ISibonelelo saseMzantsi Afrika esizizigidi ezi-R2: Sisebenza Njani kwiBitcoin

Isibonelelo sakho se-offshore siphindwe kabini kwaye phantse akukho mntu ndithetha naye uye waqaphela. Uhlahlo lwabiwo-mali luka-2026 lunyuse iSibonelelo seSibonelelo esiSinye ukusuka kwisigidi esi-R1 ukuya kwi-R2 yesigidi ngomntu omdala ngonyaka, oko kukuthi ukunyuka kokuqala ukusukela ngo-2011. Ezi zimbini zihamba emhlabeni kwidesika enye ukuba ubambe iBitcoin, kwaye azikhombe kwicala elinye. Yile nto izibonelelo ziyiyo, apho i-Bitcoin ihleli ngaphakathi kubo kunye nombuzo omnye ongekalungiswa.

Yintoni kanye kanye iR2 million yesibonelelo

Wonke umhlali werhafu waseMzantsi Afrika ongaphezu kweshumi elinesibhozo uneSibonelelo esiNye sokuLungela umntu omnye. Sisixa-mali onokuthi usithumele ngaphandle kwelizwe kunyaka wekhalenda ngayo nayiphi na injongo yomthetho kwaphela, akukho mvume ibuzwayo. Ukuhamba, isipho kumntwana ofunda eLondon, iphothifoliyo yesabelo se-offshore, idiphozithi kwiflethi ePortugal, i-Bitcoin ithenge kwi-exchange exchange. IReserve Bank ayifuni sizathu. Ibhanki yakho ibika ngokulula ukuhamba.

Ukuza kuthi ga kulo nyaka elo nani lihleli kwisigidi seerandi, likhe laqina ukusukela ngo-2011 ngelixa irandi iphulukene namandla okuthenga amaninzi xa ithelekiswa nedola. Uhlahlo-lwabiwo mali luka-2026 luyiphindaphinde yaya kutsho kwizigidi ezi-2 zeerandi, ezakhelwe elubala njengokuhla kwamandla emali kunye nokwehla kwamandla emali. Isibini esitshatileyo ke ngoko sine-R4 yezigidi zeerandi phakathi kwabo, i-R2 yezigidi umntu ngamnye, kuba isibonelelo sesomntu ngamnye kwaye asizange sibe kwikhaya ngalinye. Abantwana abadala abangabahlali berhafu baphatha nezabo izigidi zeerandi ezi-2, kulapho ucwangciso losapho luqala khona ngokuzolileyo.

Akukho SARS imvume. Leyo yinxalenye yabantu abangayixabisanga.

Awufaki sicelo, awulindi, awuvelisi isatifikethi serhafu sokusebenzisa iSDA yakho. Akukho fomu, akukho mgca, akukho kulinda ngexesha lokujika le-SARS. Imali iyahamba kwaye umthengisi wakho ogunyazisiweyo uyayibhala phantsi komda wakho wonyaka. Kubahlali abaninzi abacinga ngendawo yokuqala ekude nonxweme lo ngumdlalo wonke, kwaye i-R2 yezigidi ngentloko ngumgaqo weenqwelo-moya onentsingiselo owawungekho kwiinyanga ezilishumi elinesibhozo ezidlulileyo. Ndigubungele ishifti ebanzi ngosuku afika ngalo amanani ukuba kuthetha ukuthini intetho yeBhajethi kubanini beBitcoin.

Inqanaba le-R10 lezigidi kunye nalapho amaphepha aqala khona

Ngaphezulu kwe-SDA kuhleli i-Foreign Capital Allowance, kwaye apha ithoni iyatshintsha. Unganyuka uye kutsho kwi-R10 yezigidi ezingaphezulu kwi-offshore ngonyaka wekhalenda wotyalo-mali, nto leyo ibeka phezu kwe-R2 yezigidi zakho ukunika i-R12 lezigidi ngonyaka omnye ukuba unako ukuhamba. Ukubamba kukucocwa. I-FCA iqhuba ngeNkqubo yoVumekelo loTshintsho lwaMazwe ngaMazwe kwaye awukwazi ukuyibamba ngaphandle kwe-PIN yeSimo sokuThobela iRhafu esebenzayo evela ku-SARS, isiqinisekiso sombane sokuba imicimbi yakho yerhafu imi ngokunyanisekileyo. I-SARS ikhupha i-PIN, umthengisi wakho ogunyazisiweyo uyayiqinisekisa phambi kokuba isenti iwele umda kwaye i-PIN ephelelwe lixesha inqanda ugqithiso olubandayo.

I-R10 lezigidi ezidlulileyo kwicala lenkunzi urhulumente uyaqina kwakhona. Udluliselo olungentla olubangela uphononongo olungqongqo lwe-SARS oluvavanya umthombo wemali yakho kwaye luqhube iitshekhi zokulwa nokuthutyeleziswa kwemali phantsi kwe-Financial Intelligence Centre (FIC) Act, elandelwa yimvume evela kwiSebe le-Reserve Bank's Financial Surveillance Department malunga neenyani zetyala lakho. Ayilodonga. I-FinSurv isebenzisa ingqiqo yokwenyani kweli nqanaba kwaye ayizaleli izicelo njengesiqhelo, kodwa yinkqubo nomntu kwelinye icala efunda imicimbi yakho ngokusondeleyo, kwaye ngamava ahlukileyo ukusuka kwintshukumo ezolileyo ezenzekelayo yeSDA yakho.

Ngoko imilo ilula ngokwaneleyo ukuba ibambe entloko yakho. Izigidi ezi-R2 ngaphandle kwemibuzo ebuzwayo, i-R10 yezigidi ngaphezulu enerekhodi yerhafu ecocekileyo kunye ne-PIN, nantoni na engaphaya koko ngesicelo. I-friction iphakama kunye nenani, eyona ngqiqo yonke yolawulo lotshintshiselwano kwaye ihlala ikhona.

Umxhasi waseGeorge undibuze oku kutsha nje kwaye iyenza imigangatho yekhonkrithi. Wayefuna i-R6 yezigidi zeerandi kwi-offshore ngonyaka, ibe yingxubevange yezabelo zangaphandle kunye ne-Bitcoin kutshintshiselwano lwaphesheya kolwandle. Impendulo yeyokuba i-R2 yezigidi zeerandi ikhwela kwiSDA yakhe kungekho nto ifakiweyo, kwaye i-R4 yezigidi eziseleyo isebenzisa inxalenye yeFCA yakhe, nto leyo ethetha ukuba i-PIN yeSimo sokuThotyelwa kweRhafu ihlelwe nge-SARS kuqala. Umfazi wakhe une-SDA yakhe yezigidi ezi-R2 ehleli engasetyenziswanga, ngoko ke phakathi kwabo bobabini isiqwenga saloo R6 yezigidi singahamba singaze sifike kwiFCA kwaphela. Isibonelelo sisibonelelo sekhaya nangona sinikwa umntu ngamnye, kwaye izibini eziceba kunye zifumana ngaphezulu kunezibini ezisebenza zodwa.

Apho i-Bitcoin ihleli khona kuyo yonke le nto

Nantsi inqaku malunga nenqaku elimalunga nalo mbandela liphosakele, kwaye kufanelekile ukuba ungagwegwesi ngalo.

Ukuba uthenga i-Bitcoin ngerandi kwiqonga laseMzantsi Afrika elinelayisensi kwaye ulishiye apho, awusebenzisanga nerandi yesibonelelo sakho se-offshore, kuba akukho nto ihambileyo elunxwemeni. Intengiselwano yeyasekhaya ukusuka ekuqaleni ukuya ekugqibeleni. Irandi yakho iye kumnikezeli waseMzantsi Afrika, iBitcoin ihleli eluvalelweni ngaphakathi kweRiphabhliki kwaye akukho mali igqithe nawuphi na umda. Iqela eliSebenzayo le-Intergovernmental Fintech lithetha kakhulu kwiingcebiso zalo, likhuthaza ukuba abahlali bavunyelwe ngokuthe ngqo ukuthenga i-crypto ngaphakathi kwe-SDA yabo kunye ne-FCA ngokuchanekileyo kwimeko apho bayithumela khona. I-Bitcoin egcinwe ekuhlaleni kumnikezeli olawulwayo ayibalwa kwimida yakho yotyalo-mali lwangaphandle. I-Bitcoin ithunyelwe kude nonxweme ngaphandle kwemvume inokuphathwa njengokungagunyaziswanga kwangaphandle kwe-capital, nalapho eyona njongo yakho ibikukuzigcina. Lo mgca phakathi kwezi zibini ngumxholo wonke.

Hambisa iingqekembe kude nonxweme kwaye isibonelelo sivuka. Thumela i-R2 yezigidi kutshintshiselwano lwangaphandle kwaye uthenge i-Bitcoin apho, kwaye uchithe i-R2 yezigidi zee-SDA ngendlela efanayo obuya kuthenga ngayo izabelo zangaphandle. Thatha i-Bitcoin osele ungowakho kwiqonga lendawo kwaye utyhale izitshixo kwi-wallet ye-offshore, kwaye uthengise i-capital, esebenzisa isibonelelo sakho kwaye, ngaphezu kwemingcele, idinga i-PIN okanye i-Reserve Bank yaseMzantsi Afrika (SARB) nod.

Umlinganiselo lixabiso lerandi ngeli xesha lihambayo. Ukuba loo R2 yezigidi zeerandi kamva ikhula ukuya kutsho kwizigidi ezi-3 zeerandi kude nonxweme awukawugqibi umda wakho. Okushiyekileyo yiR2 million. Inzuzo yenzeke kwelinye icala lomda, kwaye isibonelelo sibalwa kuphela ukuwela.

Kungenxa yoko le nto ubume beBitcoin busenza amagosa abe novalo, uxinzelelo endilukhuphela kulo I-Bitcoin njenge-asethi yomthwali eMzantsi Afrika. Isabelo sikwi-Strate ngokuchasene negama lakho kunye neendlela zokudluliselwa kwebhanki ngomthengisi ogunyazisiweyo onokuyalelwa. Iqhosha labucala alinakwenza nto. Akukho rejista yokukhangela, akukho mthengisi oya kufundisa kwaye akukho ngeniso yeleja naphi na enegama lakho kuyo. Ungathwala ixabiso lelizwe ukuwela umda ngamagama acengiweyo alishumi elinambini, kwaye incwadi yomthetho ka-1961 ayizange imcinge loo mntu.

Idrafti ye-2026 enokuthi iphinde ibhale umgaqo wendawo

Yonke into engasentla ichaza ihlabathi njengoko lisebenzile. Idrafti yeMimiselo yoLawulo lweNkunzi, epapashwe ngo-Ephreli 2026 ukuze ithathe indawo ye-1961 Exchange Control Regulations ngokuthe ngqo, iphakamisa ukutshintsha umhlaba phantsi kwayo. Umfanekiso opheleleyo ungaphakathi indlela iBhajethi ye-2026 izisa ngayo i-Bitcoin kulawulo lotshintshiselwano, kodwa inxalenye echukumisa isibonelelo yile.

Idrafti iphinda ichaze i-capital ukubandakanya i-crypto assets ngokucacileyo, iphelisa ingxabano malunga nokuba i-Bitcoin yimali okanye inkunzi ngokuyichaza ngokulula. Emva koko ibeka imithetho ye-crypto ngokuchasene nomqobo omiselweyo ukuba uMphathiswa wezeMali uya kuwubeka kamva ngesaziso kwiGazethi kunokuba ngokuchasene nezigidi ezi-R2 kunye nezigidi ezili-R10. Ngaphezulu kwalo mda, ukuthengiselana nge-crypto kuya kufuneka kudlule kumnikezeli wenkonzo ye-asethi ye-crypto ogunyazisiweyo, ukubamba kuya kufuneka kubhengezwe kuNondyebo ngeentsuku ezingamashumi amathathu, kwaye ukukhupha i-crypto ngaphandle kwelizwe ngaphandle kwemvume kuya kuthintelwa ngokuthe ngqo. Funda ngokwezwi nezwi, eminye yale misebenzi iya kuluma kwiitransekshini ezingazange zimke kwaphela eMzantsi Afrika.

Oko kufunda kokugqibela kulwa neshishini lasekhaya. Amaqonga amakhulu acele ngokusemthethweni uNondyebo ukuba ahlele i-crypto egcinwe kumboneleli wasekhaya onelayisensi njenge-asethi elunxwemeni, ukuze ukuthenga kunye nokukhulisa indawo yeBitcoin ekhaya kungatyi ngokuzolileyo kwisibonelelo esilungiselelwe inkunzi okunene iya phesheya. Yeyona ndawo ichanekileyo kwaye ihambelana nendlela zonke ezinye ii-asethi ezigcinwe ekuhlaleni esele zisebenza ngayo. Ingaba uNondyebo uyayamkela ngumbuzo ovulekileyo we-2026, kwaye de imimiselo yokugqibela ifike impendulo enyanisekileyo yokuba i-Bitcoin yasekhaya ichukumisa isibonelelo sakho kukuba: namhlanje hayi, ngomso jonga le ndawo.

Kukho umgca wesibini kwidrafti efanelwe ukubonakaliswa, kuba iguqula umlingiswa wolawulo lonke kunokuba amanani nje. Apho i-crypto assets ichithwa kurhulumente, idrafti iya kunyanzela umnini ukuba anike iiphasiwedi kunye neekhowudi ezifunekayo ukuze zilawule, kwaye abahambi banokucelwa emngceleni ukuba bavakalise ukubamba kunye nokuvelisa izixhobo ezithwalayo. Kwi-asethi eqhelekileyo ebhalisiweyo linyathelo lolawulo. Kumntu ophethe i-asethi kukuhlutha ngokwayo, kwaye sisikhumbuzo sokuba into efanayo eyenza ukuba i-Bitcoin ihambe lula yinkalo urhulumente azama ngayo kunzima ukufumana iingalo zakhe. Izohlwayo ezicetywayo zithwala isohlwayo esifikelela kwisigidi esi-R1 okanye ixabiso le-crypto ebandakanyekayo, nokuba yeyiphi enkulu, kunye nokuya kutsho kwiminyaka emihlanu entolongweni. Olu luyilo kwaye i-industry pushback ibe phezulu, ngoko ke inguqulelo yokugqibela inokuthamba, kodwa umkhombandlela wokuhamba awuthandabuzi.

Ifestile yokuphawula ivaliwe phakathi kuka-2026 kwaye imimiselo yokugqibela ayizange ifakwe kwigazethi ngexesha lokubhalwa. Ke sikumsantsa ongathandekiyo phakathi kwenjongo ebhengeziweyo kunye nomthetho ozinzisiweyo, olilo kanye umzuzu wokuba silondoloze kunokuba sibe krelekrele.

Bendizoyisebenzisa njani i allowance ngoku

Owam umbono, emva kokwenza oku ukusukela ngo-2016, kukuba i-SDA ephindwe kabini sisipho sokwenyani kwaye intshukumo ekrelekrele kubantu abaninzi kukushiya umda ngaphandle kwayo ngokupheleleyo. Ukuba une-R20 yezigidi zeerandi onokuyifaka kwi-Bitcoin, eyona ndlela icocekileyo kukuyibamba kwiqonga loMzantsi Afrika elinelayisensi apho ihlala njenge-asethi yasekhaya, ihlale ngaphandle kwayo yonke intlawulo yemali yokubala kwaye ikushiye ungenanto onokuyibhengeza kwaFinSurv. Izibonelelo ze-offshore zikhona ngosuku onesizathu sokwenene sokuthumela ixabiso, umgcini welizwe langaphandle ofuna ngokukodwa okanye umfuduko ocebayo, kwaye ngaloo mini i-R2 yezigidi kunye ne-R10 yezigidi zilindile.

Impazamo endiyibonayo ngabantu abaleqa iingqekembe ngaphandle konxweme ukuze babe nenkululeko kunye nokudala ingxaki yolawulo lotshintshiselwano apho kungekho nanye. Ukuzigcina ekhaya kusemthethweni kwaye kuqhelekile. Ukukhuphela ngaphandle ngaphandle kwemvume sisilwanyana esahlukileyo, kwaye ndibeke imiphetho yokuthobela kuyo isikhokelo sokuthotyelwa kwabanini beBitcoin baseMzantsi Afrika.

Akukho nanye kwezi iingcebiso. Imimiselo isekuyilo, iinkundla zinike iimpendulo eziphikisanayo kumbuzo kanye wokuba yintoni i-Bitcoin ephantsi kolawulo lotshintshiselwano, kwaye iinyani zakho ziya kugoba impendulo ngeendlela inqaku elingenako. Endinokuthi ngokucace gca kukuba umgaqo-nkqubo wesibonelelo uvuza uqeqesho olufanayo kuyo yonke enye into ekwesi sithuba: thenga ngejelo elinelayisenisi ukuze irekhodi yokufunyanwa licoceke, gcina amaxabiso erandi kwifayile kwaye wenze isigqibo sokuba ngaba ufuna ngokwenene na iinkozo zemali kumazwe angaphandle phambi kokuba ufudukele kwelinye lahlala ngaphaya komda. Ukuba ulinganisa indawo yeBitcoin engaselunxwemeni yayo nayiphi na isayizi yokwenyani, bhukisha ifowuni yesakhiwo kwaye siya kubeka imephu ngokuchasene nezibonelelo zakho ngaphambi kokuba nantoni na ihambe.