I-Bitcoin-Kuphela vs i-Crypto Portfolio: Yintoni eyenza ingqiqo kubaTyali-mali baseMzantsi Afrika

I-SimplB yenza into enye. Ndinceda abemi baseMzantsi Afrika bathenge i-Bitcoin, bayikhusele ngokufanelekileyo kwaye bayilungelelanise ngengqiqo. Akukho Ethereum kwimenyu, akukho Solana, akukho bhasikithi yamathokheni angamashumi amabini alungelelaniswa ngekota. Abathengi abalindelekileyo bayabuza, ngokufanelekileyo, ukuba yintanda-bulumko okanye imida. Impendulo enyanisekileyo ihamba ngendlela ezi asethi zizalwa ngayo, ngubani olawulayo, kwenzeka ntoni kuninzi lwazo kunye nento eyenziwa yiSARS kuwe ngelixa ujikeleza phakathi kwazo.

I-Bitcoin kunye ne-altcoins ayifani neklasi ye-asethi

Igama elithi crypto lenza umonakalo omkhulu apha. Ifakela i-Bitcoin kunye namawaka amanye amathokheni phantsi kwesihloko esinye, indlela imenyu ehambisa ngayo amanzi kunye ne-brandy phantsi kweziselo. I-Fidelity -edijithali Assets, hayi umbutho onikwe umdlandla wasendle, ubeke umahluko ngokucacileyo kuphando lwayo lweBitcoin Lokuqala: abatyali-mali kufuneka babambe iziseko ezimbini ezahlukeneyo, enye evavanya iBitcoin njengemali esakhulayo kunye neyesibini ephatha yonke enye i-asethi yedijithali njengokubheja kwesimbo semali eyinkunzi. Emva kweshumi leminyaka kule marike andikafumani imephu yesivakalisi esinye esingcono sayo.

Umahluko uqala ekuzalweni. I-Bitcoin yasungulwa ngoJanuwari 2009 kungekho nkampani emva kwayo, akukho kuthengiswa kwangaphambili kwaye akukho sabelo kubantu bangaphakathi. Umdali wayo ongaziwa wagrumba ngokwemigaqo efanayo njengaye wonke umntu, emva koko wahamba kwaye akashiya nto ephetheyo ngaphandle kwekhowudi evulekileyo kunye nabantu abakhetha ukuyiqhuba. Umda wokubonelela nge-21 yezigidi zemali awuzange uhambe. Nabani na angaqinisekisa yonke inkqubo kwihardware exabisa amawaka ambalwa eerandi. I-Fidelity ichaza ukuveliswa kokunqongophala kwedijithali njengesiganeko sexesha elinye, sixoxa ukuba nayiphi na imali enokuthi kamva iya kuba ibuyisela ivili. Ndichaza oomatshini ngaphakathi yintoni i-Bitcoin ngokwenene.

Yonke enye ingqekembe yazalwa ngendlela eyahlukileyo.

Thatha i-Ethereum, kuba ukhuphisana olunamandla kwaye ngoko ke uthelekiso olulungileyo. Yaqala njengephepha elimhlophe kunye nomseki ochongiweyo, uVitalik Buterin, ngo-2013. Yaqalisa ngokuthengiswa kwangaphambili, oku kuthetha ukuba isabelo esikhulu sokubonelela sasikhona ngaphambi kokuba uluntu lufumane ingqekembe enye. Indlela yayo yokuvumelana yatshintshwa indawo yokuthengisa ngevenkile ngoSeptemba ka-2022 xa uthungelwano lusuka kubungqina bomsebenzi ukuya kubungqina besiteyiki. Umgaqo-nkqubo wokukhutshwa kwawo uhlengahlengiswe ngaphezu kwexesha elinye ngesigqibo esilungelelanisiweyo. Akukho nanye kwezi eyenza i-Ethereum iteknoloji embi. Yenza i-Ethereum iqonga elilawulwayo, ikhompyutha yehlabathi esasazwayo kwinkcazo yayo, eqhutywa ngabantu abanokutshintsha imigaqo oyithengileyo phantsi kwayo. Ukuqhuba i-validator kufuna i-32 ye-ETH, esinye sezizathu zokuba uthelekiso lwe-Fidelity lubonise ukuba luphakathi kweBitcoin.

Ukulunga kwemali akunakuba neqela lolawulo. Lo mzuzu uyenzayo, uthemba iqela kunemali.

Kutheni ingobozi yamathokheni ayiyonto eyahlukileyo

Ukwahluka kunentsingiselo echanekileyo. Ubamba ii-asethi eziphendula ngokwahlukileyo kwiziganeko ezifanayo, ukuze ubuthathaka kwenye bukhuselwe ngamandla kwenye. Izabelo zamashishini ezingenanzala emisiweyo zihlawulelwe ngeebhondi. Umngcipheko wasekhaya uthotywe ngonxweme. Ingqikelelo ifumana ukugcinwa kwayo xa ulungelelwaniso lusezantsi.

Iibhasikidi ze-Crypto ziyasilela olo vavanyo ngexesha elichanekileyo elibala. Xa i-Bitcoin idonsa phantsi kanzima, ii-altcoins ziyilandela phantsi kwaye zihlala ziqhubela phambili, kuba zibonakaliso eziphezulu ze-beta zoluvo olufanayo. Ndikubukele oku kuwo onke amanqanaba asezantsi oko ndangena kwimarike ngo-2016. Ngoko yeyiphi kanye kanye ingqekembe yesibini ekukhuselayo kuyo?

Kukho ingxaki yesibini yokuba amanani onxibelelaniso angaphantsi. Ukongeza i-altcoin ayongezi nje ukuvezwa kwexabiso. Yongeza izigqibo zomsunguli, unondyebo wesiseko, ukuba nokwenzeka kotshintsho lweprotocol, ithuba lomlawuli obiza ithokheni njengokhuseleko olungavumelekanga. I-Bitcoin ayithwali nanye kwezi ngenxa yokuba akukho mniki ukuhlawula kwaye akukho qela lenza izithembiso. Ingobozi ayizinciphisi ezo ngozi. Iyawaqokelela.

Ukuqulunqa kweFidelity kuyanceda kwakhona apha. Ukwabela iithokheni ezingezizo zeBitcoin, abaphandi bayo babhala, benziwa ngokufanelekileyo nge-venture capital mindset, izikhundla ezincinci kumagama amaninzi ekulindelweni ukuba uninzi luya kusilela kwaye enye okanye ezimbini zingenako. Ngumsebenzi osemthethweni lowo. Kananjalo akukho nto ifana nokugcina. Akukho mali yelinge enokuzichaza njengendawo yokugcina ubutyebi enobuso obuthe tye.

Inqaku elinye alifane lifikelele kubathengi: awudingi i-altcoins ukuba ithathe inxaxheba ekukhuleni kweshishini. Uphando olufanayo luphawula ukuba i-Bitcoin ihlala ingumxhamli ocacileyo wokuqukuqela kwindawo yonke ye-asethi yedijithali. Imali ifika kwikhasino kwaye uninzi lwayo luhlala, ekuhambeni kwexesha, kwindawo yokugcina iimpahla.

Ulwahlulo lokwenyani luhlala ngaphandle kwe-crypto ngokupheleleyo: izabelo, ipropathi, iibhondi, mhlawumbi igolide, kunye neBitcoin yenza umsebenzi othile phakathi kwezinye. Ndawuvula lo msebenzi Indawo yeBitcoin kwipotifoliyo eyohlukeneyo.

Yintoni umjikelo opheleleyo owenzayo kwi-altcoins

Ibhodi yabaphambili ibalisa ibali ngcono kunayo nayiphi na ingxabano. Abaphandi be-Fidelity bathelekisa i-asethi ezilishumi ze-crypto ze-2017 kunye noluhlu oluvela ku-2023. I-Dash, i-Monero, i-Augur, i-MaidSafeCoin, i-Steem, i-Ethereum Classic: zonke zihleli kwi-2017 eziphezulu ezilishumi kwaye zonke ziye zawa kwi-tier malunga neminyaka emithandathu kamva, zaxoshwa ngamagama amatsha afana ne-barelana yokuqala kunye ne-Cardano yokuqala. I-churn ayikho impazamo kwiimarike ze-altcoin. Luphawu lwabo oluchazayo, kuba ikhowudi yomthombo ovulekileyo ikhutshelwa kancinci kwaye yonke iprotocol ihlala umntu okhuphisana ofumana inkxaso-mali engcono kude nokungabalulekanga.

Nditsho nabalinganisi beBitcoin uqobo bayangqina le ngongoma. I-Bitcoin XT kunye ne-Bitcoin Classic, iifolokhwe ezazithembisa iintlawulo ezikhawulezayo nezifikelelekayo, aziphumelelanga ngokupheleleyo. I-Bitcoin Cash iphila ngexabiso lemarike elingaphantsi kwamaxesha alikhulu amancinci kuneBitcoin. Imarike ivavanye iinguqulelo eziphuculweyo zengqekembe efanayo kwaye yala unikezelo.

Uthungelwano lwezemali lukwajolisa. Abasebenzisi abaninzi bazisa ubutyebi obungakumbi kunye nokhuseleko olongezelelekileyo, olutsala abasebenzisi abaninzi, i-loop Fidelity ichaza njengophumeleleyo-thatha-konke okuguquguqukayo. Wonke umntu ogcina ixabiso kuthungelwano lwezemali ukhetha icala kolo khuphiswano, uyavunywa okanye hayi. Olu khuphiswano belunenkokeli efanayo ukusukela ngo-2009 kwaye akukho mceli-mngeni usondele ekukhokeleni.

Emva koko kukho iziphelo akukho mntu uzicwangcisayo. NgoMeyi ka-2022 iTerra, ngelo xesha enye yezona zinto zilishumi zexabiso ze-crypto asethi emhlabeni, yawa yaze yacima amashumi eebhiliyoni zeerandi zokonga. Kwiinyanga ezintandathu kamva i-FTX, utshintshiselwano kunye negama layo kwi-Formula 1 imoto kunye nebala lemidlalo yaseMiami, ifakwe kwi-bankruptcy. Akukho siganeko sasifuna ukuba i-Bitcoin ingaphumeleli. Zombini bezithengiswe kubatyali-mali abaqhelekileyo njengezohlukeneyo.

Ingcwaba alibhengezi.

Indlela i-SARS kunye ne-FSCA ebona ngayo i-crypto portfolio

Qala ngelayisenisi. Ngo-Oktobha 2022 i-Financial Sector Conduct Authority (FSCA) ibhengeze i-crypto asethi njengemveliso yemali phantsi koMthetho we-Financial Advisory and Intermediary Services Act (FAIS) Act, owatsala iingcebiso kunye neenkonzo zomlamli kubo kulawulo olufanayo lwelayisenisi elawula zonke iinkonzo zemali. Ndisebenza njengommeli wezomthetho we-CAEP Asset Managers (FSP 33933). Ephepheni udidi lwelayisenisi lugubungela ii-asethi ze-crypto ngokubanzi. Ngokwesiqhelo uxanduva luhlala emntwini, kuba umcebisi kufuneka ayiqonde imveliso ngokwaneleyo ukuze ame emva kwayo iminyaka emva kokuphela kwencoko.

Ndiyakwazi ukuthwala loo mbopheleleko yeBitcoin. Imithetho yayo ayizange itshintshe ukususela ngo-2009, iingozi zayo zihlala kwiminyaka elishumi elinesixhenxe yerekhodi yoluntu kwaye akukho nto malunga nayo ixhomekeke kumsunguli ogcina izithembiso. Andikwazanga ukuyithwala ngokunyanisekileyo kwibhaskithi ejikelezayo yeprothokholi ezinemigaqo-nkqubo yemali egqitywe kwiifowuni zabaphuhlisi. Bambalwa kakhulu abantu abanakho, okumele bamise ukuba ungakanani ubunzima obunika nabani na othengisa iphothifoliyo yomqondiso ngokuzithemba ngokupheleleyo.

Emva koko i-SARS iyafika, ibambe indawo phantse wonke umntu ayijongeli phantsi.

Umthetho werhafu waseMzantsi Afrika uphatha ukulahlwa kwe-crypto asset njengesiganeko esirhafiswayo kwaye ukulahlwa kubandakanya ukutshintsha ithokheni enye kwenye. Hambisa i-R200,000 kwi-Bitcoin uye kwi-altcoin kwaye uyilahlile i-Bitcoin ngexabiso lerandi laloo mini. Inzuzo iqaqamba ngoko nangoko, irekhodi kufuneka ligcinwe kwaye nerhafu ihlawulwe ngokwerandi, nangona kungekho randi yakha yachukumisa iakhawunti yakho yebhanki. Ngoku khawube nomfanekiso wepotfoliyo elungelelanisa iithokheni ezilishumi ngekota nganye. Konke ukujikeleza kukulahla. Wonke umvuzo obalulekileyo kunye ne-airdrop yingeniso ekufuneka ixatyiswe ngomhla wokufika kwayo. Iphothifoliyo ye-crypto ehlukeneyo, phakathi kwezinye izinto, umatshini wokuvelisa iziganeko zerhafu, uninzi lwazo umnini walo akaze abhale. Ndigubungele inguqulelo eqhelekileyo yalo mgibe impazamo yerhafu ye-stablecoin.

Umnini we-Bitcoin kuphela othengayo kwaye obambe ubomi berhafu obudikayo. Izinto ezithengiweyo zingena, akukho nto ilahlwayo kwaye akukho nto inokufinyaniswa kude kube intengiso yenzeke ngokwenene. Ukukruqula kujongelwa phantsi kwirhafu.

Ityala elithembekileyo lokubamba ii-altcoins

Kukho amatyala anyanisekileyo kwelinye icala kwaye ndifuna ukuwachaza ngokufanelekileyo. Umphuhlisi owakha kuthungelwano kwaye afumane iintlawulo kwi-token yakhe ubambe lo mqondiso wendlela umlimi abamba ngayo i-bakkie, njenge-asethi esebenzayo kunokuba ithisisi yotyalo-mali. Umtyali-mali ophucukileyo ofuna ukubheja kweshishini, ubungakanani bemali ilahleko yakhe iyonke ayinakutshintsha nto malunga nobomi babo, unokuyithatha ngamehlo avulekileyo. U-Ethereum noSolana baye babonisa ukuba iqonga elitsala abaphuhlisi kunye nabasebenzisi banokudala ixabiso lokwenene. Akukho nanye kwezi endikhubekisayo.

Into endiyibuyisela umva kukuqulunqa. Ezo zizigqibo zelinge kwaye zifanele uphando olukwibakala loshishino kunye nolwabiwo olulingana neshishini. Ayiloqhinga lokonga. Uninzi lweephothifoliyo zophawu endicelwa ukuba ndiziphonononge azizange ziyilwe njengayo nantoni na. Baqokelelana ngexesha lemarike yenkomo, ibali elinye elichulumancisayo ngexesha.

Isikhundla endisiqhubayo

Eyam i-crypto exposure yiBitcoin kwaye ayikho enye into. Oko kube yinyani ngemijikelo emibini epheleleyo kwaye sisikhundla esi senziwa siphela.

Isenzo sakhiwe ngendlela efanayo. Abathengi baqala isicwangciso sokugcina imali ukusuka kwi-R1,000 ngenyanga. Ukusuka kwi-R10,000 ndibahambisa kwi-Ukuzigcinela, kuba i-asethi engenamlingane ifanele ukubanjwa ngaphandle kwayo. Ukubamba okukhulu kuya kwiVault, ilungiselelo le-multisig ezimbini kwantathu apho umxhasi ubamba i-Trezor kunye ne-Ileja kwaye ndigcina kuphela isitshixo sokubuyisela i-Coldcard. Ndenza iiseti zeVault ezintlanu ngenyanga kuba nganye yenziwa kancinci kwaye ngokobuqu. I-over-the-counter (OTC) execution iqhuba nakweyiphi na isayizi, ngokuyinxenye ngenxa yokuba imarike yerandi yeBitcoin kuphela kwemarike ye-crypto enzulu ngokwaneleyo ukufunxa ubungakanani obukhulu ngaphandle kwedrama. Yonke into yaloo mfumba ikhona kuba iBitcoin imile ngokwaneleyo ukuba ingakhelwa kuyo. Akukho mntu unokuzenzela ugcino lweminyaka engamashumi amabini malunga ne-asethi ezivuselela rhoqo emva kweenyanga ezilishumi elinesibhozo.

Akukho nanye kwezi zinto ithetha ukuba i-Bitcoin ikhuselekile ngendlela idiphozithi yebhanki eziva ngayo ikhuselekile. Iyaguquguquka, ifuna iminyaka emihlanu ukuya kwelishumi kwaye ikucela ukuba ufunde imikhwa engazange ikufundise yona yibhanki yakho. Nditsho ngokucacileyo kubo bonke abathengi ngaphambi kokuba baqale.

Uvavanyo endilunikezayo lulula. Thatha yonke impahla onayo undinike isivakalisi sibe sinye malunga nokuba yeyantoni na. Isivakalisi seBitcoin silula: inqabile imali ngaphandle kwenkqubo yebhanki ekungekho mntu unokuprinta ngaphezulu kwayo. Kwiminyaka elishumi andizange ndive isigwebo se-altcoin sisinda kumbuzo wokuqala wokulandela. De umntu enze njalo, ndiya kuhlala ndibambe i-asethi enempendulo kwaye ndincede abaxhasi bam benze okufanayo.