Icala Lenkantolo Yasebhange Elivamile: Okushiwo Ukubusa kwe-SARB Bitcoin Kubatshalizimali baseNingizimu Afrika

INkantolo eNkulu yaseNingizimu Afrika ikusho ngokusobala ukuthi i-Bitcoin akuyona imali, futhi i-Reserve Bank isichithe unyaka izama ukuyiqeda. Leyo mpi inegama nenombolo: I-Standard Bank of South Africa v South African Reserve Bank, yanqunywa ePitoli ngoMeyi 2025. Lokhu ukufunda kwami okwenzeka ngempela kuleso sahlulelo, ukuthi i-Reserve Bank yayijahani ngempela, nokuthi isinqumo sisho ukuthini kuwena uma ubambe i-Bitcoin lapha ngo-2026.

Empeleni icala belimayelana nani

Inguqulo edumile yale ndaba inamaqiniso abheke phansi. I-Standard Bank kwakungesona isigebengu esinqabela noma ubani ukuthi ahwebe ngeBitcoin. I-Standard Bank iyona efake isicelo, futhi imali yekhasimende layo kwakuyimali esongelwa.

Inkinga iqale ngebhizinisi elibizwa ngeLeo Cash and Carry. NgoJulayi 2019 uMnyango Wezezimali Webhange Lombuso wavula buthule uphenyo ngeqoqo lezinhlangano ezihambisa i-Bitcoin offshore, i-LCC phakathi kwazo. Ngomhla zingama-28 kuFebhruwari 2020 i-FinSurv yayala i-Standard Bank ukuthi imise ama-akhawunti e-LCC ngaphansi kwemithetho 22A kanye no-22C, ngezinsolo zokwephulwa kokulawulwa kokuhwebelana. Izinombolo ngemuva kwalokho kusola bezingencane. Umbiko we-PwC obekwe phambi kwenkantolo wathola ukuthi i-LCC yayithumele i-Bitcoin engu-4,405.9783, eyayibiza cishe izigidi ezingu-R556 ngaleso sikhathi, ekuhwebeni kwamanye amazwe i-Huobi Global phakathi no-2019, okwakuyizingxenye ezintathu kwezine zakho konke eyayikuthumela lapho.

Ngakho ibhange labanjwa phakathi. AbakwaFinSurv babefuna kuphucwe izimali njengenzuzo yokuthekelisa ngokungemthetho imali. I-LCC ithe ayikho imali eyake yathunyelwa kwamanye amazwe, ngoba i-Bitcoin ayilona uhlobo lwento imithetho ka-1961 eyake yabhalwa ukuze ibanjwe. I-Standard Bank icele inkantolo ukuthi ithathe isinqumo, ngoba ibhange elikhipha izimali ezishisiwe i-Reserve Bank ngokuhamba kwesikhathi liyibiza ngokungemthetho yibhange elinenkinga enkulu.

Yonke le mpikiswano iphendule umbuzo owodwa olula ngokukhohlisa. Uma uthenga i-Bitcoin ngamarandi bese uyithumela phesheya, ingabe usuyikhiphile imali noma i-capital ngaphandle kwezwe, noma usuthuthile into umthetho ongakabi nazwi ngayo?

Lokho okwanqunywa yiNkantolo eNkulu yasePitoli

Isinqumo siphume mhla ziyi-15 kuNhlaba wezi-2025. U-Motha J, ohlezi oPhikweni lwaseGauteng ePitoli, usebenze ngemithethonqubo emibili ngokulandelana.

Owokuqala kwakuwumthethonqubo 3(1)(c), okhuluma ngemali. I-Reserve Bank yaphikisa ngokuthi i-Bitcoin iyithuluzi elivumela ukukhokha ngemali engeyona ithenda esemthethweni lapha, nokuthi ngesikhathi amarandi engena esikhwameni se-crypto alahlekelwa uhlamvu lwawo kanye nenani lerandi, emshweni weBhange Lombuso, lalahleka unomphela eshidini lebhalansi laseNingizimu Afrika. Inkantolo ayizange incengwe. Igolide nezibambiso kanye nama-banknotes angenisiwe akubandakanyi i-Imali yekhripto, ijaji libambe, bese likubeka ngokungagwegwesi njengokwahlulela njalo. I-Imali yekhripto akuyona imali. Ukuyifunda njengemali ngokwelula incazelo yemali yakwamanye amazwe, ngokwamazwi enkantolo, kwakunzima futhi kwakungenakwenzeka. Ukube i-Bitcoin bekuyimali, izikhwama ngokwazo bezingase zifakwe, futhi ngokusobala azikwazanga.

Owesibili kwakuwumthethonqubo we-10(1)(c), ophathelene nemali kanye nokuthunyelwa kwamanye amazwe kwelungelo lemali. Lapha ijaji lincike emthethweni osumisiwe wokuthi imithethonqubo edala izinhlawulo zobugebengu nezokuphatha kumele ifundwe ngendlela elinganiselwe. Kunoma yikuphi ukwakhiwa, futhi ngokuqinisekile kuqinile, i-Imali yekhripto yawela ngaphandle kwencazelo yemali. Ukudliwa kwehlulekile.

Okungenziwa yinkantolo kubaluleke kakhulu njengalokho ekwenzile. Ayizange imemezele ukuthi i-Bitcoin ayilawulwa noma ingafinyeleleki kuhulumeni. Ithole igebe.

Ijaji lichaze i-lacuna yokulawula futhi lathi, ngamagama amaningi, ukuthi uhlaka olukhuluma nge-Imali yekhripto seludlule isikhathi eside, ukuthi izinkantolo azikwazi ukubhala kabusha umthetho ukuze zimboze impahla ePhalamende engakaze icatshangwe, nokuthi lokhu kuwumsebenzi wesishayamthetho hhayi ibhentshi. INingizimu Afrika ibuswa ngentando yeningi ngokomthethosisekelo elawulwa umthetho, ukwahlulela okuphawuliwe, futhi ukwehlukaniswa kwamandla akusona isiqubulo esingagudluzwa lapho umlawuli ethola amagama akhona engalungile.

Lowo mehluko uyiphuzu lonke. I-Reserve Bank ayizange ilahlekelwe ngoba i-Bitcoin ayinamthetho. Ilahlekelwe ngoba i-rulebook yango-1961 yayibhalelwe umhlaba wamabhange nemingcele futhi ayizange icabange ngempahla ethwalayo ezihambelayo. Ngikhipha ukupakisha ukuthi kungani ifa elifana naleli liphula imodeli endala kumsuka wayo ucezu lwami kuBitcoin njengempahla ephethe emthethweni waseNingizimu Afrika.

Kungani i-Reserve Bank ingazange ikuvumele ukuthi ime

Ukulahlekelwa yileli cala kwalahlekisela i-Reserve Bank imali engaphezu kweyodwa. Iveze imishini.

Ukulawulwa kokuhwebelana kuleli zwe kuncike ekucabangeni okukodwa osekubambe iminyaka engamashumi ayisithupha: konke ukugeleza kwevelu okuwela umngcele kudlula kumdayisi ogunyaziwe, okusho ibhange, okusho isikhungo umbuso ongasifundisa. Amamanyuwali wabathengisi abagunyaziwe namanje awakuvumeli ukudluliswa kwemali yangaphandle ngenjongo ecacile yokuthenga i-crypto. Uhloselwe ukusebenzisa isibonelelo sakho sokuzikhethela esisodwa noma imali yakho yemali yakwamanye amazwe, ne-PIN yokuthobela intela evela kwaSouth African Revenue Service (SARS) lapho kusebenza khona isibonelelo esikhulu, futhi ibhange liqinisekisa leyo phinikhodi ngaphambi kokuthi kukhishwe isenti. Leyo sistimu isebenza kahle kuze kube yilapho inani liyama ukudlula ebhange. Umuntu onamagama ayishumi nambili agcinwe enkumbulweni akanaye umdayisi ku-loop futhi akanayo ne-PIN yokuqinisekisa, futhi i-Reserve Bank iyayazi. Yingakho ukulahlekelwa kwahlaba. Yayingekho imali elinganiselwa ku-R556 million. Kwakuyimbobo odongeni.

Isinqumo sesibili esavula kabusha yonke into

Ukube indaba iphele ngoMeyi 2025 ngabe umthetho ubuzolungiswa, noma ngabe iReserve Bank ibingakuthandi lokho. Akugcinanga lapho.

Ngomhla lu-1 kuNhlangulana wezi-2026 iNkantolo Ephakeme ehlukile yanquma ukuthi uMangundhla kanye ne- Another v South African Reserve Bank, futhi emaqinisweni aphambi kwayo, yabamba ukuthi i-Bitcoin yayiyimali kanye nenhloko yezimali ngezinjongo zokulawula ukuhwebelana. Isinqumo asizange sihlukanise ngesizotha icala langaphambili. Ibize isinqumo seStandard Bank ngokusobala ukuthi asilungile. Izinkantolo ezimbili zokuma okulinganayo, ezihlalelene kancane ngonyaka, manje zime ezinhlangothini ezihlukene zombuzo oyisisekelo impahla engabhekana nayo. Kuze kube yilapho inkantolo ephakeme ikhuluma, isinqumo sangaphambili sihlala singumthetho omuhle, kodwa akekho oweluleka amaklayenti ongenza sengathi isisekelo siqinile. Ngiqhubekela phambili ngokuthi amabhentshi amabili afinyelela kanjani izimpendulo eziphikisanayo, nokuthi kungani ukudideka kuthembekile kunokungafaneleki, ukubuka kwami ukuthi ubufakazi bubonisa ukuthini mayelana nomthetho we-Bitcoin lapha.

UMnyango Wezezimali uzama kanjani ukuqeda ingxabano

Amajaji angavumelani esidlangalaleni ajwayele ukugxila emiqondweni yesishayamthetho. Kulo mbuzo isivele ikwenzile lokho.

Isabelomali sika-2026, esilethwe ngo-25 February 2026, simemezele ukuthi izimpahla ze-crypto zizolethwa kuhlaka lokulawulwa kokugeleza kwemali. UMgcinimafa wabe eseshicilela uhlaka lwe-Capital Flow Management Regulations, ukushintshwa okugcwele kombuso we-1961 esikhundleni sesiqephu kuwo, okuvulekele umphakathi ukuba uphawule ngawo phakathi no-2026. Uhlaka lwenza lokho kanye okwashiwo yinkantolo yasePitoli ukuthi isishayamthetho kuphela esingakwenza: sibhala izimpahla ze-crypto encazelweni yemali enkulu, ngakho-ke igebe lesahlulelo esitholakele livalwa ngomthetho esikhundleni sokuchazwa. Uma lokho okusalungiswa kuba umthetho, ukunqoba kwe-Standard Bank kuba ilukuluku lomlando. Umbuzo wokuthi ngabe i-Bitcoin ifanelana namagama amadala iyeka ukubaluleka, ngoba kuzoba namagama amasha akhelwe wona. Ngibhale ngokwehlukana mayelana nokuma kwalolo hlaka nokuthi yini engayifuna kubalondolozi abajwayelekile, futhi kufanelekile ukufunda ngaphambi kokuthi ucabange ukuthi inkululeko yamanje ingeyaphakade, ukuthi kusho ukuthini Isabelomali sika-2026 nge-Bitcoin nokulawula ukushintshanisa.

Kusho ukuthini lokhu uma ubamba i-Bitcoin manje

Khipha izingcaphuno futhi ukuma okungokoqobo kuncane kunokubukeka.

Uma uthenga i-Bitcoin ngamarandi kumhlinzeki welayisensi waseNingizimu Afrika futhi uyigcine lapha, akukho kulokhu okuthintayo. Lokho kungumsebenzi wasekhaya kusukela ekuqaleni kuze kube sekugcineni, awulokothi weqe umngcele futhi akukho ukufundwa kwanoma yimuphi umthethonqubo, owamanje noma okusalungiswa, kuwuphendula ugeleza ogwini.

Ukungaqiniseki kuhlala ngokuphelele embuzweni wemingcele, futhi lapho kuyiqiniso. Ngokomthetho wanamuhla isinqumo se-Standard Bank esiphethe kanye nezinhlamvu zemali akuyona imali, ngakho-ke ukudluliswa kolwandle akubanjwa. Emthethweni wakusasa, kungakhathaliseki ukuthi ngesizathu sikaMangundhla esiphumelele ekudlulisweni kwesinqumo noma ngohlaka lwemithethonqubo ephasiswayo, lokho kudluliselwa okufanayo kungase kuphindwe kuthiwe ukuthengiswa kwempahla ngaphandle okungagunyaziwe, izinhlamvu zemali zichayeke ekudliweni futhi umuntu echayeke kokubi kakhulu. Ukuhambisa i-Bitcoin emngceleni ngo-2026 kuwukubheja ukuthi iyiphi inguqulo yomthetho esindayo, futhi ngeke ngibheje iklayenti ngaphandle kokubheka kahle isimo salo kuqala.

Ngakho iseluleko sami sokuma asizange sinyakaze. Thenga endaweni yangakini, ngamarandi, ngomhlinzeki onelayisensi yangempela, ukuze irekhodi lakho lokutholwa lihlanzeke kusukela esenti lokuqala futhi isikhundla sakho sihlezi ngaphakathi kwendawo yokulawula yaseNingizimu Afrika. Gcina amarekhodi afakazela ukuthi imali yavelaphi nokuthi izinhlamvu zemali zashonaphi. Khona-ke, uma ucabanga nganoma yini ethinta umngcele, buza ngaphambi kokwenza okuthile kunokuthi ngemva kwalokho. Ukubamba okuhlanzekile kwasekhaya kuyingxenye eyodwa yale ngxabano elula, futhi ihlala ilula ngokuqondile ngoba ayilokothi ishiye izwe. Ngibeke isithombe esibanzi sokuthobela imithetho, kusukela ku-Financial Sector Conduct Authority (FSCA) kuya ku-SARS kuya lapho kuphokophele khona ukulawula ukuhwebelana, umhlahlandlela wami wokuthobela imithetho ye-Bitcoin eNingizimu Afrika.

Isinqumo kufanele sifundwe ngokugcwele uma le mibuzo ikugcina ungalali ebusuku. Uma ungathanda ukuthi othile olandele lokhu kusukela ngo-2016 akutshele ukuthi isikhundla sakho sihlala kuphi, leyo yingxoxo engiba nayo namakhasimende masonto onke. Ungakwazi bhukha ikholi yesakhiwo seBitcoin futhi sizoyibheka ndawonye, eyodwa kuya kwesinye, uma sengizwile ukuthi empeleni ubambe ini nokuthi ufuna iye kuphi.