CARF Uyaphila. Yintoni ekufuneka bayenze ngoku abanini beBitcoin baseMzantsi Afrika.

Phantse ishumi leminyaka uMzantsi Afrika ubungenayo indlela ezenzekelayo yokubona i-Bitcoin yakho, kwaye nge-1 Matshi 2026 yaphela. Ukususela ngaloo mhla i-Crypto-Asset Reporting Framework, umgangatho we-OECD ilizwe elamkelwe ngokulungiswa koMthetho woLawulo lweRhafu, ubophelela wonke umnikezeli onelayisenisi kunye noqhagamshelwano lwaseMzantsi Afrika ukuba anike i-SARS ifayile yonyaka ehleliweyo yento oyithengileyo, into oyithengisileyo kunye nexabiso lerandi lentshukumo nganye. Esi siqhekeza endisisebenzisayo ukucacisa isakhelo ngokwaso kubaxhasi: yintoni i-CARF, xa iluma, kwaye yintoni ngokwenene ehlala kutshintshiselwano olunelayisensi. Oomatshini bokunyanzelisa ndibagcina bohlukeneyo, kuba bafanelwe yimpatho yabo.

Uninzi lwabatyali-zimali baseMzantsi Afrika bandibuza into enye kuqala. Ngaba uqhankqalazo luyeza? Kuba nabani na othe wabhengeza waza wagcina iirekhodi, hayi. I-CARF yenza ngokulula indawo ecocekileyo ukuba ifundeke kwaye imdaka ibonakale, kwaye loo mahluko yiyo yonke inqaku lesakhelo.

Yintoni kanye kanye CARF

I-CARF ngumgangatho we-OECD wokutshintshiselana ngokuzenzekelayo kwedatha ye-crypto Intlawulo phakathi kwabasemagunyeni berhafu, kwaye uMzantsi Afrika uqalise ukusebenza ukususela ngo-1 Matshi 2026 ngezilungiso kuMthetho woLawulo lweRhafu. Ifikelela nakuwuphi na uMboneleli weNkonzo ye-Asethi ye-Crypto ene-nexus yaseMzantsi Afrika, okuthetha ukuba umboneleli ofakwe apha, olawulwa ukusuka apha okanye uqhuba nje umsebenzi onabasebenzi apha. Yenziwa ngamabomu kwiinkqubo esele zinike ingxelo ngeeakhawunti zebhanki ezikude nolwandle kwi-SARS, ke ukuba ukhe waba ne-akhawunti yelinye ilizwe ephawulwe ngokuzenzekelayo, sele uyayazi imilo yale nto. Ubutsha ayingoomatshini. Kungenxa yokuba i-Bitcoin ngoku itsalwe ngaphakathi kuyo.

Inqaku eliphoswa ngabantu kukuba i-CARF ayidali rhafu entsha. Yimibhobho yamanzi.

Akukho nto malunga nendlela i-SARS irhafu ngayo inzuzo yeBitcoin ihambe ngenxa yesakhelo. Ukuthenga nokubamba ayisosiganeko esirhafiswayo, ukulahlwa kusenjalo, kwaye umbuzo wenkunzi-malingengeniso usavula injongo yakho kunye nepateni yakho yomsebenzi kunestophuwotshi. Ukuba ufuna unyango olusisiseko lwerhafu lubekwe ngokufanelekileyo, ndigubungela i-trigger yokulahla kunye nombuzo wohlelo into ekufuneka uyixele kwi-SARS ngo-2026. I-CARF ihleli phezu kwayo yonke loo nto. Itshintsha ukubonakala komsebenzi wakho, hayi imigaqo esebenzayo kuyo.

Kwakhona ayimi yodwa. I-CARF ngumaleko wokunika ingxelo wokuqiniswa okubanzi ngakumbi kwenkqubo ye-crypto yaseMzantsi Afrika ehamba nge-2023 ukuya kwi-2026, ukusuka kwilayisenisi yomnikezeli ukuya kunyango lokutshintshwa kwexabiso lomda. Umgangatho wokunika ingxelo yinxalenye nje echaphazela ngqo imbuyekezo yakho yerhafu. Ndabeka iziqwenga ecaleni kwenye yintoni iSARS eyibonayo xa ijonga iBitcoin yakho, kuba i-CARF yenza ingqiqo ngakumbi njengesixhobo esinye kwiseti kunomgaqo ozimeleyo ovele ngobusuku.

Yintoni ehlala kutshintshiselwano olunelayisensi

Xa uthengiselana kumboneleli obanjwe sisikhokelo, ifayile eyakhela i-SARS ineenkcukacha kunokuba isishwankathelo esinzima. Ulwazi lwakho lokuchonga luhamba kuqala: igama, idilesi, indawo yokuhlala yerhafu kunye nenombolo yerhafu. Emva koko umsebenzi wonyaka, yonke into efunyenweyo, ukuchithwa nokudluliselwa, kunye neeyunithi zizonke ezisusiweyo kunye nerandi iyonke ehlawulweyo okanye efunyenweyo, iguqulelwe kusetyenziswa iindlela zoqingqo-maxabiso ezimiselwe yimigaqo. Ifayile ide ithwale i-wallet-to-wallet transfers, kubandakanywa neengqekembe zemali ozithumela kwi-wallet yabucala engeyomnikezeli kwaphela. Ifika ngonyaka, ngaphandle komyalelo wenkundla kwaye ungakhange wenze nantoni na ukuyivusa.

Oku kufanelekile ukuba unqumame ngenombolo ephathekayo. Umlondolozi waseStellenbosch othenga ama-R8,000 e-Bitcoin nyanga nenyanga kwiqonga elinephepha-mvume akavelisi inani elingacacanga lonyaka le-SARS. Umboneleli unika ingxelo yokufunyanwa kweshumi elinesibini, ixabiso lerandi nganye, kunye nosuku nayiphi na into ethe yahamba ngalo.

Nje ukuba i-SARS ibambe loo fayile icwangcisiweyo inokuyibeka ngokuchasene nesikhundla osibhengeze sona, kwaye apho ezimbini zingavumelani imiphezulu engafaniyo ngaphandle komntu owakhe wavula ifolda yakho. Elo nyathelo loxolelwaniso sisiphelo esibukhali sayo yonke le nto, kwaye ndiyibeke ngokwahlukeneyo indlela i-SARS idibanisa ngayo idatha yayo kwimbuyekezo yakho, kuba ifayile efikayo kunye nokufika kophicotho ziziganeko ezibini ezahlukeneyo ezinexesha elahlukileyo.

Yintoni etshintshileyo nge-1 kaMatshi 2026

Ngaphambi kwaloo mhla i-SARS kwafuneka ivule uphicotho-zincwadi ngaphambi kokuba ibone imbali yakho yokutshintshiselana, kwaye ukutsala loo datha kwathatha umyalelo wenkundla. Ngokwesiqhelo i-Bitcoin yayihleli ngaphandle kwesiseko sokuthotyelwa kwesiqhelo, yiyo loo nto kanye abantu abaninzi baziqinisekisa ukuba ihleli ngaphandle kwerhafu. Loo mbono yayisoloko iphosakele. Into etshintshileyo ngomhla woku-1 kuMatshi ngo-2026 kukuba ingqikelelo ngoku iyabonakala ayilunganga: SARS ifumana ifayile yonyaka ngokuthe ngqo, icwangciswe kwaye ilungelelaniswe ngokuchasene ne-ITR12 yakho, akukho krokro lufunekayo.

Umlenze womda ubala kakhulu kwaye ufika ngokucothayo. UMzantsi Afrika uhleli ngaphakathi kuthungelwano lotshintshiselwano oluzenzekelayo lwe-OECD, ngoko ke i-Bitcoin ibanjwe kutshintshiselwano olunelayisensi kumazwe angaphandle ixelwa kwinkonzo yengeniso yelizwe, ethi ke idlulisele idatha ku-SARS. Umhlali waseRhawutini oqhuba ngokuzolileyo isikhundla kwiqonga laphesheya kolwandle akaphumi emehlweni.

Olokuqala kolo tshintshiselwano lwamazwe ngamazwe lulindeleke malunga noSeptemba ka-2027, emva koko kuthunyelwe ekhaya kodwa kwindlela efanayo. Abahlali berhafu baseMzantsi Afrika sele kufuneka babhengeze ii-asethi zemali zamazwe angaphandle, kwaye i-Bitcoin egcinwe kude nonxweme yenye yazo.

Kuthetha ukuthini oku kumtyali-mali othobelayo

Ukuba isiseko sakho seendleko sibhaliwe, ukubamba kwakho kubhaliwe kwaye iinzuzo zakho zibhengezwe, i-CARF isondele kwinto engeyonto yakho. Iirekhodi zakho kunye nefayile ye-SARS iyavumelana, akukho kubonakaliswa okufihliweyo, kwaye uphicotho-zincwadi, kwimeko engalindelekanga, luhamba ngokukhawuleza kuba idatha sele ihambelana nembuyekezo yakho. Esi sisikhundla endiyakhayo kunye nabathengi ukusuka ekuthengeni kokuqala, ngokuchanekileyo kuba akubizi nto yonke ukuyigcina kunye nexabiso elikhulu lokwakha kwakhona kwiminyaka emithathu kamva.

Kwale ngqiqo ifanayo ifikelela kwiitrust nakwizakhiwo zeshishini. I-trust ebambe i-Bitcoin kumzila welayisensi, ebhalwe ngokuchasene nenombolo yerhafu ye-trustee kunye nesiseko seendleko ezihambelanayo, iya kubonisa kwifayile ye-SARS njengerekhodi elicocekileyo nelihambelanayo kunokuba i-puzzle i-trustee ichaze emva kwenyani.

Uninzi lwabantu abalumkileyo ngenye indlela baye baphatha i-CARF njengendlela yokuqhekeka ejolise kubo. Ayiyo. Sisipili, kwaye isipili siyakukhathaza kuphela xa ungayithandi into esele ikhona.

Kuthetha ukuthini oku kumtyali-mali onezikhewu

Kuba nabani na imbali yeBitcoin ayibhalwanga ngokupheleleyo, okanye isikhundla sakhe serhafu singaqinisekanga, i-CARF iyifestile ecuthayo kunokuba i-shrug. I-SARS ibambe idatha ecwangcisiweyo malunga nomsebenzi wotshintshiselwano ukususela nge-1 Matshi 2026, kwaye apho indawo yakho ebhengeziweyo ingahambelani nayo iya kuvela ukungafani xa uxolelwaniso luqhuba. Indlela ebuyayo yiNkqubo yokuDiza ngokuZithandela, ekuvumela ukuba uchaze iminyaka kunye nezixa-mali, uhlawule irhafu kunye nenzala kunye nesohlwayo ebesifuneka, kwaye uthenge ukuvalwa ngokusemthethweni ngaloo maxesha. Ayiloxolo. Uhlawula yonke into obuyityala. Into eyisusayo kukuvezwa okuqhubekayo kokufika kophicotho-zincwadi kwiminyaka ongathanda ukuyilibala.

Ixesha ngumdlalo wonke. Inkqubo ivuza abo bafika ngaphambi kokuba i-SARS yenze, ngoko iyafumaneka kuwe ngoku, ngelixa iinkqubo zisakhiwa kunokuba ziqhube ngokuchasene nawe. Nje ukuba injini ehambelanayo ifake iflegi yefayile yakho awusekho kwindawo yokuveza ngokuzithandela, kunye neendleko kunye nobunzima obusemthethweni bokwenyuka. Umxhasi okufutshane noGeorge wandibuza kwinyanga ephelileyo ukuba bekufanelekile na ukubuyela emva kwiminyaka emithathu ukulungisa ibhetshi yorhwebo awayengazange acinge ukuyibhengeza. Ibiyi. Ukoyikeka kuye kwamlahlekisela ngaphezulu kunoko ebenokuchazwa ngalo.

Yintoni i-CARF engafikeleli kuyo

Ukuzigcina i-Bitcoin ayichazwanga nguwuphi na umnikezeli, ngenxa yesizathu esilula sokuba akukho mboneleli uyibambe. Iingqekembe ezithengwe kwiminyaka eyadlulayo kwaye zange zidluliselwe kutshintshiselwano lwaseMzantsi Afrika aziveli kwifayile ye-CARF, kwaye utshintshiselwano loontanga-kwintanga phakathi kwabantu bahlala ngaphandle kwalo, kuba alikho iqela elinomboneleli onelayisensi. Le yinyani abantu abasoloko bengayifundanga kakuhle, ngoko ke mandingafihli nto ngayo. Ingxelo iyeka kukuzimela. Isibophelelo serhafu asikwenzi. Thengisa ezo ngqekembe ngenzuzo kwaye irhafiswa kanye njengoko bekuya kuba kumsebenzisi wotshintshiselwano, kwaye isipaji abaphuma kuso asitshintshi nto ngaloo nto. Ndiyikhuphe ngokupheleleyo loo mgibe isikhokelo sokuzigcina eMzantsi Afrika, kunye nomfanekiso obanzi wolawulo kwi ukuba ithetha ukuthini imithetho emitsha ye-crypto ukuba ubambe i-Bitcoin ngo-2026.

I-Bitcoin ebanjwe kwiqonga langaphandle elingalawulwayo yimeko engwevu. Ukuba elo qonga lihlala kwilizwe elingaphakathi kwenethiwekhi ye-OECD yokutshintshiselana ngokuzenzekelayo kunye nelungiselelo lokwabelana ngedatha kunye ne-SARS, idatha isenokuthi ibuyele ekhaya ngokungathanga ngqo, kwaye inani lamazwe athatha inxaxheba lihlala likhula. Ukunyanga iqonga elingalawulwayo langaphandle njengento engabonakaliyo kubhejo olukhulayo olungathembekanga.

Izinto ezintathu omawuzenze ngoku

Qala ngokuxolelanisa. Tsala imbali yakho epheleleyo yentengiselwano kumboneleli ngamnye onelayisensi oyisebenzisileyo kwaye uyibeke ngokuchasene nezibhengezo kwiimbuyekezo zakho ze-ITR12 zangaphambili, ukuze ufumane izikhewu phambi kokuba i-SARS yenze. Ukuthunyelwa ngaphandle komnikezeli yimathiriyeli ekrwada yoku, hayi impendulo. Irekhoda okwenzekileyo kodwa ayicaluli kwanto, bala ixabiso elichanekileyo lerandi ngomhla obekiweyo okanye ulungise inxalenye yokulahla okuthengwe ngamaxabiso ahlukeneyo, kwaye yonke loo nto luxanduva lwakho endaweni yeqonga.

Emva koko udibanise. Ukuba uthe wasasaza ukuthenga kwakho kwiqonga elingaphezulu kwesinye, qokelela ezo zithunyelwa ngaphandle kumfanekiso omnye, kuba idatha ye-CARF ifika kumnikezeli ngamnye ngokwahlukileyo kwaye awukwazi ukudibanisa ngokufanelekileyo ngokuchasene nesiqingatha sefayile.

Apho isikhundla sakho singaqinisekanga ngokunyanisekileyo, intsebenziswano yeminyaka emininzi, i-trust okanye inkampani ephetheyo kunye ne-cross-border element, fumana iingcebiso kumntu oyiqondayo irhafu kunye ne-asethi kunokuba uqikelele. Inxalenye yobugcisa yerhafu yeBitcoin ayinzima. Lumanyano phakathi kwaloo nto kunye neemeko zakho ezibuyisela iliso lobuchule, kwaye yincoko efikelelekayo kakhulu ngaphambi kokuba ifayile ifike kunasemva.