I-Bitcoin yeZizukulwane ezininzi: INkqubo-sikhokelo yeeNtsapho zaseMzantsi Afrika eziCingayo kumashumi eminyaka

Uninzi lweengcebiso zeBitcoin zibhalelwe umntu oneminyaka emithathu ukuya kwemihlanu. Intsapho enenjongo yokubamba izizukulwana idlala umdlalo owahlukileyo ngokupheleleyo, kwaye iphakamisa imibuzo umthengi wexesha elifutshane angaze adibane nayo: ngubani olawula iingqekembe xa umntu obeke yonke into engekho, indlela isizukulwana esilandelayo sifikelela ngayo kubo, kwaye kwenzekani ngosuku olulahlekileyo isitshixo. Yenza ulwakhiwo lube gwenxa kwaye i-asethi idlula isicwangciso. Yilungise kwaye inokuthwala ixabiso abazukulwana bakho abaza kuchitha phantsi kwemithetho ekungekho mntu uyibhalileyo okwangoku.

Ezi ayizizo iinkxalabo zomthengi omnye onombono weminyaka emihlanu. Ziyinkxalabo yosapho, kwaye zifuna uhlobo lolawulo lwentsapho.

I-Ukuguquguquka kwexabiso yinto encinci ye-asethi, kungekhona isigwebo sayo

Eyona inkcaso ixhaphakileyo endiyivayo kwiintsapho lixabiso eliguqukayo. Lixhala elilungileyo phezu kwefestile emfutshane kwaye iphantse ingabinamsebenzi kwixesha elide. Ukuguquguquka kweBitcoin kuphezulu kwiminyaka emithathu ukuya kwemihlanu kwaye iyancipha njengoko ifestile isanda, ngenxa yokuba ingxolo yexesha elifutshane yinto yendalo ye-asethi entsha esathengiswa ngexabiso lihlabathi. Ukungaguquguquki okulandelayo buye kuhla njengoko isiseko somthengi sisanda, nto leyo eyamkelekileyo ukucinga ngemali enokuthi iqikelele xa i-asethi iyeka ukuba ngumphetho. Umntu othenge kwi-peak ye-2017 wahlala phantsi kwe-drawdown engaphezulu kwesiqingatha kwaye wayesengaphambili kwiminyaka embalwa kamva. Ukubanjelwe ixesha elide ngokwaneleyo, akukho mntu usele egqibile ngasemva: ngokwembali nabani na obebambe iminyaka emine okanye ngaphezulu uye wabona imbuyekezo eqinisekileyo, nokuthenga phezulu. Yolule loo nto ukuya kumashumi amabini okanye amashumi amathathu eminyaka kwaye ukuphazamiseka kwexeshana kufundeka njengokuthungwa kumgca omde.

Usapho lucinga kumashumi eminyaka, iijingi ziba yimozulu kunokuba ibe yimozulu. Owona mbuzo awungowokuba i-Bitcoin idiphu ngo-2031. Kukuba ingaba i-asethi isekhona na kwaye isabambe ixabiso xa ithelekiswa nerandi ngo-2056, kwaye lowo ngumbuzo akukho mntu unyanisekileyo awuphendulayo ngokuqinisekileyo. Isenokuba nexabiso elithe chatha. Isenokuba nexabiso eliphantsi kakhulu. Intsapho kufuneka ibheje ngabom kwaye ibhale phantsi, ingakhukuliseka kuyo kwaye inethemba. Ixesha eliphantsi elikhethwayo kukuma okupheleleyo apha: ukhetha ukugcina kwaye ulinde, kwi-asethi eyakhelwe ukulinda.

Ndithetha oku kwiintsapho zaseGeorge naseRhawutini ngokufanayo, kwaye abona babamba ixesha elide ngabo babeqonda ukubheja ngaphambi kokuba bakwenze, kungekhona abo babukela itshati ngeveki.

Kutheni i-trust, kwaye kutheni kufuneka ithi i-Bitcoin

I-Bitcoin ehleli egameni lomntu inomsebenzi onzima ekufeni. Iingqekembe ziwela kwixabiso elifanele ukuhlawulwa, zilinda kude kuphele ulibaziseko lokuluvala, uxanduva lwezindlu lubaleka kuma-20% kwi-R30 yezigidi zokuqala ngaphezu kokuthotywa kunye nama-25% ngaphaya koko, yaye akukho nanye yaloo nto ithetha nantoni na ukuba umabi welifa akakwazi ukufikelela isitshixo sabucala kwasekuqaleni. Loo ngxaki yokugqibela yeyona ixhaphakileyo. Iingqekembe zirhafiswa njenge-asethi ngelixa uhleli emva kodonga akukho mntu unokunyuka kwintsapho.

I-trust iphendula ezininzi kwezi ngaxeshanye. Liqumrhu elisemthethweni elahlukileyo kwaye alifi xa umseki esenza, ngoko ke umntu oza kungena ezihlangwini zakhe uqhuba nje kwaye iingqekembe zemali azize zingene kwilifa ukuze zivalwe. Ukuqhubekeka yimeko yonke yesakhiwo, kwaye kusapho olubambe izizukulwana ngezizukulwana yinto yokwenyani.

Kodwa umsebenzi kufuneka uzuze.

Isiqinisekiso setrasti saseMzantsi Afrika yinkcazo yomsebenzi wetrasti, kwaye umphathiswa othenga i-asethi engakhange agunyaziswe angaphendula ngayo nayiphi na ilahleko buqu, nokuba zenziwa ntoni na iinkozo emva koko. Uninzi lweencwadi ezisasazwayo zabhalwa ngamagqwetha awayengazange alive igama elithi satoshi. Oko akukokugxeka kwamagqwetha. Sisizathu sokufunda isenzo ngaphambi kokufunda elinye igama malunga nexabiso. Isivumelwano sidinga amandla okuvakalisa ngaphezulu kwee-asethi zedijithali, abalandela amagama abo, kunye nolawulo olujikeleze izitshixo, eligama ndihamba ngalo ukuba kufuneka sithini isenzo sokuthembela malunga neBitcoin. Inye into ayikhe ibekho kuyo: izitshixo ngokwazo. I-deed ifakwe kwi-Master, ikopishwe kubanini-bhanki kwaye ifundwe ngabaphicothi-zincwadi ubomi betrasti, ngoko ke ibinzana lembewu elibhaliweyo kuyo ligama lembewu elipapashwa kuye wonke umntu owakhe waphatha uxwebhu.

Kufuneka ndicace ngecala lam letafile. Andililo igqwetha elithembakeleyo kwaye akukho nto apha ingcebiso yezomthetho. Ndicebisa ngeBitcoin phantsi kwe-CAEP Asset Managers (FSP 33933), kwaye umsebenzi wam kuyilo lokugcinwa kunye neereyili ezinelayisenisi ezenza ukuba amagatya ommeli asebenze ngokwenene xa isitshixo sifuna ukuhamba.

Ukunikezelwa kogcino kulapho iintsapho zifika zingabambekanga

Le yinxalenye endigcinayo. Ukuba iingqekembe zihleli elugcinweni kwaye mnye kuphela umntu owakhe walazi ibinzana lokubuyisela, mhla umntu ofa ngalo usapho luzuza ilifa lebhokisi etshixiweyo kunye nentlawulo yerhafu kwiziqulatho zayo ezicingelwayo. Basenokuba banetyala lomrhumo wezindlu ngexabiso abangenakho ukuliphatha. I-asethi ehlawuliswa irhafu ekungekho mntu uphilayo unokuhamba isondele kwisiphumo esibi kakhulu kulo mmandla wonke, kwaye inokuthintelwa ngokupheleleyo.

I-Multsig iyilungisa kwinqanaba leprotocol.

Kuseto lwe-2-of-3 kukho izitshixo ezintathu kwaye nawaphi na amabini kufuneka asayine phambi kokuba ingqekembe ihambe. Umseki ubambe enye, umlandeli ubambe okwesibini, kwaye umboneleli olawulwayo ubambe isithathu njengesitshixo sokubuyisela, ngoko akukho kufa okunye okanye isixhobo esilahlekileyo sinokubopha nantoni na. Ababini abasindileyo bayasayina kwaye iingqekembe ziyahamba.

Le yindlela endiyakha ngayo iVault yabathengi bosapho. Abaphathiswa babambe izitshixo ze-hardware ezimbini, i-Trezor kunye ne-Ileja egcinwe yodwa, kwaye ndibambe eyesithathu, iqhosha lokubuyisela le-Coldcard, njengoMmeli we-Juristic we-CAEP Asset Managers (FSP 33933). Usapho lunxibelelana kunye nezitshixo zalo ezimbini kubomi obuqhelekileyo kwaye isitshixo sam sidlala kuphela ekubuyiseni, xa isixhobo sisilela okanye umgcini-zitshixo ehambile. Kukho isizathu esisemthethweni sokuba oku kubethe ukushiya iingqekembe kwi-offshore exchange phantsi kwelungiselelo lomtyunjwa: i-Financial Sector Conduct Authority (FSCA) iphatha i-crypto egcinwe elugcinweni olukhuselekileyo lomxhasi njengepropathi yokuthembela, eyahlukileyo kwilifa lomboneleli ngokwakhe nakwi-insolvency. Ndithatha ezintlanu kwezi setups ngenyanga, leyo zininzi kangangoko ndinokwenza ngokufanelekileyo.

Ukuxabisa iingqekembe ngemini yokufa komntu

Xa umnini-akhawunti esweleka iinkozo zemali kufuneka zixatyiswe ngokwexabiso elifanelekileyo lemarike ngomhla wokufa kwakhe, zitshintshelwe kwirandi. Ibanjwe kunye nomgcini welayisenisi, oko kukukhangela okucocekileyo: ixabiso ngosuku olusetyenzisiweyo kwisixa esisele siqinisekisiwe. Ibanjelwe kwisipaji esithile sokuzimela ngaphandle kweengxelo, umabi welifa ushiywe ukuba ayilinganisele, kwaye uvavanyo luzala iingxabano, ukulibaziseka kunye neendleko.

Unyango luyadika kwaye luyasebenza. Uphononongo lonyaka lwetrust lurekhoda umyinge obanjwe, apho igcinwe khona, ixabiso ngomhla wophononongo kunye nexabiso lerandi, elisayinwe ngokubhaliweyo nyaka ngamnye. Xa inani lomhla wokufa lifuneka, impendulo sele ibhaliwe. Akukho ngxabano malunga nokuba yintoni na intsapho, kuba yaqinisekiswa ngelixa wonke umntu esaphila.

Isiqingatha seyure kanye ngonyaka. Yiyo yonke ke le nto, kwaye ngumahluko phakathi konikezelo olucocekileyo kunye nosapho olusilwa neNkonzo yeRhafu yoMzantsi Afrika (SARS) ngenani ekungekho mntu unokulicinezela.

Iirekhodi ezimi phakathi kosapho lwakho kunye nelahleko esisigxina

Ukubamba okwenzelwa ukuba kudlule umseki walo kufuna amaphepha anzima njengoko nabani na egcina impahla okanye ishishini, agcinwa ngabom minyaka le kunokuba adityaniswe ngokuphakuzela emva komngcwabo. Ngokwenza oko luhlu oluncinci lokuma. Isenzo esigunyazisa i-Bitcoin kwaye sibeka ngokulandelelana kunye neemeko zokuthengisa. Ishedyuli yangoku yazo zonke izipaji, umgcini kunye nequmrhu. Iiprothokholi zokufikelela nganye nganye, zigcinwe ngokukhuselekileyo kwaye zifikeleleka ngabantu ababizwe ukuba bazizuze njengelifa. Irekhodi eqhubekayo yento ethengiweyo kwaye nini, ngeliphi ixabiso lerandi, ngoko i-SARS ayizange ibe yinto ephithizelayo. Ingxelo yonyaka evela kumlondolozi ngamnye. Ileta ecacileyo evela kumphathiswa eya kwindlalifa echaza into ekhoyo kunye nendlela yokuya kuyo. Kunye neenkcukacha zoqhagamshelwano zegqwetha, i-accountant kunye nabani na oqhuba ugcino. Akukho nanye kuyo inzima ngokobuchwephesha. Yonke idinga umntu oza kuyenza, kanye ngonyaka, ngaphandle kokukhunjuzwa.

Eyona nto ithengwa yintsapho

Ityala lokubamba i-Bitcoin kwizizukulwana zonke likhusela ngaphambi kokuba kube yinto enye. I-asethi egciniweyo ayikho ukudubula izibane. Ikhona ukubamba umhlaba wayo ngelixa yonke into eyingqongileyo iphulukana nayo.

Irandi inomkhwa omde wokuphulukana nexabiso, kwaye ugcino lwerandi lwexabiso lerandi lopha ngokuzolileyo amandla okuthenga kwisizukulwana ngasinye esiyibambileyo. I-Bitcoin ayinamkhuphi, akukho komiti inokuprinta ngaphezulu kwayo kwaye akukho mgaqo-mali wemali ukukuvezela kuyo, kunye nokunikezelwa okufakwe kwi-21 yezigidi zemali ukuba akukho voti inokutshintsha. Leyo yingxoxo, kwaye ithozamile echazwe ngokunyanisekileyo. Akunjalo ukuba i-Bitcoin yenza isizukulwana ngasinye sisityebi. Ukuze igcine ubutyebi bezinye izinto konakala, ngoko umvuzo womchweli uqhubeka uthenga oko kufuneka umvuzo womchweli. Iintsapho sele ziqhuba le ngqiqo ngeendlela ezincinci xa zifundisa abantwana ukonga, kwaye abanye bayenza ngokusesikweni kwangethuba ngomyalelo omileyo, endiwugubungelayo. Bitcoin DCA kubantwana bakho.

I-asymmetry enye kufuneka uhlale nayo

Nantsi into endinokuyishiya nayo intsapho. I-Bitcoin elahlekileyo ilahlekile. Akukho nkqubo yasemthethweni eyibuyiselayo, akukho nkampani ye-inshurensi eyibuyiselayo, akukho myalelo wenkundla uvula isipaji esigama laso latshatyalaliswayo okanye lalityalwa. Ipropathi kunye nezabelo zinokusinda ekusileleni kulawulo kuba umthetho unokwakha ngokutsha ubunini. Iqhosha labucala alinakubizwa. I-upside kwi-Bitcoin ingaba nkulu kwaye i-downside yesitshixo esilahlekileyo iyonke, kwaye ezo zibakala zimbini azilingani. Yiyo loo nto kanye amaxwebhu kunye nokulandelelana ingezizo ezongezelelweyo ozikhethelayo itemplate ibaphatha njenge. Ziludonga oluthwala imithwalo.

Uguqulelo lobuqu lolu kusilela, apho umenzi welifa adibana newalethi yehardware akukho mntu unokuvula, ndimise ngaphakathi. kwenzeka ntoni kwiBitcoin yakho xa usifa, kunye nendlela i-inshorensi yobomi enokuthi ibambe umhlaba kunye ngelixa iingqekembe zemali zifikelelwa I-Bitcoin, i-inshurensi yobomi kunye nelifa lakho. I-trust efumana isenzo, izitshixo kunye neerekhodi ekunene inokubamba le asethi kwizizukulwana zonke ngaphandle kwedrama. Leyo yingongoma yonke yesakhiwo, kwaye iyafezekiswa. Ayizukwenzeka nje ngengozi.