I-Bitcoin-Only vs Iphothifoliyo ye-Crypto: Yini Eyenza Umqondo Kubatshalizimali baseNingizimu Afrika

I-SimplB yenza into eyodwa. Ngisiza abantu baseNingizimu Afrika ukuthi bathenge i-Bitcoin, bayivikele ngendlela efanele futhi bayihlele ngendlela enengqondo. Ayikho i-Ethereum kumenyu, ayikho i-Solana, ayikho ubhasikidi wamathokheni angamashumi amabili alinganiswe kabusha ngekota. Abathengi abangahle babuze, ngokunengqondo, ukuthi ngabe lokho kuyifilosofi noma umkhawulo. Impendulo eqotho ihamba ngokuthi lezi zimpahla zizalwa kanjani, zilawulwa ngubani, kwenzekani kwabaningi bazo nokuthi i-SARS yenzani kuwe ngenkathi uzungeza phakathi kwazo.

I-Bitcoin nama-altcoins awawona isigaba sempahla efanayo

Igama elithi crypto lenza umonakalo omkhulu lapha. Ifaka i-Bitcoin nezinkulungwane zamanye amathokheni ngaphansi kwesihloko esisodwa, indlela imenyu efaka ngayo amanzi kanye ne-brandy ngaphansi kweziphuzo. I-Fidelity -edijithali Assets, hhayi inhlangano enikezwe isasasa lasendle, ibeka umehluko ngokucacile ocwaningweni lwayo lwe-Bitcoin First: abatshalizimali kufanele babambe izinhlaka ezimbili ezihlukene, eyodwa ehlola i-Bitcoin njengenzuzo yemali evelayo kanye neyesibili ephatha yonke enye impahla yedijithali njengokubheja kwesitayela semali eyibhizinisi. Ngemuva kweminyaka eyishumi kule makethe angikayitholi imephu yomusho owodwa ongcono wayo.

Umehluko uqala ekuzalweni. I-Bitcoin yethulwa ngoJanuwari 2009 kungekho nkampani ngemuva kwayo, akukho ukuthengiswa kwangaphambili futhi akukho sabelo kwabangaphakathi. Umdali wayo ongaziwa wenze imigomo efanayo neyawo wonke umuntu, wabe esehamba futhi engashiyi lutho ngaphandle kwekhodi evuliwe kanye nabantu abakhetha ukuyiqhuba. Umkhawulo wokunikezwa kwezinhlamvu zemali eziyizigidi ezingu-21 awukaze uhanjiswe. Noma ubani angaqinisekisa lonke uhlelo kuhardware ebiza izinkulungwane ezimbalwa zamarandi. I-Fidelity ichaza ukusungulwa kokushoda kwedijithali njengomcimbi wesikhathi esisodwa, iphikisa ngokuthi noma iyiphi inzuzo yemali yakamuva izobe isungula kabusha isondo. Ngichaza oomakhenikha ku ukuthi i-Bitcoin empeleni iyini.

Yonke enye imali yazalwa ngendlela ehlukile.

Thatha i-Ethereum, ngoba iyimbangi enamandla kakhulu ngakho-ke ukuqhathanisa okuhle kakhulu. Yaqala njengephepha elimhlophe elinomsunguli obonakalayo, u-Vitalik Buterin, ngo-2013. Yaqala ngokuthengisa ngaphambili, okusho ukuthi ingxenye enkulu yokuhlinzekwa yayikhona ngaphambi kokuba umphakathi uthole uhlamvu lwemali olulodwa. Indlela yayo yokuvumelana yathathelwa indawo i-wholesale ngoSepthemba 2022 lapho inethiwekhi isuka ebufakazini bomsebenzi yaya ebufakazini besiteki. Inqubomgomo yayo yokukhishwa ilungiswe izikhathi ezingaphezu kwesisodwa ngesinqumo esihlanganisiwe. Akukho kulokhu okwenza ubuchwepheshe be-Ethereum bububi. Kwenza i-Ethereum inkundla ephethwe, ikhompuyutha yomhlaba esabalalisiwe ngencazelo yayo, eqhutshwa abantu abangashintsha imithetho othenge ngaphansi kwayo. Ukuqalisa isiqinisekisi kudinga isiteki esingu-32 ETH, esinye sezizathu ezenza isiqhathaniso sika-Fidelity siveze ukuthi sisendaweni eyodwa kakhulu kune-Bitcoin.

Inzuzo yemali ayikwazi ukuba nethimba labaphathi. Umzuzwana nje, uthemba iqembu kunemali.

Kungani ubhasikidi wamathokheni ungewona ukuhlukahluka

Ukuhlukahluka kunencazelo enembile. Uphethe izimpahla eziphendula ngendlela ehlukile ezehlakalweni ezifanayo, ukuze ubuthakathaka kokunye buvinjwe amandla kwenye. Izabelo zikhokhiswa amabhondi. Ingozi yendawo ixazululwa phesheya kolwandle. Umqondo uzuza ukugcinwa kwawo lapho ukuhlobana kuphansi.

Obhasikidi be-Crypto bayehluleka lokho kuhlolwa ngesikhathi esibalwe ngaso. Lapho i-Bitcoin idonsela phansi kanzima, ama-altcoins ayilandela phansi futhi ngokuvamile aqhubekele phambili, ngoba ayisisho esiphezulu se-beta somuzwa ofanayo. Lokhu ngikubuke kukho konke ukuhlehla kusukela ngangena emakethe ngo-2016. Ubhasikidi obubukeka uhlukene uma ukhuphuka uziphatha njengesikhundla esisodwa esiyehlayo. Pho uhlamvu lwesibili lwesibili lukuvikela luni ngempela?

Kukhona inkinga yesibili yokuthi izinombolo zokuxhumanisa azisho lutho. Ukwengeza i-altcoin akumane nje kungeze ukuchayeka kwentengo. Yengeza izinqumo zomsunguli, umgcinimafa wesisekelo, ithuba lokuguqulwa kwephrothokholi, ithuba lomlawuli obiza ithokheni ngokuvikeleka okungagunyaziwe. I-Bitcoin ayithwali nayinye yalezi ngoba akekho umkhiphi ongamkhokhisa futhi alikho iqembu elenza izithembiso. Ubhasikidi akazinciphisi lezo zingozi. Iwaqoqa.

Ukwenza uzimele kwe-Fidelity kuyasiza futhi lapha. Ukwabela amathokheni angewona ama-Bitcoin, abacwaningi bayo babhala, kwenziwa kahle nge-venture capital mindset, izikhundla ezincane kuwo wonke amagama amaningi ngokulindela ukuthi iningi lizohluleka futhi elilodwa noma amabili angeke aphumelele. Lokho kuwumsebenzi osemthethweni. Futhi akufani nokulondoloza. Asikho isikhwama sebhizinisi esingazichaza njengengcebo ehlukahlukene enobuso obuqondile.

Iphuzu elilodwa alivamile ukufinyelela kumakhasimende: awudingi ama-altcoins ukuze ubambe iqhaza ekukhuleni komkhakha. Ucwaningo olufanayo luphawula ukuthi i-Bitcoin isalokhu iyindlalifa ecacile yokugeleza endaweni yonke yempahla yedijithali. Imali ifika ekhasino futhi iningi layo lihlala, ngokuhamba kwesikhathi, endaweni engaphansi.

Ukuhlukahluka kwangempela kuhlala ngaphandle kwe-crypto ngokuphelele: izabelo, impahla, amabhondi, mhlawumbe igolide elithile, i-Bitcoin yenza umsebenzi owodwa phakathi kwezinye. Ngawuvula lowo msebenzi Indawo yeBitcoin kuphothifoliyo ehlukahlukene.

Yeka ukuthi umjikelezo ogcwele wenzani kuma-altcoins

Ibhodi yabaphambili ixoxa indaba kangcono kunanoma iyiphi ingxabano. Abacwaningi be-Fidelity baqhathanisa izimpahla eziyishumi ezibaluleke kakhulu ze-crypto zango-2017 nohlu olusuka ku-2023. I-Dash, i-Monero, i-Augur, i-MaidSafeCoin, i-Steem, i-Ethereum Classic: bonke bahlezi ku-2017 top ten futhi bonke base bewile ezigabeni eminyakeni eyisithupha kamuva, baxoshwa ngamagama amasha afana ne-barely yokuqala ne-Cardano ekhona kuqala. I-churn ayilona iphutha ezimakethe ze-altcoin. Kuyisici sabo esibachazayo, njengoba ikhodi yomthombo ovulekile ikopishwa kancane futhi yonke imithetho elandelwayo ihlezi esiqhudelaneni esisodwa esixhaswe kangcono kude nokungahambisani.

Ngisho nabalingisi beBitcoin uqobo bayakufakazela leli phuzu. I-Bitcoin XT ne-Bitcoin Classic, izimfoloko ezazithembisa izinkokhelo ezisheshayo nezishibhile, zehlulekile ngokuphelele. I-Bitcoin Cash isaphila ngenani lemakethe elincane izikhathi ezingaphezu kwekhulu kune-Bitcoin. Imakethe yahlola izinguqulo ezithuthukisiwe zohlamvu lwemali olufanayo futhi yanqaba ukunikezwa.

Amanethiwekhi ezezimali nawo ayagxila. Abasebenzisi abaningi baletha imali eyengeziwe kanye nokuvikeleka okwengeziwe, okuheha abasebenzisi abaningi, iluphu i-Fidelity ichaza njengonqobayo-thatha-konke oguqukayo. Wonke umuntu ogcina inani kunethiwekhi yezimali ukhetha uhlangothi kulowo mqhudelwano, kuyavunywa noma cha. Lo mqhudelwano ubunomholi ofanayo kusukela ngo-2009 futhi akekho obambe iqhaza osondele ekuholeni.

Bese kuba neziphetho okungekho muntu ozihlelayo. NgoMeyi 2022 i-Terra, ngaleso sikhathi eyayingenye yezimpahla eziyishumi ezibaluleke kakhulu ze-crypto emhlabeni, yawa yangaba nalutho phakathi nesonto futhi yasula amashumi ezigidigidi zamadola okonga. Ezinyangeni eziyisithupha kamuva i-FTX, ukushintshaniswa negama layo emotweni ye-Formula 1 kanye nenkundla yaseMiami, yafaka isicelo sokuqothuka. Awukho umcimbi owawudinga ukuthi i-Bitcoin yehluleke. Zombili zazidayiselwe abatshalizimali abajwayelekile njengezinhlobonhlobo.

Amathuna awakhangisi.

I-SARS kanye ne-FSCA bayibona kanjani iphothifoliyo ye-crypto

Qala ngokukhipha amalayisense. Ngo-Okthoba 2022 i-Financial Sector Conduct Authority (FSCA) yamemezela ama-crypto assets njengomkhiqizo wezezimali ngaphansi koMthetho Wezeluleko Zezezimali kanye Nomthetho Wezinsizakalo Eziphakathi (FAIS) Act, owadonsela izeluleko nezinsizakalo zokuxhumanisa kubo ohlelweni olufanayo lwamalayisense olulawula zonke ezinye izinsizakalo zezezimali. Ngisebenza njengommeleli wezomthetho we-CAEP Asset Managers (FSP 33933). Ephepheni isigaba selayisense sihlanganisa izimpahla ze-crypto ngokuvamile. Empeleni isibopho siwela kumuntu, ngoba umeluleki kufanele awuqonde kahle umkhiqizo ukuze akwazi ukuma ngemuva kwawo eminyakeni eminingi ngemva kokuphela kwengxoxo.

Ngingakwazi ukuthwala leso sibopho nge-Bitcoin. Imithetho yayo ayikashintshi kusukela ngo-2009, ubungozi bayo buhlala eminyakeni eyishumi nesikhombisa yerekhodi lomphakathi futhi akukho lutho ngakho kuncike kumsunguli ogcina izithembiso. Angikwazanga ukukuthwala ngokwethembeka kubhasikidi ojikelezayo wamaphrothokholi izinqubomgomo zawo zezimali ezinqunywa kumakholi kanjiniyela. Abantu abambalwa kakhulu abangakwazi, okufanele balolonge ukuthi unikeza isisindo esingakanani noma ubani othengisa iphothifoliyo yamathokheni ngokuzethemba okuphelele.

Bese ifika i-SARS, ibambe ingxenye cishe wonke umuntu ayibukeli phansi.

Umthetho wentela waseNingizimu Afrika ubheka ukulahlwa kwempahla ye-crypto njengomcimbi okhokhiswa intela futhi ukulahlwa kuhlanganisa nokushintshanisa ithokheni eyodwa kwenye. Hambisa u-R200,000 usuka ku-Bitcoin uye ku-altcoin futhi usulahle i-Bitcoin ngenani lerandi langalolo suku. Inzuzo iyacaca ngokushesha, irekhodi kufanele ligcinwe futhi intela izoba ngamarandi, nakuba lingekho irandi elake lathinta i-akhawunti yakho yasebhange. Manje cabanga ngephothifoliyo elinganisa kabusha kumathokheni ayishumi njalo ngekota. Konke ukuzungezisa kuwukulahla. Wonke umvuzo obalulekile kanye ne-airdrop iyimali engenayo okufanele ilinganiswe ngosuku efika ngalo. Iphothifoliyo ye-crypto ehlukahlukene, phakathi kwezinye izinto, ingumshini wokukhiqiza imicimbi yentela, iningi lawo umnikazi walo angalokothi alobe. Ngihlanganise inguqulo evame kakhulu yalesi sicupho iphutha lentela ye-stablecoin.

Umnikazi we-Bitcoin kuphela othenga futhi ophethe uphila impilo yentela eyisicefe. Okuthengiwe kungena ngemvume, akukho lutho olulahlwayo futhi akukho okuzogqama kuze kube yilapho ukuthengiswa kwenzeka ngempela. Ukubhoreka kulinganiswa kancane ngentela.

Icala elithembekile lokubamba ama-altcoins

Kunamacala aqotho ngakolunye uhlangothi futhi ngifuna ukuwasho ngendlela efanele. Umthuthukisi owakha phezu kwenethiwekhi futhi azuze izinkokhelo kuthokheni yakhe ubamba lolo phawu ngendlela umlimi aphatha ngayo iveni, njengempahla esebenzayo kunethisisi yokutshala imali. Umtshali-zimali osezingeni eliphezulu ofuna ukubhejwa ngendlela yebhizinisi, elingana nemali ukulahlekelwa kwayo sekukonke kungashintshi lutho ngempilo yakhe, angakwamukela ngamehlo avulekile. U-Ethereum no-Solana babonise ukuthi inkundla eheha abathuthukisi nabasebenzisi ingakha inani langempela. Akukho kulokhu okungiphatha kabi.

Engihlehlisa kukho wuhlaka. Lezo yizinqumo zebhizinisi futhi zifanele ucwaningo lwebanga lebhizinisi kanye nezabelo ezilingana nebhizinisi. Akulona isu lokonga. Iningi lamaphothifoliyo amathokheni engicelwa ukuba ngiwabuyekeze awakaze aklanywe njenganoma yini. Banqwabelana ngesikhathi semakethe yezinkunzi, indaba eyodwa ethokozisayo ngesikhathi.

Isikhundla engigijima ngaso empeleni

Ukuchayeka kwami kwe-crypto yi-Bitcoin futhi akukho okunye. Lokho kube yiqiniso ngemijikelezo emibili egcwele futhi kuyisimo lo mkhuba wakhelwe nxazonke.

Umkhuba wakhiwe ngendlela efanayo. Amaklayenti aqala uhlelo lokonga kusukela ku-R1,000 ngenyanga. Kusuka ku-R10 000 ngibahambisa ngizibambele mathupha, ngoba impahla engenamlingani ifanelwe wukuphathwa ngaphandle kwayo. Izinto ezibanjiwe ezinkulu zingena ku-Vault, uhlelo lwe-multisig olubili kokuthathu lapho iklayenti liphethe i-Trezor kanye ne-Ileja futhi ngigcina kuphela ukhiye wokutakula we-Coldcard. Ngenza ukusetha kwe-Vault okuhlanu ngenyanga ngoba ngayinye yenziwa kancane futhi ngokwami. ukusetshenziswa kwe-over-the-counter (OTC) kusebenza kunoma imuphi usayizi, ngokwengxenye ngenxa yokuthi imakethe yeRandi ye-Bitcoin iyona kuphela imakethe ye-crypto ejule ngokwanele ukumunca usayizi obalulekile ngaphandle kwedrama. Zonke izingcezu zaleso sitaki zikhona ngoba i-Bitcoin imi isikhathi eside ngokwanele ukwakha phezu kwayo. Akekho ongakwazi ukusungula iminyaka engamashumi amabili yokugcinwa kwempahla eqashwe kabusha njalo ezinyangeni eziyishumi nesishiyagalombili.

Akukho kulokhu okusho ukuthi i-Bitcoin iphephile ngendlela idiphozithi yasebhange ezizwa ngayo iphephile. Iyaguquguquka, idinga umkhathizwe weminyaka emihlanu kuya kweyishumi futhi ikucela ukuthi ufunde imikhuba ibhange lakho elingakaze likufundise lona. Ngikusho lokho ngokusobala kuwo wonke amaklayenti ngaphambi kokuthi aqale.

Ukuhlolwa engikunikezayo kulula. Thatha yonke impahla onayo unginike umusho owodwa ukuthi ingeyani. Umusho weBitcoin ulula: iyivela kancane imali ngaphandle kwesistimu yasebhange okungekho muntu ongaphrinta ngaphezulu kwayo. Eminyakeni eyishumi angizange ngizwe isigwebo se-altcoin sisinde umbuzo wokuqala wokulandelela. Kuze kube yilapho umuntu ekwenza, ngizoqhubeka ngibambe impahla enempendulo futhi ngisize amakhasimende ami enze okufanayo.