Izimali Zomdabu Zihamba Kancane Futhi Zimba eqolo. I-Bitcoin ayiyona enye.

Imali eku-akhawunti yakho yasebhange ihamba ngesivinini sefeksi kusukela ngo-1985. Akusona isifenqo leso. Uma uthumela inkokhelo kumphakeli wasolwandle, akukho mali ehamba noma kuphi; umlayezo uyahamba, weqa phakathi kwamabhange anama-akhawunti awodwa, futhi inani lihlala ekuthuthweni kwezinsuku ngenkathi umlayezo uthola indlela yawo. I-Bitcoin ikhokhela inkokhelo efanayo kunethiwekhi evulekile cishe ihora, nganoma yiliphi ihora, ngaphandle kokucela imvume yochungechunge lwabaxhumanisi. Lesi siqeshana sichaza ukuthi kungani ama-rails amadala ehamba kancane, yini ngempela i-Bitcoin eshintshayo nokuthi lokho kushiya kuphi ibhizinisi laseNingizimu Afrika namuhla.

Kungani inkokhelo ewela umngcele ithatha izinsuku?

Uma ukhokha umphakeli waphesheya kwezilwandle, imali yakho ayihambi iye kuye. Umlayezo uyakwenza. Alikho ibhange lomhlaba elilodwa, ngakho ibhange lakho line-akhawunti nebhange laphesheya, elingase libe ne-akhawunti kwelinye ibhange eliseduze nomphakeli wakho, futhi inkokhelo iyimiyalo edluliswa kulolo chungechunge kuze kube yilapho othile efaka i-akhawunti ekugcineni. Imboni ibiza lo mbhali ngebhange. Umjaho we-relay oqhutshwa yizikhungo ezigcina amahora amabhange.

Konke ukunikezwa kulowo msakazo kubiza isikhathi nemali. Inethiwekhi yemiyalezo abayisebenzisayo ukuze badlulise imiyalelo yakhiwa emashumini eminyaka edlule ukuze kube nomhlaba ongasheshi. Ibhange ngalinye ochungechungeni lwengeza inkokhiso, lisebenzisa isilinganiso salo sokushintshaniswa kwemali futhi licubungule uhlelo lwalo, okusho ukuthi inkokhelo ayipheli njalo ngezimpelasonto futhi wonke amaholide omphakathi elihlangana nawo endleleni. Akekho ovilaphayo kulelo ketanga. Yilowo nalowo wenza umsebenzi wakhe ngewashi lakhe. Ukubambezeleka akuyona inkinga yobuchwepheshe. Isakhiwo esenza khona kanye lokho esasiklanyelwe ukukwenza esikhathini esingaphambi kwe-inthanethi.

Ukulinda akukhona mahhala ngenkathi kwenzeka. Ukukhokhwa kuwo wonke uhlelo lwendabuko kuthatha izinsuku noma amasonto ngokusebenzisa izingqimba ezimaphakathi zokwethembana nokususwa, futhi phakathi naleyo nkathi imali yakho yokusebenza akuyona eyakho noma eyakho. Ibhajwe epayipini. Irandi lingakwazi ukukuhambela ngaphambi kokuthi lifike endaweni yokukhokha. Umnqamulajuqu wokuthumela ungadlula. Futhi unobungozi bokuthi omunye umuntu osebenza naye endaweni ethile ochungechungeni ahluleke ukuletha imali ngaphambi kokuthi kufike imali, ukuvezwa okudalwa yi-sattlement lag bese kuthi buthule izandla kuwe.

Ebhizinisini elihamba kancane, lokhu akukona ukuphazamiseka. Yintela yokuhlela.

Ngibuke iklayenti liphethe i-invoyisi izinsuku ezinhlanu.

Umphakeli phesheya wayefuna inkokhelo kusulwe ngaphambi kokukhulula ukuthunyelwa. Ibhange licaphune izinsuku zebhizinisi ezimbalwa, kwabe sekufika iholidi phakathi neketango futhi lezi zinsuku ezimbalwa zaba ingxenye yesonto, kwathi ngesikhathi imali ifika irandi labe selinciphile futhi inani iklayenti elalicabanga ukuthi livumelene ngalo lalingaselona inani elilikhokhile. Akekho owenza okubi. Uhlelo lusebenze ngokunembile njengoba luklanywe, okuyiphuzu lonke. Uma umklamo uthatha imilayezo edluliswa phakathi kwezikhungo ngezikhathi zomsebenzi, ukubambezeleka akukona ukwehluleka kohlelo. Yisistimu.

Inkinga yokuthunyelwa kwezimali yimbi kunenkinga yohwebo

Izinkokhelo zohwebo zihamba kancane. Imali ethunyelwayo ihamba kancane futhi iyathandeka. Isisebenzi saseGoli esithumela imali ekhaya emndenini ngaphesheya komngcele silahlekelwa ucezu lwayo olubalulekile ezinkokhelweni futhi sisakazeke ngaphambi kokuba kufike isenti, futhi izindleko zehla kakhulu emananini amancane kakhulu ngoba izindleko ezimisiwe azinciphi ngokudluliswa kwemali. Ukuthumela imali ngaphakathi nangaphandle kwezwekazi lase-Afrika sekunesikhathi eside kuphakathi kwamaphaseji abiza kakhulu emhlabeni. Abantu abasebenzisa lawo maphaseji ngokuvamile yibona abangakwazi ukukhokhela ukuvuza.

INingizimu Afrika yengeza ungqimba lwayo phezulu. Ukuhambisa imali ngaphesheya komngcele akuyona into yamahhala; kunesibonelelo saminyaka yonke, amaphepha okufakazela ukuthi uhlale ngaphakathi kuyo kanye nohlaka lweBhange Lombuso olubuka ukugeleza. Angimelene nalokho kubheka ngokomthetho.

Noma yiluphi uhlelo olubucayi lwezezimali kufanele luphoyise ngokuxhaphaza imali futhi luvikele isisekelo sentela. Inkinga yincane kunalokho abagxeki abakushoyo. Izinsimbi ezithwala imali esemthethweni ziyizinsimbi ezifanayo ezihamba kancane futhi ezibizayo, ngakho umsebenzisi othembekile ugcina ekhokhe inani eliphelele lesistimu eyakhelwe ukubamba ongathembekile. Ubuchwepheshe obungcono ngeke bukwenze buthaka ukwengamela. Bekuzovele kuyeke ukujezisa abantu abangakaze bahloswe.

Yini i-Bitcoin eshintsha ngempela mayelana nokukhokhelana

I-Bitcoin isusa i-relay. Inani lihamba ngqo kunethiwekhi evulekile engavaleki, futhi inethiwekhi ifinyelela esimweni esisha okuvunyelwene ngaso ngokwesilinganiso njalo ngemizuzu eyishumi, imini nobusuku, ngempelasonto nangeholide lomphakathi, kusukela ngoJanuwari 2009. Ukudluliswa kwemali phakathi kweGoli neLondon kuyimpahla efanayo ehlala cishe ihora kunoma yisiphi isayizi, kungekho muntu phakathi nendawo oyibambayo, ukuyibambezela noma ukusabalalisa endleleni. Awekho amahora okubhanga ngoba alikho ibhange. Alikho iwindi elivulayo ngoba akukho ndlu ecwebileyo.

Ushintsho olujulile yilokho okwenzekayo uma selifikile. Inkokhelo yasebhange ingahlehliswa, imiswe noma ifakwe izinzipho emuva kwalokho, yingakho nje uhlelo luthatha isikhathi eside ukuyethemba kwasekuqaleni. Ukuthengiselana okuqinisekisiwe kwe-Bitcoin kungokokugcina. Angeke ikwazi ukuhlehliswa, ikhuliswe noma iphinde ihlelwe kabusha yinoma isiphi isiphathimandla, futhi uma ihlala isikhathi eside igqitshwe ngaphansi kwamabhulokhi akamuva yilapho kubiza ngokungenangqondo ukuyikhulula. Leyo yimali yomhlaba wonke yendawo engakaze ibe nayo: ukukhokha okungenamuntu, isikhalazo futhi akukho ukweqa kokuphatha. Kungakho ngilokhu ngithi i-Bitcoin isondele emalini kunokudluliswa kwebhange, umehluko engiwubeke kuwo I-Bitcoin njengempahla ephethe.

Cabangela ukuthi ukubambezeleka okungokwesiko kuthengani ngempela. Lezo zinsuku azichithwa kuthuthwa imali, ngoba akukho mali enyakazayo; zisetshenziswa ekwakheni ukuzethemba okwanele phakathi kwezikhungo ukuthi umyalelo ohlehlayo ungathathwa njengokuqediwe. Isakhiwo sonke sobudlelwano bokuxhumana, izikhathi ezinqunyelwe kanye namafasitela okuhlanza akhona ukuze kukhiqizwe, kancane kancane futhi ebizayo, isiphetho esikhiqizwa yi-Bitcoin Ibhulokhi ngokwayo emizuzwini eyishumi. Uma inkokhelo ingenakuhlehliswa, awusadingi izinsuku zokwethenjwa kwesikhungo ukuze ume ngemuva kwayo. Izindleko nokulinda bekuhlale kuyintengo yokubuyisela emuva, futhi uma isinxephezelo sesiphelile leyo ntengo ivele inyamalale. Le ngxenye ethatha abantu isikhathi ukumunca, ngoba siqeqeshwe ukuthi sicabange ukuthi ukunensa kuyacophelela futhi ukushesha kuwubudedengu, lapho emalini ewela umngcele ukunensa bekungamvikeli othumele. Kwakuvikela amabhange komunye nomunye.

I-Bitcoin ayilona ithuluzi elilungile layo yonke inkokhelo. Inethiwekhi eyisisekelo ihweba ngamabomu okokusebenza ukuze kuvikeleke futhi ixazulule inani elilinganiselwe lemisebenzi ngebhulokhi ngayinye, evumelana nokukhokhwa kokudluliswa kwemali okukhulu kangcono kunokuthenga ikhofi. Ezinkokhelweni ezincane, ezisheshayo, zansuku zonke, impendulo iyisendlalelo phezulu. I-Lightning Inethiwekhi ivumela inani lisuke ku-Iketanga futhi libuyele kungqimba oluyisisekelo lapho amaqembu ekhetha, ukuze izinkokhelo ezincane zicace ngamasekhondi ngezindleko ezinganakwa. Ake ngiqonde: Umbani usebalazweni lami lomgwaqo kumakhasimende e-SimplB, hhayi isevisi engiyiqhuba bukhoma namuhla. I-logic yokukhokha engezansi i-on-Iketanga futhi iyatholakala manje.

Lapho i-Bitcoin isivele izuza indawo yayo eNingizimu Afrika

Icala eliwusizo kakhulu engilibonayo alikona ukuthumela imali enkulu. Imayelana nokuletha imali ngokuhlanzekile. Ngozakwethu bokubulala abalawulwayo, ikhasimende lingathola izimali ezithunyelwa njenge-Bitcoin zivela phesheya futhi inani likhokhelwe ku-akhawunti yasebhange yaseNingizimu Afrika ngokushesha okukhulu naseduze nezinga lemakethe langempela kunalokho obekungavunyelwa yishaneli yokuhwebelana yangaphandle. Imali eshiya i-akhawunti yase-Europe futhi ifika lapha ngemizuzu kunezinsuku, ngenani elifana nesilinganiso sesikrini esikhundleni sokunwetshwa, isipiliyoni esihluke ngempela kunoma ubani osebenzisa imali engenayo yamazwe ngamazwe.

Ngicabanga ngeklayenti elithile lapho ngichaza lokhu: umeluleki waseGeorge okhokhelwa inkampani yase-Europe, ekhathele ukubuka inkokhiso yenyanga ngayinye incipha ngokusabalala kwebhange nokulinda izinsuku ukuze ziphele. Ukuletha leyo mali engenayo ngaphezu kwesitimela se-Bitcoin kuxazulule isivinini nokusabalala ngendlela efanayo. Iwuhlobo lokuwina okungokoqobo okungahlangene nokuqagela nakho konke okuhlobene nokungakhokhiswa intela buthule emalini oyizuzayo.

Kunomkhawulo othembekile, futhi ngikusho ngaphambi kokuba noma ubani asayine noma yini. Lesi sakhiwo sihambisana nemali engenayo yokusebenza kangcono kakhulu kunokuba ifanele ukubuyisela imali yokutshala imali emuva phesheya kolwandle ngokuhamba kwesikhathi. Uma uletha imali ngale ndlela bese uzama ukuthumela izimali ngokusebenzisa uhlelo lwendabuko lwamazwe ngamazwe, amabhange namaqembu athobela imithetho azobheka irekhodi elingenayo elifana, futhi ukungena kwe-Bitcoin akushiyi njalo irekhodi elibhaliwe abalilindele. Ukuxazulula inkinga yokukhokha namuhla kungadala inkinga yasebhange ngonyaka ozayo uma ungazange wenze imephu yohambo oluphelele lokuya nokubuya. Umsebenzisi omuhle ukutshela lokho ocingweni lokuqala, hhayi olokugcina.

I-Bitcoin nokuthobela akuzona izitha

Kukhona ingxabano ekhathele yokuthi i-Bitcoin kanye nomthethonqubo kuhlezi ezinhlangothini eziphambene zetafula. Ayigcini ngokuxhumana nendlela ubuchwepheshe obusebenza ngayo ngempela. I-Bitcoin iyinethiwekhi yokukhokha. Umthethonqubo uwuhlaka lokubamba iqhaza okusemthethweni. Okukodwa kuhambisa inani, enye ilawula ukuthi ubani ongayihambisa nokuthi irekhodwa kanjani, futhi kokubili kuphilisana kahle ngesikhathi uyeka ukuphatha isivinini sokukhokha njenge-lophole bese uqala ukuyithatha njengengqalasizinda.

Okudingwa yiNingizimu Afrika akukhona ukuvinjelwa futhi akukhona ukungaboni ngaso linye. Idinga imithetho eqaphela lokho okungenziwa isixazululi sokugcina esisheshayo futhi yakhe izindlela ezisemthethweni zohwebo olusemthethweni kanye nokugeleza komgcinimafa ukukusebenzisa. Amabhizinisi azolokhu efinyelela ojantshi abasheshayo, abashibhile nomaphi lapho bebathola khona, ngoba ingcindezi ewaphushele lapho ayipheli. I-Reserve Bank kanye ne-FSCA bangamela lolu hlaka njengoba luthuthuka, futhi ngincamela ukusiza amakhasimende asebenze ngaphakathi kulo ngokucacile kunokuba ngiwabuke ethuthuka ngakulo. Icala elibanzi lokuthi kungani isistimu emaphakathi iqhubeka nokuhluleka abasebenzisi bayo yileyo engiyenza kuyo lokho okushiwo irekhodi, kanye nezizathu zezimali ukuthi i-Bitcoin ibamba inani ngenkathi ihlezi ihlanganisiwe I-Bitcoin njengemali ezwakalayo.

Imali esheshayo iza noma ngayiphi indlela.

Okuwukuphela kombuzo wangempela ukuthi ingabe imithetho iyahlangabezana yini nayo noma ilandela ngemuva kwayo, futhi lokho ukukhetha kwenqubomgomo kuneyobuchwepheshe. Ubuchwepheshe buyasebenza kakade. Isebenze, ibhulokhi emva kwebhulokhi, ngaphezu kweminyaka eyishumi nesikhombisa.