Ungayithenga Kanjani I-Bitcoin eNingizimu Afrika Kahle

Ukucindezela ukuthenga kuhlelo lokusebenza kuthatha imizuzu emihlanu. Ukuthenga i-Bitcoin ngendlela eyanelisa umlawuli, kusinde ekuhlulekeni kokushintshisana futhi kusengeyomndeni wakho eminyakeni engamashumi amabili kuthatha isikhathi eside futhi kukucela okwengeziwe. Lena inqubo engiyiqhubela amakhasimende, kusukela ekufakeni isicelo ngomzuzu owodwa ngokuqinisekisa nangoxhaso kuze kufike usuku lapho izikhiye zihlala khona ezandleni zakho.

Umbuzo ufika kimi emavikini amaningi: ungayithenga kuphi i-Bitcoin eNingizimu Afrika ngaphandle kokushiswa. Cishe akekho obuza ukuthi yiluphi uhlelo lokusebenza oluneshadi elihle kakhulu. Bafuna ukwazi ukuthi imali yomndeni yangempela bayibeke kuphi ukuze ithengwe ngokusemthethweni, ibanjwe ngendlela efanele futhi ibuyiseke uma impilo iya eceleni.

Impendulo eqotho ukuthi ukuthenga kuyingxenye elula.

Bengikule makethe kusukela ngo-2016 futhi ngihlala ngihlangana nabantu abathole ukuthenga kahle nakho konke okuzungezile okungalungile. Bacindezela ukuthenga endaweni ethile ngemizuzu emihlanu futhi bashiya izinhlamvu zemali zihlezi lapho, base befunda umehluko phakathi kwebhalansi yokushintshanisa kanye nomnikazi we-Bitcoin ngosuku ukuhoxiswa kwansuku zonke kwaqhwa. Ukuthenga kuthatha intambama eyodwa. Ukuthobela ngaphambi kwakho kanye nokugcinwa ngemuva kokunquma ukuthi i-Bitcoin isengezakho yini eminyakeni eyishumi, ngakho-ke yilapho umsebenzi wangempela uhlezi khona.

Ingabe kusemthethweni ukuthenga i-Bitcoin eNingizimu Afrika?

Isemthethweni futhi ilawulwa kakhulu kunalokho abantu abaningi abakucabangayo. Ngomhla ziyi-19 kuMfumfu wezi-2022 i-FSCA yamemezela ukuthi yimikhiqizo yezimali ye-crypto assets ngaphansi koMthetho we-FAIS, okusho ukuthi noma ubani onikeza iseluleko noma ohlinzeka ngezinsizakalo zokuxhumanisa ku-Bitcoin kufanele abe umhlinzeki wezinsizakalo zezezimali onelayisensi noma ummeleli oqokiwe oyedwa. Ezinyangeni ezimbili kamuva abahlinzeki besevisi ye-crypto asset baba izikhungo eziphendulayo ngaphansi kweSheduli 1 yoMthetho we-FIC, okuletha isisindo esigcwele se-FICA kulo mkhakha. NgoFebhuwari 2025 i-Financial Intelligence Centre yayinabahlinzeki be-crypto ababhalisiwe abangu-256 ezincwadini zayo. Isikhungo esinomthwalo wemfanelo kufanele siqinisekise ukuthi angobani amakhasimende aso futhi sibike umsebenzi osolisayo, imisebenzi efanayo ephethwe yibhange lakho. Umlawuli ofanayo uphawula ukuthi abantu baseNingizimu Afrika abangaphezu kwezigidi ezingu-5.8 sebevele bephethe izimpahla ze-crypto, eziseduze neyodwa kwabayishumi kithi, ngakho-ke akukho okunye kwalokhu okungase kube umsebenzi we-fringe.

Lolo hlaka luyisihlungi sakho sokuqala. Ilayisensi ayenzi umhlinzeki abe nekhono kodwa ukungabi khona kwayo kukutshela konke. I-FSCA isixwayise ngabakhwabanisi abazenza abahlinzeki abasemthethweni, abanye basebenzisa amavidiyo akhiqizwe yi-AI ukuze baphromothe izinkundla ezingekho. Ikhawunta ayibizi lutho: bheka umhlinzeki kwirejista FSCA ngaphambi kokuba noma yiliphi irandi linyakaze. Nginikeze indlela ephelele ubheka kanjani ukuthi umhlinzeki wakho we-Bitcoin unelayisensi ye-FSCA.

Eyami ilayisense ihlezi ne-CAEP Asset Managers (FSP 33933). I-SimplB isebenza njengoMmeleli Wezomthetho we-CAEP, okuyikhona okungivumela ukuthi ngidayisele ukuthenga kwe-Bitcoin njengomsebenzi wezezimali olawulwayo esikhundleni sohlelo lokuxhawula. Isimemezelo esagunyaza le mboni siphinde saphakamisa izinga lokungena kuyo. Lokho kuwafanela kahle amaklayenti ami.

Ngidingani ngaphambi kokuthi ngithenge?

Udinga imibhalo emithathu kanye nesineke esincane. Ngicela umazisi noma ipasipoti yakho, ubufakazi bekheli elingekho ngaphezu kwezinyanga ezintathu kanye nenombolo yakho yentela ethi SARS. Ukuqinisekisa kwenzeka ku-inthanethi ngomhlinzeki wami wokuthobela imithetho: ulandela isixhumanisi esivikelekile bese uthwebula idokhumenti yakho, bese ukuhlola isithombe ozishuthe sona okufushane kufana nobuso bakho nakho. Akekho ojabulela i-FICA. Okungenani ngikwenza nsuku zonke, ukuze umuntu okuqondisayo kukho abone yonke indlela ukuthi kungahamba kahle.

I-snag yakudala iwubufakazi bekheli. Isitatimende sasebhange noma i-akhawunti kamasipala ebonisa igama lakho nekheli lendawo ohlala kuyo isebenza okokuqala. Isivumelwano sokuqashisa asizimisi sodwa; idinga ubufakazi bomnikazi wendawo bunamathiselwe, okumangaza cishe wonke umuntu oqashile.

Ngokuthenga okukhulu lindela umthombo wengxoxo yezimali futhi. Uma kufika u-R2 million ovela endalini, irekhodi elibhaliwe lalokho kuthengiswa liba sefayilini ngaphambi kokuba imali ihambe. Lokhu akuyena umhlinzeki onzima. Ngumhlinzeki ogcina ilayisensi yakhe. Enye engakaze ibuze ikutshela ukuthi iyiphatha kanjani yonke incwadi yomthetho.

Ngibeke wonke umbuso ku Ukuhambisana kweBitcoin ne-FICA eNingizimu Afrika uma ufuna imininingwane. Inguqulo emfushane ukuthi amaphepha akuvikela kakhulu njengesistimu. I-Bitcoin eqinisekisiwe, ebhaliwe ingabhanga i-Bitcoin: uma uthengisa ngolunye usuku, imali inomzila ohlanzekile obuyela ku-akhawunti yakho.

Ngithenga kanjani ngempela? Inqubo, isinyathelo ngesinyathelo

Omakhenikha banesicefe ngamabomu. Ukusuka ekubuzeni ukuya ekubambeni i-Bitcoin, indlela ibukeka kanje:

1. Qedela okufushane ifomu lesicelo. Kuthatha cishe umzuzu futhi ingosi yeklayenti lakho iyavuleka ngokushesha.
2. Qinisekisa ubuwena. Isixhumanisi sakho sokuqinisekisa esivikelekile sifika phakathi namahora angu-12 wokufaka isicelo. Lungiselela amadokhumenti akho futhi kwenziwa ngesikhathi esisodwa.
3. Imali yi-EFT. IRandi lisuka ku-akhawunti yasebhange egameni lakho lisebenzisa ireferensi yakho ehlukile. Izinkokhelo zezinkampani zangaphandle azamukelwa, okuyisivikelo kunokuba kube ukuphazamiseka.
4. Ukuthenga kwenziwa emakethe. Ama-oda asebenza ngokuzenzakalelayo ngozakwethu bokusebenzisa lapho imali yakho isiphela, nombiko obonisa inani lakho elimaphakathi kanye nokuthi uthenge i-Bitcoin engakanani.
5. Gcina izinhlamvu zemali zakho. I-Bitcoin isuka ekushintshanisweni ibe yisakhiwo osilawulayo futhi ngihlala ngihililekile kuze kube yilapho usukhululekile ukuyiqhuba.

Isivinini sokubulala siyabamangaza abantu lapha. I-oda lika-R10,000 liguqulelwa ku-Bitcoin cishe imizuzwana engamashumi amathathu ngenkathi ubuka. I-oda lika-R5 million lisebenza buthule emakethe ngamahora ambalwa ukuze usayizi ungakususi intengo. Noma iyiphi imizila emikhudlwana ngedeski le-OTC, elibukhoma kunoma yimuphi usayizi futhi elakhelwe ncamashi lolo hlobo lwenkinga.

Ukuthengisa kusebenza ngendlela efanayo ngokuhlehla. Uma usuku lufika, izinhlamvu zemali zibuyela emuva ngomzila ofanayo olawulwayo futhi irandi liyohlala kuleyo akhawunti yasebhange eqinisekisiwe eliphuma kuyo, okuyirekhodi elihlanzekile elibhalwe phansi ibhange lakho kanye ne-SARS elizofuna ukulibona.

Ukuhlukaniswa kwabasebenzi kuhlala kulula kulo lonke. Uyanquma ukuthi yimalini. Ngenza isiqiniseko sokuthi awulahleki.

Kuthatha isikhathi esingakanani konke?

Amakhasimende amaningi okuqala asuka kuhlelo lokusebenza abambe i-Bitcoin phakathi nesonto. Ingosi ivula ngesikhathi ofaka ngaso isicelo, isixhumanisi sokuqinisekisa sifika phakathi namahora angu-12 futhi amadokhumenti ahlanzekile ahlanzeke ngokushesha. Ubufakazi obuyinkinga bekheli bungangeza izinsuku ezimbalwa zokubuyela naphambili. Uma usuqinisekisiwe ukuthi ijubane ngelakho: i-EFT iyasula, ukuthenga kuqala ngalo lolo suku futhi ukusethwa kwesitokisi kuyabhukhwa kudayari yakho. Konke ukugeleza kusebenza ku-inthanethi, okuyindlela engisiza ngayo amakhasimende asuka e-George ku-Garden Route ngaphandle kwanoma ubani odinga ukundizela noma kuphi. Konke okuthengwayo ngemva kokokuqala kuyi-EFT nje.

Ingabe iphephile? Lapho i-Bitcoin yakho ihamba khona ngemva kokuthenga

Ukuthenga ngomhlinzeki onelayisensi kusebenzelana nengcuphe yezomthetho. Ingozi enkulu yilokho okwenzeka ngemva kokuhweba, ngoba amapulatifomu amaningi akushiya ubambe isithembiso.

Ibhalansi yokushintshisana iyisimangalo ngokumelene nenkampani, hhayi i-Bitcoin. Ngenkathi i-Mt Gox iwa ngo-2014 yathatha cishe u-850,000 BTC wezinhlamvu zemali zeklayenti phansi nayo. I-Bitfinex ilahlekelwe cishe yi-120,000 ye-BTC kubaduni ngo-2016. INingizimu Afrika yakhiqiza inguqulo yayo lapho ukushintshaniswa kwendawo i-iCE3 kwehluleka, okushiya amaklayenti emi umugqa njengabakweletwayo. Ngaphezulu kuka-400 ukushintshana kwehlulekile emhlabeni wonke kusukela i-Bitcoin yaqala ukuhweba futhi iphethini ayishintshi: izinhlamvu zemali zazingokoqobo, amakhasimende awakaze azibambe.

Yingakho inqubo yami iphetha ngokunikezelana kunebhalansi.

Kusuka ku-R10,000 ngasungula indlela yokuzigcina eqondisiwe: isikhwama semali esithengwe esisha kumkhiqizi, sahlelwa ndawonye ocingweni, nesisho sokutakula sasekelwa ezintweni ezifanele futhi sahlolwa ngaphambi kokuthi imali ephusile ithinte kuso. Ukubamba okukhulu kuya ku-SimplB I-Vault, 2-of-3 multisig isakhiwo. Uphethe okhiye ababili kumadivayisi ahlukene, i-Trezor kanye ne-Ileja. Ngibambe ukhiye owodwa wokutakula we-Coldcard. Noma yibaphi okhiye ababili kufanele basayine ngaphambi kokuthi izinhlamvu zemali zihambe, ngakho-ke angikwazi ukuthinta i-Bitcoin yakho ngokwami futhi idivayisi eyodwa elahlekile ayikubizi lutho ngaphandle kokuyishintsha. Izipele zembewu zingena ensimbi esikhundleni sephepha futhi azikho izipele ezimbili ezake zabelana ngendawo. Ohlangothini lokushintshisana, izinhlamvu zemali ziphuma kuphela ziye emakhelini agunyazwe kusengaphambili, ngakho-ke kukhona umkhondo ohlolekayo ukusuka ku-EFT yakho yokuqala ukuya endaweni yakho engaphansi.

Uma ufuna ukucabanga ngaphambi kokuthi uzibophezele ekusebenziseni izikhiye zakho, Ukuzimela kwe-Bitcoin eNingizimu Afrika lisibekela ngokujula.

Amaphutha ngilokhu ngiwabona

Ezokuphepha eminyakeni yokuqala ye-Bitcoin kwakuyisifundo esinzima kunamanje futhi ngangizikhokhela imali yesikole ngokusifunda. Iphuzu lenqubo efanele ukuthi akufanele ukhokhe eyakho. Ngemuva kweminyaka ecishe ibe yishumi bebuka abantu baseNingizimu Afrika bengena kule makethe, amaphutha aseyabonakala.

Okuvame kakhulu ukuphatha ukushintshana njengebhange nokushiya izinhlamvu zemali lapho iminyaka. Okwesibili okuphambene nakho: ukugijimela ekuzivikeleni kanye nokuthwebula ibinzana lokubuyisela ukuze ligcinwe. Ibinzana lembewu ocingweni liwumusho oyimbewu ku-inthanethi. Kungephepha noma insimbi, ungaxhunyiwe ku-inthanethi, endaweni ethile kuphela ongafinyelela kuyo. Usongo olukhulu kunazo zonke ku-Bitcoin ozigcinile akuyona i-hacker ku-hoodie. Ngumnikazi.

Izikhwama zehadiwe ezithengwa kubathengisi bezimakethe zingenye inhlekelele ethule. Ithuluzi elifika negama lembewu seligcwalisiwe noma elinephakeji elivuliwe kungenzeka ukuthi sekungeyomunye umuntu. Thenga ngokuqondile kumkhiqizi noma kumthengisi ogunyaziwe futhi akukho kwenye indawo.

Bese kulandela imikhonyovu. I-FSCA igcina isexwayiso mayelana namavidiyo mbumbulu nezinkundla ezikhangiwe ezizenza abahlinzeki abanamalayisense, ezipholishelwe ngokwanele ukukhohlisa abantu abacophelelayo. Imali ethunyelwe endaweni yomgunyathi ayibuyi. Izivikelo ziyimikhuba kunemikhiqizo. Ungalokothi ufake imininingwane yesikhwama noma ye-akhawunti kusuka kusixhumanisi esiku-imeyili; thayipha ikheli ngokwakho. Phatha noma yisiphi isandiso sesiphequluli esikhuluma nge-crypto njengenobutha kuze kuqinisekiswe ngenye indlela. Ngaphezu kwakho konke, khumbula ukuthi noma yini ethembisa ukubuyiselwa okuqinisekisiwe iwumkhonyovu, ngoba impahla yangempela ayidingi ukukuthembisa noma yini.

Iphutha lokugcina lithule. I-Bitcoin ibanjwe kahle kunzima ukuyintshontsha, okwenza kube lula ukuthi umndeni ulahlekelwe uma umnikazi eshona. Uma kungekho muntu owazi ukuthi izinhlamvu zemali zikhona noma ukuthi ukutakula kusebenza kanjani, izindlalifa zakho ziyengeza ezigidini esezivele zilahlekile unomphela. Konke ukusethwa kwesigodlo engikwenzayo kufaka phakathi amadokhumenti okuthola kabusha ngenxa yalesi sizathu kanye, nemiyalelo yokufinyelela esencwadini yefa lakho kunasekhabetheni.

Kufanele uqale ngamalini?

Qala kancane kunalokho ocabanga ukuthi kufanele futhi uhlale isikhathi eside kunalokho obuhlelile. I-Bitcoin ayilona i-investimenti yesikhathi esifushane futhi ngicela amaklayenti ukuthi azibophezele ekuboneni izinto ezincane eminyakeni emihlanu kuya kweyishumi ngaphambi kokuba irandi lokuqala lihambe.

Ngaphakathi kwalolo hlaka amaphuzu okungena alula. Nyanga zonke izinhlelo zokonga iqala ku-R1,000 ngenyanga, iguqulelwe ku-Bitcoin ngokuzenzakalelayo ukuze ukuzithiba akuxhomeki endleleni ozizwa ngayo. Ukuzigcina ngokuqondisisa kuqala ku-R10,000, lapho ukubamba okhiye bakho kuzuza umzamo wakho wokusetha. Ideski le-OTC liphethe isiphetho esiphezulu kunoma imuphi usayizi. Amaklayenti afuna ukuchayeka kumadola ase-US angabhalisa inzalo.

Uma uhlezi unenombolo ethile engqondweni, u-R100,000 wakho wokuqala ku-Bitcoin ihamba ngendlela engizoyisebenzisa ngayo, okuhlanganisa nesamba semali ephikisana nombuzo wanyanga zonke.

Ojantshi abanandaba nosayizi. Uhlelo lwanyanga zonke luka-R1,000 kanye ne-oda le-OTC elinezinombolo eziyisikhombisa lihambisana nemithetho efanayo, ngakho-ke asikho isijeziso uma uqala ngesizotha futhi awukho uphahla lapho ukulahlwa kwakho yicala kwenzeka.