Ungajonga njani ukuba uMboneleli wakho weBitcoin unelayisensi FSCA, kwaye kutheni ibalulekile ngaphezu kokuba ucinga.
Ingaba umboneleli weBitcoin waseMzantsi Afrika unelayisensi ye-FSCA yeyona itshekhi egqiba yonke enye into. Yenze phambi kokuba irandi enye ihambe kwaye uninzi lweendlela ezingalunganga zivale emva kwakho. Yitsibe kwaye uyayithemba iwebhusayithi. Irejista ikhululekile ukukhangela. Ukuyitsiba yinto engaqhelekanga ukuyenza ngemali yosapho lwakho.
Ukuthathwa okungundoqo
I-FSCA igcina irejista yoluntu yababoneleli abanelayisensi kwaye ukukhangela kuthatha malunga nemizuzu emibini. Iphepha-mvume liqinisekisa ukuba umboneleli uye wacinywa imigangatho yokwenyani, kuquka imfuneko yokuba Bitcoin yakho igcinwe ngokwahlukileyo ngokusemthethweni asethi yefem, ngoko ke ayinakutshayelwa kwi insolvency ukuhlawula abatyalwayo inkampani. Ngomboneleli ongenalayisenisi ukuba ukhuseleko alukho kwaye akukho ndlela yakho eya kumlawuli xa kukho into ephukile.
Ndicelwa ukuba ndicebise utshintshiselwano kwiiveki ezininzi. Impendulo yam yokuqala ayilogama. Ngumbuzo obuyayo: ngaba umjongile umboneleli kwirejista ye-FSCA okwangoku. Amatyeli alithoba kwabalishumi umntu akanalo, kuba akukho mntu ubaxelele ukuba irejista isesidlangalaleni, okanye ukuyijonga ngumahluko phakathi kokuba neBitcoin nokubamba isithembiso kumntu ongamaziyo.
Ke mandikuxelele.
Uyijonga njani irejista ngokwakho
UGunyaziwe wokuZiphatha kwiCandelo lezeziMali uqhuba uphando loluntu kubo bonke ababoneleli beenkonzo zemali abagunyazisiweyo elizweni. Awudingi akhawunti, umrhumo okanye imvume yakhe nabani na ukuyisebenzisa. Vula i-fsca.co.za, fumana uphando lwabanikezeli beenkonzo zemali abagunyazisiweyo, kwaye unokukhangela inkampani ngenombolo yayo ye-FSP okanye igama lenkampani elibhalisiweyo.
- Cela umboneleli ngenombolo ye-FSP abasebenza phantsi kwayo. Ifemu enelayisensi ikunika kumgca omnye. Ukuthandabuza apha sele kuyimpendulo.
- Khangela loo nombolo ye-FSP, okanye igama elibhalisiweyo, kwirejista ye-FSCA ku-fsca.co.za.
- Funda into ebuyayo. Khangela ukuba iziko liyasebenza, ukuba ii-asethi ze-crypto zivela phakathi kweemveliso ezigunyazisiweyo, kwaye ummeli okanye ummeli wezomthetho osebenza naye udweliswe phantsi kwayo.
Elo nyathelo lokugqibela lelo abantu abasoloko belikhumbula. Ifemu inokunikwa ilayisenisi ngokugqibeleleyo ngelixa umntu okuthengisayo iBitcoin engabotshelelwanga kuyo nangayiphi na indlela irejista eyamkelayo. Lo msantsa ubonisa ngokucacileyo kwirejista ngokwayo ukuba uyazi ukuya kuyikhangela. Umsebenzi wonke uthatha imizuzu emibini ukusuka ekuqaleni ukuya ekupheleni kwaye yeyona inshorensi inexabiso eliphantsi naphi na kuyo yonke le nkqubo.
Xa imigaqo ngokwenene yatshintsha
Akukho nanye kwezi ekhoyo ngendlela esebenzisekayo kude kube mva nje, ekufuneka uyikhumbule xa umntu ekuxelela ukuba ishishini belisoloko lingaphezulu kwebhodi. Ngomhla we-19 ngo-Oktobha 2022 i-FSCA yapapasha iSaziso esiPhakathi 1350 kwaye yabhengeza i-crypto assets njengemveliso yemali phantsi koMthetho we-Financial Advisory and Intermediary Services Act (FAIS). Ukusukela ngaloo mhla nabani na ocebisa abemi boMzantsi Afrika ngeBitcoin okanye obathengisela yona wayefuna ilayisenisi, okanye kufuneka asebenze njengommeli wefemu ebambe yona. Ishumi leminyaka lokunyusa kwaye liyibiza ngokuba yindawo engwevu yaphela.
Kwiinyanga ezimbini kamva umnatha waphinda waba banzi. Izilungiso kwi-Financial Intelligence Centre Act yaqala ukusebenza ngomhla we-19 kunye ne-31 kaDisemba 2022 kwaye yongeza ababoneleli ngenkonzo ye-asethi ye-crypto njengamaziko aphendulayo, ukulahla ubunzima obupheleleyo be-FICA kwicandelo. Ngomhla we-10 ngoFebruwari 2025 i-Financial Intelligence Centre ine-256 ababoneleli be-crypto ababhalisiwe phantsi kwaloo nto. Umgaqo wokuHamba ulandelwe, kunye ne-FIC's Directive 9's Directive 9 iqala ukusebenza nge-30 April 2025 kwaye ifuna ukuba ulwazi lomthumeli kunye nomamkeli bahambe kunye nokudluliselwa phakathi kwababoneleli.
Ndibhale inguqulelo epheleleyo yalo mgca wexesha kwi iqhekeza lam kuthotyelo lolawulo lweBitcoin eMzantsi Afrika, kuba ulandelelwano ikuxelela ngaphezu kwayo nayiphi na imini enye. Ngalinye lala manyathelo likhona ukuhambisa umngcipheko kumxhasi kunye nomnikezeli, kwaye ngalinye livela kwirejista njengefemu eyenze umsebenzi okanye ayiwenzanga.
Yintoni ilayisenisi eneneni enyanzelisa umboneleli ukuba enze
Ilayisensi ayisositampu serabha. Ukubamba enye, umboneleli kufuneka acoce iseti yeemfuno ezibonisa ukuba imephu iphantse ngqo kwiindlela abathengi abaye baphathwa ngayo ngokwembali, kwaye kufanelekile ukuqonda nganye yazo kuba ichaza ukuba kutheni itshekhi ingelosiko.
Abantu abaqhuba ishishini kufuneka balunge kwaye bafaneleke. Abantu abaphambili kufuneka banelise ukunyaniseka kunye neemfuno zokuma okuhle phantsi kwe-FAIS efanelekileyo kunye nokuzimisela okufanelekileyo, babambe iziqinisekiso ezifanelekileyo ze-crypto kwaye babhale iimviwo zokulawula. Eso sihluzo esinye sisusa udidi lwabasebenzisi abaprinte amakhadi oshishino kwaye baqalise ukuthatha iidiphozithi. Ayisiyonto iphezulu kwifemu enzulu. Yinto engagqithekiyo kwi-chancer, eyona nto iphambili kuyo.
Ifemu kufuneka isebenze kakuhle ngokwasezimalini. Oko kunika umlawuli umbono wokuba ingaba angakwazi na ukuhlangabezana nezibophelelo zakhe kunokuba asebenze kwimali yomxhasi olandelayo ukuze ahlawule eyokugqibela. Yeyona ndlela yokusilela ethe yathatha isiqingatha samagama adumileyo kolu shishino. Umboneleli obonisa i-solvency yakhe kumphathi rhoqo ngonyaka akanakuba yi-Ponzi ngokuthula.
Emva koko kuza imfuno ethwala ubunzima obuninzi kwaye ifumana ingqalelo encinci, ngoko ke ndiza kuchitha umzuzwana kuyo. Ngaphantsi kweKhowudi Jikelele ye-FAIS, ii-asethi zabaxumi ezigcinwe ngumboneleli kufuneka zibonakale ngokukhawuleza kumboneleli ngokwakhe. I-Financial Institutions Protection of Fund Act iqhubela phambili kwaye iphatha iBitcoin egcinwe elugcinweni olukhuselekileyo njengepropathi yetrasti, leyo phantsi kwaloo Mthetho inokuthi naphantsi kwayo nayiphi na imeko ibe yinxalenye yee-asethi zeziko eliwuphetheyo. Umnikezeli onelayisensi kwakhona kufuneka angenise ingxelo yomphicothi-zincwadi rhoqo ngonyaka eqinisekisa ukuba imali yomxhasi kunye nee-asethi zabaxumi bezigcinwe ngokwahlukeneyo. Beka ngokucacileyo, iBitcoin yakho ibiyelwe ngokusemthethweni. Ukuba inkampani ingena ngaphantsi, umrhwebi wayo akakwazi ukufikelela ngaphaya kocingo ukuze ahlawule amatyala efemu ngeengqekembe zakho. Kwiqonga elingavumelekanga akukho cingo. I-Bitcoin yakho ihleli kwiphepha lomncono lenkampani, okuthetha ukuba xa inkampani isilela uyeka ukuba ngumnini kwaye ube ngumbolekisi ongakhuselekanga emgceni emva kwakhe wonke umntu ngeqhezu lento oyifakayo.
Uncama ntoni xa kungekho layisenisi
Imbali apha ayiyothiyori kwaye ayiyoyasemzini kuphela. I-Mt Gox kunye ne-FTX ngawona mangcwaba adumileyo, kodwa uMzantsi Afrika uzimbele owawo, kwaye abathengi ababefolele ngaphandle kwezo zindlu zidilikayo zalapha babeyinyani njengaye nabani na oseTokyo. Umsonto oqhelekileyo kuwo wonke umntu uswele ukongamela. Iimali zabathengi ziye zaxutywa neemali zenkampani. Amaphepha ebhalansi ayengenamali ngokuzolileyo kwakudala phambi kokuba kuvalwe iingcango. Kwaye kwezona meko zimbi kakhulu abaqhubi bashiye nje imali, ekungekho sixa sobuchwephesha obunobukrelekrele obunokulungisa emva koko.
Umboneleli ongenalayisenisi uhlala ngaphandle komjikelezo ngokupheleleyo. Akukho mphathi ujonga iincwadi zayo. Akukho mgaqo wokuziphatha unyanzeliswayo ngokuchasene nawo. Ke izinto ezikhusela abathengi ezigcina umxhasi ekhuselekile, imithetho yokwahlula kunye nomsebenzi wokwenza umdla wakho, ayisetyenziswanga kwaphela. Ukuba ii-asethi ziyanyamalala kwi-hack okanye ukuwa okanye umsunguli oyeka ukuphendula ifowuni yakhe, akukho sinyanzeliso somthetho kulo mnikezeli ukuba akwenze uphelele. Akukho nto iyinyanzelayo ukuba iphakamise umnwe. Ushiyeke uthembele kwigoodwill yayo, into ebhityileyo ukungqiyama xa imali iphelile.
Uncedo yinxalenye yabantu abayixabisayo kuphela xa becinga ngekamva.
Ngomboneleli onelayisensi unendawo oya kuyo xa kukho into ephukile. Kukho inkqubo yezikhalazo yangaphakathi onokuthi uyibambele yona inkampani, ukunyuka ukuya kwi-ombud yezemali xa oko kungaphumeleli, kwaye emva kwabo bobabini umlawuli onamazinyo okwenene. I-FSCA inokunqumamisa okanye irhoxise ilayisenisi kwaye ithintele abantu abanoxanduva kushishino ngokupheleleyo. Kwiimeko ezimandundu inokuya kwiNkundla ePhakamileyo kwaye ibe nomlondolozi onyulwe ukuba athabathe ulawulo lweshishini kwaye akhusele nayiphi na impahla eseleyo yomxhasi. Akukho namnye kwaba matshini okhoyo wefemu irejista engazange uve ngayo. Ekuphela kwesicombululo sakho ngokuchasene nefemu ekungekho mntu unikwe ilayisenisi kukumangalelana, okucothayo kwaye kudurayo ngamaxesha alungileyo kwaye kusondele ekuphelelweni lithemba xa elinye iqela lijika libe yinkampani yeqokobhe kwelinye ilizwe elinewebhusayithi kwaye akukho nto ngasemva kwayo.
Iirisithi zibalulekile nalapha. Iqinisekisiwe, ibhalwe i-Bitcoin ibhankini i-Bitcoin, kwaye irekhodi elibhaliweyo eliveliswa ngumboneleli onelayisensi ngumzila ofanayo ogcina i-SARS kunye nebhanki yakho yanelisekile kwiminyaka kamva. Ndibeke ela cala layo Isikhokelo sam sokuthotyelwa kwe-FICA kubathengi beBitcoin.
Kodwa i-app yabo ibonakala iyingcali
Omnye umxhasi waseKapa wakha wandithumelela ikhonkco kwiqonga awayeza kufaka kulo isixa esikhulu kwaye wandibuza ukuba ndicinga ntoni na. Indawo yayintle. Iitshathi ezithambileyo, ubungqina, umseki onxibe isuti elungileyo ethetha nekhamera malunga nokhuseleko. Yayijongeka iphucuke ngakumbi kuneefemu ezininzi ezinelayisensi endizaziyo.
Yayingekho kwirejista.
Hayi phantsi kwalo naliphi na igama endilifumanayo, hayi phantsi kwayo nayiphi na inombolo ye-FSP, kwaye kwakungekho nombolo inikezelweyo naphi na kwisiza ukukhangela. Uhlahlo lwabiwo-mali loyilo luye lwangena kwiindawo ezibonwa ngumtyeleli kwaye akukho nanye kulo kumacandelo ahlolwa ngumlawuli. Wayeyigcinile imali yakhe. Ababini kubahlobo bakhe, wandixelela kamva, akazange, kwaye wafunda isifundo ngendlela ebiza kakhulu.
Lo ngumgibe irejista yakhelwe ukubamba. Iwebhusayithi ixabisa impelaveki kunye netemplate. Ilayisensi ibiza uphicotho-zincwadi, umsebenzi wokuthobela kunye neshishini elinokuthi liphile xa lihlolwa. I-FSCA ilumkise ngaphezu kwesihlandlo esinye malunga namaqhophololo adibanisa ababoneleli abasemthethweni kunye nokusebenzisa iividiyo ezenziwe nge-AI zabemi baseMzantsi Afrika abaziwayo ukuthengisa amaqonga angekhoyo. Awungekhe ukwazi ukuxelela eyona nyani kububuxoki ngokujonga, kuba ukujonga kanye le nto inkohliso yenzelwe ukuba iphile. Ungabahlula ngokukhangela, leyo inkohliso ayinakuphila konke konke.
Umbuzo wotshintshiselwano oluphesheya kolwandle
Abantu abaninzi baseMzantsi Afrika babambe i-Bitcoin kutshintshiselwano olukhulu lwamazwe ngamazwe oluphendula kwi-FCA yase-UK okanye i-MAS yase-Singapore kodwa bangenayo imvume ye-FSCA. Leyo yimeko eyahlukileyo ngokunyanisekileyo ekusebenziseni ifemu ekungekho mntu ulawulayo naphi na. Utshintshiselwano olunzulu phantsi komlawuli othembekileyo wangaphandle usebenza ngaphakathi kwesakhelo sokwenyani. Ukwahlula kwayo kunye nemigangatho yayo yokusebenza inokuba mihle njengayo nantoni na oya kuyifumana apha ekhaya. Andizukwenza ngathi ngenye indlela.
Urhwebelwano lwezasekhaya. Umda we-Bitcoin ngoku iwela phantsi kolawulo lotshintshiselwano, ngoko ke imali eshiyayo kwaye ibuya yishishini lomlawuli ngendlela eyayingekho kwiminyaka embalwa edlulileyo. Iintengiselwano zakho kwindawo yangaphandle zihlala ziyimicimbi erhafiswa kummi waseMzantsi Afrika nokuba utshintshiselwano luhlala phi. Kwaye nayiphi na ingxabano kufuneka ilwe kwigunya lomboneleli kunokuba lakho, nto leyo ngumlo owahluke kakhulu xa usenzeka kwinkundla ongasoze uyibone. Kumthengi ofuna ezo ngxaki zinyamalale, umboneleli onelayisensi yasekuhlaleni yindlela nje emfutshane. Olu lukhetho olufana noluqhubeka umahluko phakathi kokuzimela kunye nokutshintshiselana ngelungelo lokugcina: lungakanani ulawulo lwakho ozimisele ukuboleka, kwaye kubani.
Ithetha ukuthini ilayisensi yam, kunye nendlela yokuyijonga
Ndizibambe kolu vavanyo ndikucelayo ukuba ndilubaleke. I-SimplB isebenza njengoMmeli wezoMthetho we-CAEP Asset Managers, ophethe inombolo ye-FSP 33933 kunye neCandelo I kunye ne-II ilayisensi yomboneleli wenkonzo ye-asethi ye-crypto egubungela i-brokerage kunye nokugcinwa kunye neengcebiso. Eso sakhiwo yinto endivumela ukuba ndithengise i-Bitcoin njengomsebenzi wemali olawulwayo kunokuxhawula isandla, kwaye ibeka amagosa okuthobela kunye nabaphicothi-zincwadi bangaphandle phakathi kwabaxhasi bam kunye nasiphi na isilingo sokusika ikona. Ndiza kujonga indlela esebenza ngayo yonke into yintoni iSimplB inikezela ngayo kukhuseleko, ukuthotyelwa kunye nokugcinwa.
Ungalithathi ilizwi lam kulo. Khangela i-33933 kwirejista ye-FSCA kwaye ufunde into ebuyayo, kanye njengoko ndikucelile ukuba wenzele nabani na. Inqaku lerejista yoluntu kukuba ukuthembana kuba yinto yokuzikhethela.
Imakethi apha iye yavuthwa ngaphaya kwesizathu sokuba imithetho ibingacacanga. Akusekho sizathu silungileyo sokuthumela imali kumboneleli ongenalayisenisi, kwaye kukho isizathu sokuba uchithe imizuzu emibini uqinisekisa ukuba awufuni. Jonga irejista kuqala. Yeyona nto iluncedo onokuyenza ngaphambi kokuba ube nesatoshi enye.
Imibuzo ebuzwa qho
Ndijonga phi ukuba umboneleli weBitcoin unelayisensi FSCA?
I-FSCA igcina irejista yoluntu kwi-fsca.co.za. Khangela i-Crypto Asset Service Provider okanye icandelo le-CASP kwaye ukhangele igama elibhalisiweyo lomnikezeli. Ukuba ziyavela, zinephepha-mvume elisemthethweni. Ukuba aziveli, azinalayisenisi, zisebenza phantsi kokukhululwa okunqabileyo, okanye zisebenza ngaphandle komthetho.
Kutheni ilayisensi ye-FSCA ikhusela i-Bitcoin yam?
Ii-CASP ezinelayisensi kufuneka zigcine iimpahla zabathengi, kuquka i-Bitcoin, zahluliwe kwi-balance sheet yomnikezeli. Ukuba umniki-nkonzo uyatshona, i-Bitcoin yakho ayiyonxalenye yelifa elifumanekayo kubabolekisi. Ukukhutshwa kweelayisenisi kukwafuna ukulunga kwezemali, ukufaneleka kunye nabantu ababalulekileyo abafanelekileyo, ukuthotyelwa kwe-FICA kunye nejelo elichaziweyo lolawulo.
Ngaba kukhuselekile ukusebenzisa utshintshiselwano lwe-offshore olungagunyaziswanga FSCA?
Utshintshiselwano olukhulu olulawulwa ngumlawuli wangaphandle othembekileyo njenge-FCA, i-MAS okanye i-VARA isebenza ngaphakathi kwesakhelo esinemigangatho yangempela. Ukurhweba kubemi boMzantsi Afrika kukuthotyelwa kolawulo lotshintshiselwano, amaxwebhu erhafu ekufuneka axhase ingxelo ye-SARS, kunye nolawulo lolawulo ngokusebenzisa ulawulo lwamazwe angaphandle. Umboneleli wasekuhlaleni onelayisenisi uyazisusa ezi ngxaki.
Ngaba i-SimplB FSCA inelayisensi?
I-SimplB isebenza njengoMmeli osemthethweni we-CAEP Asset Managers (FSP 33933), ephethe iilayisensi zeenkonzo zezimali ezifanelekileyo ezibandakanya i-Bitcoin brokerage, ukugcinwa kunye neenkonzo zengcebiso. Ungaqinisekisa oku kwirejista ye-FSCA, kwaye siyakukhuthaza ukuba wenze njalo. Bhukisha umnxeba wokuthobela ukuba indawo yakho ayiqinisekanga.
Ngaba ufuna ukuthenga i-Bitcoin kumntu onokujonga phezulu?
I-SimplB inceda abantu baseMzantsi Afrika bathenge, bakhusele kwaye bamise i-Bitcoin ngaphakathi kwesakhelo solawulo, njengoMmeli wezoBulungisa we-CAEP Asset Managers (FSP 33933).
Thetha kwingcaphephe yeBitcoin enelayisensi