I-Bitcoin kanye Nomshuwalense Wokuphila: Inkinga Yokuxhumanisa Izindlu Abantu baseNingizimu Afrika bayaphuthelwa

Iningi lezinhlelo zezindlu engizibonayo ziphatha umshwalense wempilo kanye neBitcoin sengathi zihlala kumaplanethi ahlukene. Abakwenzi. One pays out in days and the other can take two years to reach an heir, and the gap between those two speeds is where families get hurt. Lesi siqeshana simayelana nokuvala lelo gebe, ngakho-ke inqubomgomo yenza umsebenzi ewufanele buthule: ukukhokha izikweletu zefa ngaphandle kokuthengisa ngenkani izinhlamvu zemali ukuze kuqoqwe ukheshi.

Amafa amabili, isivinini esibili

Uma ushona, lowo ohlomulayo omqoke kumshwalense wokuphila ukhokhelwa umshwalense ngokuqondile. Imali etholwayo ayihlali endaweni yakho, ungangeni umugqa ngemuva komabi wamafa futhi ungalindi uMphathi Wenkantolo Ephakeme. Ngokwenza imali ifika ngamaviki. Lelo jubane liyiphuzu lethuluzi futhi isizathu liwusizo kakhulu endaweni ye-Bitcoin.

I-Bitcoin ayiziphathanga kanjalo.

Iphethwe egameni lakho lomuntu siqu, iwela ngokuqondile endaweni yakho okufanele uyikhokhe. Akukho ukuqokwa kwabahlomulayo esikhwameni sesikhwama semali ngendlela okwenziwa ngayo kupholisi, ngakho izinhlamvu zemali zihamba kuphela lapho umabi wefa ezihambisa, futhi umabi wefa akanyakazi lutho kuze kube yilapho ifa liyaqedwa. Ukuvala ifa laseNingizimu Afrika akuvamile ukuba kusheshe. Izinyanga eziyisithupha zinethemba futhi iminyaka emibili ijwayelekile uma sekukhona noma yikuphi ukuxaka, ipulazi, intshisekelo yebhizinisi, i-akhawunti ye-offshore noma umndeni ongavumelani.

Lapho amarandi aya khona ngempela

Beka isimo phansi, ngoba izinombolo ziyilokho abantu abazizwayo. Kusho umsunguli we-software waseKapa efa ephethe u-R5 million we-Bitcoin othengwe ngo-R1 million, kanye no-R40 million wezinye izimpahla. Ifa lilinganiselwa ku-R45 million. Intela yezindlu ifinyelela ku-20% ngaphezu kwesamba esincishisiwe sika-R3.5 million bese sikhuphuka ngo-25%, ngakho intela yefa elinjalo ifinyelela ezigidini futhi ifaneleka ngaphambi kokuba izindlalifa zibone isenti.

Ukufa nakho kubangela ukuchithwa okucatshangwayo. I-SARS ithatha i-Bitcoin njengethengiswa ngenani lemakethe ngosuku lokufa, ngakho u-R4 wezigidi zokukhula uba inzuzo yemali futhi intela yenzuzo yemali ihlolwa ngayo nakuba lungekho uhlamvu lwemali oludayisiwe ngempela. I-Bitcoin iyimpahla yezinjongo zentela yaseNingizimu Afrika, okusho ukuthi intela yezindlu, i-CGT kanye nentela yeminikelo ingathinta konke kuye ngokuthi izinhlamvu zemali zihamba kanjani. Umabi wefa ube esethatha inkokhelo yokuphatha ifa. Umsebenzi, i-CGT nesitaki sezimali, futhi zonke zikhokhwa ngamarandi.

Nalu ugibe. Umabi wefa angakwazi ukukhokhela lezo zikweletu kuphela ngemali engase ifinyelelwe ifa. Uma ifa licebile futhi limpofu ngemali kuyilapho ingxenye enkulu yomcebo kuyi-Bitcoin umabi wefa angase angafinyeleli, ukushoda kufanele kuvele endaweni ethile. Ngokuvamile livela ekuthengiseni izimpahla ngokushesha, kunoma yikuphi ukunikezwa kwemakethe ngosuku, okuyinto nge-Bitcoin ngokuqondile lapho ufuna okungenani ukuba umthengisi ophoqelelwe.

Inqubomgomo ivalvu yokucindezela

Lena ingxenye enhle kakhulu, futhi iwuhlelo lwakudala lwezindlu kudala ngaphambi kokuthi luhlanganise noma yini ngeBitcoin. I-life policy yi-liquidity efika ngokushesha nangaphandle kwefa. Linganise futhi ulihlosele ngamabomu bese kuba ukheshi okhokhela intela yefa kanye nezimali ezikhokhwayo, okusho ukuthi alukho uhlamvu lwemali okufanele ludayiswe ngenkani ukuze kunyuswe irandi.

Khetha inqubomgomo ukuze ingxenye echaziwe itholakale efeni noma ku- testamentary trust ezohlangabezana nomsebenzi, i-CGT kanye nezindleko zomabi wefa, futhi ushiye ibhalansi koshade naye noma izingane zakho. Ifa likhokhela izikweletu zalo ngemali yomshwalense ebonakale ngesonto lesithathu. I-Bitcoin ihlala iphelele. Izindlalifa zakho ziyifa lezinhlamvu zemali kunenzuzo yokudayiswa komlilo, futhi uma zikhetha ukubamba, zibamba umugqa wesikhathi wazo esikhundleni somabi wefa.

Lokho kuwukusebenzisana. Izinsimbi ezimbili zenza umsebenzi owodwa.

Ngiyibuke idlala enye indlela. Umabi wamafa obhekene nomnqamulajuqu womsebenzi ongenayo imali elungile efinyelela entweni ewuketshezi kakhulu endaweni, futhi muva nje leyo ngokuvamile kuyi-Bitcoin, ethengiswa ngoLwesibili oluthule kunoma yini engase itholwe yincwadi yoku-oda kunanoma yini efana nenani elifanele. Umndeni ulahlekelwa kabili: kanye ngentengo futhi kanye phezulu kwezinhlamvu zemali ezazingakaze ziqonde ukuhlukana nazo. Inqubomgomo ehloswe ngokufanelekile yenza lokho kuthengiswa kungadingeki, okuwumshuwalense oshibhe kakhulu oyoke uwuthenge ngesikhathi sakho esibi.

Iphutha engilibonayo inqubomgomo elinganiswe kuphela esikhundleni semali engenayo noma ukusula ibhondi, kungekho mugqa ohlelweni lwentela i-Bitcoin ngokwayo ezoyikhiqiza ekufeni. Izinhlamvu zemali sezibongile, inzuzo okubonakala sengathi yokulahlwa ikhule nazo, futhi inqubomgomo eyayibukeka yanele eminyakeni emihlanu edlule ayisawufaki umthethosivivinywa odalwa izinhlamvu zemali manje. Inqubomgomo ehloselwe ukukhokha imali kufanele ilinganiswe ngokumelene nesikweletu, futhi nge-Bitcoin isikweletu siyahamba.

I-Liquidity iyize uma izinhlamvu zemali ziboshwe

Konke lokhu kucabanga ukuthi umenzi wefa angafika kuBitcoin. Ngokuvamile abakwazi.

Ukwehluleka engikubona kakhulu isikhwama sehadiwe esisefeni esinomusho wembewu okungekho muntu ophilayo ongawuthola. Inkantolo ingaqinisekisa izindlalifa zakho. Ayikwazi ukususa ukubhala ngokhiye oyimfihlo, futhi alikho ibhange ongalushayela ucingo. Uma ulwazi lokuthola kabusha lungasekho, izinhlamvu zemali azikho, nokho umabi wefa kusamelwe azise imakethe ngomsebenzi wezindlu ngoba SARS intela impahla ukuthi umndeni ungafinyelela kuyo noma cha. Ifa likweleta iBitcoin elingasoze lalithengisa. Ngimise leyo modi yokwehluleka ngokugcwele kwenzekani ku-Bitcoin yakho uma ushona, ngakho-ke ngeke ngikuphinde lapha, kodwa i-engeli ye-liquidity ikwenza kube kubi kakhulu: yona kanye leyo mpahla ehloselwe ukuxhasa ingxenye yefa iba yisibopho inqubomgomo manje okufanele izikhokhe iyodwa.

Ukugcinwa okubhalwe phansi, okunelayisensi kuvala lowo mnyango. Lapho izinhlamvu zemali zihlezi esakhiweni, umhlinzeki angasiza ekuphumuleni ngokumelene nesitifiketi sokufa kanye negunya lenkantolo elifanele, umabi wefa unomzila wokuzilinganisela, azidlulise noma azithengise ngendlela efanele, futhi lokho kutholakala futhi kuwumthombo wemali. Ukuhlelwa kwe-multisig oku-2-of-3 kunamandla namanje, ngoba ikhoramu isinda ekufeni okukodwa: abanikazi bokhiye abasindile basengakwazi ukufinyelela izinhlamvu zemali ngenkathi kwakhiwa ukhiye wokubuyisela. Leyo imodeli engiyisebenzisayo ku-SimplB Vault, enokhiye ababili kumadivayisi akho kanye nokhiye wokutakula ophethwe ngaphansi kwe-CAEP Asset Managers (FSP 33933). Ikugcina ulawule ngenkathi uphila futhi igcina izinhlamvu zemali zifinyeleleka uma ungekho.

Ukuthi izinhlamvu zemali zingezakwamanye amafa

Kunempendulo yesakhiwo esusa inkinga enkulu emsukeni. I-trust ayifi.

I-Bitcoin ephethwe ngokufanelekile yi-trust ayilokothi ingene endaweni yakho okufanele uyikhokhe, ngakho ukufa kwakho akubangeli intela yefa noma ukuchithwa kwalezo zinhlamvu zemali, futhi abaphathiswa bangaqhubeka bebambe noma besabe ngaphandle kokulinda iNkosi. Khomba inqubomgomo yempilo endaweni efanayo bese kokubili kuqondana ngokuhlanzekile: imali etholwayo ifika ngendlela efanele yentela, i-trust ihlangabezana nanoma yiziphi izibopho ezikhona futhi i-Bitcoin iqhubeka ngaphakathi kwesakhiwo esakhelwe ukudlula wena. Emndenini ocabanga ezizukulwaneni ngezizukulwane ukuthi ukuqhubeka kuyisimo sonke, futhi ngenza imephu ye-arc ende yayo i-Bitcoin yamazwe amaningi.

I-trust ayimahhala futhi ayiwona wonke umuntu. Iphethe izindleko zayo zentela kanye nokuphatha kwangempela, nokuthi noma izinhlamvu zemali kufanele zihlale ku-trust, inkampani noma igama lakho siqu kuyisinqumo esinezingxenye ezimbalwa ezihambayo. Ngikala labo ngokumelene nomunye lapho i-Bitcoin yakho kufanele ihlale khona, futhi amagama adingwa itayitela ngaphambi kokuba i-trust ikwazi ukuphatha izinhlamvu zemali ngokusemthethweni iyisihloko sayo, esihlanganiswe kuyo lokho okudinga ukukusho nge-Bitcoin isenzo sakho sokuthembela. Iphuzu lanamuhla lincane. Uma i-Bitcoin ihlala ngaphandle kwefa lakho, inkinga ye-liquidity iyanyamalala kakhulu, futhi inqubomgomo ingakhonjwa kunoma yini esele esikhundleni sokukhokhiswa intela yezinhlamvu zemali okwakungafanele neze iyihlenge.

Okufanele akutshelwe umenzi wefa

Akukho kulokhu okusebenzayo uma umenzi wefa eqagela. Uhlelo luphila noma lufa lubhalwe phansi.

Umabi wefa kudingeka azi ukuthi iBitcoin ikhona, ihlezi kuphi, ifinyelelwa kanjani nokuthi inqubomgomo ihloselwe ukusebenzisana kanjani nayo. Ithuluzi elijwayelekile liyincwadi yomyalelo egcinwe eceleni kwencwadi yefa: isho izinto ezibanjiwe kanye nokuhlelwa kokugcinwa, ichaza ukuthi obani abanikazi bokhiye futhi ikhombe lapho kugcinwa khona ulwazi lokuthola kabusha, konke ngaphandle kokubhala ibinzana lembewu emqulwini womthetho okopishwayo futhi usakazwe. Incwadi yefa kanye nokuqokwa kwenqubomgomo kubekiwe inhloso. Incwadi yeziqondiso inika umenzi wefa ibalazwe. Kugcine kumanje, ngoba inguqulo ebhalwe izikhwama ezintathu kanye nenqubomgomo eyodwa edlule yimbi kakhulu kunokungenamsebenzi.

Phatha izinhlamvu zemali njengempahla eyifa

I-Bitcoin ifanelwe isiyalo esifanayo endaweni njengesakhiwo esiqashisayo noma iphothifoliyo yesabelo. Ubani olifayo, libhekwa kanjani inani, lifinyelelwa kanjani, ingabe ikhona yini imali yokukhokha intela eyibangelayo nokuthi indlalifa ingakwazi ngempela ukuyiphatha kuyimibuzo evamile yefa, futhi i-Bitcoin iphendula yonke ngokuhlukile kuphela ngoba iyimpahla ephethe intela yentela futhi ayikho ideski losizo.

Iseluleko sami kuklayenti elinohlamvu lwemali olunengqondo kanye nenqubomgomo ephusile sicacile. Ungakuhleli kokubili ngokuhlukana. Usayizi wenqubomgomo ngokumelene nentela i-Bitcoin ezoyikhiqiza ekufeni, hhayi nje ibhondi, futhi uyiphakamise ukuze imali yezimali ihlale lapho isikweletu sihlala khona. Thola ukuthi ukugcinwa kubhalwe phansi ukuze izinhlamvu zemali zifinyeleleke, futhi unqume ngokwethembeka ukuthi zingezabo yini indawo yakho. Intambama eyodwa enommeli we-fiduciary kanye nohlelo lokugcina olusebenza ngempela luzobiza ingxenyenamba yokuthengiswa okuphoqelekile okukuvimbelayo. Uma ufuna leyo ngxoxo nomuntu obuyisele isikhwama semali eningi futhi ufunde izincwadi ezimbalwa zokuthembana, ngihlala kulelo cala letafula.