Kungani Ukubamba Isikhathi Eside Kube Yisu Le-Bitcoin Elithembeke Kakhulu

Njalo iwindi leminyaka emine emlandweni we-Bitcoin liphelile ngaphezu kwalokho elaqala, kuhlanganise namafasitela avuleke eziqongweni zomjikelezo. Leso akusona isithembiso ngekusasa futhi angisoze ngasithengisa njengesinye. Irekhodi, futhi irekhodi lisho into efanayo njalo lapho othile ezama ukulidlula ngobuhlakani: isandla sesiguli sishaya esimatasa. Yingakho ngicela amaklayenti ukuthi abone umkhathizwe ngaphambi kokuthi ngiwacele irandi.

Bengikwenza lokhu eNingizimu Afrika kusukela ngo-2016, futhi iphethini ayikashintshi.

Iklayenti elisungule ukuthenga futhi likushiye lodwa cishe njalo liqeda ngaphambi kwalowo obukele ishadi, lidayiswe ngesihloko esisabekayo bese lichitha iminyaka emibili lisebenza kanzima ukuze lithenge futhi ngaphezu kwalokho elilithengisile. Akekho kubo owayehlakaniphe kunomunye. Babenolwazi olufanayo nokufinyelela okufanayo kulo. Omunye wamane wenqaba ukwenza isinqumo imakethe elokhu ijezisa abantu ngokusenza. Enye yayiqhubeka iyenza, ijikeleza ngemva komjikelezo, futhi iyikhokhela isikhathi ngasinye.

Kungani ukuhlukaniswa kwesigamu kwenza isikhathi sibe nzima

Njalo emabhuloki angu-210,000, asebenza cishe njalo eminyakeni emine, inani le-bitcoin entsha ekhokhelwa abavukuzi ngebhulokhi ngayinye inqunywa phakathi. Lokhu kubhalwe kuphrothokholi futhi alikho ikomiti elingakwazi ukulihambisa. Ukwehliswa ngohhafu kukhinyabeza ukuhamba kwezinto ezintsha ngedethi ongayimaka kudayari yakho eminyakeni ezayo. Engeke ikutshele ukuthi imakethe izogcina nini inani lokushoda, noma ukuthi ukuhamba kuzohamba ibanga elingakanani uma isiqalile.

Bheka lapho iziqongo zehlele khona. Umsebenzi womjikelezo we-Fidelity ubeka iziqongo zakamuva cishe ezinsukwini ezingama-526 kuye kwezingama-546 ngemuva kokuhlukaniswa kwawo, kanti ukuphakama kuka-Okthoba 2025 eduze kwama- $ 126,000 kwafika ngaphakathi kwalelo windi eliqageliwe. Iwusizo uma ubheka emuva. Akunamsebenzi njengomyalelo wokuhweba, ngoba ibhande elibanzi liwumehluko phakathi kokuthengisa unyaka ngaphambi kwesikhathi nokuthengisa izinyanga eziyisithupha sekwephuze kakhulu, futhi womabili lawo amaphutha abizayo agqoke njengesiyalo.

Ukushoda kungokoqobo futhi kunesakhiwo. Isikhathi sayo siwukuqagela. Lelo gebe phakathi kwalokho okuqinisekiswa yiphrothokholi nalokho okungekho muntu ongakuqinisekisa yilapho kanye amasu okuhweba asebenzayo ehlukana khona. Ngingena kokuthi kungani ama-swings ngokwawo engenasici okushiwo ukuguquguquka kweBitcoin empeleni.

Lokho okuboniswa yirekhodi lesikhathi sokubamba

Qala ngokudonsela phansi, ngoba kuyinani lokungena futhi ukwenza sengathi akusizi muntu. I-Bitcoin ibhekane nokuwa okuningi okungaphezulu kuka-50%, eziningana zazo zidlule kuma-80%. Ukuwa kuka-2014 kufinyelele inani eliphakeme kakhulu lama-76%. Ibhere lika-2018 lithathe cishe u-57% futhi lahlala ingxenye engcono yonyaka. Noma ubani okutshela ukuthi ukugibela kuhamba kahle uqamba amanga noma akakaze afike isikhathi eside. Ukuze uhlale phakathi kwalabo ngaphandle kokuthengisa, udinga isizathu sokubamba esindayo esikrinini esigcwele okubomvu, okuyinto ehluke ngokuphelele kunethagethi yentengo.

Manje bamba kokubili okuhlangenwe nakho ndawonye. Umtshali-zimali othenge eduze nenani eliphakeme lika-December 2017 lemali engaba ngu-$19,000 ubuke intengo yopha cishe ku-$3,200 ekupheleni kuka-2018. Lowo unyaka ononya wokuba ngumnikazi wanoma yini. Owabamba walulama kwase kuba okunye. Lowo owathengisa eduze kwaphezulu, ezithembisa ukuthi uzothenga futhi ngemali ephansi, wabhekana nenkinga akekho okuxwayisa ngayo: okuphansi kuyabonakala kamuva. Izinkulungwane ezintathu zamaRandi zazizwakala njengesiqalo sokuphela lapho sinyathelisa, hhayi ukuthengiselana. Abathengisi abaningi balinde ubufakazi bokuthi ukubuyiswa bekungokoqobo, futhi ubufakazi buhlala bufika ngentengo ephezulu kunephansi.

Ngemuva kwalokho ukugijima kuka-2020 kuya ku-2021 kwahamba ngokushesha kangangokuthi abantu ababethengisiwe ngo-2018 bawuchitha bebuka kulayini wokuthinta njengoba i-Bitcoin ivunguza phezulu futhi iqhubeka nokukhuphuka. Alikho ishadi elithwebula izindleko zalokho. Kukalwa ngokuzisola, kanye nezinhlanganisela zokuzisola zimbi kakhulu kunanoma iyiphi imali.

Bengineklayenti eGeorge elenze lokhu kanye emjikelezweni ka-2021. Wathengisa iningi lesikhundla esinempilo ekuqaleni kuka-April ngoba i-akhawunti elandelwa kahle ku-X yayibiza phezulu, wazithembisa ukuthi uzothenga amaphesenti angamashumi amabili aphansi, wabe esebuka intengo igaya eceleni futhi ikhuphuka esikhundleni sokumphoqa. Ngesikhathi evuma ukuthi idiphu abeyilindile yayingafiki, wayesethenga ngenhla kwalapho edayisele khona. Uyindoda ecophelelayo, esebenza kahle kwezohwebo, futhi akukho kulokhu okwamsindisa esinqumweni esisodwa isu elikhona lokusisusa. Lapho esungula ukuthenga okuhleliwe kwanyanga zonke ngemva kwalokho futhi wayeka ukubuka, imiphumela yakhe yaba ngcono buthule, hhayi ngoba imakethe yashintsha kodwa ngenxa yokuthi wayenza.

Iphutha licasha ku-arithmetic

Kunesizathu sezibalo esenza umhwebi alahlekelwe, hhayi nje isizathu semizwa. Izimbuyiselo zanyanga zonke zeBitcoin yilokho abacwaningi abakubiza ngenhlonipho nge-fat-tailed kanye ne-right-skewed: izinyanga ezinhle zombili zivame kakhulu futhi zidlulele kakhulu kunezimbi. Ithimba le-Fidelity lilebula lokhu kuguquguquka okuhle, umfanekiso wesibuko semakethe endala ethi mayelana nezitoko ezithatha izitebhisi zikhuphuke futhi zikhuphuke. I-Bitcoin ijwayele ukwenza okuphambene, iletha izinzuzo zayo ngokuqhuma okuzumayo okunodlame.

Leso sici esisodwa sidiliza buthule ikesi lokuhweba. Ngenxa yokuthi i-upside ifika ezinsukwini ezimbalwa ezingalindelekile, umtshali-zimali ongena futhi ophumayo uhlala ephuthelwa izikhathi eziphethe yonke imbuyiselo. Hlala ngaphandle kwamasonto amabili okungalungile futhi unyaka uhambile. Ukuziphendulela kukaFidelity kwafinyelela esiphethweni esizwakala sicace kakhulu ukuthi singakufanelekela ukukhokhelwa: umshayeli omkhulu womphumela omuhle kwaba isinqumo sokwehla ku-zero futhi uhlale utshaliwe. Akuyona intengo yokungena. Akuwona umthombo wezimali. Ukuba semakethe nje lapho kufika izinsuku ezimnandi.

Ngakho-ke, ukuthengisa ukuze ugweme ukudonsela phansi akukhona ukulawula ubungozi. Kungukubheja ukuthi ungakwazi ukuvika izimpophoma ngaphandle kokugwema izinsuku ezibalulekile, futhi akekho okhombisile ukuthi angakwenza lokho ngokwethembeka kabili.

Imakethe ikhokhela ubukhona, hhayi ubuhlakani.

Izindleko zokungalungile, kabili

Ukuhweba okusebenzayo kuthwala izindleko isiguli asikwenzi. Konke ukuthengwa nakho konke okuthengiswayo kweqa ukusabalala. ENingizimu Afrika yonke into echithwayo iyisehlakalo esikhokhiswa intela, inzuzo yemali ezuziwe kufanele imenyezelwe, futhi uma uhweba njalo ngokwanele i-South African Revenue Service (SARS) ingaphatha ibhizinisi lonke njengemali engenayo esikhundleni semali futhi intela ngamanani emali engenayo. Ukubamba iminyaka eminingi kususa okuningi kwalokho kungqubuzana ngokungashintshi.

Izindleko ezinkulu azilungile. Umhwebi othengisa ngaphambi kokugijima aphinde athenge ngaphezulu ukhiyele izindleko ezimaphakathi ezimbi kakhulu kunomuntu ongakaze athinte isikhundla. Yenza lelo phutha kanye futhi liyahlaba. Kwenze uwele imijikelezo emibili, okuyiyona kanye into ukwesaba ovame ukuyikhiqiza, futhi ukuhudula inombolo yakho yokugcina kukhulu. Lesi isicupho esifanayo sokuziphatha engithulula kuso ukwesaba ukuphuthelwa yi-Bitcoin, kubonakala ohlangothini oluthengisayo kunohlangothi lokuthenga.

Akukho kulokhu okushiwo ukuhweba i-Bitcoin akunakwenzeka. Abanye abantu benza kahle. Umbuzo oqotho ukuthi ingabe unalo yini ulwazi, isimo sensimbi kanye namahora amahhala okuncintisana namadeski angenzi lutho olunye usuku lonke. Kubantu abaningi baseNingizimu Afrika ababambe umsebenzi nomndeni, impendulo eyiqiniso ithi cha, futhi ngingamane ngikusho lokho kunokuba ngikuthobe ngeqhinga elikubizela imali buthule.

Indlela imakethe ekhulayo eshintsha ngayo isithombe

Kukhona okushintshile kulo mjikelezo, futhi kufanelekile ukuqanjwa ngokwethembeka kunokubambelela embhalweni omdala. I-Bitcoin yaphasa imali yemakethe elinganiselwa ku-$2.5 trillion ngasekupheleni kuka-2025. Manje isinkulu ngokuphindwe kaningi futhi ijulile kunalokho eyayiyikho ngeziqongo zango-2017 noma ngo-2021, ngemali yesikhungo ephikelelayo engena ngama-ETF akhona kanye nengcebo yezinkampani. Lobo bukhulu budambisa amaswing. Abahlaziyi baqophe ukwehla okusha kwesikhathi sonke ekuguquguqukeni konyaka owodwa ekuqaleni kuka-2026, izinyanga ngemuva kokukhuphuka kwentengo okusha, okungeyona indlela i-Bitcoin encane eyayiziphatha ngayo.

Isiphetho esivivinyayo esivela kubantu abakala lokhu ukuthi isigqi sakudala seminyaka emine sokushaywa phezulu okulandelwa ukugoqeka okungama-80% singase sithambe sibe okuthile okufana nempahla enkulu ekhulayo ejabulela umugqa ongenalo udlame. Ngibambe lowo mbono ngokukhululekile, ngoba imijikelezo emibili ayenzi mthetho futhi ngibuke i-Bitcoin ihlazisa izibikezelo eziqinisekayo ngaphambili. Uma iyingxenye yelungelo, iqinisa ikesi lokubamba kunokulenza buthaka. I-cline emnene kulula kakhulu ukuhlala kuyo kunewa, futhi yonke impikiswano yokubekezela yayihlale iwukuthi impahla ivuza umuntu ohlala esihlalweni.

Yeka indlela yesikhathi eside ebukeka ngayo ekusebenzeni

Isikhundla sesikhathi eside sinezingxenye ezimbili ezihambayo. Thola i-Bitcoin ngezindleko ezijwayelekile, bese uyivikela kahle iminyaka ohlose ukuyibamba. Zombili zilula kunalokho abantu abakulindele futhi akudingi ukuthi ubikezele noma yini.

Isilinganiso sezindleko zeRandi sisingatha ukuthenga. Inani lerandi elingaguquki ngesikhathi esimisiwe lisho ukuthi ngokuzenzakalelayo ucosha i-Bitcoin eyengeziwe lapho intengo iphansi futhi incane uma iphezulu, futhi izindleko zakho ezimaphakathi ziba phakathi kuyilapho uqhubeka nempilo yakho. Isusa isinqumo esisodwa esinzima kakhulu ekutshaleni imali, okuwukuthi ucindezela nini inkinobho, bese isinikeza ishejuli. Ngibeke icala eliphelele phakathi Isilinganiso se-iDola sibe yi-Bitcoin. Izinhlelo zokonga ziqala ku-R1,000 ngenyanga, indawo yokungena yangempela kunenombolo yokumaketha.

Ukuzigcina ngokwakho kusingatha ukuvikela. I-Bitcoin esele ekuhwebeni ithwala ingozi yomunye enyamalalayo lapho ubambe okhiye bakho, futhi ukubamba okukalwe ngeminyaka akumele kuncike ekucabangeni ukuthi noma iyiphi inkundla enikeziwe isazoncibilika uma ufuna ukubuyiselwa kwemali yakho. Ukuzigcina ngokuqondisisa kuqala uma usuwele u-R10,000, lapho ukubamba okhiye bakho kuqala ukuthola umzamo wakho wokusetha. Izikhundla ezinkudlwana zithethelela i-Vault, isakhiwo se-multisig lapho kungekho khiye owodwa ongahambisa i-Bitcoin iyodwa.

Isu lilula. Isiyalo sokuyibamba ngemakethe yamabhere amade asikho, yingakho isizathu osiphethe sibala kakhulu njengomakhenikha. Umkhathizwe yisinqumo osithatha kanye. Njengoba ngikubeka kumakhasimende, ngiboleka ulayini kusuka I-The Strategic Reserve, ukuqagela kukalwa ngamashadi amanani futhi isu lokugodla likalwa ngamashumi eminyaka. Uma ungathanda ukuthi lowo mkhathi umiswe kahle, kusukela emalini yokuqala yokudonswa kwemali kuze kube usuku lapho okhiye bahlala khona nawe, qala uhlelo lwakho lwe-Bitcoin lapha futhi ngizoyakha ngesikhathi esibekiwe ongasigcina.