I-Bitcoin kunye ne-Inshurensi yoBomi: Ingxaki yokuLungelelaniswa kweZifa kunye nabemi baseMzantsi Afrika bayakhumbula

Uninzi lwezicwangciso zezindlu ndizibona ziphatha i-inshurensi yobomi kunye neBitcoin ngokungathi bahlala kwiiplanethi ezahlukeneyo. Abakwenzi oko. Omnye uhlawula ngeentsuku aze omnye athathe iminyaka emibini ukufikelela kwindlalifa, kwaye umsantsa phakathi kwezo santya zimbini kulapho iintsapho zonzakala khona. Esi siqwenga simalunga nokuvala eso sikhewu, ngoko ke ipolisi yenze umsebenzi ethe cwaka iwulungele: ukuhlawula amatyala ezindlu ngaphandle kokuba nabani na othengisa ngenkani iingqekembe zemali ukuze anyuse imali.

Ii-asethi ezimbini, izantya ezimbini

Xa usifa, umxhamli omtyumbileyo kwipolisi yobomi uhlawulwa ngokuthe ngqo yi-inshurensi. Imali efunyenweyo ayihlali kwilifa lakho, musa ukukroba emva komabi welifa kwaye ungalindi kuMphathi weNkundla ePhakamileyo. Ngokwesiqhelo imali ifika ngeeveki. Eso santya yingongoma yesixhobo kwaye isizathu sokuba luncedo kakhulu kwi-Bitcoin estate.

I-Bitcoin ayiziphathanga ngolo hlobo.

Ibanjelwe kwigama lakho lobuqu, iwela ngokuthe ngqo kwilifa lakho omele uhlawule ngalo. Akukho kutyunjwa kwendlalifa kwi-wallet ngendlela ekhoyo kwipolisi, ngoko iingqekembe zemali zihamba kuphela xa umabi-lifa ezihambisayo, yaye umabi-lifa akashukumi nto de ilifa lisonjululwe. Ukuphelisa umhlaba waseMzantsi Afrika akufane kwenzeke ngokukhawuleza. Iinyanga ezintandathu zinethemba kwaye iminyaka emibini ixhaphakile xa kukho nakuphi na ukuntsonkotha, ifama, umdla weshishini, iakhawunti ye-offshore okanye usapho olungavumelaniyo.

Apho iirandi ziya khona ngokwenene

Beka i-scenario phantsi, kuba amanani yinto abantu abavakalelwa ngayo. Masithi umseki wesoftware waseKapa usweleke ephethe i-R5 yezigidi zeerandi kwi-Bitcoin ethengwe nge-R1 yesigidi, kunye ne-R40 yezigidi kwezinye ii-asethi. Lo mhlaba uxabisa izigidi ezingama-R45. Umrhumo wezindlu ubaleka kuma-20% ngaphezu kwe-R3.5 yezigidi eziyehlisiwe kunye ne-25% phezulu, ngoko ke uxanduva kwipropati elolo hlobo lufikelela kwizigidi kwaye lufuneka ngaphambi kokuba iindlalifa zibone isenti.

Ukufa kukwabangela ukuba kuthathwe njengokulahlwayo. I-SARS ithatha i-Bitcoin njengethengiswe ngexabiso lemarike ngomhla wokufa, ngoko ke i-R4 yezigidi zokukhula iba yinzuzo yenkunzi kwaye irhafu yenzuzo eyinkunzi iyavavanywa kuyo nangona kungekho ngqekembe ithe yathengiswa. I-Bitcoin yi-asethi yeenjongo zerhafu yaseMzantsi Afrika, nto leyo ethetha ukuba umsebenzi wezindlu, i-CGT kunye nerhafu yeminikelo yonke inokuyichukumisa ngokuxhomekeke kwindlela iinkozo zemali ezihamba ngayo. Emva koko umabi welifa ufumana umvuzo wokulawula ilifa. Umsebenzi, i-CGT kunye ne-stack yeefizi, kwaye nganye kuzo ihlawulwa ngerandi.

Nanku umgibe. Umabi-lifa unokuwahlawula kuphela loo matyala ngemali enokufikelelwa lilifa. Ukuba ilifa lityebile kwaye lihlwempuzekile ngelixa isiqwenga esikhulu sobutyebi yiBitcoin umabi welifa usenokungekafikeleli, ukusilela kufuneka kuvele kwenye indawo. Ngokuqhelekileyo ivela ekuthengiseni i-asethi ngokukhawuleza, kuyo nayiphi na into enikezelwa yimarike ngosuku, kunye neBitcoin ngokuchanekileyo xa ufuna ukuba ngumthengisi onyanzeliswayo.

Ipolisi yivalve yoxinzelelo

Eli licandelo elihle, kwaye kuyilo lwakudala lwezindlu kwakudala ngaphambi kokuba ibe nantoni na enxulumene neBitcoin. Umgaqo-nkqubo wobomi kukungabi namali yokuhlawula amatyala afika ngokukhawuleza nangaphandle kwempahla. Ubungakanani bayo kwaye ujolise kuyo ngabom kwaye iba yimali ehlawula irhafu yendawo kunye nemirhumo, okuthetha ukuba akukho ngqekembe kufuneka ithengiswe ngokunyanzeliswa ukunyusa irandi.

Unyule ipolisi ukuze inxalenye echaziweyo ifumaneke kwilifa okanye kwi-testamentary trust eya kuhlangabezana nomsebenzi, i-CGT kunye neendleko zomabi-lifa, kwaye ushiye ibhalansi kwiqabane lakho okanye kubantwana bakho. I-estate ihlawula amatyala ayo kwimali ye-inshurensi eboniswe kwiveki yesithathu. I-Bitcoin ihlala iphelele. Iindlalifa zakho zizuze iingqekembe zemali kunengeniso yokuthengiswa komlilo, kwaye ukuba zikhetha ukubamba, zibambe ixesha labo endaweni yomabi.

Lulungelelwano olo. Izixhobo ezibini zenza umsebenzi omnye.

Ndiyibukele enye idlala. Umabi-lifa ojongene nomhla wokugqibela womsebenzi ongenayo imali esele ifikelele kweyona nto ilulwelo kwilifa, kwaye mva nje idla ngokuba yiBitcoin, ethengiswa ngoLwesibini ozolileyo kuyo nayiphi na into enokuthwalwa yi-odolo kunayo nayiphi na into efana nexabiso elifanelekileyo. Intsapho ilahlekelwa kabini: kanye ngexabiso kwaye kanye kwixesha elizayo leengqekembe abazange bafune ukuba bahlukane. Umgaqo-nkqubo ojolise ngokufanelekileyo wenza ukuba loo ntengiso ingabi yimfuneko, eyona inshurensi inexabiso eliphantsi onokuthi uyithenge ngexesha lakho elibi.

Impazamo endiyibonayo ngumgaqo-nkqubo olinganisiweyo kuphela wokubuyisela ingeniso okanye ukucima ibhondi, kungekho mgca kwisicwangciso serhafu i-Bitcoin ngokwayo iya kuvelisa ekufeni. Iingqekembe ziye zaxabisa, ingeniso ecingelwayo yokulahlwa ikhulile kunye nabo, kwaye umgaqo-nkqubo owawubonakala umkhulu kwiminyaka emihlanu edlulileyo awusayi kuhlanganisa i-bill eziinkozo zemali ngoku. Umgaqo-nkqubo olungiselelwe ukuhlawula amatyala kufuneka ulinganiswe ubungakanani betyala, kwaye ngeBitcoin ubutyala buhamba.

Ubumanzi abunaxabiso ukuba iingqekembe zibotshelelwe

Konke oku kucinga ukuba umenzi welifa unokufikelela kwiBitcoin. Ngokufuthi abakwazi.

Ukusilela endikubonayo kakhulu sisipaji sehardware kwindawo ekhuselekileyo enegama lembewu ekungekho mntu uphilayo unokukufumana. Inkundla inokuqinisekisa iindlalifa zakho. Ayinakuyicima iqhosha labucala, kwaye akukho bhanki yokufowunela. Ukuba ulwazi lokubuyisela alukho, iingqekembe zimkile, ukanti umabi-lifa ufanele azixabisile kwimarike yomsebenzi wezindlu kuba SARS irhafisa i-asethi nokuba intsapho inokuyifumana okanye ayifikeleli kuyo. Ifa lityala iBitcoin ayinakuze ithengise. Ndamisela ukuba imo ukungaphumeleli ngokupheleleyo kwenzeka ntoni kwiBitcoin yakho xa usifa, ngoko ke andisayi kuphinda apha, kodwa i-engile ye-liquidity iyenza ibe mandundu: eyona asethi ecetyelwe ukuxhasa inxalenye yelifa iba lityala ipolisi ngoku ekufuneka ihlawule yodwa.

Ugcino olubhaliweyo, olunephepha-mvume luvala olo cango. Xa iinkozo zemali zihleli kwisakhiwo umboneleli unokunceda ukuphumla ngokuchasene nesatifikethi sokufa kunye negunya lenkundla elifanelekileyo, umntu obhalwe phantsi ukuze abe ilifa unendlela yokuzixabisa, ukuzidlulisela okanye ukuzithengisa ngokufanelekileyo, yaye oko kufumaneka kwakhona kungumthombo wokuhlawula amatyala. Ulungiselelo lwe-2-of-3 ye-multisig yomelele ngakumbi, kuba ikhoram iyasinda kukufa kanye: abanini-zitshixo abasaphilayo basenokufikelela kwiingqekembe ngexa iqhosha lokubuyisela lisenziwa. Leyo yimodeli endiyiqhubayo kwiVault ye-SimplB, enezitshixo ezibini kwizixhobo zakho kunye nesitshixo sokubuyisela esibanjwe phantsi kwe-CAEP Asset Managers (FSP 33933). Ikugcina ulawula ngelixa usaphila kwaye igcina iingqekembe zifikeleleka xa ungekho.

Nokuba iinkozo zemali nokuba zezelifa

Kukho impendulo yolwakhiwo esusa uninzi lwengxaki kwingcambu. Ithemba alifi.

I-Bitcoin ephethwe ngokufanelekileyo yi-trust ayinakungena kwipropati yakho, ngoko ke ukufa kwakho akuqalisi xanduva lwezindlu okanye kucingelwa ukulahlwa kwezo ngqekembe, kwaye abaphathiswa banokuqhubeka bebamba okanye besasaza ngaphandle kokulinda uMninimzi. Yalatha umgaqo-nkqubo wobomi kwi-trust efanayo kwaye ezimbini zilungelelaniswa ngokucocekileyo: ingeniso ifika ngokufanelekileyo kwerhafu, i-trust ihlangabezana nazo naziphi na izibophelelo ezikhoyo kwaye i-Bitcoin iqhubeleka ngaphakathi kwisakhiwo esakhelwe ukudlula wena. Kusapho olucingayo kwizizukulwana ukuba ukuqhubeka kuyimeko yonke, kwaye ndenza imephu ye-arc ende yayo iBitcoin yezizwe ngezizwe.

I-trust ayisimahla kwaye ayingomntu wonke. Ithwala iindleko zayo zerhafu kunye nolawulo lokwenyani, kwaye nokuba iingqekembe kufuneka zihlale kwi-trust, inkampani okanye igama lakho lobuqu sisigqibo esineenxalenye ezininzi ezihambayo. Ndilinganisa ezo ngokuchasene nomnye apho iBitcoin yakho kufuneka ihlale khona, kunye namagama afunwayo kwisiqinisekiso ngaphambi kokuba itrasti ikwazi ukubamba iingqekembe ngokusemthethweni ngumxholo wayo, oxutyushwayo into ekufuneka uyitsho nge-Bitcoin isenzo sakho sokuthembela. Inqaku lanamhlanje lincinci. Ukuba iBitcoin ihlala ngaphandle kwempahla yakho, ingxaki yokungabi namali yakuhlawula amatyala iyanyamalala, kwaye umgaqo-nkqubo unokwalathwa kuyo nayiphi na into eshiyekileyo endaweni yentlawulo yerhafu eziinkozo ekungafanelanga ukuba ayihlangulwe.

Yintoni ekufuneka ixelelwe umenzi welifa

Akukho nanye kwezi esebenzayo ukuba umenzi welifa uyaqikelela. Isicwangciso siphila okanye sife kumaxwebhu.

Umntu obhalwe phantsi ukuze abe ilifa kufuneka azi ukuba ikho iBitcoin, indawo ehlala kuyo, indlela ekufikelelwa ngayo nendlela umgaqo-nkqubo omele ukunxibelelana ngayo. Isixhobo esisemgangathweni yileta yomyalelo egcinwe ecaleni komyolelo: ichaza ukubanjwa kunye nelungiselelo lokugcinwa, ichaza ukuba ngoobani abanini-maqhosha kwaye yalatha apho ulwazi lokubuyisela lugcinwa khona, konke ngaphandle kokubhala ibinzana lembewu kuxwebhu olusemthethweni olukhutshelwa kwaye lusasazwe. Umyolelo kunye nokutyunjwa kwepolisi kumisela injongo. Ileta yomyalelo inika umenzi welifa imaphu. Yigcine ngoku, kuba inguqulo ebhaliweyo i-wallets ezintathu kunye nomgaqo-nkqubo omnye odlulileyo ubi ngaphezu kokungenamsebenzi.

Ziphathe iingqekembe njenge-asethi yezindlu eziyiyo

I-Bitcoin ifanelwe luqeqesho olufanayo kwifa njengepropati erentwayo okanye ipotfoliyo yesabelo. Ngubani ilifa, indlela exatyiswa ngayo, ifikeleleke njani, ingaba kukho imali yokuhlawula irhafu ebangela ukuba indlalifa ikwazi ukuyilawula ngokwenene yimibuzo eqhelekileyo yelifa, kwaye i-Bitcoin iphendula zonke ngokwahlukileyo kuphela ngenxa yokuba i-asethi ye-asethi kunye ne-bill bill kwaye akukho desk yoncedo.

Eyam ingcebiso kumthengi onengqekembe enentsingiselo kunye nepolisi enentsingiselo icacile. Musa ukucwangcisa zombini ngokwahlukeneyo. Ubungakanani bomgaqo-nkqubo ngokuchasene nerhafu i-Bitcoin iya kuvelisa ekufeni, hayi nje ibhondi, kwaye ityunjwe ukuze i-liquidity ifike apho kuhlala khona ityala. Fumana ugcino olubhalwe phantsi ukuze iingqekembe zifikeleleke, kwaye uthathe isigqibo ngokunyanisekileyo ukuba ngaba zezomhlaba wakho kwaphela. Emva kwemini enye kunye negqwetha elithembekileyo kunye nesicwangciso sokugcina esisebenza ngokwenene siya kubiza iqhezu lentengiso enyanzeliswayo elithintelayo. Ukuba ufuna loo ncoko nomntu obuyisele i-wallet ye-multisig kwaye ufunde ii-trust ezimbalwa, ndihlala kweli cala letafile.