Isibonelelo SaseNingizimu Afrika Sase-Offshore sika-R2 Million: Sisebenza Kanjani ku-Bitcoin
Isibonelelo sakho saphesheya kwezilwandle siphindeke kabili futhi cishe akekho umuntu engikhuluma naye oke waqaphela. Isabelomali sika-2026 siphakamise Isibonelelo Sokuzikhethela Single sisuka esigidini esi-R1 saya ku-R2 million ngomdala ngamunye ngonyaka, nokuwukukhula kokuqala kusukela ngo-2011. Ngaso leso sikhathi uMnyango Wezezimali uphakamise ukuhudulela ama-crypto assets okokuqala ngqa. Lezo zinyathelo ezimbili zihlala phezu kwedeski elifanayo uma ubambe i-Bitcoin, futhi azikhombi ohlangothini olufanayo. Yilokhu okuyizibonelelo empeleni, lapho i-Bitcoin ihlezi ngaphakathi kuzo kanye nombuzo owodwa ongakaxazululeki.
Ukhiye wokuthatha
I-offshore allowance ihamba ngezigaba ezintathu. ISingle Discretionary Allowance ivumela umhlali ngamunye omdala ukuthi athuthe u-R2 million phesheya kwezilwandle ngonyaka ngaphandle kwemvume yentela. I-Foreign Capital Allowance yengeza u-R10 million phezulu, kodwa kuphela nge-PIN Yesimo Se-SARS Yokuthobela Intela ngenqubo Yokugunyazwa Kokudluliselwa Kwamazwe Ngamazwe. Imali engaphezu kuka-R12 million ihlangene udinga ukusayinwa kweBhange Lombuso. I-Bitcoin ithengwe futhi yagcinwa endaweni enelayisensi yaseNingizimu Afrika ayikaze ithinte noma yikuphi kwalokhu, ngoba akukho okushiya izwe. Uhlaka lwemithetho ka-2026 lubeka lelo phuzu lokugcina ngaphansi kombuzo, yingakho lesi sikhathi kuyisona okufanele sibukwe.
Iyini ngempela isibonelelo sika-R2 million
Wonke umhlali wentela waseNingizimu Afrika oneminyaka engaphezu kweshumi nesishiyagalombili une-Single Discretionary Allowance. Yinani ongalithumela ngaphandle kwezwe ngonyaka wekhalenda nganoma iyiphi injongo yezomthetho nhlobo, akukho mvume eceliwe. Ukuhamba, isipho enganeni efunda eLondon, iphothifoliyo yamasheya olwandle, idiphozithi efulethini ePortugal, i-Bitcoin ithengwe ngokuhwebelana kwamanye amazwe. I-Reserve Bank ayifuni sizathu. Ibhange lakho livele libike ukugeleza.
Kuze kube kulo nyaka leso sibalo sihleli ku-R1 million, siqandiswe kusukela ngo-2011 kanti irandi lilahlekelwe amandla amaningi okuthenga uma liqhathaniswa nedola. Isabelomali sika-2026 siphindwe kabili safinyelela ezigidini ezi-2 zamarandi, esibekwe obala njengokuhlangabezana nokwehla kwamandla emali kanye nokwehla kwamandla emali. Ngakho-ke abashadile bano-R4 million phakathi kwabo, u-R2 million umuntu ngamunye, ngoba isibonelelo sitholwa ngomuntu ngamunye futhi asikaze sibe ngomuzi. Izingane ezindala ezihlala ezintela nazo zithwala owazo u-R2 million, okuyilapho ukuhlela umndeni kuqala buthule.
Ayikho i-SARS imvume. Yileyo ngxenye abantu abangayiqapheli.
Awusifaki isicelo, awulindi, awukhiqizi isitifiketi sentela ukuze usebenzise i-SDA yakho. Alikho ifomu, akukho ulayini, akukho ukulinda ngesikhathi sokushintsha se-SARS. Imali iyahamba futhi umdayisi wakho ogunyaziwe uyayiqopha ngokuhambisana nomkhawulo wakho wonyaka. Kuzakhamuzi eziningi ezicabanga ngokuqala phesheya kwezilwandle lokhu kuwumdlalo wonke, kanti u-R2 million inhloko umgwaqo wezindiza ozwakalayo owawungekho ezinyangeni eziyishumi nesishiyagalombili ezedlule. Ngafaka i-shift ebanzi ngosuku izinombolo ezifika ngalo ukuthi kusho ukuthini inkulumo yesabelomali kubanikazi beBitcoin.
Isigaba sika-R10 million nalapho kuqalwa khona amaphepha
Ngenhla kwe-SDA kuhlezi i-Foreign Capital Allowance, futhi lapha ithoni iyashintsha. Ungakwazi ukukhuphukela kwelinye i-R10 million phesheya kwezilwandle ngonyaka wekhalenda ukuze utshale imali, enqwabelana phezu kuka-R2 million wakho ukuze unikeze u-R12 million ngonyaka owodwa uma kufanele uthuthe. Okubanjwayo yi-clearance. I-FCA isebenzisa inqubo Yokugunyazwa Kokudluliselwa Kwamazwe Ngamazwe futhi awukwazi ukuyithinta ngaphandle kwe-PIN Yesimo Sokuthobela Intela evumelekile evela ku-SARS, isiqinisekiso se-elekthronikhi sokuthi izindaba zakho zentela zihlelekile ngempela. I-SARS ikhipha i-PIN, umdayisi wakho ogunyaziwe uyayiqinisekisa ngaphambi kokuba isenti liwele umngcele kanye ne-PIN ephelelwe yisikhathi imisa amakhaza okudlulisa.
U-R10 million odlulile ohlangothini lwenhloko-dolobha umbuso uyaqina futhi. Ukudluliswa kwemali ngenhla okudala isibuyekezo esiqinile se-SARS esihlola umthombo wezimali zakho futhi siqhube amasheke aphikisana nokushushumbiswa kwemali ngaphansi koMthetho Wesikhungo Sobuhlakani Bezezimali (FIC), okulandelwa ukugunyazwa koMnyango Wokubhekwa Kwezimali Webhange Lombuso mayelana namaqiniso ngodaba lwakho. Akulona udonga. I-FinSurv isebenzisa ubuhlakani bangempela kuleli zinga futhi ayinqabi izicelo njengoba kunjalo, kodwa iyinqubo nomuntu ngakolunye uhlangothi efunda izindaba zakho eduze, futhi lokho kuwukuhlangenwe nakho okuhlukile ekuhambeni okuzenzakalelayo okuzenzakalelayo kwe-SDA yakho.
Ngakho umumo ulula ngokwanele ukubamba ekhanda lakho. U-R2 million ngaphandle kwemibuzo ebuzwayo, u-R10 million ngaphezulu onerekhodi lentela elihlanzekile ne-PIN, noma yini engaphezu kwalokho ngokufaka isicelo. Ukungqubuzana kukhuphuka nenani, okuwumqondo wonke wokulawula ukushintshanisa futhi bekulokhu kunjalo.
Iklayenti likaGeorge lingibuze lokhu muva nje futhi kwenza ama-tiers akhonkolo. Wayefuna u-R6 million phesheya kwezilwandle ngonyaka, kuhlanganiswe amasheya angaphandle kanye ne-Bitcoin ekuhwebeni phesheya kwezilwandle. Impendulo ithi u-R2 million ugibela iSDA yakhe engagcwalisiwe lutho, kanti u-R4 million osele usebenzisa ingxenye yeFCA yakhe, okusho ukuthola i-PIN yakhe Yesimo Sokuthobela Tax ihlelwa nge-SARS kuqala. Unkosikazi wakhe une-SDA yakhe engu-R2 million ehleli engasetshenziswa, ngakho phakathi kwabo bobabili ingxenye yaleyo R6 million ingase ihambe ngaphandle kokufika kuFCA nhlobo. Isibonelelo siyisisetshenziswa sasekhaya nakuba sinikezwa umuntu ngamunye, futhi imibhangqwana ehlela ndawonye ithola okungaphezulu kunemibhangqwana esebenza yedwa.
Lapho i-Bitcoin empeleni ihlezi kukho konke lokhu
Nali iphuzu lapho cishe zonke izihloko ezikhuluma ngale ndaba ziba nephutha, futhi kufanelekile ukungasho lutho ngakho.
Uma uthenga i-Bitcoin ngamarandi endaweni enelayisensi yaseNingizimu Afrika bese uyishiya lapho, awusebenzisanga irandi lesibonelelo sakho saphesheya kwezilwandle, ngoba akukho lutho oluye phesheya kolwandle. Umsebenzi ungowasekhaya kusukela ekuqaleni kuze kube sekupheleni. Irandi lakho liye kumhlinzeki waseNingizimu Afrika, i-Bitcoin ihlezi esitokisini ngaphakathi kweRiphabhulikhi futhi akukho mali eyeqile noma yimuphi umngcele. I-Intergovernmental Fintech Working Group isho okufanayo ezincomweni zayo, inxusa ukuthi izakhamizi zivunyelwe ngokusobala ukuthi zithenge i-crypto ngaphakathi kwe-SDA yazo ne-FCA ngokunembile lapho bezithumela khona. I-Bitcoin egcinwe endaweni kumhlinzeki olawulwayo ayibalwa emikhawulweni yakho yokutshala imali yakwamanye amazwe. I-Bitcoin ithunyelwe phesheya kwezilwandle ngaphandle kwemvume ingathathwa njengokukhiphela imali ngaphandle okungagunyaziwe, nalapho okuwukuphela kwesizathu sakho kwakuwukuzibamba. Lowo mugqa phakathi kokubili uyisihloko sonke.
Hambisa izinhlamvu zemali kude nolwandle futhi isibonelelo siyavuka. Thumela izigidi ezi-R2 emalini yangaphandle futhi uthenge i-Bitcoin lapho, futhi usebenzise u-R2 million we-SDA ngendlela efanayo obuyothenga ngayo amasheya angaphandle. Thatha i-Bitcoin osuvele ungumnikazi wayo endaweni yendawo bese ucindezela okhiye besikhwama semali sasolwandle, futhi ukhiphe imali enkulu, esebenzisa imali yakho yesibonelelo futhi, ngaphezu kwemikhawulo, idinga i-PIN noma i-South African Reserve Bank (SARB).
Isilinganiso yinani lerandi ngesikhathi lihamba. Uma leyo R2 million yeBitcoin kamuva ikhula ibe izigidi ezi-3 zamarandi phesheya kolwandle awukaqedi umkhawulo wakho. Okwasala ngu-R2 million. Inzuzo yenzeka ngakolunye uhlangothi lomngcele, futhi isibonelelo sike sabalwa ukuwela.
Yingakho futhi imvelo yomphathi we-Bitcoin yenza izikhulu zithuke, ukushuba kwesimo engisusa kuso I-Bitcoin njengempahla ephethe eNingizimu Afrika. Isheya lihlala ku-Strate ngokumelene negama lakho kanye nemizila yokudlulisa ebhange ngomthengisi ogunyaziwe ongayalelwa. Ukhiye oyimfihlo awukwenzi lokho. Alikho irejista ongaseshwa, akekho umdayisi ongamyala futhi akukho okubhalwe ileja noma yikuphi okunegama lakho kuyo. Ungakwazi ukuthwala inani lezwe uwele umngcele ngamagama ayishumi nambili ekhanda, futhi i-rulebook yango-1961 ayizange imcabange lowo muntu.
Okusalungiswa kuka-2026 okungabhala kabusha umthetho wendawo
Konke okungenhla kuchaza umhlaba njengoba ususebenzile. Uhlaka lwe-Capital Flow Management Regulations, olushicilelwe ngo-Ephreli 2026 ukuze luthathe indawo ye-1961 Exchange Control Regulations ngokuqondile, luhlongoza ukuguqula umhlaba ongaphansi kwawo. Isithombe esigcwele singaphakathi ukuthi Isabelomali sika-2026 siyiletha kanjani i-Bitcoin ekulawuleni ukuhwebelana, kodwa ingxenye ethinta isibonelelo yile.
Okusalungiswa kuchaza kabusha imali eyinhloko ukuze kufakwe izimpahla ze-crypto ngokucacile, kuqeda ingxabano mayelana nokuthi i-Bitcoin iyimali noma inhloko-dolobha ngokumane imemezele ukuthi iyimali. Bese ibeka imithetho ye-crypto ngokumelene nomkhawulo onqunyiwe uNgqongqoshe Wezezimali azowubeka kamuva ngesaziso kuGazethi esikhundleni sokuphikisa izibalo ezijwayelekile zama-R2 wezigidi kanye nezigidi eziyi-R10. Ngaphezu kwalowo mkhawulo, ukuthengiselana kwe-crypto kuyodingeka kudlule kumhlinzeki wesevisi yempahla ye-crypto ogunyaziwe, ukubamba kuyodingeka kumenyezelwe kuMgcinimafa zingakapheli izinsuku ezingamashumi amathathu, futhi ukukhipha i-crypto ezweni ngaphandle kwemvume kuzovinjelwa ngokuqondile. Funda ngokwezwi nezwi, eminye yale misebenzi izoluma amathransekshini angasuki nakancane eNingizimu Afrika.
Lokho kufundwa kokugcina yilokho okulwa nemboni yakuleli. Izinkundla ezinkudlwana zicele ngokusemthethweni uMgcinimafa ukuthi ahlukanise i-crypto egcinwe kumhlinzeki wendawo onelayisensi njengempahla yasogwini, ukuze ukuthenga nokukhulisa isikhundla se-Bitcoin ekhaya kungadli buthule kube yisibonelelo esihloselwe ukuthola imali eya kwamanye amazwe. Iyindawo elungile futhi ihambisana nendlela yonke impahla ephethwe endaweni isivele isebenza ngayo. Ukuthi i-Treasury iyakwamukela umbuzo ovulekile ka-2026, futhi kuze kube yilapho imithetho yokugcina ifika impendulo eqotho yokuthi i-Bitcoin yendawo iyakuthinta yini isibonelelo sakho ithi: namuhla cha, kusasa bukela lesi sikhala.
Kunohlangothi lwesibili lohlaka olufanele ukuhlaba umkhosi, ngoba lushintsha isimo sombuso wonke kunokuba nje izinombolo. Lapho izimpahla ze-crypto ziphucwa umbuso, okusalungiswa kuzophoqa umnikazi ukuthi anikeze amaphasiwedi namakhodi adingekayo ukuze uwalawule, futhi abahambi bangacelwa emngceleni ukuthi bamemezele ukubamba futhi bakhiqize imishini ewaphethe. Ngempahla evamile ebhalisiwe lokho kuyisinyathelo sokuphatha. Kumuntu ophethe impahla kuwukuhlwitha ngokwako, futhi kuyisikhumbuzo sokuthi isici esifanayo esenza i-Bitcoin ihambe kalula yisici izwe esizama kakhulu ukuzungeza izingalo zaso. Izijeziso ezihlongozwayo zinenhlawulo efinyelela ku-R1 million noma inani le-crypto ehilelekile, kuye ngokuthi iyiphi enkulu, kanye neminyaka emihlanu ejele. Lokhu okusalungiswa futhi ukusunduzwa kwemboni bekunomsindo, ngakho-ke inguqulo yokugcina ingase ithambe, kodwa indlela yokuhamba ayingabazi.
Iwindi lokuphawula lavalwa maphakathi no-2026 futhi imithetho yokugcina yayingakafakwa kugazethi ngesikhathi sokuloba. Ngakho-ke sisegebeni elixakile phakathi kwenhloso emenyezelwe kanye nomthetho olungisiwe, okuyisikhathi esifanele sokuqaphela esikhundleni sobuhlakani.
Ngizoyisebenzisa kanjani i-allowance manje
Umbono wami, ngemuva kokwenza lokhu kusukela ngo-2016, ukuthi i-SDA ephindwe kabili iyisipho sangempela futhi umnyakazo ohlakaniphile wabantu abaningi ukuwushiya ngokuphelele umngcele. Uma uno-R20 million ongawufaka ku-Bitcoin, indlela ehlanzekile wukuyibeka endaweni enelayisensi yaseNingizimu Afrika lapho ihlala khona njengempahla yasekhaya, ihlale ngaphandle kwazo zonke izibalo zezibonelelo futhi ikushiye ungenalutho ongamemezela kwaFinSurv. Izibonelelo zaphesheya kwezilwandle zikhona ngosuku onesizathu sangempela sokuthumela imali, umqaphi wangaphandle omfuna ngokukhethekile noma uhlela ukuthuthela kwelinye izwe, futhi ngalolo suku u-R2 million no-R10 million ulindile.
Iphutha engilibonayo abantu abagijimisa izinhlamvu zemali phesheya ukuze bathole inkululeko nokudala inkinga yokulawula ukushintshana lapho kungekho khona. Ukuzigcina ekhaya kusemthethweni futhi kujwayelekile. Ukukhipha ngaphandle ngaphandle kwemvume kuyisilwane esihlukile, futhi ngibeka imiphetho yakhona yokuthobelana phakathi umhlahlandlela wokuthobela umthetho wabanikazi beBitcoin baseNingizimu Afrika.
Akukho kulokhu okuyiseluleko. Imithethonqubo isalungiswa, izinkantolo zinikeze izimpendulo eziphikisanayo embuzweni wokuthi yini i-Bitcoin engaphansi kokulawulwa kokuhwebelana, futhi amaqiniso akho azogoba impendulo ngezindlela i-athikili evamile engeke yakwazi. Engingakusho ngokusobala ukuthi uhlaka lwezibonelelo luklomelisa isiyalo esifanayo nakho konke okunye kulesi sikhala okwenziwayo: thenga ngesiteshi esinelayisensi ukuze irekhodi lokuthenga lihlanzeke, gcina amanani erandi efayeleni futhi unqume ukuthi uyawadinga ngempela yini izinhlamvu zemali phesheya ngaphambi kokuba uhambise isihlalo esisodwa uwele umngcele. Uma ukala indawo ye-Bitcoin ye-offshore yanoma yimuphi usayizi wangempela, bhukha ucingo lwesakhiwo futhi sizokuqhathanisa nezibonelelo zakho ngaphambi kokuthi kuhambe noma yini.
Imibuzo ejwayelekile ukubuzwa
Ithini I-Single Discretionary Allowance ngemva kwesabelomali sika-2026?
Isabelomali sika-2026 siphinde kabili iSingle Discretionary Allowance sisuka esigidini esi-R1 saya ku-R2 million ngomdala ngamunye ngonyaka wekhalenda, okuwukunyuka kokuqala kusukela ngo-2011. Ungakwazi ukuyisebenzisela noma iyiphi injongo yomthetho phesheya kwezilwandle, okuhlanganisa nokuthenga i-Bitcoin ngemali yangaphandle, ngaphandle kwemvume yentela evela ku-SARS. Ngakho-ke umbhangqwana oshadile uno-R4 million phakathi kwawo, kanti ingane ngayinye endala ehlala entela ithwala u-R2 million ohlukile.
Ngabe ngidinga imvume ye-SARS ukuze ngisebenzise isibonelelo sika-R2 million?
Cha. I-Single Discretionary Allowance ihamba ngaphandle kokuvunyelwa kwentela futhi akukho sicelo kuqala. Ibhange lakho livele likuqophe ngokuphikisana nomkhawulo wakho wonyaka. Imvume ingena ngaphezu kwezigidi ezimbili zamarandi kuphela, lapho i-Foreign Capital Allowance engu-R10 million idinga i-PIN yeSimo Sokuthobela Intela esebenzayo evela ku-SARS ngenqubo Yokuvunyelwa Kokudluliselwa Kwamazwe Ngamazwe. Ngaphezu kwezigidi eziyishumi nambili zamarandi ihlangene, imvume yeBhange Lombuso nayo iyadingeka.
Ingabe ukuthenga i-Bitcoin endaweni yesikhulumi sendawo kusebenzisa isibonelelo sami sasolwandle?
Hhayi njengoba imile imithetho. I-Bitcoin ithengwe ngerandi kumhlinzeki waseNingizimu Afrika onelayisensi futhi igcinwe lapho ayilokothi iphume ezweni, ngakho-ke kuwumsebenzi wasekhaya futhi ayithinti i-SDA noma i-FCA yakho. Isibonelelo sisebenza kuphela uma uthumela izinhlamvu zemali noma irandi phesheya kolwandle. Uhlaka lwemithetho ka-2026 lubeka lokhu ngaphansi kokubuyekezwa, yingakho imboni icindezela ukuthi i-crypto ephethwe endaweni iqinisekiswe njengempahla yasogwini.
Ngingakwazi ukusebenzisa i-SDA yami ukuthenga i-Bitcoin phesheya kolwandle?
Yebo. Ungakwazi ukukhipha imali efinyelela ezigidini ezi-R2 phesheya ngaphansi kwe-SDA yakho futhi uthenge i-Bitcoin ngemali yangaphandle, noma uhambise i-Bitcoin osuvele unayo esikhwameni semali yasogwini, futhi zombili zibala ngokumelene nesibonelelo senani lerandi ngosuku ephuma ngalo. Uma kamuva ithokozela i-offshore awuzange wephule umkhawulo, ngoba isibonelelo silinganisa lokho okuweqe umngcele, hhayi lokho okukhule kwaba yikho kamuva.
Hlela indawo yakho ye-Bitcoin ye-offshore ngendlela efanele.
I-SimplB isiza abantu baseNingizimu Afrika ukuthi bathenge, bavikele futhi bahlele i-Bitcoin ngendlela ehambisanayo, njengoMmeleli Wezomthetho we-CAEP Asset Managers (FSP 33933).
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