Usayizi Wesikhundla Se-Bitcoin Wamahhovisi Omndeni WaseNingizimu Afrika: Uhlaka Lwezimali Ezinkulu

Umthetho wephesenti yilapho iseluleko se-Bitcoin sokudayisa siqala futhi lapho iseluleko sehhovisi lomndeni siphela khona. Ibhendi engu-1% kuya ku-5% evumelana nomtshali-zimali ozimele alitsheli ihhovisi lomndeni elibiza u-R500 million cishe lutho mayelana nokuthi lesi sikhundla singasithola kanjani, sibanjwe kanjani nokuthi sinikezwa kanjani. Inombolo yisinqumo sokugcina, hhayi esokuqala. Yonke into enquma ukuthi ukubanjwa kuyasinda ihlala ngaphansi kwayo: ukubulawa, ukugcinwa, ukwakheka kanye nokubusa.

Lapho iphesenti liyeka khona ukuba iphuzu

Qala nge-arithmetic, ngoba yisikhathi sokugcina i-arithmetic ilula. Ihhovisi lomndeni elithwele u-R50 million lithatha u-5% bese lihlala ku-R2.5 million we-Bitcoin. Lokho ukuthenga okuqondile, okugcinwe endaweni eyodwa, okuphethwe ngaphandle komcabango wesibili.

Manje sikala. U-5% ofanayo uma uqhathaniswa no-R500 million uwu-R25 million, kanti uma uqhathaniswa no-R2 billion uwu-R100 million. Iphesenti alizange lishintshe. Konke okunye kwakwenza.

Ngo-R2.5 million ufaka i-oda bese uqedile. Ngo-R100 million i-oda lemakethe elilodwa lingadla imali ebonakalayo ebhukwini bese ligcwalisa enye ngamanani alokhu eqhubeka ebiza kakhulu, ngakho ukuthengwa kufanele kwenziwe ngezigaba ngezigaba ngedeski elithengiswayo kunokuba kulahlwe endaweni yokushintshanisa umphakathi. Umgcini oyedwa uba ukugxilisa ingqondo ongeke ukwazi ukukuvikela. Isenzo sokwethenjwa esingakaze sikhulume ngezimpahla ze-crypto siba yinkinga ebukhoma. Umbuzo ushintsha buthule usuka kuliphi iphesenti okufanele i-Bitcoin ibe kulo lapho lesi sikhundla sidinga ingqalasizinda yangempela ukuyibamba, futhi ngokwenza lelo phuzu lifika liphansi kakhulu kunalokho imindeni eminingi ekulindele kuqala. Lena ilensi efanayo engifaka kuyo uhlaka lwami lokulinganisa isikhundla se-Bitcoin, ezikhuliswe zaba izinombolo zehhovisi lomndeni.

Ukubulawa: ukuthenga u-R100 million ngaphandle kokumemezela

Umehluko owodwa omkhulu phakathi kweklayenti elizimele kanye nehhovisi lomndeni ukuthi ihhovisi lomndeni lingakwazi ukuhambisa intengo ngokumelene nalo ngokuzama ukuthenga. I-Liquidity inikela nge-oda le-R1 million futhi izacile, nganoma iyiphi intengo eyodwa, nge-R50 million eyodwa.

Imodeli yokusebenza engiyisebenzisayo ngosayizi ixazulula lokhu ngomthetho wokukhuphuka kunokuhweba ngeqhawe. Amathikithi amancane agcwalisa imizuzwana ngokushintshaniswa. Amathikithi amakhulu afakwa kusiteji, futhi lapho usayizi noma isikhathi esizosithatha ukugcwalisa siqala ukusongela intengo, i-oda lithuthela etafuleni le-OTC elicaphuna inani eliqinile kulo lonke inani bese liyikhokhela ngesiqeshana esisodwa. Ukusabalala kubanzi kancane kunentengo yesikrini. Uma ushintshana uthola isiqiniseko ngokugcwaliswa kwezibalo eziyisishiyagalolunye futhi awukusebenzisi ucingo ukuthenga kwakho kubo bonke abanye ababambiqhaza encwadini. I-SimplB isebenzisa kunoma yimuphi usayizi ngale ndlela, ngakho-ke ihhovisi lomndeni alilokothi likhethe phakathi kwenani elilifunayo nosayizi elilidingayo.

Akukho kulokhu okuwumcimbi owodwa. Ihhovisi lomndeni eliqongelela isikhundla esikhulu lisakaza ukuthengwa ngokuhamba kwesikhathi ngenhloso, ngoba izindleko zedola zifinyelela empahleni eguquguqukayo zithenga okuningi uma intengo iphansi futhi incane uma iphezulu, futhi isusa isilingo sokubeka isikhathi sokungena okungekho muntu osiphindaphinda kahle. Isiyalo esifanayo sibuyela emuva lapho isikhundla sinqunywa ekugcineni.

Ukugcinwa: alikho iphuzu elilodwa lokwehluleka

Noma ubani ophethe okhiye uphethe i-Bitcoin, futhi esikalini sehhovisi lomndeni lowo musho uyayeka ukuba isiqubulo bese uba yisithiyo sokusebenza.

Isikhwama sehadiwe esisodwa esinokhiye oyedwa silungile kumuntu othanda ukuzilibazisa futhi asilungile neze esikhungweni. Isikhundla kufanele sisinde ekufeni, ukungakwazi ukusebenza, ukufuduka noma ukungatholakali kalula komuntu osimisile, futhi kufanele simelane nokweba nokuphoqwa ngesikhathi esifanayo. Lezo zidingo ziyadonselana, yingakho nje impendulo yesikhungo ingu-2-of-3 onamasiginesha amaningi. Okhiye abathathu bakhona, noma yibaphi ababili bangakwazi ukuhambisa izimali futhi akekho ukhiye owodwa ongasebenza wodwa, ngakho ukhiye owodwa olahlekile uwukuphazamiseka okubuyiselekayo esikhundleni senhlekelele. Okhiye bahlala ku-hardware evela kubakhiqizi abahlukene futhi bahlala ezindaweni ezihlukene, ngenxa yokuthi inkinga ye-supply Iketanga ngedivayisi eyodwa akufanele neze ibeke engcupheni ikhoramu. Leso isimiso i-Vault engigijima ngayo eyakhelwe phezu kwayo: umndeni uphethe okhiye ababili ngemishini yawo siqu, ngibambe owesithathu njengomlenze wokutakula olawulwayo nge-CAEP Asset Managers (FSP 33933) futhi akekho ohambisa uhlamvu lwemali ngakunye.

Ezinye izimali ezinkulu kakhulu ziqhubekela phambili futhi zihlukanise isikhundla phezu kokuhlelwa okungaphezu kokukodwa, ukuze kungabikho sikhungo esisodwa, indawo yokulawula noma ithimba eliyiphuzu. Lokho ukunyakaza kwebhande nezikaki zangempela futhi akumahhala. Wonke umlenze owengeziwe wokuvikela ungenye isethi yokhiye ozokwenziwa, ukwenza ikhophi yensimbi endaweni ehlukile, idokhumenti futhi uqinisekise, futhi umthetho wegolide wokuthi azikho izipele zembewu ezimbili ezihlala ndawonye kufanele zibambe kuzo zonke. Inkimbinkimbi intengo yokuqina lapha, futhi iseluleko esithembekile siwukuthenga kuphela okuningi njengoba ubukhulu bugunyaza ngempela.

Idizayini yesitokisi yilapho ngiqala khona ukusebenzelana kwehhovisi lomndeni, ngaphambi kokuthi inombolo ixazululwe, ngenxa yesizathu esifanayo engisibeke kungani i-Bitcoin yehhovisi lomndeni iyisinqumo sokubusa kuqala. Indawo encane elawulwa kahle idlula enkulu engavikelekile kahle ngaso sonke isikhathi.

Yiziphi izinhlangano okufanele ziyibambe

Ihhovisi lomndeni alivamile ukuphatha yonke into ngegama elilodwa. I-trust ingase ibambe inqwaba, inkampani ingase ibambe inkunzi yemali engaphakathi kwebhizinisi futhi amalungu omndeni angawodwa angase abambe ucezu ngamagama awo, isembozo ngasinye sixazulula inkinga ehlukile.

Okubambekayo ukuthi i-wrapper ngayinye intela i-Bitcoin ngendlela ehlukile futhi ngayinye iyibeka phansi ngendlela ehlukile, futhi ukukhetha okubi kuyabiza ukuyikhulula ngoba ukuhambisa i-Bitcoin ehlonishwayo phakathi kwayo kuwumcimbi okhokhiswa intela. I-trust ithenga ukuqhubeka ngenani eliphezulu lenzuzo yemali. Inkampani ifanele imali ehlala ebhizinisini ngokweqiniso. Igama lomuntu siqu lilula kakhulu futhi lishibhile kuze kube yilapho umsebenzi wezindlu uqala ukuluma. Ngilinganisa lezo zohwebo ngokugcwele ukubamba i-Bitcoin enkampanini, ukwethenjwa noma igama lomuntu siqu, futhi inguqulo emfushane yehhovisi lomndeni iwukuthi ukuhlukaniswa kufanele kunqunywe ngaphambi kokukhula, hhayi ukuvuselelwa ngemva kwakho.

Uhlaka lwezinkampani eziningi luzuza inkimbinkimbi kuphela uma isikhundla sesisikhulu ngokwanele ukuze kugunyazwe ukuphatha, ukubhalwa kwemibhalo kanye nokuhambisana ne-South African Revenue Service (SARS) izikhathi ezintathu esikhundleni sokuba kanye. Ngaphansi kwalowo mngcele i-trust eyodwa eyakhelwe kahle ivamise ukuhlanzeka. Ngaphezulu kwakho, ukuguquguquka kufaneleka isisindo sokuphatha, futhi umklamo wakho uhambisana nohlelo lwezindlu engiluchaza kulo. ukudlulisa i-Bitcoin ezizukulwaneni ngezizukulwane eNingizimu Afrika.

I-horizon ishintsha i-psychology

Umtshali-zimali ozimele uvame ukucabanga emafasiteleni eminyaka emihlanu kuya kweyishumi. Ihhovisi lomndeni licabanga eminyakeni engamashumi amabili nanhlanu kuya kwamashumi amahlanu, futhi leyo shift eyodwa ishintsha ukuthi isimo esiphusile sizizwa kanjani.

Kuyasiza ukwethembeka kulokho okuqukethwe kulawo mashumi eminyaka. Selokhu yaqala ukuhweba kabanzi, i-Bitcoin ibhekane nokudonswa phansi okune kusukela ekuphakameni okuphakathi kuka-76% no-90%, futhi umndeni ophethe le mpahla esizukulwaneni ngasinye uzophila ngeningi layo. Isizathu sokuthi umkhathizwe omude ube yinzuzo esikhundleni sokwesaba ukuthi noma ubani oke wabamba i-Bitcoin iminyaka emine noma ngaphezulu ngokomlando wagcina esendaweni enhle, ngisho ethenge phezulu kakhulu, futhi esikalini seminyaka eyishumi impahla iye yahlanganiswa ngamanani angavamile. Umndeni ongeke uphoqwe ukuthi udayise ungaphatha isimo esibi njengesimo sezulu esikhundleni se-alamu yomlilo, yingakho ukukala isikhundla ngemali enkulu umndeni ongeke uyidinge iminyaka kuwumdlalo wonke. Umthetho owodwa obala ngaphezu kwephesenti ukuthi ungalokothi ube umdayisi ophoqelelwe.

Ukubusa: inqubomgomo ebhaliwe esusa imizwelo

Kulesi sikali i-Bitcoin ifanelwe ukubusa okufanayo nanoma iyiphi impahla ebekiwe etholwayo, futhi ithuluzi lalokho inqubomgomo ebhaliwe ikomidi lokutshalwa kwezimali elilandela ngempela.

Inqubomgomo efanele ye-Bitcoin reserve isho inhloso yokubamba, isabelo esiphezulu esihlobene nesamba noma imali eningi, isikhathi sokubamba esilindelekile kanye nezimo eziqondile zokubangela ukuthenga okwengeziwe noma ukusika. Isho ukuthi ubani ongase ayalele okwenziwayo nokuthi imuphi umkhawulo wokusayina, ukuze umphathiswa noma uzakwethu ophethe akwazi ukulinganisa kabusha ngaphakathi kwemingcele okuvunyelwene ngayo ngaphandle kokubiza wonke umndeni ngaso sonke isikhathi lapho intengo ikhuphuka. Yilokho okuhlukanisa indawo egciniwe elawulwayo nokubheja okuseceleni. Isakhiwo se-multisig sikuphoqelela ngendlela amaphepha ewodwa angeke akwazi ukuyenza, ngoba iguqula ukuhlukaniswa kwemisebenzi ibe izibalo: umuntu oqala ukuthengiselana nomuntu okugunyazayo bangabantu abahlukene abaphethe okhiye abahlukene, futhi yonke isignesha irekhodwa ngochungechunge njengendlela yokucwaninga umcwaningi mabhuku angakwazi ukuyifunda.

Amadokhumenti angaphansi kwakho konke lokhu awanambitheki futhi anquma. Udinga izivumelwano zokugcina kanye nemithetho elandelwayo yokuphatha efayeleni. Udinga uhlelo lokulandelana lwalokho okwenzekayo uma umnikazi wokhiye oyinhloko engatholakali ngokuzumayo, kanye nokuqinisekiswa okujwayelekile kokubamba ngokumelene neketango. Yifayela okungekho muntu ofuna ukulakha futhi wonke umuntu uyabonga ngesikhathi esibi kakhulu.

Ibukeka kanjani ezikalini ezintathu

Ukuze ukwenze kucace, cabanga ngemindeni emithathu ihamba engxoxweni efanayo.

Eyokuqala iphethe u-R50 million kanti ifuna isikhundla sika-5%, ngakho u-R2.5 million. Lowo ngumnakekeli oyedwa waseNingizimu Afrika onelayisensi, okungenzeka ukuthi i-trust, ethengwa phakathi kwezinyanga ezintathu kuya kweziyisithupha, ebuyekezwa kanye ngonyaka. Awekho ama-gymnastics ezinkampani eziningi, ayikho idrama ye-OTC, alikho iqembu elizinikele. Ingqalasizinda kufanele ihambisane nobungozi futhi lapha ubungozi buncane.

Eyesibili ithwala u-R500 million kanye no-5% ofanayo, ngakho u-R25 million. Manje isithombe siyaqina: ilungiselelo elibhaliwe lokugcina izingane elakhelwe ukusinda ekwahlulekeni okukodwa kwesikhungo, ukubulawa kwe-OTC yezigaba ezinkulu, inqubomgomo ebhaliwe yokugodla, ukubuyekezwa kwekota kanye nokuqinisekiswa konyaka kwempahla. Ukuthenga kuhlelwa phakathi nesikhathi esingcono sonyaka kunokuphuthuma.

Eyesithathu ithwala u-R2 billion kanti ibheka ku-5% kuya ku-10%, phakathi kuka-R100 million no-R200 million. Konke okungenhla, kanye nokwehlukaniswa kwelungelo lokuhlala okuklanyelwe ukuze kungabikho iphuzu elilodwa elingehluleki, uhlaka lwezinkampani eziningi okungenzeka luhlanganise i-trust eceleni kwenkampani nempahla yomuntu siqu, inqwaba eqhubeka phakathi nezinyanga eziningi zokuthengwa kwe-OTC okuhleliwe, ikomidi lokutshalwa kwezimali elihlangana njalo ngekota kanye nokulandelana nokudlulisa ifayela elakhelwe isizukulwane esilizuza njengefa.

Iphethini kuzo zontathu iyafana. Iphesenti ilebula esebhokisini. Isakhiwo yilokho okuhlala ngaphakathi kuso, futhi esikalini sehhovisi lomndeni leso sakhiwo siwumsebenzi. Yakha leso sakhiwo ngaphambi kokuphikisana ngenombolo, ke bhukha iseshini yesakhiwo sehhovisi lomndeni ukulakha ngaleyo ndlela.