Indlela yokuthenga i-Bitcoin eMzantsi Afrika ngokufanelekileyo

Ukucofa thenga kwi-app kuthatha imizuzu emihlanu. Ukuthenga i-Bitcoin ngendlela eyanelisa umlawuli, kusinda ekungaphumeleli kokutshintshiselana kwaye iseyeyosapho lwakho kwiminyaka engamashumi amabini kuthatha ixesha elide kwaye ibuza ngakumbi kuwe. Le yinkqubo endiyiqhubayo kubathengi, ukusuka kwisicelo somzuzu omnye ngokuqinisekiswa kunye nenkxaso-mali ukuya kumhla izitshixo zihlala ezandleni zakho.

Umbuzo ufika kum kwiiveki ezininzi: phi ukuthenga i-Bitcoin eMzantsi Afrika ngaphandle kokutshiswa. Phantse akukho mntu ubuza ukuba yeyiphi i-app eneyona tshati intle. Bafuna ukwazi ukuba bangayibeka phi imali yosapho yokwenyani ukuze ithengwe ngokusemthethweni, igcinwe ngokufanelekileyo kwaye ibuyiselwe xa ubomi buhamba ecaleni.

Impendulo enyanisekileyo kukuba ukuthenga yinxalenye elula.

Bendikule ntengiso ukusukela ngo-2016 kwaye ndihlala ndidibana nabantu abathe bathenga ngokufanelekileyo kwaye yonke into eyingqongileyo ayilunganga. Bacinezele ukuthengwa kweqonga elithile ngemizuzu emihlanu kwaye bazishiya iingqekembe zihleli apho, emva koko bafunda umahluko phakathi kwebhalansi yotshintshiselwano kunye neBitcoin yosuku lokurhoxiswa kweqhwa. Ukuthenga kuthatha emva kwemini enye. Ukuthotyelwa phambi kwayo kunye nokugcinwa emva kokuba ithathe isigqibo sokuba i-Bitcoin iseyeyakho kwiminyaka elishumi, ngoko ke kulapho umsebenzi wangempela uhlala khona.

Ngaba kusemthethweni ukuthenga iBitcoin eMzantsi Afrika?

Isemthethweni kwaye ilawulwa kakhulu kunokuba abantu abaninzi becinga. Ngomhla we-19 ku-Okthobha ka-2022 i-FSCA ibhengeze iimveliso zezemali ze-crypto asethi phantsi koMthetho we-FAIS, okuthetha ukuba nabani na onika iingcebiso okanye onikezela ngeenkonzo zomlamli kwi-Bitcoin kufuneka abe ngumboneleli weenkonzo zemali onelayisenisi okanye ummeli otyunjwe omnye. Kwiinyanga ezimbini kamva ababoneleli ngenkonzo ye-asethi ye-crypto baba ngamaziko aphendulayo phantsi kweShedyuli ye-1 ye-FIC Act, ezisa ubunzima obupheleleyo be-FICA kwicandelo. NgoFebruwari 2025 i-Financial Intelligence Centre ine-256 ababoneleli ababhalisiweyo be-crypto kwiincwadi zayo. Iziko eliphendulayo kufuneka liqinisekise ukuba ngoobani na abathengi balo kwaye lichaze umsebenzi okrokrelayo, imisebenzi efanayo ephethwe yibhanki yakho. Umlawuli ofanayo uphawula ukuba ngaphezu kwe-5.8 yezigidi zabemi baseMzantsi Afrika sele bephethe i-crypto assets, ekufutshane neyodwa kwishumi lethu, ngoko akukho nanye yale nto ingumsebenzi we-fringe.

Eso sikhokelo sisihluzo sakho sokuqala. Ilayisenisi ayenzi ukuba umboneleli abe nobuchule kodwa ukungabikho kwayo kukuxelela yonke into. I-FSCA iye yalumkisa malunga nabakhohlisi abazenza ababoneleli abasemthethweni, abanye basebenzisa iividiyo eziveliswe yi-AI ukukhuthaza amaqonga angekhoyo. Ikhawuntara ayibizi nto: jonga umboneleli kwirejista FSCA phambi kokuba nayiphi na irandi ihambe. Ndimisele indlela epheleleyo ujonga njani ukuba umboneleli wakho weBitcoin unelayisensi FSCA.

Eyam ilayisenisi ihlala ne-CAEP Asset Managers (FSP 33933). I-SimplB isebenza njengommeli osemthethweni we-CAEP, nto leyo endivumela ukuba ndithengise ukuthengwa kwe-Bitcoin njengomsebenzi wemali olawulwayo kunokuba ilungiselelo lokuxhawula izandla. Isibhengezo esenza ukuba eli shishini libe semthethweni likwanyuse izinga lokungena kulo. Oko kubafanele abathengi bam kakuhle.

Yintoni endiyidingayo ngaphambi kokuba ndithenge?

Udinga amaxwebhu amathathu kunye nomonde omncinci. Ndicela isazisi sakho okanye incwadana yokundwendwela, ubungqina bedilesi engekho mdala kuneenyanga ezintathu kunye nenombolo yakho yerhafu SARS. Uqinisekiso lwenzeka kwi-intanethi ngomboneleli wam wokuthotyelwa: ulandela ikhonkco elikhuselekileyo kwaye ufote uxwebhu lwakho, emva koko i-selfie emfutshane ijongana nobuso bakho nayo. Akukho mntu uyonwabelayo i-FICA. Ndiyayenza yonke imihla, ngoko ke umntu okukhokelayo uye wayibona yonke indlela enokuthi ingahambi kakuhle ngayo.

I-classic snag bubungqina bedilesi. Isiteyitimenti sebhanki okanye iakhawunti kamasipala ebonisa igama lakho nedilesi yendawo ohlala kuyo isebenza okokuqala. Isivumelwano sokuqesha asizimeli ngokwaso; ifuna ubungqina bomnini-mhlaba obuncanyathiselwe, nto leyo emangalisa phantse wonke umntu orentayo.

Ukuthenga izinto ezinkulu zilindele umthombo wengxoxo yemali. Ukuba i-R2 yezigidi zeerandi ifika isuka kwintengiso yepropati, ingxelo ebhaliweyo yaloo ntengiso ikwifayile phambi kokuba imali ihambe. Oku akuyena umboneleli onzima. Ngumboneleli ogcina iphepha-mvume lakhe. Enye engazange ibuze ikuxelela ukuba iyiphatha njani yonke incwadi yomthetho.

Ndiyibeke yonke i-regimen Ukuthotyelwa kweBitcoin kunye neFICA eMzantsi Afrika ukuba ufuna iinkcukacha. Uguqulelo olufutshane kukuba amaphepha akukhusela njengokuba inkqubo. Iqinisekisiwe, ibhalwe i-Bitcoin ibhankini i-Bitcoin: xa uthengisa ngenye imini, imali inendlela ecocekileyo yokubuyela kwi-akhawunti yakho.

Ndithenga njani ngokwenene? Inkqubo, inyathelo ngenyathelo

Abakhandi bayadika ngabom. Ukusuka kumbuzo ukuya kubamba iBitcoin, indlela ibonakala ngolu hlobo:

1. Gqibezela omfutshane ifomu yokufaka isicelo. Kuthatha malunga nomzuzu kwaye i-portal yomxhasi wakho ivula ngoko nangoko.
2. Qinisekisa isazisi sakho. Ikhonkco lakho lokuqinisekisa elikhuselekileyo lifika kwiiyure ezili-12 zokufaka isicelo. Lungiselela amaxwebhu akho kwaye wenziwa ngexesha elinye.
3. Inkxaso-mali yi-EFT. IRandi isuka kwiakhawunti yebhanki egameni lakho isebenzisa ireferensi yakho eyodwa. Iintlawulo zomntu wesithathu azamkelwa, nto leyo ekhuselayo kunokuba iphazamise.
4. Ukuthenga kwenziwa kwimarike. Iiodolo zisebenza ngokuzenzekelayo ngokusebenzisa amaqabane am okubulawa ngexesha imali yakho icacile, kunye nengxelo ebonisa ixabiso eliphakathi kunye nokuba yimalini ethengileyo yeBitcoin.
5. Gcina iingqekembe zakho. I-Bitcoin isusa utshintshiselwano ibe kwisakhiwo osilawulayo kwaye ndihlala ndibandakanyeka de ube ukhululekile ukuyiqhuba.

Isantya sokubulawa siyabothusa abantu apha. I-odolo ye-R10,000 iguqulelwa kwi-Bitcoin malunga nemizuzwana engamashumi amathathu ngelixa ubukele. I-odolo yezigidi ezi-5 zeerandi isetyenzwa ngokuzolileyo kwiimarike ngeeyure ezimbalwa ukuze ubungakanani bungasusi ixabiso kuwe. Nantoni na indlela enkulu ngedesika ye-OTC, ehlala kuyo nayiphi na isayizi kwaye yakhelwe kanye olo hlobo lwengxaki.

Ukuthengisa kusebenza ngendlela efanayo kwi-reverse. Xa imini ifika, iinkozo zemali zibuyela umva ngejelo elinye elilawulwayo kwaye irandi izinza kwiakhawunti yebhanki eqinisekisiweyo evela kuyo, eyirekhodi ebhaliweyo kanye ecocekileyo ebhalwe yibhanki yakho kunye ne-SARS eya kufuna ukuyibona.

Ukwahlulwa kwabasebenzi kuhlala kulula kulo lonke. Ugqiba ukuba yimalini. Ndiyaqinisekisa ukuba awulahleki.

Ithatha ixesha elingakanani yonke le nto?

Uninzi lwabathengi bokuqala basuka kwisicelo ukuba babambe iBitcoin ngaphakathi kweveki. I-portal ivula umzuzu ofaka isicelo, ikhonkco lokuqinisekisa lihlala kwiiyure ze-12 kwaye amaxwebhu acocekileyo acacile ngokukhawuleza. Ubungqina obuyingxaki bedilesi bunokongeza iintsuku ezimbalwa emva naphambili. Wakuba uqinisekisiwe isantya sesakho: i-EFT iyacima, intengo yenzeka kwangaloo mini kwaye ukusetwa kogcino lubhukishwa kwidayari yakho. Lonke utyhutyha lubaleka kwi-intanethi, yindlela endikhonza ngayo abathengi abasuka eGeorge kwiGarden Route kungekho mntu ufuna ukubhabha naphi na. Yonke into ethengiweyo emva kweyokuqala yi-EFT nje.

Ngaba ikhuselekile? Apho iBitcoin yakho ihamba khona emva kokuthenga

Ukuthenga ngomnikezeli onelayisenisi kujongana nomngcipheko osemthethweni. Ingozi enkulu yinto eyenzekayo emva korhwebo, kuba amaninzi amaqonga akushiya ubambe isithembiso.

Ibhalansi yokutshintshiselana ibango ngokuchasene nenkampani, hayi iBitcoin. Xa i-Mt Gox yawa ngo-2014 yathatha malunga ne-850,000 ye-BTC yeemali zeklayenti phantsi nayo. I-Bitfinex ilahlekelwe phantse i-120,000 ye-BTC kubaduni ngo-2016. UMzantsi Afrika uvelise inguqulelo yayo xa utshintshiselwano lwendawo i-iCE3 lwasilela, lushiya abathengi befolile njengababolekisi. Ngaphezulu kwama-400 otshintshiselwano aluphumelelanga kwihlabathi liphela ukusukela oko i-Bitcoin yaqala ukurhweba kwaye ipateni ayizange itshintshe: iingqekembe beziyinyani, abathengi abazange bazibambe.

Yiyo loo nto inkqubo yam iphela ngokunikezelana endaweni yebhalansi.

Ukusuka kwi-R10,000 ndiye ndamisela indlela yokuzigcina ekhokelwayo: isipaji sehardware esithengwe esitsha kumvelisi, salungiswa kunye ekufowuneni, kunye nebinzana lokubuyisela eligcinwe kwimathiriyeli elungileyo kwaye yavavanywa phambi kokuba imali enentsingiselo ichukumise. Ukubamba okukhulu kuya kwi-SimplB Vault, i-2-of-3 isakhiwo se-multisig. Ubambe izitshixo ezibini kwizixhobo ezahlukeneyo, i-Trezor kunye ne-Ileja. Ndibambe iqhosha elinye lokubuyisela le-Coldcard. Nawaphi na amaqhosha amabini kufuneka asayine phambi kokuba iingqekembe zemali zihambe, ke andinako ukuchukumisa i-Bitcoin yakho ngokwam kwaye isixhobo esinye esilahlekileyo asikubizi nto ngaphandle kokubuyisela. Ii-backups zembewu ziya entsimbini kunephepha kwaye akukho zigcina zimbini ezake zabelana ngendawo. Kwicala lotshintshiselwano, iingqekembe ezikhe ziphume ziye kuphela kwiidilesi ezifakwe kuluhlu olumhlophe kwangethuba, ngoko ke kukho indlela enokuphicothwa ukusuka kwi-EFT yakho yokuqala ukuya kwivault yakho.

Ukuba ufuna ukuqiqa ngaphambi kokuba uzibophelele ekusebenziseni izitshixo zakho, Ukugcinwa kweBitcoin eMzantsi Afrika iwugubungele ngokunzulu.

Iimpazamo ndihlala ndizibona

Ukhuseleko kwiminyaka yokuqala yeBitcoin yayisisifundo esinzima ngakumbi kunangoku kwaye ndandizihlawulela imali yam yesikolo ngokuyifunda. Inqaku lenkqubo efanelekileyo kukuba akufanele uhlawule eyakho. Emva kweminyaka ephantse ibe lishumi yokubukela abemi boMzantsi Afrika bengena kolu shishino, iimpazamo ziye zabonwa kwangaphambili.

Eyona nto ixhaphakileyo kukuphatha ukutshintshiselana njengebhanki kwaye ushiye iingqekembe apho iminyaka. Eyesibini ichasene nayo: ukungxamela ukuzigcina kunye nokufota ibinzana lokubuyisela ukuze ugcinwe ngokukhuselekileyo. Ibinzana lembewu kwifowuni libinzana lembewu kwi-intanethi. Yeyamaphepha okanye intsimbi, ngaphandle kweintanethi, kwindawo onokuthi ufike kuyo kuphela. Esona sisongelo esikhulu kwi-Bitcoin yokuzimela ayiyona i-hacker kwi-hoodie. Ngumnini.

Izipaji zehardware ezithengwa kubathengisi bemarike yenye intlekele ezolileyo. Isixhobo esifika sinebinzana lembewu sele sigcwalisiwe okanye sipakishwe sivuliwe sisenokuba sesomnye umntu. Thenga ngokuthe ngqo kumenzi okanye umthengisi ogunyazisiweyo kwaye akukho nanye indawo.

Emva koko kuza imikhonyovu. I-FSCA igcina isilumkiso malunga neevidiyo ezinzulu kunye namaqonga adibeneyo azenza ababoneleli abanelayisensi, akhazimliswe ngokwaneleyo ukuba akhohlise abantu abanononophelo. Imali ethunyelwe kwiqonga lomgunyathi ayibuyi. Ukhuseleko yimikhwa kunemveliso. Ungaze ufake isipaji okanye iinkcukacha zeakhawunti kwikhonkco kwi-imeyile; chwetheza idilesi ngokwakho. Phatha naluphi na ulwandiso lwebhrawuza ekhankanya i-crypto njengobutshaba de kungqinwe ngenye indlela. Ngaphezu kwako konke, khumbula ukuba nantoni na ethembisa ngembuyekezo eqinisekisiweyo bubuqhophololo, kuba i-asethi yokwenyani ayinakuze ikuthembise nantoni na.

Impazamo yokugqibela izolile. I-Bitcoin ibanjwe ngokufanelekileyo kunzima ukuyiba, nto leyo eyenza kube lula ukulahlekelwa yintsapho xa umniniyo efa. Ukuba akukho mntu waziyo ukuba iingqekembe zikhona okanye zisebenza njani ukuchacha, iindlalifa zakho zongeza kwizigidi esele zilahlekile ngonaphakade. Lonke ucwangciso lokugcinwa endilwenzayo lubandakanya amaxwebhu okubuyisela kanye ngenxa yesi sizathu, kunye nemiyalelo yofikelelo ekwintando yakho endaweni yedrowa.

Kufuneka uqale ngemali engakanani?

Qala kancinci kunokuba ucinga ukuba kufuneka uhlale ixesha elide kunokuba ubucebe. I-Bitcoin ayilotyalo-mali lwexesha elifutshane kwaye ndicela abathengi ukuba bazibophelele kubuncinci bembono yeminyaka emihlanu ukuya kwelishumi phambi kokuba irandi yokuqala ihambe.

Ngaphakathi kweso sakhelo iindawo zokungena zilula. Ngenyanga izicwangciso zokonga iqala kwi-R1,000 ngenyanga, iguqulelwe kwiBitcoin ngokuzenzekelayo ukuze uqeqesho lungaze luxhomekeke kwimo yakho. Ukuzigcina ngokukhokelwayo kuqala kwi-R10,000, apho ukubamba izitshixo zakho ufumana iinzame zokuseta. Idesika ye-OTC iphethe isiphelo esiphezulu nakweyiphi na isayizi. Abathengi abafuna i-offshore ye-iDola yase-US bangabhalisa inzala.

Ukuba uhleli unenombolo ethile engqondweni, I-R100,000 yakho yokuqala kwiBitcoin ihamba ngendlela endiya kuyisebenzisa ngayo, kuquka isixa xa kuthelekiswa nombuzo wenyanga.

Iireyile azikhathali ngobungakanani. Isicwangciso senyanga se-R1,000 kunye nomyalelo we-OTC onamanani asixhenxe ahamba ngendlela efanayo, ngoko ke akukho sohlwayo xa uqala ngokuthozama kwaye akukho siling xa unetyala.