I-Bitcoin Yezizukulwane Eziningi: Uhlaka Lokucabanga Kwemindeni YaseNingizimu Afrika Emashumini Eminyaka

Iseluleko esiningi se-Bitcoin sibhalelwe umuntu oneminyaka emithathu kuya kwemihlanu. Umndeni ohlose ukubambelela ezizukulwaneni ngezizukulwane udlala igeyimu ehlukile ngokuphelele, futhi kuphakamisa imibuzo umthengi wesikhathi esifushane angakaze ahlangane nayo: ubani olawula izinhlamvu zemali lapho umuntu osetha konke engasekho, ukuthi isizukulwane esilandelayo sifinyelela kanjani kuzo, nokuthi kwenzekani ngosuku ukhiye ulahlekile. Yenza ukuthi isakhiwo sibe nephutha futhi impahla idlula uhlelo. Kulungise futhi kungathwala inani elizosetshenziswa abazukulu bakho ngaphansi kwemithetho okungakabhalwa muntu okwamanje.

Lokhu akukona ukukhathazeka komthengi oyedwa onombono weminyaka emihlanu. Ziyizinkathazo zomndeni, futhi zidinga ukubusa komndeni.

I-Ukuguquguquka kwentengo isici sempahla encane, hhayi isinqumo sayo

Ukuphikiswa okuvame kakhulu engikuzwa emindenini yintengo eguqukayo. Ukukhathazeka okulungile ngefasitela elifushane futhi cishe akubalulekile esikhathini eside. Ukungaguquguquki kweBitcoin kuphezulu eminyakeni emithathu kuya kwemihlanu futhi kuyancipha njengoba iwindi likhula, ngoba umsindo wesikhashana uyisici esingokwemvelo sempahla entsha esathengwa umhlaba. Ukuntengantenga okulandelanayo bekulokhu kwehla njengoba isisekelo somthengi sikhula, okuyilokho ukucabanga kwezezimali okwamukelekile okungabikezela uma impahla iyeka ukuba yinqenqema. Umuntu othenge esiqongweni sika-2017 uhlezi ngokudonsa okungaphezu kwesigamu futhi wayesengaphambili eminyakeni embalwa kamuva. Ibanjwe isikhathi eside ngokwanele, akekho osaqedile ngemuva: ngokomlando noma ubani owabamba iminyaka emine noma ngaphezulu uye wabona imbuyiselo enhle, ngisho nokuthenga phezulu. Yelula lokho kuye eminyakeni engamashumi amabili noma amathathu futhi ukuphahlazeka kwesikhashana kufundeke njengokuthungwa emugqeni omude.

Umndeni ucabanga emashumini eminyaka, ukushintshashintsha kuba yisimo sezulu kunokuba isimo sezulu. Umbuzo wangempela akukona ukuthi i-Bitcoin icwiliswa yini ngo-2031. Ukuthi ingabe impahla isekhona yini futhi isabambe inani uma iqhathaniswa nerandi ngo-2056, futhi lowo umbuzo akekho umuntu othembekile owuphendulayo ngokuqiniseka. Kungase kubize kakhulu. Kungase kubiza kancane kakhulu. Umndeni kufanele ubheje ngamabomu futhi ukubhale phansi, ungakhukhuli kuwo futhi ube nethemba. Isikhathi esiphansi esincanyelwayo yiyo yonke indlela yokuma lapha: ukhetha ukulondoloza nokulinda, empahleni eyakhelwe ukulindwa.

Lokhu ngikusho emindenini yaseGeorge naseGoli ngokufanayo, ababamba isikhathi eside yilabo ababekuqonda kahle ukubhejwa ngaphambi kokuthi bakwenze, hhayi laba ababebuka ishadi masonto onke.

Kungani i-trust, futhi kungani kufanele ithi Bitcoin

I-Bitcoin ehlezi egameni lomuntu ine-stop enzima ekufeni. Izinhlamvu zemali ziwela endaweni okufanele ikhokhelwe, zilinda ukubambezeleka kokuyivala, intela yefa iba ku-20% emalini yokuqala eyizigidi ezingu-R30 ngaphezu kwenani elincishisiwe kanye no-25% ngaphezu kwalokho, futhi akukho kulokhu okusho okuthile uma umabi wefa engakwazi ukufinyelela ukhiye wangasese kwasekuqaleni. Leyo nkinga yokugcina iyona evamile. Izinhlamvu zemali zikhokhiswa intela njengempahla ngenkathi uhlezi ngemuva kodonga akekho emndenini ongakhuphuka.

I-trust iphendula okuningana kwalokhu ngesikhathi esisodwa. Kuyibhizinisi elisemthethweni elihlukile futhi alifi lapho umsunguli efa, ngakho-ke umphathiswa olandela esikhundleni uvele aqhubeke futhi izinhlamvu zemali azibe zingena efeni ukuze ziboshwe. Ukuqhubeka kuyindaba ephelele yesakhiwo, futhi emndenini obambe izizukulwane ngezizukulwane kuyiqiniso.

Kodwa isenzo kufanele sizuze.

I-trust deed yaseNingizimu Afrika iyincazelo yomsebenzi yomphathiswa, futhi umphathiswa othenga impahla yomphathi itayitela elingakaze ligunyazwe angaphendula nganoma yikuphi ukulahlekelwa yena mathupha, noma ngabe izinhlamvu zemali zenzani kamuva. Izincwadi eziningi ezazisakazwa zabhalwa abameli ababengakaze bezwe igama elithi satoshi. Lokho akukhona ukugxeka abameli. Kuyisizathu sokufunda itayitela ngaphambi kokufunda elinye igama mayelana nenani. I-deed idinga amandla amakhulu phezu kwezimpahla zedijithali, izindlalifa eziqanjwe igama, kanye nokuphatha okhiye, okungamagama engiwashoyo. ukuthi i-trust deed idinga ukusho ini nge-Bitcoin. Into eyodwa akulokothi kube eyakho: okhiye ngokwabo. Itayitela lifakwa ku-Master, likopishelwe abamabhange futhi lifundwe abacwaningi bamabhuku impilo yonke ye-trust, ngakho umusho wembewu obhalwe kuwo uwumusho oyimbewu oshicilelwa kuwo wonke umuntu oke waphatha lo mbhalo.

Kufanele ngicace ngasohlangothini lwami lwetafula. Angiyena ummeli othenjwayo futhi akukho lutho lapha okuyiseluleko sezomthetho. Ngeluleka nge-Bitcoin ngaphansi kwe-CAEP Asset Managers (FSP 33933), futhi umsebenzi wami wumklamo wokugcinwa kwendlu kanye nemigqa yelayisense eyenza izigaba zommeli zisebenze ngempela uma ukhiye udinga ukunyakaza.

Ukunikezwa kwelungelo lokuhlala yilapho imindeni ifika ingabambeki

Lena ingxenye engigcina ngimile. Uma izinhlamvu zemali zizihlalele futhi ngumuntu oyedwa kuphela owake wazi ibinzana lokuthola kabusha, usuku lowo muntu afa ngalo umndeni uthola ifa lebhokisi elikhiyiwe kanye nenkokhelo yentela kokuqukethwe okucatshangelwayo. Bangase bakweleta intela yefa ngenani abangakwazi ukulithinta ukuze balikhokhe. Impahla ekhokhiswa intela okungekho muntu ophilayo ongakwazi ukuyihambisa iseduze nomphumela omubi kakhulu kulo mkhakha, futhi ingavinjelwa ngokuphelele.

I-Multisig iyilungisa ezingeni lephrothokholi.

Ekusetheni okungu-2-of-3 kukhona okhiye abathathu futhi noma yibaphi ababili kufanele basayine ngaphambi kokuthi uhlamvu lwemali luhambe. Umsunguli ubamba eyodwa, umlandeli ubambe okwesibili, futhi umhlinzeki olawulwayo ubamba okwesithathu njengokhiye wokutakula, ngakho-ke akukho ukufa okukodwa noma idivayisi elahlekile engabopha noma yini. Laba ababili abasindile bayasayina futhi izinhlamvu zemali ziyanyakaza.

Lena yindlela engiyakha ngayo i-Vault yamakhasimende omndeni. Ama-trustees abamba okhiye behadiwe ababili, i-Trezor kanye ne-Ileja egcinwe ngokwehlukana, bese ngibamba owesithathu, ukhiye wokutakula we-Coldcard, njengoMmeleli Wezomthetho we-CAEP Asset Managers (FSP 33933). Umndeni ushintshana ngokhiye bawo ababili empilweni evamile futhi ukhiye wami uqala ukudlala kuphela ekubuyiseleni, lapho idivayisi ihluleka noma umnikazi wokhiye engekho. Kunesizathu esingokomthetho lokhu kudlula ukushiya izinhlamvu zemali ekuhwebeni kwasolwandle ngaphansi kwelungiselelo labaqokiwe: I-Financial Sector Conduct Authority (FSCA) iphatha i-crypto egcinwe esitokisini esiphephile seklayenti njengempahla yokwethenjwa, ehlukene nefa lomhlinzeki ngokwakhe ngisho noma lingenamali. Ngithatha ama-setups amahlanu alawa ngenyanga, amaningi ngendlela engingayenza kahle.

Ukulinganisa izinhlamvu zemali ngosuku lokufa komuntu

Lapho umnikazi wokhiye eshona izinhlamvu zemali kufanele zikalwe ngenani elifanelekile lemakethe ngosuku lokufa kwakhe, ziguqulelwe erandini. Iphethwe nomnakekeli onelayisensi, lokho kuwukubheka okuhlanzekile: inani losuku elisetshenziswe enanini izitatimende sezivele ziqinisekisa. Ephethwe kwezinye izikhwama zokuzivikela ngaphandle kwezitatimende, umenzi wefa uyayekwa ukuthi akuhlaziye, futhi ukulinganisa kudala izingxabano, ukubambezeleka kanye nezindleko.

Ikhambi liyisicefe futhi liyasebenza. Ukubuyekezwa kwaminyaka yonke kwethrasti kubhala inani eliphethwe, lapho ligcinwe khona, inani lentengo ngosuku lokubuyekeza kanye nenani lerandi, elisayinwe ngokubhaliwe unyaka nonyaka. Uma kudingeka isibalo sosuku lokufa, impendulo isibhalwe ingxenye. Akukho ngxabano ngokuthi umndeni uphetheni, ngoba kwaqinisekiswa wonke umuntu esaphila.

Isigamu sehora kanye ngonyaka. Yilokho isiyalo esiphelele, futhi umehluko phakathi kokunikezelana okuhlanzekile nomndeni ulwa neSouth African Revenue Service (SARS) ngenxa yenombolo okungekho muntu ongayibeka phansi.

Amarekhodi aphakathi komndeni wakho nokulahlekelwa unomphela

Ukubamba okuhloswe ukuthi kuphile isikhathi esingaphezu komsunguli waso kudinga amaphepha anzima njengoba noma ubani egcina impahla noma ibhizinisi, agcinwe ngamabomu minyaka yonke kunokuba ahlanganiswe ngenxa yokwesaba ngemva komngcwabo. Ngokwenza lokho kuwuhlu oluncane olumile. Isenzo esigunyaza i-Bitcoin futhi sibeka ukulandelana kanye nemibandela yokuthengisa. Ishejuli yamanje yayo yonke isikhwama semali, umnakekeli kanye nebhizinisi. Finyelela amaphrothokholi ngayinye ngayinye, agcinwe ngokuphephile futhi afinyeleleka abantu abaqanjwe ukuze azuze. Irekhodi eliqhubekayo lalokho okuthengiwe nokuthi nini, ngayiphi intengo yerandi, ngakho-ke i-SARS ayilokothi ibe isixakaxaka. Isitatimende sonyaka esivela kuwo wonke umnakekeli. Incwadi engacacile evela kumphathiswa eya kozongena esikhundleni echaza ukuthi yini ekhona nokuthi ungafika kanjani kuyo. Nemininingwane yokuxhumana yommeli, i-accountant kanye nanoma ngubani ophethe ukugcinwa. Ayikho into enzima ngokwezobuchwepheshe. Konke kudinga umuntu ozokwenza, kanye ngonyaka, ngaphandle kokukhunjuzwa.

Umndeni uthengani ngempela

Icala lokubamba i-Bitcoin ezizukulwaneni ngezizukulwane liyazivikela ngaphambi kokuthi libe enye into. Impahla ebekiwe ayikho ukuze kucishwe izibani. Ikhona ukuze ibambe indawo yayo ngenkathi yonke into ezungezile ilahlekelwa yiyo.

Irandi linomkhuba omude wokulahlekelwa inani, futhi ukonga okuyinani eliyinani lamaRandi kopha buthule amandla okuthenga kuzo zonke izizukulwane eziwaphethe. I-Bitcoin ayinayo umkhiphi, alikho ikomidi elingaphrinta okuningi kwalo futhi akukho nqubomgomo yemali ezokudalula kuyo, ngokuhlinzekwa okufakwe ezinhlamvu zemali eziyizigidi ezingu-21 okungekho ivoti elingashintsha. Yileyo mpikiswano, futhi inesizotha eshiwo ngokwethembeka. Akukhona ukuthi i-Bitcoin yenza isizukulwane ngasinye sicebe. Ukuze ibambe ingcebo enye impahla iguguleka, ngakho iholo lombazi lilokhu lithenga lokho okufanele umholo wombazi. Imindeni isivele isebenzisa lo mqondo ngezindlela ezincane lapho ifundisa izingane ukonga, futhi eminye ikwenza kube semthethweni kusenesikhathi nge-stand order, engiyihlanganisayo. I-Bitcoin DCA yezingane zakho.

I-asymmetry eyodwa okufanele uhlale nayo

Nanku umcabango engizoshiya nawo umndeni. I-Bitcoin elahlekile ilahlekile. Akukho nqubo yomthetho eyibuyiselayo, akukho mshwalense ongayifaka esikhundleni sayo, awukho umyalo wenkantolo ovula isikhwama semali igama laso elichithiwe noma elikhohliwe. Impahla namasheya kungasinda ekwehlulekeni kokuphatha ngoba umthetho ungakha kabusha ubunikazi. Ukhiye oyimfihlo awukwazi ukubizwa. Ukubheka phezulu kwe-Bitcoin kungase kube kukhulu futhi okuphansi kokhiye olahlekile sekuphelele, futhi lawo maqiniso amabili awalingani. Yingakho nje imibhalo nokulandelana kungezona izithasiselo ozikhethele zona isifanekiso esizithatha njengazo. Bawudonga oluthwala imithwalo.

Inguqulo yomuntu siqu yalokhu kwehluleka, lapho umenzi wefa ehlangana nesikhwama sehadiwe okungekho muntu ongasivula, ngangena kwenzekani ku-Bitcoin yakho uma ushona, kanye nendlela ikhava yempilo engabambisana ngayo ifa ngenkathi kufinyelelwa izinhlamvu zemali ingaphakathi Bitcoin, umshwalense wempilo kanye nefa lakho. I-trust ethola itayitela, okhiye kanye namarekhodi ilungelo ingabamba le mpahla ezizukulwaneni ngezizukulwane ngaphandle kwedrama. Yilokho iphuzu lonke lesakhiwo, futhi kuyafezeka. Ngeke nje kwenzeke ngengozi.