I-Bitcoin kunye noLawulo loTshintsho: Yintoni ethethwa luHlahlo-lwabiwo-mali lowama-2026 kubaTyali-mali baseMzantsi Afrika

Umgca omnye kuHlahlo-lwabiwo-mali luka-2026 wenze okungakumbi ukutshintsha i-Bitcoin eMzantsi Afrika kunalo naliphi na ityala lenkundla. Ngomhla we-25 ngoFebruwari 2026 uMphathiswa wezeMali uthe uNondyebo uya kulungisa uMthetho weMali kunye noTshintshiselwano lwe-1933 ukugoqa i-crypto assets kwisikhokelo solawulo lokuhamba kwemali. Hayi ukuvalwa. Hayi irhafu entsha. Isigqibo sokuphatha iingqekembe eziwela umda ngendlela urhulumente esele ephatha ngayo irandi, igolide kunye ne-forex. Yile nto bendixelela abathengi ukuba bayilungiselele, kwaye nantsi into eyenzayo kwaye ayichukumisi.

Yintoni eyona siseko soqukuqelo lwenkunzi

Ulawulo lokuhamba kwenkunzi yoMzantsi Afrika lulawula indlela abahlali abayihambisa ngayo imali ukuwela umda kunye nokutyala imali kude nonxweme. I-Reserve Bank iyilawula ngemigaqo emidala yoTshintshiselwano, kwaye isebenza ngokwamanqanaba amathathu aqhelekileyo. ISibonelelo seSibonelelo esiNye, esathi uHlahlo-lwabiwo-mali luka-2026 luphindeke kabini ukuya kutsho kwizigidi ezi-2 zeerandi ngonyaka, sijongana nohambo, izipho, iimali ezithunyelwa ngaphandle kunye notyalo-mali lwangaphandle kolwandle kungekho mfuneko yasibhengezo serhafu. ISibonelelo seNkunzi yaNgaphandle sihlala ngaphezu kwayo kwi-R10 lezigidi ngonyaka kwaye sidinga i-pin yeSimo sokuThobela iRhafu ukusuka ku-SARS ngenkqubo yokuVumela uTshintsho lwaMazwe ngaMazwe. Ngaphezu koko ukwizicelo zeBhanki enguVimba, yenza isigqibo ngefayile enye ngexesha.

I-Bitcoin ayizange ifane neso sakhiwo ngokucocekileyo. Akunjalo i-forex, kuba ayikho imali yelizwe. Ayilokhuseleko oludwelisiweyo. Umlo wonke ube nokuba ubala "njengenkunzi" phantsi kwemimiselo eyaqulunqwa kwi-1961 yezixhobo ezihamba ngeebhanki. Uhlahlo-lwabiwo mali luphendula umbuzo ngommiselo kunokuba uchaze: nantoni na ijaji icinga ukuba i-Bitcoin, uNondyebo uzimisele ukuyibiza igama kwaye uyilawule njengenkunzi. Ndabeka icala lenkundla yale nto ngokupheleleyo Uhlalutyo lwam lwetyala le-Standard Bank.

Yintoni etshintshayo kwindawo, nto leyo phantse akukho nto

Thenga i-Bitcoin ngerandi kwi-akhawunti yakho yebhanki yaseMzantsi Afrika ngomnikezeli wasekhaya onelayisensi kwaye umfanekiso awutshintshanga. Intengiselwano yeyasekhaya. Akukho sibonelelo sichithwayo, akukho mvume ifunekayo kwaye akukho mda ugqithwayo. Umxhasi waseGeorge othenga i-R5,000 yeBitcoin ngoLwesibini wenza kanye loo nto bayenzileyo kunyaka ophelileyo. Uhlahlo-lwabiwo mali alwenzi nto apho. Icala lasekhaya alizange lijoliswe apha. Icala elingaselunxwemeni, apho iingqekembe zemali zilishiya ilizwe lingabonakali, lalisoloko linjalo.

Utshintsho lukwileyibhile, hayi kwintengiselwano. I-Bitcoin ebanjwe kumboneleli waseMzantsi Afrika onelayisensi ngoku ihleli ngaphakathi kwenkqubo-sikhokelo enegama layo, ebala xa iibhanki kunye nababoneleli bethengisa umngcipheko wabo kwaye bahlele iimveliso zabo. Ukuqinisekiswa kwe-Financial Intelligence Centre Act (FICA) kuyaqhubeka. SARS irhafu iyaqhubeka. i-Crypto-Asset Reporting Framework (CARF) ingxelo iyaqhubeka. Into efikayo kukuqiniseka, kwaye ukuqiniseka kuthanda ukwenza indlela ethobelayo ibe lula kunokuba nzima.

Abantu ababandezelekayo phantsi komgaqo bahlala bengabo bazama ukuhamba ngeenxa zonke. Oko kuye kwaba yinyani kuzo zonke izigaba zolawulo lwe-crypto yaseMzantsi Afrika, ukusuka kwi-Financial Sector Conduct Authority (FSCA) yolawulo lwelayisenisi kumgaqo wokuhamba. Kuyinyani nalapha. Inqaku lokubamba elunxwemeni kukuba awuze uchaze ukuwela umda ongazange uwenze.

Yintoni etshintshayo kumda

Thumela i-Bitcoin kwidilesi yangaphandle okanye utshintshiselwano lwangaphandle kwaye iBhajethi idonsa ukuhamba kulawulo lotshintshiselwano, oku kuthetha ukuba iba yintshukumo yenkunzi exelwayo kunokudluliselwa okungabonakaliyo. I-SDA ephindwe kabini yezigidi ezi-2 zeerandi ngumxholo wokunceda abantu abaninzi. Isibini esitshatileyo ngoku singahambisa i-R4 yezigidi zeerandi kude nonxweme ngonyaka wekhalenda ngaphandle kwesicelo seBhanki enguVimba okanye iphini lerhafu. Iqabane ngalinye libamba isibonelelo se-R2 sezigidi esahlukileyo ngoko iyonke itotali yekhaya ibe yeyokwenene, hayi iqula lokwabelana. Ndihamba ngamanani kulo nto isiqwenga se-R2 yezigidi zesibonelelo sonxweme.

Ngaba ungasebenzisa eso sibonelelo ukuthenga i-Bitcoin kwiqonga langaphandle? Ngokomgaqo, ewe. I-SDA ixabisa irandi, ngoko ke ukuchitha izigidi ezi-2 zeerandi kwiinkozo zemali kumazwe angaphandle kukukhutshelwa kwemali eyinkunzi kude nonxweme esebenzisa isibonelelo njengazo naziphi na ezinye. Iingqekembe ke zihleli ngaphandle komda wolawulo lotshintshiselwano.

Into engenziwanga luHlahlo-lwabiwo-mali kukuphakamisa umda osisiseko kuye nabani na. I-Bitcoin ngoku ingaphakathi kwizigidi ezi-2 zeerandi, ayikhululwa kuyo, kwaye eyona nkqubo iya kubethelelwa kuphela xa imithetho esesikweni ifika. Imvelaphi yoHlahlo-lwabiwo-mali ka-2026 ebanzi, ukusuka kutshintsho lwesibonelelo ukuya kwimeko kaNondyebo, ihleli phakathi. ukufunda kwam kwintetho yeBhajethi kunye neBitcoin.

Kwenzeka ntoni kwisikali

Ngaphezulu kweSDA kuhleli iForeign Capital Allowance yeR10 million ngonyaka. Ivula kuphela nge-pin yeSimo sokuThobela iRhafu evela ku-SARS eqinisekisa ukuba imicimbi yakho yerhafu imi kakuhle. Ngeso phini umhlali unokunyuka aye kutsho kwi-R10 lezigidi zeerandi kude nonxweme ngonyaka omnye, iBitcoin ngoku ibandakanywe kwinqanaba elifanayo njengemali okanye izabelo. Ngaphaya kwe-R10 lezigidi ukwimvume yeBhanki enguVimba, evavanyiweyo ngefayile.

I-ofisi yosapho efuna ukuhambisa indawo enkulu kude nonxweme iyenza ngokwezigaba: iFCA enephini, emva koko ifake izicelo zokushiyela. Yakhiwe, ibhalwe, iyacotha. Akuvumelekanga. Isakhelo sakhelwe ukuvumela ubutyebi obusemthethweni buhlukanise i-offshore ngendlela elungeleleneyo, kwaye uHlahlo-lwabiwo-mali luka-2026 longeza nje i-Bitcoin kuluhlu lwezinto eziya kuzivumela ukuba zidlule ngendlela efanayo nayo yonke enye into. Leyo yipateni yokubambelela kuyo yonke ingxolo. I-Bitcoin iziswa ngaphakathi ententeni, kunye nemithetho yentente eqhotyoshelweyo, kunokuba ityhilwe ngaphandle kwayo.

Uyilo lwemigaqo olulandele uHlahlo-lwabiwo-mali

Uhlahlo-lwabiwo mali yayisisaziso. Iinkcukacha zafika ngomhla we-17 kuTshazimpuzi 2026, xa uNondyebo weSizwe epapashe idrafti yeMimiselo yoLawulo lwe-Capital Flow kwiGazethi kaRhulumente No. 7375, indawo epheleleyo yolawulo lwe-1961 kunokuba i-patch kuyo, ivulekele izimvo kude kube yi-18 kaMeyi 2026. Oku kulapho ukuqulunqa ujika ukusuka ekugcinweni kwendlu ngenxa yokuba isicatshulwa somthetho sithatha i-idrafti yokuqala ye-Bitcoin ye-Afrika, into ebaluleke kakhulu kwi-idrafti yokuqala yase-Afrika. ngokunzulu kwaye umthetho isitshixo kunokuba ibhanki. I-Capital ichazwa ngokutsha ukubandakanya i-crypto assets ngokucacileyo. Nabani na ofumana ubunini okanye ulawulo lwe-crypto ngaphezu komda omiselweyo kuya kufuneka ayibhengeze ngokubhaliweyo kuNondyebo ngaphakathi kweentsuku ezingama-30, echaza ukuba ifunyenwe nini, njani kwaye phi. Ukuthatha i-crypto ngaphandle kwelizwe ngaphandle kwemvume kuya kuthintelwa, njengoko kuya kuhlawulwa umntu ongeyena umhlali kuyo, kwaye izohlwayo zifikelela kwisohlwayo esifikelela kwi-R1 yezigidi okanye ixabiso le-crypto ebandakanyekayo, nokuba yeyiphi na enkulu, kunye ukuya kwiminyaka emihlanu entolongweni.

Iimpawu ezimbini zifanelwe ingqalelo yakho ngaphezu kwezinye.

Eyokuqala ngumgubasi, apho uyilo olucacileyo aluqulathanga. UMqathango 31 ushiya inani kuMphathiswa wezeMali ukuba alilungise kamva ngesaziso kwiGazethi. Ngezigidi ezili-R10 ijolise ekuphumeni okukhulu. Nge-R100,000 ifikelela kwiimongi eziqhelekileyo kwindawo ephantsi yonxweme. Wonke umntu owayegqabaza wayegqabaza eyimfama.

Okwesibini kukuthengiswa ngenkani kunye noomatshini abaphambili bokunikezela. Idrafti ivumela uNondyebo okanye umthengisi ogunyazisiweyo ukuba athenge i-crypto echaziweyo kwaye ayihlawule ngerandi ngexabiso lemarike, kwaye ibophelela umnini ukuba enze yonke into efunekayo ngokufanelekileyo ukuyinikezela. Emva koko, phantsi kommiselo we-25 (5), apho i-crypto ihluthwe kurhulumente, umnini wangaphambili kufuneka kwimfuno ebhaliweyo anike amagama ayimfihlo, izikhonkwane okanye iikhowudi ezifunekayo kuNondyebo ukufikelela kunye nokulawula iingqekembe. Ngesabelo esibhalisiweyo esisisenzo solawulo. Kumthwali we-asethi kukuthinjwa ngokwako. Ibinzana lembewu ayilogama lokugqithisa oliseta ngokutsha nje ukuba ingxabano isonjululwe, ke ukuyinikezela kukunikezela ngeBitcoin. Ndiyikhuphela loo matshini ngobude isiqwenga sam kwiBitcoin njenge-asethi yomthwali.

Uyilo luyilo. Ukutyhalela phambili kweshishini kuye kwavakala kakhulu, kukho inkcaso yomgaqo-siseko kunye nengxoxo ebukhali yokuba ugqithiselo lokuzimela kufuneka lungaphathwa njengokuhamba kweziko. Umbhalo wokugqibela unokuthamba. Ulwalathiso aluyi.

Apho iinkundla zihleli phantsi kwayo yonke le nto

Isizathu sokuba uNondyebo afikelele kwisigqibo kukuba iinkundla zazingavumanga. Ngomhla we-15 kuMeyi ka-2025 iNkundla ePhakamileyo yasePitoli yabamba, kumcimbi we-Standard Bank, ukuba i-crypto ayiyiyo imali okanye i-capital phantsi kwemimiselo ka-1961, iqiqa ukuba i-decentralised, i-asethi engabonakaliyo iwela ngaphandle kweenkcazo ezibhalelwe izixhobo ezidlula kwiibhanki. Eso sigwebo sihlala singumthetho olungileyo de inkundla ephakamileyo isitshitshise. Kuthe ngomhla woku-1 kuJuni ka-2026 iNkundla ePhakamileyo eyahlukileyo, eMangundhla, yathatha isigqibo esichaseneyo kwiinyani eziphambi kwayo yaze yasibiza isigwebo sangaphambili ngokucacileyo ukuba asilunganga.

Iinkundla ezimbini, unyaka ngokwahlukeneyo, zinika iimpendulo ezichaseneyo kowona mbuzo usisiseko esinokujamelana nawo i-asethi. Oko asikokungakwazi kwenkundla. Kwenzeka ntoni xa i-rulebook ebhalelwe izixhobo ezidlula kwiibhanki idibana ne-asethi engenayo ibhanki ekuhambeni konke.

Uhlahlo-lwabiwo mali kunye nemithetho eyilwayo yindlela kaNondyebo yokulungisa iingxoxo ngaphandle kokulinda isibheno. Ukuba umthetho ubiza i-Bitcoin njengenkunzi, ayisathethi kakhulu ukuba ijaji ithatha isigqibo sokuba i-1961 ithetha ntoni. Umkhombandlela wokuhamba kuwo onke amasebe kukudityaniswa, hayi isithintelo, eyona nto ndihlala ndibuyela kuyo kunye nabathengi abanovalo.

Eyona nto bendiza kuyenza

Kwabaninzi abanini baseMzantsi Afrika abathenga kwaye bagcine i-Bitcoin yabo ekuhlaleni, utshintsho lwemihla ngemihla lusondele ekungabonakali. Isakhelo sikhulise nje udidi olunegama lakho kulo.

Yonke into itshintsha iingqekembe zomzuzu ziwela umda. Kulapho iirekhodi ziphumelela khona.

Ingcebiso yam ayimnandi kwaye ndiyinika qho ngeveki. Thenga ngejelo lendawo elinelayisenisi ukuze indlela yokufumana icoceke kwirandi yokuqala. Gcina i-Bitcoin yakho kwindawo ethile umgaqo wexesha elizayo unokuthotyelwa kunokuba ube kwenye indawo ekushiya utyhileke kuyo. Ukuba ukhe wasusa isikhundla kude nonxweme, qaphela isibonelelo osisebenzisileyo kunye nexabiso lerandi ngosuku, kuba ifayile oyiqalisile phambi kokuba nabani na ayicele yifayile ekugcina uzolile xa esenza. Ukuba ufuna eso sakhiwo sakhiwe ngokufanelekileyo, bhukisha ifowuni yesakhiwo seBitcoin kwaye siya kubeka indawo yakho kwimigaqo njengoko imi nanjengoko isiya phambili.