, iNkundla ePhakamileyo eyahlukileyo yagqiba kwelokuba uMangundhla ngokuchasene neBhanki enguVimba yoMzantsi Afrika yaza yahamba kwelinye icala. I-Bitcoin, kwiinyani eziphambi kwaloo nkundla, yayiyimali kunye nenkunzi. Esi sigwebo sachaza isigwebo sangaphambili njengesiphosakele ngokucacileyo. Iinkundla ezimbini ezihleli ngokwahlukeneyo ngonyaka zinike iimpendulo ezichaseneyo kowona mbuzo usisiseko wohlelo olunokujongana ne-asethi. Ndibeke ityala lokuqala ngokweenkcukacha kwi Uhlalutyo lwam lwetyala lenkundla ye-Standard Bank.
Ukubhideka asikokungakwazi kwenkundla. Ulawulo lotshintshiselwano lwakhiwe kwingcinga enye: yonke imida enqumlayo idlula kumthengisi ogunyazisiweyo, oku kuthetha ibhanki, oku kuthetha ukuba iziko elinokuthi liyalelwe. Inkqubo ayizange ifune ukucacisa imali ngokuchanekileyo kuba yayisoloko ifuna ukuxelela iibhanki ukuba zenze ntoni. I-asethi ye-asethi iyaphula loo modeli kwingcambu. Akukho mthengisi ekuhambeni. Kukho umntu onamagama alishumi elinesibini azinikele kwinkumbulo kwaye akukho mthetho uyilwayo ngo-1961 wawumcingela loo mntu.
Akukho nanye kwezi zifundo ukuba ubambe iBitcoin namhlanje. Isibheno sisalindelwe kwaye i-conservative read ilula: thenga ekhaya ngerandi ngokusebenzisa amajelo alayisenisiweyo kwaye uphathe nayiphi na intshukumo enqumla imida yeengqekembe njengombuzo wobuchule kuqala, hayi umfuniselo wasemva kwemini ngeCawe.
Yintoni eza kutshintsha iMigaqo yoLawulo lokuHamba kweNkunzi
Impendulo kaNondyebo kwisiphithiphithi sasenkundleni yafika ngokwamanqanaba. Uhlahlo lwabiwo-mali luka-2026, olunikezelwe nge-25 ngoFebruwari 2026, lubhengeze ukuba i-crypto assets iya kuziswa kwisikhokelo solawulo lwe-capital flow, inguqu endiyigubungele kuyo. yintoni iBhajethi ye-2026 ithetha ngeBitcoin kunye nolawulo lotshintshiselwano. Kwaze ngomhla we-17 kuTshazimpuzi ka-2026 uNondyebo weSizwe wapapasha i-Capital Flow Management Regulations, indawo epheleleyo yemigaqo ka-1961 endaweni yesiqwengana kuyo.
Uyilo ngumbhalo wokuqala wezomthetho waseMzantsi Afrika othathela ingqalelo ubume beBitcoin, yiyo loo nto kanye efanele ukufundelwa ngokusondeleyo. I-Capital ichazwa ngokutsha ukubandakanya i-crypto assets ngokucacileyo. Ngaphezulu komda, ukuthenga kunye nokuthengisa i-crypto kuya kufuneka ihambe kubaboneleli benkonzo ye-asethi ye-crypto egunyazisiweyo. Nabani na ofumana ubunini okanye ulawulo lwe-crypto ngaphezu kwalo mda kuya kufuneka ayibhengeze kuNondyebo ngembalelwano kwiintsuku ezingama-30, echaza ukuba ifunyenwe nini, njani kwaye phi. Ukuthatha i-crypto ngaphandle kweRiphabhliki ngaphandle kwemvume kuya kuthintelwa. Ngokunjalo nokuhlawula umntu ongahlali kuyo. Abakhenkethi babenokucelwa emideni ukuba bachaze iindawo abanazo baze bavelise izixhobo ezibaphetheyo. Izohlwayo ezicetywayo zinamazinyo: isohlwayo esifikelela kwisigidi esi-R1 okanye ixabiso le-crypto ebandakanyekayo, nokuba yeyiphi enkulu, kudityaniswe nokuya kutsho kwiminyaka emihlanu entolongweni.
Amalungiselelo amabini afuna ingqalelo yakho.
Eyokuqala ngumda ngokwawo, ongenayo idrafti. UMqathango 31 ushiya inani kuMphathiswa wezeMali ukuba alibeke kamva ngesaziso kwiGazethi. Ngezigidi ezili-R10 ulawulo lujolise ukuhamba okukhulu. Nge-R100,000 ifikelela kwiimongi eziqhelekileyo. Wonke umntu ogqabaza kwidrafti wayegqabaza eyimfama kwaye ifestile yokwenza oko yanqunyulwa yaya kwiintsuku zeshishini ezingama-22, yavalwa nge-18 kaMeyi ka-2026.
Owesibini ngummiselo 25(5). Apho ii-asethi ze-crypto zithe zahluthwa, umntu obenazo okanye ebezilawula kufuneka ngokwemfuno ebhaliweyo anikezele ngazo naziphi na iipassword okanye iikhowudi ezifunwa nguNondyebo ukuze afikelele kwaye alawule ii-asethi. Kwi-asethi ebhalisiweyo linyathelo lolawulo. Kumthwali we-asethi kukuthinjwa ngokwako, okwenziwa ingekathethi nayiphi na inkundla. Ibinzana lembewu ayilogama lokugqithisa onokuthi ukuseta ngokutsha nje ukuba ingxabano isonjululwe. Ukuyinikezela kukunikezela ngeengqekembe.
Uyilo luyilo. Ushicilelo lokugqibela lunokuthi luthambe kwaye ukutyhalana kweshishini kuvakala kakhulu, kukho inkcaso yomgaqo-siseko ngaphambili naphakathi. Kodwa indlela ohamba ngayo icacile. Urhulumente uye waqonda ukuba i-Bitcoin yi-asethi ye-asethi kwaye ngoku isemthethweni kwisitshixo kunokuba ihambe.
Kwenzeka ntoni kumnini wempahla kwilifa lakho
Xa usifa, umabi welifa lakho unika ibhanki yakho iileta zokwaba ilifa kwaye ibhanki imele ithobele. Iileta ezifanayo ezinikezelwe kwinethiwekhi yeBitcoin ayizuzi nto. Akukho khawuntala yokunikezela ngazo.
Umyolelo umisela injongo. Ayimiseli ukufikelela. Inkundla inokuqinisekisa indlalifa yakho kodwa ayikwazi ukuguqulela isitshixo sakho, nto leyo ethetha ukuba ingqekembe enye ingaba ngaphakathi ngokupheleleyo kwilifa lakho ngeenjongo zomsebenzi kwaye ngokusisigxina ngaphaya kokufikelela komntu kwangaxeshanye. I-SARS ayilikhathaleli icandelo lesibini: ukufa kubangela umsebenzi wefa kunye nokuthathwa njengenzuzo yokuchithwa kwenkunzi ngenxa yokuba i-asethi yayikho ngokusemthethweni kwaye ngokusemthethweni yeyakho. Nokuba nabani na angayichitha kwakhona ngumbuzo owahlukileyo uMthetho woMsebenzi wezindlu awuzange ubuze malunga neakhawunti yebhanki.
Umgca wexesha uyadibanisa. Impahla yaseMzantsi Afrika ithatha malunga neenyanga ezili-12 ukuya kwezingama-24 ukugqiba kwaye abaxhamli abanakuchukumisa nantoni na ngeli lixa isenzayo. Ibhalansi yebhanki ubuncinci ihlala ngokukhuselekileyo neziko ngelo xesha lokulinda. I-Bitcoin emva kwesitshixo esingabhalwanga ayihlali ndawo iluncedo. Ayifikeleleki ukususela kumzuzu wokufa, ngokusisigxina.
Kulandela imithetho emibini. Ungaze ubeke ibinzana lembewu kumyolelo, kuba umyolelo uba luxwebhu lukawonke-wonke akuba uMninimzi ewamkele. Ungaze ushiye ufikelelo lungabhalwanga, kuba ufikelelo olungamaxwebhu lufa nawe. Umbindi osebenzayo sisakhiwo: bhekisa kubukho besipaji kumaphepha elifa lakho ngelixa ugcina imiyalelo yofikelelo yahlukile kwaye ikhuselekile. Ulungiselelo lwe-2-of-3 ye-multisig iqhubela phambili, kuba akukho sitshixo esinye esilahlekileyo okanye ukufa okukodwa okubopha iimali kunye nendlela yokubuyisela ibhalwa phantsi ngelixa wonke umntu esaphila. Ndihamba ngamanani kunye nezakhiwo ngaphakathi kwenzeka ntoni kwiBitcoin yakho xa usifa eMzantsi Afrika.
Apho i-FICA ingena khona malunga nezitshixo
UMzantsi Afrika wandise umnatha wokulwa nokuthutyeleziswa kwemali kwi-crypto ngoDisemba ka-2022, xa ababoneleli ngenkonzo ye-asethi ye-crypto baba ngamaziko aphendulayo phantsi kwe-Financial Intelligence Centre (FIC) Act. Ukususela nge-30 ku-Epreli 2025 umgaqo wohambo uye wasebenza ngokunjalo, ngoko ukuchonga ulwazi malunga nomthumeli kunye nomamkeli kufuneka kuhambe kunye nokudluliselwa phakathi kwababoneleli. Ngaphakathi kwi-perimeter elawulwayo irekhodi elibhaliweyo ngoku lilingana nelebhanki.
Emva koko urhoxisa izitshixo zakho kwaye umzila uyayeka.
Olo nikezelo alufundwanga macala omabini. Akusiyo i-gap yokucupha ukuxhaphaza: i-SARS irhafu yokuchithwa kwerhafu naphi na apho ivela khona kwaye ingxelo ye-CARF ifika ngo-2027. Asiyongxaki yokuthobela ukoyika. Ukurhoxa ekuzigcineni kusemthethweni kwaye kuqhelekile. Oluphi utshintsho emnyango kukuba ngubani ogcina irekhodi. Kwiqonga elinelayisensi umnikezeli ufaka yonke into. Kwezakho izitshixo, irekhodi ekhuselayo yiyo nantoni na oyigcinayo: imihla yokufunyanwa kunye namaxabiso erandi kwifayile enokufunyanwa ngumabi wakho kunye nomgcini-mali wakho bobabini.
Umkhondo ngasemva kwakho yeyona nto yenza ukuba i-asethi ephambi kwakho ikhuseleke ukuyibamba.
Ndisreyitha njani izitshixo ngephepha
Eyam indlela yokwenza izinto ayitshintshanga ngayo nayiphi na idrama engasentla. Thenga ngejelo elinelayisenisi ukuze irekhodi yokufumana licoceke kwirandi yokuqala. I-SimplB isebenza njengommeli osemthethweni we-CAEP Asset Managers (FSP 33933), okuthetha ukuba yonke into ethengiweyo yi-FICA-iqinisekisiwe kwaye ifakwe ngaphambi kokuba enye ihlale ihamba. Emva koko thatha i-asethi uyibeke elugcinweni olubhalwe ngokufanelekileyo. Ukuzigcina ngokukhokelwayo kuqala kwi-R10,000 kubathengi abalungele ukubamba izitshixo zabo. Kwizikhundla ezinzulu iVault yi-2-of-3 multisig enendlela yezindlu eyilwe ukusuka kusuku lokuqala, ayibotshwanga emva koloyiko.
Akukho nanye kwezi iingcebiso. Amatyala enkundla aphila kwaye imimiselo isaqulunqwa, ngoko ke umhlaba uya kuhamba kwakhona. Ndinikwe ilayisenisi yokucebisa kwii-asethi ze-crypto kwaye loo ncoko yenzeka enye kwenye, xa ndisazi imeko yakho, hayi kwinqaku.
Into endingayithetha ngokubanzi yile. Ukuba imimiselo yokugqibela ifika kunye nomda ophantsi, umehluko phakathi kwabanini abagcina iirekhodi kunye nabagcini beemfihlo baya kuthatha isigqibo sokuba ngubani olala kakuhle. Izitshixo zingqina ukuba iBitcoin yeyakho. Iirekhodi zingqina ukuba uze ngayo ngokunyanisekileyo. EMzantsi Afrika ngo-2026 ufuna zombini kwaye ufuna ifayile iqalwe phambi kokuba nabani na ayicele.
Imibuzo ebuzwa qho
Yintoni eyenza i-Bitcoin ibe yi-asethi yomthwali kumthetho waseMzantsi Afrika?
Ulawulo lwesitshixo sabucala kulawulo lwengqekembe. Akukho rejista edibanisa i-Bitcoin kwisazisi ngendlela i-Strate irekhoda ngayo izabelo okanye i-ofisi yeengxelo zepropathi. Umthetho werhafu uthatha i-Bitcoin njenge-asethi eqhelekileyo, ngoko ke irhafu yenzuzo eyinkunzi kunye nentlawulo yezindlu isebenza ngokupheleleyo. Unyanzeliso luxhomekeke nje kwiirekhodi kunye nobhengezo endaweni yobhaliso.
Ngaba iBitcoin iphantsi kolawulo lotshintshiselwano eMzantsi Afrika?
Impendulo enyanisekileyo iyaphikiswa. NgoMeyi 2025 iNkundla ePhakamileyo ibambe ukuba i-crypto ayikho imali okanye inkunzi phantsi kwe-1961 Exchange Control Regulations. NgoJuni ka-2026 iNkundla ePhakamileyo eyahlukileyo yabamba ngokuchaseneyo kwaye yabiza isigwebo sangaphambili ngokucacileyo ukuba asilungile. Idrafti ye-Capital Flow Management Regulations yayiza kuphelisa ingxoxo ngokubhala i-crypto assets kwinkcazo yemali. Ukuthenga i-Bitcoin ekhaya ngerandi kuhlala kuyintengiselwano yasekhaya kulo lonke.
Ngaba kufuneka ndibhengeze i-Bitcoin endiyibambe ngokwam?
Imisebenzi yakho yangoku iqhuba ngokuyinhloko ngerhafu: ukulahlwa kufuneka kubhengezwe kwi-SARS kwaye ingxelo ye-CARF ilindeleke ukusuka kwi-2027. Idrafti ye-Capital Flow Management Regulations iphakamisa isibhengezo esibhaliweyo kwi-Treasury kwiintsuku ze-30 zokufumana i-crypto ngaphaya komda uMphathiswa akakayibeki. Luyilo olo, hayi umthetho. Jonga inguqulelo yokugqibela ngaphambi kokuba ucinge nantoni na.
Ngaba umabi wam angafikelela kwiBitcoin yam xa ndisifa?
Kuphela ukuba wakhe indlela yokufikelela ngelixa usaphila. Iileta ze-executorship zinyanzelisa ibhanki. Abanyanzeli inethiwekhi yeBitcoin. Umyolelo ungqina injongo kwaye inkundla inokuqinisekisa indlalifa, kodwa ayinakho ukufihla iqhosha labucala. Ungaze ubeke ibinzana lembewu kumyolelo, kuba imiyolelo iba ngamaxwebhu oluntu. Jonga ubume kumaphepha elifa lakho kwaye ugcine ufikelelo olubhalwe ngokwahlukileyo.
Zeziphi izohlwayo phantsi koyilo lweMigaqo yoLawulo lokuHamba kweNkunzi?
Uyilo luphakamisa isohlwayo esifikelela kwi-R1 yesigidi okanye ixabiso le-crypto assets ebandakanyekayo, nokuba yeyiphi na enkulu, kunye nokuvalelwa entolongweni ukuya kutsho kwiminyaka emihlanu. Ikwanika amandla okuncamathela kunye nokuphulukana, kubandakanywa namandla okufuna iiphasiwedi okanye iikhowudi ezilawula i-crypto elahlekileyo. Ezi ziziphakamiso phantsi koyilo, ngoko ke amanani okugqibela anokutshintsha.
Ngaba ukuthenga ngomboneleli onelayisensi kwenza ukuba uzigcine ukhuselekile?
Iyenza ikhuseleke ngakumbi. Umboneleli onelayisensi wenza irekhodi le-FICA-eqinisekisiweyo yokuba ungubani kwaye apho imali ivela khona. Xa iingqekembe kamva zihlala kwizitshixo zakho, loo ndlela yokufumana bubungqina bokuba zezakho ngokusemthethweni kwaye zibhengezwe ngokufanelekileyo. I-asethi ye-asethi ayinayo imbali yayo, ngoko ke imbali onokuthi uyivelise yeyona nto ibalulekileyo.
Bamba izitshixo, gcina iirisithi
I-SimplB inceda abantu baseMzantsi Afrika bathenge, bakhusele kwaye bamise i-Bitcoin ngokuthobelayo, njengoMmeli woBugqwetha we-CAEP Asset Managers (FSP 33933).
Bhukha umnxeba wokufunyanwa