Iimali zesiNtu zicotha kwaye ziyabiza. I-Bitcoin ayikho enye.

Imali kwi-akhawunti yakho yebhanki ihamba ngesantya sefeksi ukusuka ku-1985. Ayingomfanekiso wentetho leyo. Xa uthumela intlawulo kumnikezeli we-offshore, akukho mali ihamba naphi na; umyalezo uhamba, utsiba phakathi kweebhanki ezibambe iiakhawunti kunye, kwaye ixabiso lihleli kuhambo lweentsuku ngelixa umyalezo ufumana indlela yawo. I-Bitcoin ihlawula intlawulo efanayo kwinethiwekhi evulekileyo malunga neyure, nangaliphi na iyure, ngaphandle kokucela ikhonkco labalamli bemvume. Esi siqwenga sichaza ukuba kutheni iireyili ezindala zicotha, yintoni iBitcoin etshintshayo kwaye ishiya ishishini laseMzantsi Afrika namhlanje.

Kutheni intlawulo enqumla imida ithatha iintsuku?

Xa uhlawula umthengisi ongaphandle kolwandle, imali yakho ayihambi kuye. Umyalezo uyenza. Akukho bhanki yehlabathi inye, ngoko ke ibhanki yakho ine-akhawunti kwibhanki yaphesheya, enokuthi ibambe i-akhawunti kwenye ibhanki ekufutshane nomnikezeli wakho, kwaye intlawulo yimiyalelo egqithiselwe phantsi kwetsheyini de umntu afake i-akhawunti ekugqibeleni. Ushishino lubiza le ngxelo yebhanki. Lugqatso oluqhutywa ngamaziko agcina iiyure zabagcini bebhanki.

Yonke i-handoff kolu relay ixabisa ixesha kunye nemali. Inethiwekhi yokuthumela imiyalezo abayisebenzisayo ukudlulisa imiyalelo yakhiwa kumashumi eminyaka eyadlulayo kwilizwe elicothayo. Ibhanki nganye kwikhonkco yongeza umrhumo, isebenzise isantya sayo sokutshintshiselana kunye neenkqubo kwishedyuli yayo, oku kuthetha ukuba intlawulo iyayeka ukufa ngeveki nganye kwaye yonke iholide kawonkewonke idibana nayo endleleni. Akukho mntu kwelo tyathanga uyonqena. Ngamnye wenza umsebenzi wakhe ngewotshi yakhe. Ulibaziseko asiyongxaki yeteknoloji. Luyilo lwesakhiwo esenza kanye le nto yayiyilelwe ukuyenza kwixesha elingaphambi kwe-intanethi.

Ukulinda akusimahla ngelixa kwenzeka. Ukuzinza kuyo yonke inkqubo yesiNtu kuqhuba iintsuku okanye iiveki ngokuthembana nokucoca, kwaye ngelo xesha imali yakho yokusebenza ayiyoyakho ingeyiyo neyabo. Ibotshiwe kumbhobho. Irandi inokuhamba ngokuchasene nawe phambi kokuba intlawulo ifike. Umhla wokugqibela wokuthumela ngenqanawa ungadlula. Kwaye unomngcipheko wokuba elinye iqela kwindawo ethile kwikhonkco lisilele ukuhambisa ngaphambi kokuba imali ifike, ukuvezwa kwe-lag yokuhlawula kuyadala kwaye emva koko izandla zithule kuwe.

Kwishishini eliqhuba ngokutya, oku akuyongxaki. Yirhafu yokucwangcisa.

Ndibukele umthengi ephethe i-invoyisi iintsuku ezintlanu.

Umthengisi waphesheya wayefuna intlawulo isuswe ngaphambi kokuba akhulule ukuthunyelwa. Ibhanki yacaphula iintsuku ezimbalwa zoshishino, emva koko iholide kawonke-wonke yafika phakathi kwekhonkco kwaye iintsuku ezimbalwa zaba yiveki, kwaye ngexesha lokufika kwemali irandi yayisele ikhutshiwe kwaye ixabiso umxhasi acinga ukuba bavumelene ngalo ayisenaxabiso abalihlawulayo. Akukho mntu wenze into engalunganga. Inkqubo yasebenza ngokuchanekileyo njengoko iyilwe, eyona nto iphambili. Xa uyilo luthatha imiyalezo ethunyelwe phakathi kwamaziko ngeeyure zomsebenzi, ukulibaziseka asikokusilela kwesistim. Yinkqubo.

Ingxaki yokuthumela imali imbi kunengxaki yorhwebo

Iintlawulo zorhwebo zicotha. Iimali ezithunyelwayo zicotha kwaye ziyathandeka. Umsebenzi waseRhawutini othumela imali ekhaya kusapho ngaphaya komda ulahlekelwa sisiqwenga sayo esinentsingiselo kwimirhumo kwaye sisasazeke phambi kokuba kufike isenti, kwaye iindleko ziwela kakhulu kwezona mali zincinci ngenxa yokuba iintlawulo ezimiselweyo azicutheki xa kukhutshelwa. Ukuthumela imali ngaphakathi nangaphandle kwelizwekazi laseAfrika kudala kuphakathi kwezona paseji zinexabiso eliphezulu ehlabathini. Abantu abasebenzisa ezo paseji zepaseji ngabona bangakwaziyo ukufikelela ukuvuza.

UMzantsi Afrika wongeza umaleko wawo phezulu. Ukuhambisa imali ngaphaya komda akusiyo inketho yasimahla; kukho isibonelelo sonyaka, amaphepha angqina ukuba uhlale ngaphakathi kuyo kunye nesakhelo seBhanki enguVimba ubukele ukuhamba. Andichasene nokongamela ngokomgaqo.

Nayiphi na inkqubo yezemali enzulu kufuneka ibe ngamapolisa ngokuxhaphaza imali kwaye ikhusele isiseko serhafu. Ingxaki imxinwa kunokuba abagxeki bayenze. Iireyile ezithwala imali esemthethweni ziyafana ezicothayo kwaye zineendleko eziphezulu, ngoko umsebenzisi onyanisekileyo uphela ehlawula ixabiso elipheleleyo lenkqubo eyakhelwe ukubamba lowo unganyanisekanga. Itekhnoloji engcono ayinakukwenza buthathaka ukongamela. Bekuya kuyeka nje ukohlwaya abantu abangazange bajongwe.

Yintoni iBitcoin etshintshayo malunga nokuhlaliswa

I-Bitcoin isusa i-relay. Ixabiso lihamba ngokuthe ngqo kuthungelwano oluvulekileyo olungaze luvale, kwaye uthungelwano lufikelela kwisimo esitsha ekuvunyelwene ngaso kwi-avareji rhoqo ngemizuzu elishumi, imini nobusuku, ngempelaveki kunye neholide kawonke-wonke, ukususela ngoJanuwari 2009. Ukudluliselwa phakathi kweRhawuti kunye neLondon yi-asethi efanayo ehlala malunga neyure kuyo nayiphi na isayizi, kungekho mntu phakathi ukuyibamba, ukulibazisa okanye ukuthatha ukusasazeka endleleni. Akukho yure zebhanki kuba akukho bhanki. Akukho festile ivulayo kuba akukho ndlu icoliweyo.

Inguqu enzulu yinto eyenzekayo xa sele ithe yahlala phantsi. Intlawulo yebhanki inokubuyiselwa umva, ifakwe emkhenkceni okanye ihlawulwe emva kwenyani, yiyo loo nto le nkqubo ithatha ixesha elide ukuyithemba kwasekuqaleni. Ukuthengiselana okuqinisekisiweyo kweBitcoin kukugqibela. Ayinakubuyiselwa umva, inyuswe okanye ihlelwe ngokutsha lilo naliphi na igunya, kwaye okukhona ihleli phantsi kweebhloko zamva kokukhona kubiza ngokungekho ngqiqweni ukuyikhulula. Leyo yimali yepropathi yehlabathi engazange ibenayo: ukuhlaliswa ngaphandle kweqabane, akukho sibheno kwaye akukho kuhoywa kulawulo. Kungenxa yoko le nto ndihlala ndisithi i-Bitcoin isondele emalini kunokudluliselwa kwebhanki, umahluko endiwubeke kuwo I-Bitcoin njenge-asethi yomphathi.

Qwalasela ukuba ukulibaziseka okuqhelekileyo kuthenga ntoni ngokwenene. Ezo ntsuku azichithwanga ukuhambisa imali, kuba akukho mali ihamba; zichithwa ekwakheni ukuzithemba okwaneleyo phakathi kwamaziko ukuba umyalelo obuyiselwa umva unokuthathwa njengokuzinzisiwe. I-edifice yonke yobudlelwane bembalelwano, amaxesha anqunyulwe kunye nokucoca iifestile zikhona ukuze zenze, ngokucothayo kwaye kuyabiza, ukugqiba ukuba ibhloko yeBitcoin ivelisa ngokwayo malunga nemizuzu elishumi. Xa intlawulo ingenako ukurhoxiswa, awusafuni ntsuku zokuthenjwa zeziko ukuze ume emva kwayo. Iindleko kunye nokulinda yayisoloko ilixabiso lokubuyela umva, kwaye xa ukulungiswa kugqityiwe, ixabiso liyanyamalala. Le yinxalenye ethatha ixesha ukuba abantu bayifunxe, kuba siye saqeqeshwa ukuba sicinge ukuba ukucotha ngocoselelo kwaye ukukhawuleza kukungakhathali, xa kwimali ewela umda ukucotha akuzange kumkhusele umthumeli. Yayikhusela iibhanki enye kwenye.

I-Bitcoin ayisona sixhobo esifanelekileyo kuyo yonke intlawulo. Uthungelwano olusisiseko lurhweba ngabom kwi-output yokhuseleko kwaye luhlalise inani elilinganiselweyo lentengiselwano kwibhloko nganye, elungele ukuhlaliswa kodluliselo olukhulu kakhulu kunokuthenga ikofu. Kwiintlawulo ezincinci, ezikhawulezayo, zemihla ngemihla, impendulo ngumaleko phezulu. I-Lightning Isixokelelwano seekhompyutha ivumela ixabiso ukuba lihambe kwi-Isixokelelwano samakhonkco kwaye lizinze kumqolo wesiseko xa amaqela ekhetha, ngoko ke iintlawulo ezincinci zicacile ngemizuzwana ngexabiso elingenakuphikiswa. Mandithi ngqo: Umbane ukwimephu yendlela yam kubathengi beSimplB, hayi inkonzo endiyiqhuba ngqo namhlanje. Ingqiqo yokulungisa ingezantsi i-on-Isixokelelwano samakhonkco kwaye iyafumaneka ngoku.

Apho iBitcoin sele ifumana indawo yayo eMzantsi Afrika

Eyona meko iluncedo ndiyibonayo ayingokuthumela inkunzi ngaphandle. Imalunga nokuzisa imali ngokucocekileyo ngakumbi. Ngokusebenzisa amaqabane okubulala alawulwayo, umxhasi unokufumana iimali ezithunyelwa njengeBitcoin zisuka kumazwe angaphandle kwaye ixabiso lihlaliswe kwi-akhawunti yebhanki yaseMzantsi Afrika ngokukhawuleza nakufutshane nesantya semalike sokwenyani kunokuvumela umjelo wotshintshiselwano lwemveli lwangaphandle. Imali eshiya iakhawunti yaseYurophu kwaye ifika apha ngemizuzu kuneentsuku, ngesantya esifana nesantya sesikrini kunokuba sandisiwe, ngamava ahlukileyo ngenene kuye nabani na oqhuba ingeniso yamazwe ngamazwe.

Ndicinga malunga nomxhasi othile xa ndichaza oku: umcebisi waseGeorge ohlawulwa yifemu eYurophu, ediniwe ukubukela umrhumo wenyanga nganye ucutheka ngokusasazeka kwebhanki kunye nokulinda iintsuku ukuze kucinywe. Ukuzisa loo ngeniso kwi-Bitcoin kaloliwe yasombulula isantya kunye nokusasazeka kwintshukumo efanayo. Luhlobo lokuphumelela olusebenzayo olungenanto yakwenza noqikelelo kunye nayo yonke into enokwenza nokungarhafiswa ngokuzolileyo kumvuzo wakho.

Kukho umda onyanisekileyo, kwaye ndithetha ngaphambi kokuba nabani na asayine nantoni na. Esi sakhiwo sihambelana nokungena kwemisebenzi ngcono kakhulu kunokuba kulungele ukutyhalela imali yotyalo-mali umva kude nonxweme kamva. Ukuba uzisa imali ngale ndlela uze uzame ukuthumela imali ngaphandle kwenkqubo yocingo lwamazwe ngamazwe, iibhanki kunye namaqela okuthobela aya kukhangela irekhodi engenayo ehambelanayo, kwaye ukungena kweBitcoin akuhlali kushiya irekhodi ebhaliweyo abayilindeleyo. Ukusombulula ingxaki yentlawulo namhlanje kunokudala ingxaki yebhanki kulo nyaka uzayo ukuba awukhange wenze imaphu yohambo olupheleleyo lokuya nokubuya. Umsebenzisi olungileyo ukuxelela ukuba kumnxeba wokuqala, hayi okokugqibela.

I-Bitcoin kunye nokuthotyelwa akuzona iintshaba

Kukho ingxabano ediniweyo yokuba i-Bitcoin kunye nommiselo zihlala kumacala ahlukeneyo etafile. Ayinakusinda ekunxibelelaneni nendlela itekhnoloji esebenza ngayo ngokwenene. I-Bitcoin yinethiwekhi yokuhlala. Ummiselo sisikhokelo sokuthatha inxaxheba ngokusemthethweni. Enye ihambisa ixabiso, enye ilawula ukuba ngubani onokuyihambisa kunye nendlela erekhodwa ngayo, kwaye ezi zimbini zihlala ngokugqibeleleyo okomzuzwana uyeka ukuphatha isantya sokuzinzisa njengekroba kwaye uqale ukuliphatha njengesiseko.

Into efunwa nguMzantsi Afrika ayikokuvalwa kwaye ayingomehlo angaboniyo. Ifuna imithetho eqondayo ukuba yintoni na enokwenziwa ngokukhawuleza kokugqibela kokugqibela kwaye kwakhiwe iindlela ezisemthethweni zorhwebo olusemthethweni kunye nokuqukuqela kukanondyebo ukuze kusetyenziswe. Amashishini aya kuhlala efikelela kwiziporo ezikhawulezayo nezinexabiso eliphantsi naphi na apho abafumana khona, kuba uxinzelelo olubatyhalele apho alupheli. I-Reserve Bank kunye ne-FSCA zisongamela esi sikhokelo njengoko sikhula, kwaye ndingathanda ukunceda abathengi basebenze ngaphakathi kuyo ngokucacileyo kunokuba babukele bephucula ngeenxa zonke kuyo. Imeko ebanzi yokuba kutheni inkqubo esembindini ihlala isilela abasebenzisi bayo yenye endiyenza kuyo eyona nto iboniswa yirekhodi, kunye nezizathu zemali zokuba iBitcoin ibambe ixabiso ngelixa ihleli igqunyiwe Bitcoin njengemali evakalayo.

Imali ekhawulezayo iyeza nangayiphi na indlela.

Umbuzo wokwenyani kuphela kukuba ingaba imigaqo idibana nayo okanye ilandela emva kwayo, kwaye oko kukhetho lomgaqo-nkqubo kunobugcisa. Itekhnoloji sele isebenza. Isebenzile, ibhlokhi emva kwebhloko, ngaphezulu kweminyaka elishumi elinesixhenxe.