Ukhuseleko, ukuThotyelwa kunye noGcino: Yintoni enikezelwa yiSimplB

Ubunini beBitcoin buhla kwimibuzo emithathu: indlela yokuthenga ngayo ngaphandle kokuphula nayiphi na imithetho, indlela yokubamba ngayo ukuze ingabi nakubiwa kunye nendlela yokubonisa ukuba yeyakho xa ibhanki, umphicothi-zincwadi okanye u-executor ebuza. Uninzi lwababoneleli baphendula enye yezintathu kwaye bakushiye ukuba usebenze ngokuseleyo. Ndakhe i-SimplB ukuphendula zontathu ezingaphakathi kwesakhelo solawulo soMzantsi Afrika, njengoMmeli woBulungisa we-CAEP Asset Managers (FSP 33933).

Ngaba i-Bitcoin ilawulwa eMzantsi Afrika?

Ngo-Oktobha i-2022 iGunya lokuPhatha kweCandelo lezeMali libhengeze i-crypto assets njengemveliso yemali phantsi koMthetho we-Financial Advisory and Intermediary Services Act (FAIS). Eso saziso saphela ishumi lengxabano malunga nokuba iBitcoin ihleli ngaphakathi okanye ngaphandle komthetho. Ukusukela ngoko nabani na ocebisa abemi boMzantsi Afrika ngeBitcoin okanye ukuyithengisa ufuna ilayisenisi okanye iwonga lokumela eligunyazisiweyo phantsi kwefemu ephetheyo.

Amakhwenkwe awazange atshabalale ngobusuku nje obunye. Bavele baphulukana nesizathu sokuba imithetho ayicacanga.

I-SimplB ihlala ngaphakathi kweso sikhokelo kunokuba ecaleni kwayo. Ishishini ngummeli osemthethweni we-CAEP Asset Managers (FSP 33933) kwaye usebenza phantsi kwe-CAEP yeCandelo I kunye ne-II ilayisensi yomboneleli wenkonzo ye-asethi ye-crypto. Enyanisweni oku kuthetha ukuba i-FSP enelayisensi ithwala uxanduva olusemthethweni lwendlela endiziphatha ngayo, indlela endizigcina ngayo iirekhodi kunye nendlela iinkqubo zabaxumi eziqhutywa ngayo. Kukho amagosa athobelayo ajonga umsebenzi wam kunye namehlo angaphandle kuyo yonke indawo yokusebenza. Ndifumanisa oko kuyathuthuzela kunokuba kube ngumqobo, nto leyo ekuxelela ukuba ndiluhlobo luni lomsebenzi.

Amacandelo amabini eelayisenisi enza imisebenzi eyahlukeneyo. Udidi I lubandakanya iingcebiso kunye neenkonzo zomlamli, ilayisensi elawula ukukunceda wenze izinto. Udidi II lubandakanya ulawulo olunokuvela. Umsebenzi wam wokucebisa wenziwa phantsi kweliso kwaye uhlala ungomnye komnye, emva kokukhwela, kunye neemeko zakho ezikhoyo. Akukho nto kule ndawo ingcebiso kwaye ndilumkile ngalo mahluko, kuba uninzi lwababoneleli abakho.

Ungalithathi ilizwi lam kuyo nayiphi na kuyo. Irejista ye-FSCA isesidlangalaleni kwaye ukukhangela kuthatha malunga nemizuzu emibini. Ndabhala isiqwenga esahlukileyo indlela yokujonga ukuba ngaba umboneleli weBitcoin unelayisensi ngokwenene, ngenxa yokuba iqhinga elidala kakhulu kule shishini yiwebhusayithi ethembekileyo emi phambi kwesakhiwo esingenanto.

Ijongeka njani ukuthotyelwa kwe-FICA ngaphambi kokuba uthenge

Wonke umxhasi uhamba nge-FICA epheleleyo yokukhwela ngaphambi kokuba nayiphi na i-Bitcoin itshintshe izandla. Oko kuthetha ukuqinisekiswa kwesazisi, ubungqina bedilesi kunye nophononongo lokuba ivela phi imali. Kuba itrasti inetha ibanzi kunokuba abantu abaninzi belindele: umthetho ufuna ukuba wonke umntu othenjwayo kunye nabo bonke abaxhamli begama baqinisekiswe phambi kokuba kusekwe iakhawunti okanye iVault. Ndiyibukele loo mfuneko imangalisa ngaphezu komseki omnye wosapho oluthembakeleyo.

Umthombo wemali yinxalenye eyenza eyona imeyile ininzi. Ngokwenza oko kuthetha ukubonisa apho ivela khona imali: imbali yomvuzo, isivumelwano sokuthengiswa kwepropati, ulwabiwo lweshishini okanye ileta yelifa. Imali enyanisekileyo ihlala inerekhodi ebhaliweyo kwindawo ethile kwikhabhinethi yokufakela okanye i-inbox. Uphononongo luziva luphazamisana kude kube yimini oyifunayo loo ndlela yokukhusela ubunini bakho.

Ingqiqo efanayo ngoku ilandela iingqekembe ngokwazo. UMzantsi Afrika uye wamkela uMthetho wokuHamba we-FATF, ofuna ukuchonga ulwazi malunga nomthumeli kunye nomamkeli ukuhamba nokudluliselwa phakathi kwabanikezeli benkonzo. Ileja yeBitcoin yayisoloko inokulandeleka. Umaleko wokuthotyelwa okujikelezayo uyabamba.

Into ekuthengelwa yona ngamaphepha bubunini obubonakalayo. Ukuthenga kwenzeka kwiakhawunti enegama lakho. Akukho sipaji sidityanisiweyo, akukho sakhiwo somtyunjwa kwaye akukho IOU kwiphepha lomncono lomntu. Xa iNkonzo yeRhafu yaseMzantsi Afrika (SARS) ibuza malunga nokuxela kwakho, irekhodi elibhaliweyo licocekile. Xa ibhanki ibuza idipozithi enkulu emva kokuba uthengise, iprovenance i printout kude. Xa umabi-lifa ephelisa umhlaba, ubunini buyinto yokwenene kungekhona ingxabano. Ndibeke uluhlu olupheleleyo lwamaxwebhu ngaphakathi Isikhokelo sam sokuthotyelwa kwe-FICA kubathengi beBitcoin.

Ukuthobela ayiloxabiso lokumkelwa. Yirisithi.

Ndiyithenga njani iBitcoin kubathengi

Inkqubo iqala ngencoko, hayi ifomu. Umnxeba wokufunyanwa useka ukuba yeyantoni na imali, ukuba ixesha lijongeka njani kwaye nokuba iBitcoin iyayifanela na imeko. NdinguBitcoin kuphela kwaye ndiyawujika umsebenzi obandakanya iialtcoins, izikimu zesivuno okanye iimpawu zokurhweba. Nje ukuba ukukhwela kuphele, imali ihamba ngokugqithiselwa kwemali nge-elektroniki (EFT) isuka kwiakhawunti yakho yebhanki ebizwa ngegama kwaye iBitcoin ithengwa emarikeni ngamahlakani am.

Iiakhawunti ezibiziweyo ziinkcukacha endingafuniyo ukuyekelela kuzo. IBitcoin yeyakho ukusukela oko ithengwe, ibanjwe ngokuchasene negama lakho kunelam. Ukuba ndiwela phantsi kwebhasi ngomso i-asethi ayingeni kwilifa lam. Olo khetho lulodwa loyilo lususa umngcipheko weqela eliye latshabalalisa ubutyebi be-crypto ngaphezu kwayo yonke i-hacker edibeneyo.

Ukusuka apho imilo ixhomekeke kumxhasi. Abagcini bomsebenzi bazakhela izikhundla ngokuthenga nyanga zonke ukusuka kwi-R1,000 ngenyanga, nto leyo egudisa amaxabiso okungena kuwo wonke umjikelo endaweni yokubheja ngoLwesibini omnye. Abathengi abakhulu basebenzisa idesika ye-OTC, bahlala nakweyiphi na isayizi, apho ixabiso elinye lokuhlalisa lithatha indawo ye-slippage yokutyhala iodolo enkulu ngencwadi yee-odolo zokuthengisa. Abathengi abafuna offshore Bitcoin exposure in US dollars can register an expression of interest and ndiyakha loo ncoko ngokwahlukeneyo.

Ukuthengisa kuhamba ngeereyili ezifanayo ngasemva. Ukuthobela okwenzileyo kwindlela yokungena kwenza indlela yokuphuma ingabi nantlungu.

Isifundo esele usihlawulelwe nguMzantsi Afrika

Iprotocol yeBitcoin ayizange igqekezwe. Yonke ilahleko yesihloko onokuthi uyibize yenzeka kwiindawo abantu abashiye iingqekembe zabo. I-Mt Gox yayiphethe malunga nesixhenxe kwi-Bitcoin nganye erhwebayo emhlabeni xa yawa ngoFebruwari ka-2014 kunye ne-850,000 yeingqekembe ezilahlekileyo. Ngaphezulu kwama-400 otshintshiselwano aluphumelelanga kwihlabathi ukusukela ngoko. UMzantsi Afrika ubhale esakhe isahluko ngo-2021 xa utshintshiselwano lwasekhaya lwe-iCE3X lwanqanda ukurhoxa emva kokufumana imingxuma kwiincwadi zayo. Abathengi bayo bayeka ukuba ngabathengi ngaloo veki kwaye baba ngababolekisi ekubhangiseni. Ubuncinci utshintshiselwano lwaseMzantsi Afrika luye lwangena phantsi kwimbali emfutshane yeBitcoin yasekhaya kwaye amacebo abaleke ngemali yabathengi maninzi kakhulu ukuba angadweliswa.

Andizange ndifunde oku kwizihloko zeendaba. BendikwiBitcoin ukusukela ngo-2016 kwaye iminyaka yokuqala yandihlawulisa into endiyibiza ngokuba yifizi yesikolo, iimpazamo ezenziwa kumaqonga kunye neeseti bendingenalo ishishini elithembayo. SimplB ikhona ukuze abathengi bam bangaze bazihlawule ngokwabo ezo mali. Ndigcina irekhodi eqhubayo yintoni engazange iqhekezwe kwimbali yeBitcoin kuye nabani na ofuna iirisithi.

Ipateni ibambe iminyaka elishumi elinesihlanu. Abagcini bayasilela. I-asethi ayifuni.

Ukuzigcina, kwenziwa ngokufanelekileyo

Ukusuka malunga ne-R10,000 ukuya phezulu ndincoma ukuba ubambe izitshixo zakho kwaye ndiqhuba iiseti ezikhokelwayo ukufumana abathengi apho ngokukhuselekileyo. Iseshoni iquka ukukhetha isixhobo se-hardware, ukusithenga ngokuthe ngqo kumvelisi ukuze kungabikho nto ifika iphazamisekile, ukuyiqala ngaphandle kweintanethi kwaye ivelise ibinzana lembewu ngokufanelekileyo. I-backup iyaqinisekiswa phambi kokuba naliphi na ixabiso elinentsingiselo lichukumise isipaji. Emva koko kuza icandelo phantse wonke umntu otsibayo: ukubuyisela uvavanyo, ke uyazi ukuba i-backup iyasebenza ngaphambi kosuku olufuna ngalo.

Ngaphantsi kwe-R10,000 ndidla ngokuxelela abantu ukuba bangacingi ngokugqithisileyo ngayo. Gcina ugcina, gcina isikhundla kwi-akhawunti enikwe igama kwaye ubuyele kwakhona ukugcinwa xa ixabiso lithethelela i-hardware. Ukhuseleko kufuneka lulingane noko lukhuselayo. Ukubamba okuncinci ngasemva kwezixhobo ezibizayo kusombulula ingxaki engalunganga kuqala.

Ibinzana lembewu ngumdlalo wonke. Loo mazwi yiBitcoin.

Nabani na ozifundayo unokuthatha yonke into, yiyo loo nto engaze afotwe, angaze achukumise inkonzo yelifu kwaye angaze afundelwe nabani na okutsalela umnxeba esithi uyakuxhasa.

I-mantra endala ithi hayi izitshixo zakho, hayi iingqekembe zakho. Inguqulelo yam ayingombongi kangako. Ungathembi mntu ngeBitcoin yakho kwaye kuba akukho namnye kuthi olawula oko ngokupheleleyo, injongo kukunciphisa ukuba kungakanani ukuthembela okuhlala kuyo nayiphi na indawo. I-wallet ye-hardware ene-backup eqinisekisiweyo yenza loo nto kubanini abaninzi. Ndigubungela iinkcukacha kwi isikhokelo sam kwi-Bitcoin yokuzigcina eMzantsi Afrika.

Isebenza njani iVault yeSimplB

Ngaphezulu kwexabiso elithile i-wallet ye-hardware enye iqala ukuziva ibhityile. Isixhobo esinye sithetha ugcino olunye kunye nomntu omnye oqondayo ukuseta. IVault yimpendulo yam kugxininiso. I-2-of-3 ilungiselelo le-multisignature elakhiwe kwizixhobo ezintathu ze-hardware ezivela kubavelisi abathathu abahlukeneyo: i-Trezor, i-Ileja kunye neqhosha lokubuyisela le-Coldcard. Abathengisi bohluka ngenjongo, ngoko ke akukho siphoso somenzi omnye okanye unikezelo ngekhonkco lonikezelo olunokuze luchukumise zonke izitshixo ezithathu ngaxeshanye. Isitshixo ngasinye sifumana i-backup plate yentsimbi esindayo emlilweni nasemanzini.

Ubambe izitshixo ezibini. Ndibambe enye njengenxalenye yenkonzo elawulwayo phantsi kwelayisensi CAEP. Ukuhamba kweBitcoin kufuna utyikityo olubini, oluvelisa ipropathi yonke uyilo oluyilayitayo: Andinakuze ndihambise iimali zakho ndedwa kwaye unokuzihambisa ngaphandle kwam nanini na ukhetha. Ukuba i-SimplB yanyamalala ngomso, izitshixo zakho ezimbini zanele ukubuyisela i-multisig eqhelekileyo. Umlondolozi ekungeyomfuneko ukuba umthembe kuphela kohlobo olufanele ukuhlawulwa.

Kufanelekile ukuchaneka malunga nokuba yintoni le nto. IVault ayisiyiyo iakhawunti yokutshintshiselana enxibe isuti kwaye ayisiyomveliso edityanisiweyo apho iBitcoin yakho iba ngumgca kwisiseko sedatha somnye umntu. Kukuzigcina ngokuthatha inxaxheba elawulwayo kwindawo yolawulo. Ugcina ngqo umthwali-asethi ubunini zemali ethile. Ndinikezela ngoluhlu lwenkonzo olugcina ilungiselelo lilawula kwaye lisemthethweni.

Ukuseta kwenziwa ngabom kunokukhawuleza. Ndenza iiseti zeVault ezintlanu ngenyanga, kuba nganye ibandakanya umsebenzi welifa elenza ukuba ulwakhiwo lufaneleke ukuba nalo. Iinkundla zinokuqinisekisa ukuba ngoobani iindlalifa zakho. Akukho nkundla emhlabeni inokukhupha isitshixo sabucala. Ke yonke iVault iza nesicwangciso esibhaliweyo sokubuyisela: ileta yomyalelo exelela lowo ubhalwe phantsi ukuba yintoni na, apho izitshixo zihlala khona kunye nendlela ehamba ngayo imali, ngaphandle kwesitshixo esinye sabucala esikhe sabhalwa kumyolelo. Isicwangciso sijongwa ngokutsha xa iimeko zitshintsha.

Kwiinkampani kunye neetrasti zesakhiwo esifanayo siphendula imibuzo yolawulo emisa iibhodi ezininzi. Abanini-zitshixo babhaliwe. Ukurhoxiswa kufuna amaqela amabini ngokuyila kunomgaqo-nkqubo. Abaphicothi-zincwadi bafumana ukufikelela kwi-wallet kuphela, ukuze iibhalansi ziqinisekiswe ngexesha lokwenyani ngaphandle kokuba nabani na ofumana amandla okusayina. Iinkcukacha zehardware, inkqubo kunye namaxabiso zihlala iphepha leVault.

I-Bitcoin yi-asethi yomthwali. I-Vault ijika loo nto isuke kwisisongelo ibe yinto.

Yintoni ephilayo namhlanje kwaye yintoni ezayo

Ukusukela ngoJulayi ka-2026 iinkonzo ezisebenza ngokuqhubekayo zithenga kwaye zithengisa ngegama lakho, izicwangciso zokonga zenyanga ukusuka kwi-R1,000, ukuseta okukhokelwayo kokuzigcina, iVault kunye nokuphunyezwa kwe-OTC nangaluphi na ubungakanani. Ngaphandle konxweme Ubhengezo lwedola yaseMelika luqhutywa ngokubonisa umdla. Iintlawulo zombane, ukubolekwa kweBitcoin-backed, ideshibhodi yomcebisi kunye nomnikelo weleyibhile emhlophe kwezinye iifemu ezinelayisenisi zihlala kwimephu yendlela kwaye ndiya kuhlala ndisitsho ngokucacileyo kude kube yimini abahamba ngayo.

Loo mahluko ufanelekile ukuvavanywa xa uthelekisa ababoneleli. Ivenkile ebanga yonke into iyaphila idla ngokuba nento engekhoyo. Buza ukuba zeziphi iinkonzo ezinephepha-mvume, eziphethe imaphu yendlela kwaye ezingaphethe nto ngaphandle kwephepha lokufika.

Iimpendulo zihlela eli shishini ngokukhawuleza.