I-Bitcoin ne-Exchange Control: Okushiwo yiSabelomali sika-2026 kubatshalizimali baseNingizimu Afrika
Umugqa owodwa eSabelomalini sika-2026 wenze okuningi ukushintsha i-Bitcoin eNingizimu Afrika ukudlula noma yiliphi icala lasenkantolo. Ngomhla ka-25 Februwari 2026 uNgqongqoshe wezeziMali wathi i-National Treasury izochibiyela i-Uhlobo lwemali and Exchanges Act ka-1933 ukuze ifake ama-crypto asset ohlakeni lokuphathwa kokugeleza kwemali enkulu. Akukona ukuvinjelwa. Akuyona intela entsha. Yisinqumo sokuphatha izinhlamvu ezeqa umngcele ngendlela umbuso osevele uphatha ngayo irandi, igolide nemali yakwamanye amazwe. Yilokhu ebengilokhu ngitshela amaklayenti ukuthi akulungele, kanti nakhu okukuthintayo nokungakuthinti.
Iphuzu elisemqoka
Ukuthenga i-Bitcoin ekhaya ngerandi ngomhlinzeki waseNingizimu Afrika onelayisensi kusebenza ncamashi njengakuqala. I-Single Discretionary Allowance yaphindwa kabili isuka ku-R1 million iya ku-R2 million ngomuntu ngamunye ngonyaka wekhalenda, i-Foreign Capital Allowance ihlala ku-R10 million ne-pin ye-Tax Compliance Status, kanti imithethonqubo ehlongozwayo elandela iSabelomali yengeza izibopho zokwazisa, amandla okuthengisa ngenkani nesicelo sezikhiye zakho eziyimfihlo uma izinhlamvu zidliwa umbuso. Lapho ubamba khona i-Bitcoin yakho manje kungumbuzo ophilayo wokulawulwa, hhayi umbhalo waphansi.
Luyini ngempela uhlaka lokugeleza kwemali enkulu
Uhlelo lokugeleza kwemali enkulu lwaseNingizimu Afrika lulawula indlela izakhamuzi ezidlulisa ngayo imali ngaphesheya komngcele nezitshala ngayo imali phesheya. I-Reserve Bank iluphatha ngemithethonqubo emidala ye-Exchange Control, futhi luhamba ngezigaba ezintathu ezaziwayo. I-Single Discretionary Allowance, iSabelomali sika-2026 esiyiphinde kabili yaya ku-R2 million ngonyaka, ihlanganisa uhambo, izipho, imali ethunyelwayo notshalomali lwaphesheya ngaphandle kwesidingo se-pin yentela. I-Foreign Capital Allowance ihlala ngaphezu kwayo ku-R10 million ngonyaka futhi idinga i-pin ye-Tax Compliance Status evela ku-SARS ngenqubo ye-Approval for International Transfer. Ngaphezu kwalokho usungena ezicelweni ngazinye ze-Reserve Bank, ezinqunywa ifayela ngalinye ngesikhathi salo.
I-Bitcoin ayikaze ingene kahle kuleso sakhiwo. Ayiyona imali yakwamanye amazwe, ngoba ayiyona imali yezwe. Ayiyona i-security esohlwini. Yonke impikiswano ibingukuthi ngabe ibalwa "njengemali enkulu" yini ngaphansi kwemithethonqubo eyabhalwa ngo-1961 yezinsiza ezihamba ngamabhange. ISabelomali siphendula umbuzo ngomyalo kunokuba ngencazelo: noma ngabe ijaji licabanga ukuthi i-Bitcoin iyini, i-National Treasury ihlose ukuyiqamba futhi iyilawule njengemali enkulu. Ngichaze uhlangothi lwasenkantolo lwalokhu ngokugcwele ku- ukuhlaziya kwami kwecala le-Standard Bank.
Yini eshintshayo ekhaya, okucishe kube yilutho
Thenga i-Bitcoin ngerandi kusukela ku-akhawunti yakho yasebhange yaseNingizimu Afrika ngomhlinzeki wasekhaya onelayisensi, isithombe asishintshile. Ukuthengiselana kungaphakathi ezweni. Asikho isabelo esisetshenzisiwe, ayikho imvume edingekayo futhi awukho umngcele oweqiwe. Iklayenti eliseGeorge elithenga i-Bitcoin ka-R5,000 ngoLwesibili lenza kanye lokho elalikwenza nyakenye. ISabelomali asenzi lutho lapho. Uhlangothi lwasekhaya alukaze lube yikho okuqondiwe lapha. Uhlangothi lwaphesheya, lapho izinhlamvu ziphuma khona ezweni zingabonwa, yilo obeluqondiwe njalo.
Ushintsho luselebulini, hhayi ekuthengiselaneni. I-Bitcoin ebanjwe komhlinzeki waseNingizimu Afrika onelayisensi manje ihlezi ngaphakathi kohlaka olunegama layo, okubalulekayo lapho amabhange nabahlinzeki bekala ingozi yabo futhi bakha imikhiqizo yabo. Ukuqinisekiswa kwe-FICA kuyaqhubeka. Ukuthelisa kwe-SARS kuyaqhubeka. Ukubika kwe-CARF kuyaqhubeka. Okufikayo yisiqiniseko, kanti isiqiniseko sivame ukwenza indlela ehambisana nomthetho ibe bushelelezi kunokuba ibe nzima.
Abantu abahlupheka ngaphansi komthetho njalo yilabo abazame ukuwugwema. Lokho bekuyiqiniso kuzo zonke izigaba zokulawulwa kwe-crypto eNingizimu Afrika, kusukela ohlelweni lwamalayisensi lwe-FSCA kuye kumthetho wohambo. Kuyiqiniso nalapha. Iphuzu lokubamba ngaphakathi ezweni wukuthi awusoze kudingeke uchaze ukweqa umngcele ongakaze ukwenze.
Yini eshintshayo emngceleni
Thumela i-Bitcoin ekhelini langaphandle noma ku-exchange yangaphandle, iSabelomali sidonsela lokho kugeleza ku-exchange control, okusho ukuthi kuba wukunyakaza kwemali enkulu okumele kubikwe kunokudluliswa okungabonakali. I-SDA ka-R2 million ephindwe kabili yiyo impumuzo enkulu kubantu abaningi. Umbhangqwana oshadile manje ungadlulisa u-R4 million uye phesheya ngonyaka wekhalenda ngaphandle kwesicelo se-Reserve Bank noma i-pin yentela. Umlingani ngamunye unesabelo sakhe esihlukile sika-R2 million, ngakho isamba somndeni singesangempela, hhayi ichibi elabiwe. Ngihamba ngezibalo zalokho ku- ingosi ngesabelo sika-R2 million saphesheya.
Ungasisebenzisa leso sabelo ukuthenga i-Bitcoin kwipulatifomu yangaphandle? Ngokwemigomo, yebo. I-SDA ibalwa ngerandi, ngakho ukusebenzisa u-R2 million wayo ezinhlamvini phesheya kungukudluliswa kwemali enkulu okuya phesheya okusebenzisa isabelo njenganoma yikuphi okunye. Izinhlamvu zibe sezihlala ngaphandle komngcele we-exchange control.
Okungenziwanga yiSabelomali wukususa umkhawulo oyisisekelo kunoma ubani. I-Bitcoin manje ingaphakathi kuka-R2 million, ayikhululiwe kuwo, kanti inqubo eqondile izogcina icacisiwe kuphela lapho imithethonqubo esemthethweni ifika. Isizinda esibanzi seSabelomali sika-2026, kusukela ezinguqukweni zezabelo kuye esimweni somoya e-National Treasury, sihlala ku- ukufunda kwami inkulumo yeSabelomali ne-Bitcoin.
Kwenzekani ezingeni elikhulu
Ngaphezu kwe-SDA kuhlala i-Foreign Capital Allowance ka-R10 million ngonyaka. Ivuleka kuphela nge-pin ye-Tax Compliance Status evela ku-SARS eqinisekisa ukuthi izindaba zakho zentela zihlelekile. Ngaleyo pin isakhamuzi singadlulisa kuze kufike ku-R10 million siye phesheya ngonyaka owodwa, i-Bitcoin manje ifakiwe ngesimo esifanayo nokheshi noma amasheya. Ngaphezu kuka-R10 million usungena emvumeni ye-Reserve Bank, ehlolwa ifayela ngalinye.
Ihhovisi lomndeni elifuna ukudlulisa isikhundla esikhulu kakhulu siye phesheya likwenza ngezigaba: i-FCA nge-pin, bese kuba yizicelo zokusele. Kuhleliwe, kubhaliwe, kuhamba kancane. Akuvinjelwe. Uhlaka lwakhelwa ukuvumela ingcebo esemthethweni ukuthi isabalale phesheya ngendlela ehlelekile, kanti iSabelomali sika-2026 simane sengeza i-Bitcoin ohlwini lwezinto oluzozidedela ngemibandela efanayo nakho konke okunye. Yilelo phethini okufanele ulibambe kuwo wonke umsindo. I-Bitcoin ingeniswa ngaphakathi etendeni, nemithetho yetende inamathiselwe, kunokuba iphushelwe ngaphandle kwalo.
Imithethonqubo ehlongozwayo eyalandela iSabelomali
ISabelomali kwakuyisimemezelo. Imininingwane yafika ngomhla ka-17 Ephreli 2026, lapho i-National Treasury ishicilela khona imithethonqubo ehlongozwayo ye-Capital Flow Management kwiGazethi kaHulumeni No. 7375, ukuthathelwa indawo okuphelele kohlelo lwango-1961 kunokuba kube yisichibiyelo salo, evulelekile ukuphawulwa kuze kube ngumhla ka-18 Meyi 2026. Yilapha lapho udaba lushintsha khona lusuka ekuhleleni nje luye entweni okufanele ifundwe ngokucophelela, ngoba lo mqulu ohlongozwayo ungumbhalo womthetho wokuqala waseNingizimu Afrika othatha isimo se-bearer se-Bitcoin ngokuqinile futhi obhalela ukhiye umthetho kunokuba ubhalele ibhange. Imali enkulu ichazwa kabusha ukuze ifake ama-crypto asset ngokusobala. Noma ubani othola ukuphatha noma ukulawula i-crypto engaphezu komkhawulo obekiwe kuzomele ayibike ngokubhala ku-National Treasury zingakapheli izinsuku ezingu-30, esho ukuthi yatholakala nini, kanjani nakuphi. Ukukhipha i-crypto ezweni ngaphandle kwemvume kuzobe kuvinjelwe, kanjalo nokukhokhela ongesona isakhamuzi ngayo, kanti izijeziso zifinyelela enhlawulweni engafika ku-R1 million noma inani le-crypto ethintekayo, noma yikuphi okukhulu, kanye nokuboshwa iminyaka efika kwemihlanu.
Izici ezimbili zifanelwe ukunakwa kwakho ngaphezu kwazo zonke ezinye.
Esokuqala umkhawulo, lo mqulu ohlongozwayo ongawuqukethe ngamabomu. Umthethonqubo 31 ushiya inani kuNgqongqoshe wezeziMali ukuba alibeke kamuva ngesaziso kwiGazethi. Ku-R10 million uqondise ekugelezeni okukhulu. Ku-R100,000 ufinyelela kubongi abavamile abanesikhundla esincane saphesheya. Wonke umuntu owaphawula wayephawula engaboni.
Esesibili umshini wokuthengisa ngenkani nokunikela ngezikhiye. Umqulu ohlongozwayo uvumela i-National Treasury noma umthengisi ogunyaziwe ukuthenga i-crypto ebikiwe futhi ayikhokhele ngerandi ngenani lemakethe, futhi uphoqa umnikazi ukwenza konke okudingeka ngokufanele ukuyinikela. Bese, ngaphansi komthethonqubo 25(5), lapho i-crypto idliwa khona umbuso, umnikazi wangaphambili kumele lapho ecelwa ngokubhala anikeze amaphasiwedi, ama-pin noma amakhodi adingekayo ukuze i-National Treasury ikwazi ukufinyelela nokulawula izinhlamvu. Kwisheya elibhalisiwe lokho kuyinto nje yokuphatha. Kwi-asethi ye-bearer kungukudliwa uqobo. Amagama okubuyisela akulona iphasiwedi olisetha kabusha uma ingxabano isixazululiwe, ngakho ukuwanikela kungukunikela nge-Bitcoin. Ngichaza leyo ndlela kabanzi ku- ingosi yami nge-Bitcoin njenge-asethi ye-bearer.
Umqulu ohlongozwayo usengumqulu ohlongozwayo. Ukuphikisa kwemboni kube nomsindo, nezinselelo zomthethosisekelo kanye nempikiswano ebukhali yokuthi ukudluliswa kokuzigcinela akufanele kuphathwe njengokugeleza kwezikhungo. Umbhalo wokugcina ungathamba. Inkomba ngeke.
Zihlalaphi izinkantolo ngaphansi kwakho konke lokhu
Isizathu sokuthi i-National Treasury ifinyelele emyalweni wukuthi izinkantolo azikwazanga ukuvumelana. Ngomhla ka-15 Meyi 2025 iNkantolo eNkulu ePretoria yanquma, ecaleni le-Standard Bank, ukuthi i-crypto ayiyona imali futhi ayiyona imali enkulu ngaphansi kwemithethonqubo yango-1961, inesizathu sokuthi i-asethi engenagunya elilodwa, engaphatheki iwela ngaphandle kwezincazelo ezabhalelwa izinsiza ezidlula emabhange. Leso sahlulelo sihlala singumthetho osebenzayo kuze kube yilapho inkantolo ephakeme sichitha khona. Bese ngomhla ka-1 Juni 2026 enye iNkantolo eNkulu, ecaleni le-Mangundhla, yanquma okuphambene ngamaqiniso ayephambi kwayo futhi yabiza isahlulelo sangaphambili ngokuthi siyiphutha ngokusobala.
Izinkantolo ezimbili, umnyaka phakathi, ezinikeza izimpendulo eziphambene embuzweni oyisisekelo kunayo yonke i-asethi engabhekana nawo. Lokho akukona ukungakwazi kwezinkantolo. Yilokho okwenzekayo lapho incwadi yemithetho eyabhalelwa izinsiza ezidlula emabhange ihlangana ne-asethi engenalo nhlobo ibhange ekugelezeni.
ISabelomali nemithethonqubo ehlongozwayo yindlela ye-National Treasury yokuxazulula impikiswano ngaphandle kokulinda ukudluliswa kwecala. Uma umthetho uqamba i-Bitcoin njengemali enkulu, akusabalulekile kakhulu ukuthi ijaji linquma ukuthi amagama ango-1961 ayesho ukuthini. Inkomba yohambo kuwo wonke amagatsha wukuhlanganiswa, hhayi ukuvinjelwa, okuyiphuzu engilokhu ngibuyela kulo namaklayenti anovalo.
Yini ebengizoyenza ngempela
Kubaningi ababambi baseNingizimu Afrika abathenga futhi bagcine i-Bitcoin yabo ekhaya, ushintsho lwansuku zonke lucishe lungabonakali. Uhlaka lumane lukhulise isigaba esinegama lakho kuso.
Konke kuyashintsha ngomzuzu izinhlamvu zeqa ngawo umngcele. Yilapho amarekhodi ewina khona.
Iseluleko sami asikhazimuli futhi ngisinikeza masonto onke. Thenga ngomzila wasekhaya onelayisensi ukuze umkhondo wokuthola uhlanzeke kusukela kwirandi lokuqala. Gcina i-Bitcoin yakho endaweni lapho umthetho wesikhathi esizayo ungahlonishwa khona kunokuba ube sendaweni ekushiya usengozini yawo. Uma uke wadlulisa isikhundla siye phesheya, bhala isabelo osisebenzisile nenani ngerandi ngalolo suku, ngoba ifayela olaqala ngaphambi kokuba kube khona okubuzayo yilo ifayela elikugcina uzolile lapho sebebuza. Uma ufuna leso sakhiwo sakhiwe kahle, bhukha ingcingo yesakhiwo se-Bitcoin futhi sizokala isikhundla sakho ngokwemithetho njengoba imi manje nanjengoba iya khona.
Imibuzo evame ukubuzwa
Ingabe iSabelomali sika-2026 sisho ukuthi i-Bitcoin manje ithelwa ngokwehlukile?
Cha. Ushintsho lweSabelomali lumayelana ne-exchange control, hhayi intela. I-SARS isivele iphatha i-Bitcoin njenge-asethi engaphansi kwentela yenzuzo yemali enkulu, noma njengemali engenayo lapho umsebenzi ukufanele lokho, kanti lokho akunyakazanga. Okwenziwa yiSabelomali wukungenisa ukudluliswa kwe-Bitcoin okweqa imingcele ohlakeni lokugeleza kwemali enkulu, oluhlala eceleni kwemithetho yentela kunokuba luyithathele indawo.
Ngingayisebenzisa i-SDA yami ka-R2 million ukuthenga i-Bitcoin ku-exchange yangaphandle?
Ngokwemigomo, yebo. I-Single Discretionary Allowance yisabelo esibalwa ngerandi sokudlulisela phesheya, kanti ukusisebenzisa ukuthenga i-Bitcoin kwipulatifomu yangaphandle kungukusetshenziswa kwaleso sabelo. Inqubo eqondile isalungiswa ngokusemthethweni emithethonqubeni elandela iSabelomali. Uma imithetho yokugcina isishicilelwe, indlela yokusebenza izocaca.
Iyini i-pin ye-Tax Compliance Status futhi ngiyayidinga yini?
I-pin ye-Tax Compliance Status yisiqinisekiso esivela ku-SARS sokuthi izindaba zakho zentela zisesimweni. Iyadingeka ukufinyelela i-Foreign Capital Allowance ka-R10 million ngonyaka, ngenqubo ye-Approval for International Transfer. Ngaphandle kwayo ukhawulelwe ku-SDA ka-R2 million ekudluliseleni phesheya. Uma izimbuyiselo zakho zihambisana nesikhathi, ukuthola i-pin nge-SARS eFiling kulula.
Ihlongozani imithethonqubo ehlongozwayo ye-Capital Flow Management?
Yashicilelwa ngomhla ka-17 Ephreli 2026 ukuthatha isikhundla semithethonqubo yango-1961, le mithethonqubo ehlongozwayo ichaza kabusha imali enkulu ukuze ifake i-crypto, idinga isibiko esibhaliwe ku-National Treasury zingakapheli izinsuku ezingu-30 zokuthola i-crypto engaphezu komkhawulo uNgqongqoshe ongakawubeki, ivimbela ukudlulisela i-crypto phesheya ngaphandle kwemvume futhi, lapho izinhlamvu zidliwa khona umbuso, ifuna amaphasiwedi noma amakhodi azilawulayo. Izijeziso zifinyelela ku-R1 million noma inani le-crypto, noma yikuphi okukhulu, kanye nokuboshwa iminyaka efika kwemihlanu. Kusengumqulu ohlongozwayo, ngakho bheka inguqulo yokugcina. Bhukha ingcingo ukuxoxa ngesikhundla sakho.
Dlulisa i-Bitcoin ngaphakathi kwemithetho.
I-SimplB isiza abaseNingizimu Afrika ukuhlela amarekhodi e-Bitcoin ahambisana nomthetho, ukugcinwa nokuhlela okweqa imingcele, njengoMmeleli Ngokomthetho we-CAEP Asset Managers (FSP 33933).
Bhukha ingcingo yokudingida