Ubungakanani beNdawo yeBitcoin kwii-Ofisi zoSapho zaseMzantsi Afrika: Isakhelo seeNdawo ezinkulu

Umgaqo wepesenti apho iingcebiso zeBitcoin zokuthengisa ziqala kwaye apho ingcebiso yeofisi yentsapho iphela. Iqela le-1% ukuya kwi-5% elifanele umtyali-mali wabucala lixelela i-ofisi yosapho exabisa i-R500 yezigidi phantse yonke into malunga nokuba ungasifumana njani na eso sikhundla, usibambe njani kwaye usinikezela njani. Inani sisigqibo sokugqibela, hayi esokuqala. Yonke into ethatha isigqibo sokuba ingaba ibamba iyasinda ihleli phantsi kwayo: ukubulawa, ukugcinwa, ulwakhiwo kunye nolawulo.

Apho ipesenti iyeka ukuba ngongoma

Qala nge-arithmetic, kuba lixesha lokugqibela i-arithmetic ilula. I-ofisi yosapho ethwele i-R50 yezigidi zeerandi ithatha i-5% ize ifike kwi-R2.5 yezigidi zeerandi. Oko kukuthenga ngokuthe ngqo, okugcinwe kwindawo enye, elawulwa ngaphandle kwengcamango yesibini.

Ngoku yikale. I-5% efanayo xa ithelekiswa nezigidi ezingama-R500 yi-R25 yezigidi, kwaye xa ithelekiswa ne-R2 yeebhiliyoni yi-R100 yezigidi. Ipesenti ayizange itshintshe. Yonke enye into yenzekile.

Ngezigidi ezi-R2.5 ufaka iodolo kwaye ugqibile. Nge-R100 lezigidi iodolo yemalike enye ingatya imali ebonakalayo ekwincwadi ize izalise intsalela ngamaxabiso amabi ngokuthe ngcembe, ngoko ke ukuthengwa kufuneka kumiswe kwiinyanga ngedesika ethe-ikhawuntara kunokuba kulahlwe kutshintshiselwano loluntu. Umgcini omnye uba yingqwalasela ongenakuyikhusela. Isivumelwano sokuthenjwa esingazange sikhankanye ii-asethi ze-crypto siba yingxaki ephilayo. Umbuzo uguquka ngokuthe cwaka ukusuka kwipesenti yeBitcoin kufuneka ibe kweyiphi indawo apho esi sikhundla sidinga iziseko zokwenene ukuze siwubambe, kwaye ngokwenza loo nto ifika kwixabiso eliphantsi kunokuba iintsapho ezininzi zilindele kuqala. Le yilensi enye endifaka kuyo isakhelo sam sokulinganisa indawo yeBitcoin, inyuswe ukuya kumanani eofisi yosapho.

Ukuphunyezwa: ukuthenga i-R100 yezigidi ngaphandle kokuyichaza

Umahluko omnye omkhulu phakathi komxhasi wabucala kunye neofisi yosapho kukuba iofisi yosapho inokuhambisa ixabiso ngokwalo ngokuzama ukuthenga. I-Liquidity inesisa kwi-odolo ye-R1 yesigidi kwaye ibhityile, nangaliphi na ixabiso elinye, nge-R50 yezigidi enye.

Imodeli yokusebenza endiyiqhubela ubungakanani isombulula oku ngomthetho wokunyuka endaweni yorhwebo lwamaqhawe. Amatikiti amancinci agcwalisa imizuzwana ngokutshintshiselana. Amatikiti amakhulu abekwa kwinqanaba, kwaye umzuzu ubungakanani okanye ixesha eliza kulithatha ukugcwalisa liqala ukusongela ixabiso, iodolo iya kwidesika ye-OTC ecaphula ixabiso eliqinileyo kwisixa esipheleleyo kwaye ihlalise kwikliphu enye. Ukusasazeka kubanzi kancinci kunexabiso lesikrini. Utshintshiselwano ufumana isiqinisekiso sokuzaliswa kwamanani alithoba kwaye awuyikuthengela ngetelegraph ukuthenga kwakho kuye wonke umntu othatha inxaxheba kwincwadi. I-SimplB iphumeza nangaluphi na ubungakanani ngale ndlela, ngoko ke iofisi yosapho ayikhe ikhethe phakathi kwexabiso eliyifunayo kunye nobungakanani obufunekayo.

Akukho nanye kwesi sisiganeko esinye. Iofisi yentsapho eqokelela indawo enkulu isasaza ukuthenga ngokuhamba kwexesha ngenjongo, ngenxa yokuba i-iDola ixabisa i-avareji kwi-asethi eguquguqukayo ithenga ngakumbi xa ixabiso liphantsi kwaye lincinci xa liphezulu, kwaye lisusa isilingo sokubeka ixesha lokungena ukuba akukho mntu uphinda enze kakuhle. Uqeqesho olufanayo lubuyela umva xa isikhundla silungisiwe ekugqibeleni.

Ukugcinwa: akukho ndawo yokusilela

Nabani na ophethe izitshixo ubambe iBitcoin, kwaye kwisikali seofisi yentsapho eso sigwebo siyayeka ukuba sisilogeni kwaye sibe sisithintelo sokusebenza.

I-wallet enye ye-hardware ene-keyholder enye ilungile kwi-hobbyist kwaye ayilunganga ngokupheleleyo kwiziko. Isikhundla kufuneka sisinde ekufeni, ukungakwazi, ukufuduka okanye ukungafumaneki okucacileyo komntu owamisayo, kwaye kufuneka amelane nobusela kunye nokunyanzeliswa kwangaxeshanye. Ezo mfuno zitsalelana omnye komnye, yiyo loo nto kanye impendulo yeziko ingu-2-of-3 multi-signature vault. Izitshixo ezithathu zikhona, naziphi na ezimbini zinokuhambisa imali kwaye akukho sitshixo esinye esinokusebenza sodwa, ngoko ke isitshixo esinye esilahlekileyo sisenzo esiphazamisayo esinokubuyiselwa endaweni yentlekele. Izitshixo zihlala kwi-hardware evela kubavelisi abahlukeneyo kwaye zihlala kwiindawo ezahlukeneyo, kuba ingxaki yekhonkco lokubonelela ngesixhobo esinye akufuneki ukuba idibanise ikhoram. Lo ngumgaqo iVault endiyiqhubayo yakhelwe phezu kwayo: usapho luphethe izitshixo ezibini kwizixhobo zalo, ndibambe elesithathu njengomlenze wokubuyisela olawulwayo ngeCAEP Asset Managers (FSP 33933) kwaye akukho mntu uhambisa ingqekembe ecaleni kwelinye.

Ezinye ii-holdings ezinkulu kakhulu zihamba inyathelo eliya phambili kwaye zahlula-hlula isikhundla ngaphezu kwelungiselelo elinye lokugcinwa, ukuze kungabikho ziko elinye, ulawulo okanye iqela liyi-chokepoint. Leyo yibhanti yokwenyani kunye neebrace ezishukumayo kwaye ayisimahla. Wonke umlenze wogcino olongezelelweyo yenye iseti yezitshixo zokuvelisa, ukubuyisela kwintsimbi kwindawo eyahlukileyo, uxwebhu kunye nokuqinisekisa, kunye nomthetho wegolide wokuba kungabikho zigcina zembewu ezimbini ezihlala kunye kufuneka zibambe kuzo zonke. Ukuntsonkotha lixabiso lokomelela apha, kwaye ingcebiso enyanisekileyo kukuthenga kuphela uninzi lwayo njengoko ubungakanani bugunyazisa.

Uyilo lokugcinwa kulapho ndiqala khona unxibelelwano lweofisi yosapho, kwangaphambi kokuba inani lizinziswe, ngesizathu esifanayo endisibekele sona. kutheni i-Bitcoin yeofisi yentsapho sisigqibo solawulo kuqala. Indawo encinci elawulwa kakuhle ikhupha enkulu engakhuselekanga kakuhle ngalo lonke ixesha.

Ngawaphi amaziko afanele ukuyibamba

Iofisi yosapho ayifane ibambe yonke into ngegama elinye. I-trust inokubamba isambuku, inkampani inokuthi ibambe inkunzi yemali engaphakathi kwishishini kwaye amalungu osapho anokuthi abambe isiqwenga ngamagama abo, usonga ngamnye usombulula ingxaki eyahlukileyo.

Ukubamba kukuba irhafu nganye ye-wrapper ye-Bitcoin ngokwahlukileyo kwaye nganye iyibeka phantsi ngokwahlukileyo, kwaye ukukhetha kakubi kuyabiza ukukhulula ngenxa yokuba ukuhamba okuxatyisiweyo kwe-Bitcoin phakathi kwabo kuyisiganeko esirhafiswayo. I-trust ithenga ukuqhubeka ngexabiso lezinga eliphezulu lenzuzo yenkunzi. Inkampani ifanele inkunzi ehlala ngokunyanisekileyo kwishishini. Igama lomntu lilula kwaye libiza imali eninzi de umsebenzi wezindlu uqale ukuluma. Ndilinganisela ezo zorhwebo ngokupheleleyo ukubamba i-Bitcoin kwinkampani, ukuthembela okanye igama lomntu, kunye nenguqulo emfutshane yeofisi yentsapho kukuba ukuhlukana kufuneka kugqitywe ngaphambi kokukhula, kungalungiswanga emva kwayo.

Ulwakhiwo lwamaqumrhu amaninzi lufumana ubunzima baso kuphela xa isikhundla sikhulu ngokwaneleyo ukuthethelela ukugcinwa, ukugcinwa kwamaxwebhu kunye nokuthotyelwa kweNkonzo yeRhafu yoMzantsi Afrika (SARS) kathathu endaweni yokuba kube kanye. Ngaphantsi kwalo mda i-trust eyakhelwe kakuhle ihlala icocekile. Ngaphezulu kwayo, ubhetyebhetye buxabisa ubunzima bolawulo, kwaye uyilo lwayo luhamba ecaleni kwesicwangciso sezindlu endisichazayo. ukudlulisa iBitcoin kwizizukulwana ngezizukulwana eMzantsi Afrika.

I-horizon iyatshintsha ingqondo

Umtyali-zimali wabucala udla ngokucinga kwifestile yeminyaka emihlanu ukuya kwelishumi. Iofisi yosapho icinga kwiminyaka engamashumi amabini anesihlanu ukuya kwamashumi amahlanu, kwaye olo tshintsho lulolunye lutshintsha indlela esiziva ngayo.

Kuyanceda ukunyaniseka koko kuqulethwe ngala mashumi eminyaka. Oko yaqala ukurhweba ngokubanzi, i-Bitcoin ihlupheke ngokutsalwa kane ukusuka kwincopho ephakathi kwe-76% kunye ne-90%, kwaye usapho olubambe le asethi kwisizukulwana luya kuphila ngaphezulu kwabo. Isizathu sokuba i-horizon ibe yinzuzo endaweni yokoyikeka kukuba nabani na obambe iBitcoin iminyaka emine okanye ngaphezulu ngokwembali waphelela kwindawo elungileyo, nokuba uthenge phezulu, kwaye ngaphezulu kweminyaka elishumi i-asethi iye yadityaniswa ngamaxabiso angaqhelekanga. Usapho olungenako ukunyanzelwa ukuba luthengise lunokuphatha i-drawdown ekhohlakeleyo njengemozulu kunokuba i-alam yomlilo, yiyo loo nto ukulinganisa indawo kunye nenkunzi akuyi kuyidinga usapho iminyaka ngumdlalo wonke. Umgaqo omnye obala ngaphezu kwepesenti akufanele ube ngumthengisi onyanzelekileyo.

Ulawulo: ngumgaqo-nkqubo obhaliweyo osusa uvakalelo

Ngesi sikali i-Bitcoin ifanelwe kulawulo olufanayo nakweyiphi na i-asethi enguvimba efunyanwayo, kwaye isixhobo salo ngumgaqo-nkqubo obhaliweyo ikomiti yotyalo-mali iyawulandela ngokwenene.

Umgaqo-nkqubo wogcino weBitcoin ofanelekileyo uchaza injongo yokubamba, ubuninzi bolwabiwo olunxulumene nenkunzi iyonke okanye intsalela, ixesha elilindelekileyo lokubamba kunye neemeko ezichanekileyo zokuthenga ngaphezulu okanye ukucheba. Ixela ukuba ngubani onokuthi ayalele intengiselwano kunye nokuba ngowuphi na umda wokutyikitya, ngoko ke itrasti okanye iqabane elilawulayo linokulinganisa kwakhona ngaphakathi kweeparamitha ekuvunyelwene ngazo ngaphandle kokubiza usapho lonke ngalo lonke ixesha ixabiso lehla. Yiloo nto eyahlula ugcino olulawulwayo kubhejo olusecaleni. Ulwakhiwo lwe-multisig luyinyanzelisa ngendlela yamaphepha ewodwa engazange ibe nako, kuba iguqula ukwahlulwa kwemisebenzi ibe yimathematika: umntu oqalisa intengiselwano kunye nomntu oyivumayo ngabantu abahlukeneyo abaphethe izitshixo ezahlukeneyo, kwaye yonke isignesha irekhodwa kwikhonkco njengomzila wophicotho-zincwadi onokufundwa ngumphicothi-zincwadi.

Amaxwebhu aphantsi kwayo yonke le nto ayinamtsalane kwaye athatha isigqibo. Ufuna izivumelwano zokugcina kunye neeprothokholi zolawulo eziphambili kwifayile. Udinga isicwangciso sokulandelelana malunga nokuba kwenzeka ntoni ukuba umnini-khiye oyintloko akafumaneki ngequbuliso, kunye nokuqinisekiswa okuqhelekileyo kokubamba ngokuchasene nekhonkco. Yifayile ekungekho mntu ufuna ukuyakha kwaye wonke umntu unombulelo ngelona xesha libi kakhulu.

Ijongeka njani kwizikali ezithathu

Ukuze wenze oku, yiba nomfanekiso weentsapho ezintathu zihamba kwincoko enye.

Eyokuqala ithwele i-R50 yezigidi kwaye ifuna isikhundla se-5%, ngoko ke i-R2.5 yezigidi. Lowo ngumgcini omnye onelayisensi yoMzantsi Afrika, ekusenokwenzeka ukuba yitrasti, ethengwe ngaphezulu kweenyanga ezintathu ukuya kwezintandathu, iphononongwa kanye ngonyaka. Akukho gymnastics yamaqela amaninzi, akukho drama ye-OTC, akukho qela lizinikeleyo. Iziseko zophuhliso kufuneka zihambelane nomngcipheko kwaye apha umngcipheko uthobekile.

Eyesibini ithwele i-R500 yezigidi kunye ne-5% efanayo, ngoko ke i-R25 yezigidi. Ngoku umfanekiso uyakhula: ulungiselelo olubhaliweyo lokugcina olwakhelwe ukusinda kwintsilelo enye yeziko, ukuphunyezwa kwe-OTC kumacandelo amakhulu, umgaqo-nkqubo wogcino olubhaliweyo, uphononongo lolawulo lwekota kunye nokuqinisekiswa konyaka wokubamba. Ukuthenga kuboniswa kwisithuba esingcono sonyaka kunokuba singxanyiswe.

Eyesithathu ithwele i-R2 yeebhiliyoni kwaye ijonge kwi-5% ukuya kwi-10%, kwindawo ethile phakathi kwe-R100 yezigidi kunye ne-R200 yezigidi. Yonke into engentla, kunye nolwahlulo lokugcinwa oluyilwe ukuze kungabikho nqaku elinye elinokusilela, ulwakhiwo olunokubakho lweziko ezininzi ezithatha ukuthembela ecaleni kwenkampani kunye nezinto ezibambeleneyo zobuqu, ukuqokelela okuqhubeka kwiinyanga ezininzi zokuthengwa kwe-OTC ehleliweyo, ikomiti yotyalo-mali edibana ngekota kunye nokulandelelana kunye nokudluliselwa kwefayile eyakhelwe isizukulwana esiyifumana njengelifa.

Ipateni kuzo zontathu iyafana. Ipesenti yileyibhile esebhokisini. Isakhiwo yinto ehlala ngaphakathi kuyo, kwaye kwisikali seofisi yosapho eso sakhiwo ngumsebenzi. Yila eso sakhiwo phambi kokuba nixoxe ngenani, ngoko bhukisha iseshoni yesakhiwo seofisi yosapho ukuyakha ngolo hlobo.