Imithetho emitsha yeCrypto yaseMzantsi Afrika: Bathetha ukuthini ukuba ubambe iBitcoin ngo-2026
Imithetho yatshintsha ngo-2026, kwaye uninzi lwezinto ezitshintshileyo umhlaba kumboneleli owusebenzisayo kunokuba kwiinkozo ozibambeyo. Loo mahluko libali lonke. Ukuba sele ungumnikazi weBitcoin, i-2026 shift ikucela ukuba ubonakale kwaye ubhalwe, ukuba ungahlali okanye uthengise. Le yinguqulelo yolwimi olucacileyo endiyinika abathengi phezu kwekofu: yintoni eneneni eshukumayo, ithetha ukuthini kumntu obambe nje, kunye nezinto ezimbini okanye ezintathu ekufanele zenziwe phambi kokuba unyaka olandelayo werhafu uvale.
Ukuthathwa okungundoqo
Izinto ezintathu zatshintsha umhlaba phantsi komnini waseMzantsi Afrika kwi-2026. I-Crypto-Asset Reporting Framework ithetha ukuba umboneleli wakho ngoku uxela idatha yakho yokuthengiselana kwi-SARS, ngoko ke isibhengezo esichanekileyo asisekho ukukhetha ekusebenzeni. Idrafti Capital Flow Management Regulations, eyapapashwa ngo-2026 kwaye uvulelwe izimvo nge-30 kaJuni, yayiza kusonga i-Bitcoin kulawulo lotshintshiselwano kwaye iphathe i-crypto enikezelweyo njenge-asethi yangaphandle ngokungagqibekanga. Kwaye izigwebo ezibini zeNkundla ePhakamileyo azivumelani malunga nokuba iBitcoin iyinkunzi, yiyo loo nto uNondyebo waziva enesidingo sokuwisa umthetho. Akukho nanye ivalela ukuba neBitcoin. Yonke ivuza ngokubamba umnikezeli wasekhaya onelayisensi ogcina isikhundla sakho sicocekile. Lo ngumxholo wezemfundo jikelele, hayi umthetho, irhafu okanye ingcebiso yolawulo lotshintshiselwano.
Yintoni eyatshintsha ngokwenene, ngokucacileyo
Abantu beva "imimiselo emitsha ye-crypto" kwaye bafanekisela ukuvinjelwa. Akunjalo.
Okwenzekileyo kukuba oomatshini esele bakhiwe ukusukela ngo-2022 baqala ukuluma ngendlela umntu oqhelekileyo anokuziva ngayo. Ulawulo lwelayisenisi iGunya lokuPhatha kweCandelo lezeMali lenziwe xa lichaza i-crypto imveliso yezemali ngomhla we-19 Oktobha 2022 ngoku isebenza, kunye neelayisensi ze-218 ze-Crypto Asset Service Provider ezivunyiweyo kwizicelo ze-400 ngo-Oktobha 2024. Inkqubo yokunika ingxelo yerhafu ifikile. Umbuzo wolawulo lotshintshiselwano, olele ishumi leminyaka, uguquke waba yinto ephilayo yomthetho oyilwayo. Ukuba uthenge i-Bitcoin yakho kwiminyaka emithathu edlulileyo kwaye wayilibala ngayo, akukho nanye yaloo nto yakuchukumisayo kude kube kulo nyaka, kwaye kulo nyaka. Ndibeka i-architecture epheleleyo yokuba ngubani olawula into kwisikhokelo sam eside yintoni efunekayo ukuthotyelwa kweBitcoin eMzantsi Afrika, ngoko ke ndiya kugcina esi siqwenga kwindawo ehlala kwisibambi.
Uguqulelo olufutshane: i-asethi isemthethweni ukuba ingabanini. Imithetho ejikelezileyo inamazinyo akhulile kwaye amazinyo ngoku aluma irekhodi oyigcinayo kunokuba iingqekembe ngokwazo.
I-SARS ngoku iyakubona ukuthengiselana kwakho ngaphandle kokukubuza
Olu lutshintsho uninzi lwabanini abalujongela phantsi. Kangangeminyaka ukucinga okusebenzayo yayikukuba i-crypto ihleli kwindawo engaboniyo, ukuba ngaphandle kokuba uvolontiye ukulahla i-SARS yayingenayo indlela elula yokwazi. I-Crypto-Asset Reporting Framework ivala eso sikhewu. Ingumgangatho we-OECD wokutshintshiselana ngokuzenzekelayo kolwazi lwerhafu ye-crypto, kwaye uMzantsi Afrika usayinwe kwangoko. UMkomishinala we-SARS ubeke utyikityo lwakhe kwisivumelwano samazwe amaninzi e-Asuncion ngomhla we-26 kaNovemba ka-2024, kwaye utshintshiselwano oluzenzekelayo phakathi kwabasemagunyeni berhafu lumiselwe ukuqala ngo-2027.
Oko kuthetha ntoni kuwe yikhonkrithi. Umboneleli waseMzantsi Afrika onelayisensi ngoku uqokelela kwaye anike ingxelo ngedatha yakho yentengiselwano kwi-SARS ngendlela umqeshi abika ngayo i-PAYE, ngoko ke izinto ozisebenzisayo ozenzayo kwiqonga zifika kwi-SARS nokuba uyazikhankanya okanye awuzikhankanyi xa ubuya. Ukuba ububhengeza ngokufanelekileyo, oku akutshintshi nto konke konke. Ukubuya kwakho sele kuxela ibali lokwenyani kwaye idatha yangaphandle iyavumelana nayo.
Ukuba awukakwenzi, isalathiso sicacile kwaye sikhomba indlela enye kuphela. Ndihamba ngobuchwephesha kunye nexesha le nto ngokweenkcukacha kwisiqwenga sam yintoni i-crypto-asethi yesikhokelo sokunika ingxelo kubanini baseMzantsi Afrika, ngenxa yokuba amanyathelo asebenzayo okucoca ngaphambi kokulunywa kwengxelo kufanelekile ukuwathatha ngoku kunokuba kamva.
Ifestile yokungathobeli okuthe cwaka iyavala. Ayiyongozi kangako njengokuqwalaselwa malunga nokuba iya phi idatha.
Umbuzo wolawulo lotshintshiselwano ngowokubukela
Apha kulapho kuhlala khona uphuhliso olutsha, kwaye akuzinzanga ngokwaneleyo ukuba nabani na othi uyasazi isiphumo uyaqikelela. I-Reserve Bank ichithe iminyaka ingakhululekanga ngokuba iBitcoin yayityibilika inqumla umda ingabonakali yinkqubo eyilelwe iibhanki neengcingo. Ngo-2026 oko kungazinzi kwaba luyilo: i-Capital Flow Management Regulations, epapashwe ukuze uluntu luhlomle ngefestile eqhube nge-30 Juni 2026.
Iidrafti zitshayela ngendlela efanele ukwenza nawuphi na umbambi azifunde ngocoselelo kunokuchwechwela isihloko. Kwimo yabo yangoku basonga ii-asethi ze-crypto kwinkcazo yemali enkulu, behleli ecaleni kwemali yangaphandle kunye negolide, kwaye baphatha i-crypto enikezelweyo njenge-asethi yangaphandle ngokungagqibekanga. Ukuthatyathwa ngokoqobo, oko kuya kuthetha ukuthumela i-Bitcoin ngaphandle kwelizwe okanye ukuhlawula umntu ongeyena umhlali kuyo kufuna imvume ecacileyo, kwaye kuya kubeka ii-holdings ngaphezu komqobo uMphathiswa wezeMali engekabizi igama kwi-declaration regime, echazwe kuNondyebo weSizwe kunye neenkcukacha malunga nokuba ufumene nini kwaye njani. Uyilo lude lufikelele kumagunya ukunyanzela uguqulo lube yirandi kwaye, ngokurhanelwa kutyeshelo, ukufuna izitshixo zabucala. Elo candelo lokugqibela lide kwindlela umntu onokuthi aziphathe ngayo, kwaye kungenxa yoko le nto ishishini liye labuyela umva nzima.
Akukho nanye kule nto ingumthetho okwangoku.
Ukufundwa okunengqiqo kumnini kukuba ukusilela kunobunzima obuninzi. Ukuba imigaqo yokugqibela iphatha i-Bitcoin ebanjwe kumboneleli wendawo onelayisensi njenge-asethi elunxwemeni, umgcini oqhelekileyo oxhaswa ngemali ngerandi eGeorge okanye eGqeberha uqhuba kakhulu njengangaphambili. Ukuba idrafti iyasinda njengoko ibhaliwe, kwa lo mgcini-mgcini mnye unokufumana indawo ekhule ekhaya ehlelwe ngokutsha ngokuzolileyo njengendawo ekude nonxweme. Eso ayisosizathu sokoyika kwaye ayisosizathu sokuhambisa iingqekembe kwindawo ethile. Sisizathu sokubamba apho umgaqo wexesha elizayo unokuthotyelwa khona kunokuba ube kwindawo ethile ongenakufikelela kuwe ngokucocekileyo. Ndihamba ngamanani, izibonelelo kunye nomxholo weBhajethi kwinqaku lam I-Bitcoin kunye nolawulo lotshintshiselwano emva kweBhajethi ye-2026.
Kutheni iijaji zisaphikisana ngayo
Isizathu sokuba uyilo lolawulo lotshintshiselwano lubekho konke konke kukuchasana okusemthethweni, kwaye kufanelekile ukwazi kuba ikuxelela ukuba akugqitywanga oku. IiNkundla eziPhakamileyo ezimbini ngoku zijonge ukuba iBitcoin ibalwa njengenkunzi kwaye ifikelele kwiimpendulo ezichaseneyo.
Kumba Standard Bank, wanikezela ngomhla 15 May 2025, inkundla wabamba ukuba Imali yekhripto ayibandakanyi imali okanye inkunzi ngaphakathi intsingiselo Exchange Control Regulations ka-1961, engqiyame yayo decentralized kunye nobume obungaphathekiyo. Kamsinyane emva konyaka, nge-1 kaJuni ka-2026, enye iNkundla ePhakamileyo kumcimbi waseMangundhla yafikelela kumbono ochaseneyo, ibambe ukuba iBitcoin yayiyimali kunye nenkunzi kumxholo ophambi kwayo kwaye ichaza ukuqiqa kwangaphambili njengengalunganga ngokucacileyo. Iinkundla ezimbini, iimpendulo ezimbini, i-asethi enye. Loo ntlupheko engasonjululwanga yi-catalyst ethe ngqo emva kwe-drafts ye-2026, ezama ukuphelisa ingxabano ngokubhala i-crypto kwinkcazo yenkunzi kunokuba uyishiye kumgwebi olandelayo. Ndichaza umthetho wokuqala kunye nokuba kuthetha ukuthini kubanini ekubhaleni kwam i Ityala lolawulo lotshintshiselwano lwe-Standard Bank.
Inkqubo exoxisana nayo esidlangalaleni asiyonkqubo eza kucima i-asethi yakho. Ngumthetho owenziwayo kunokuba unyanzeliswe.
Yintoni isakuthengela yona ilayisenisi
Kuyo yonke le nto, eyona nto iluncedo umnini anokuyenza ayikatshintshi. Sebenzisa umboneleli ovela kwirejista ye-FSCA kwaye uyijonge ngaphambi kokuba wenze. Loo mkhwa omnye wenza ngakumbi isikhundla sakho kunayo nayiphi na imali yokufunda malunga nemithetho eyilwayo.
Ilayisensi yoMboneleli weNkonzo ye-Crypto Asset ayihombisi. Ithwala izibophelelo malunga nokwahlulwa kwee-asethi zabaxumi, iinkqubo ezichasene nokuthutyeleziswa kwemali kunye nabantu ababalulekileyo abafanelekileyo, kwaye ikunika kwindawo ethile eMzantsi Afrika onokuthi ujike kuyo ukuba kukho into engahambi kakuhle. Izikhalazo ezichasene nomnikezeli onelayisensi ziqhutywa ngokwesakhelo solawulo se-FSCA. Izikhalazo ezichasene nomntu ongenalayisenisi, nangona i-website yayo iqinisekile, ayinayo ijelo elilinganayo kwaye idla ngokuphela kwinkundla yangaphandle ecothayo, ebiza kakhulu kwaye enqabile ukuba ibe neziqhamo.
Ukujonga irejista kuthatha ngaphantsi komzuzu, kwaye ndabhala i-walkthrough epheleleyo indlela yokuqinisekisa ukuba umboneleli unelayisensi yokwenene FSCA kanye ngenxa yesi sizathu.
Umaleko wokuthotyelwa ngoku ulandela iingqekembe kunye nomxhasi, olona tshintsho luzolileyo lwe-2026. Umyalelo we-9, owakhutshwa nge-15 Novemba 2024 kwaye usebenza ukususela nge-30 ku-Apreli 2025, weza noMgaqo wokuHamba kubaboneleli baseMzantsi Afrika, ngoko ke ukuchonga ulwazi malunga nohambo lomthumeli kunye nomamkeli kunye nokudluliselwa phakathi kwababoneleli benkonzo. Kuwe njengombambi oku akubonakali ngosuku oluhle. Kuthetha nje ukuba umboneleli oyisebenzisayo wenza umsebenzi ogcina irekhodi yakho ikhuselekile.
Yintoni ekufuneka yenziwe ngumnini ngo-2026
Sula ingxolo kwaye uluhlu olusebenzayo lufutshane, kwaye akukho nanye kulo inzima kuye nabani na ophatha iBitcoin ngendlela abaya kuyiphatha ngayo nayiphi na enye i-asethi enzulu. Bamba kumboneleli wasekhaya onelayisensi ye-FSCA kwaye uqinisekise kwirejista ngaphambi kokuba uhambise nantoni na. Xela yonke into oyithengileyo, nokuba uthengisile, utshintshiselwano okanye uchithe, kwimbuyekezo yakho yonyaka kunye neendleko zerandi kunye nexabiso lerandi, ukuze xa idatha exeliweyo ifika ingqinelane nawakho amazwi. Gcina iirekhodi zentengiselwano kwiqonga ngalinye kunye ne-wallet owake wayisebenzisa, kuba usuku olufuna ngalo luhlala luyimini yokuthengisa ilindele ukuzinza. Ukuba unomsebenzi wokuwela umda okanye inkampani okanye uthembele emfanekisweni, thatha ingcebiso yolawulo lotshintshiselwano ngaphambi kokuba wenze okuthile kunokuba emva koko, kuba uyilo luka-2026 lwenza ukuba umbuzo ophilayo kuye nabani na ohambisa izibalo zezinto.
Yiyo yonke loo nto.
Into endihlala ndibuyela kuyo kunye nabathengi kukuba utshintsho luka-2026, lufundeka ngokunyanisekileyo, luqhubele phambili kumninimzi ngaphezu kokuchasene nalo. Kwiminyaka elishumi edlulileyo imithetho ibingacacanga ngokwenyani kwaye amaqonga ayengamakhwekhwe ngokwenyani. Namhlanje kukho ilayisenisi onokuthi uyiqinisekise, isakhelo serhafu esibhaliweyo ubuncinane kunye nenkqubo yokunika ingxelo evuza umntu ogcine iirisithi zakhe. Abantu abonzakalayo ngummiselo phantse basoloko bengabo babezama ukuyijikeleza. Abo bahlala bebonakala, bebhalwe kwaye benamaphepha-mvume bafumana imithetho emitsha bababuza okuncinci kakhulu bebengakwenzi. Ukuba ufuna isibini samehlo apho uhlala khona phambi kokuba iidrafti zolawulo lotshintshiselwano zizinze, yile ncoko kanye endiba nayo veki nganye.
Imibuzo ebuzwa qho
Ngaba imithetho ye-2026 ithetha ukuba kufuneka ndithengise i-Bitcoin yam?
Hayi. Ubunikazi beBitcoin buhlala busemthethweni eMzantsi Afrika kwaye akukho nto kwiinguqu ze-2026 ezicela ukuba uthengise. Yintoni etshintshileyo kukuba umboneleli wakho ngoku ubika idatha yokuthengiselana kwi-SARS phantsi kwe-Crypto-Asset Reporting Framework, kunye nedrafti yeMigaqo yoLawulo lokuPhathwa kweNkunzi iphakamisa ukugoqa i-Bitcoin kulawulo lotshintshiselwano. Zombini zihlaba ikakhulu ngendlela obambe ngayo kwaye ubhengeze, hayi kwilungelo lakho lokuba ngumnini. Impendulo enengqiqo kukubamba ngomnikezeli wasekhaya onelayisenisi kwaye ugcine iirekhodi zakho zerhafu zicocekile, hayi ukucima.
Yintoni i-CARF kwaye indichaphazela njani njengomnini?
I-CARF yi-Crypto-Asset Reporting Framework eyenziwe yi-OECD. UMzantsi Afrika utyikitye isivumelwano samazwe amaninzi ngoNovemba wama-2024 kwaye utshintshiselwano oluzenzekelayo phakathi kwabasemagunyeni berhafu luza kuqalisa ngo-2027. Xa sisebenza oko kuthetha ukuba umnikezeli waseMzantsi Afrika onelayisensi uxela idatha yakho yentengiselwano ku-SARS, njengoko umqeshi echaza i-PAYE. Ukuba ubhengeze izinto ozilahlayo ngokunyanisekileyo, oku akutshintshi nto. Ukuba awukakwenzi, i-SARS ngoku ibona umsebenzi wakho ngokuzimeleyo kwinto oyivolontiyayo.
Ngaba idrafti yemithetho yolawulo lotshintshiselwano inokuphinda ihlele i-Bitcoin yam njenge-offshore?
Mhlawumbi, yiyo loo nto bekufanele ukujongwa. Idrafti ye-Capital Flow Management Regulations epapashwe kwi-2026 iphatha i-crypto decentralized njenge-asethi yangaphandle ngokungagqibekanga kwaye iya kufuna isibhengezo sokubamba ngaphezu komda ongachazwanga. Ziyidrafti, ezivulekele izimvo nge-30 Juni 2026, kwaye ishishini liphikisana ukuba i-Bitcoin ibanjwe kumboneleli wendawo onelayisensi kufuneka ibale njengonxweme. Ukubamba ngomnikezeli onelayisenisi kugcina isikhundla sakho sibonakala kwaye sibhalwe nokuba yeyiphi na indlela imithetho yokugqibela efika ngayo.
Yeyiphi eyona nto iluncedo endinokuyenza malunga nemithetho emitsha?
Qinisekisa ukuba umboneleli wakho uvela kwirejista ye-FSCA, kwaye ubambe kuyo. Umboneleli onelayisensi ukunika uncedo lwendawo, uxela idatha yakho ngendlela egcina indawo yakho yerhafu icocekile, kwaye ikugcine kwicala elithobelayo loyilo lolawulo lotshintshiselwano. Ukusebenzisa iqonga elingagunyaziswanga kukushiya ubhencekile kuyo yomithathu imida. Book a call ukujonga apho kuhlala khona iimpahla zakho.
Hlala kwicala elimiselweyo lemithetho ka-2026.
I-SimplB inceda abantu baseMzantsi Afrika ukuba babambe i-Bitcoin ngokubonakalayo, ibhalwe kwaye inelayisenisi, njengoMmeli woBugqwetha we-CAEP Asset Managers (FSP 33933).
Incwadi uphononongo umnini Bitcoin