Kusan kusan duk tarihin ɗan adam kudi sun taka muhimmiyar rawa a cikin ci gaban kowane nau'in kasuwanci, har ila yau yana tasiri siyasa da al'adun wani yanki. Kuma har zuwa yau, kuɗaɗe daban-daban da ake da su a duniya suna da mahimmiyar rawa a rayuwarmu ta yau da kullun. Amma tare da bayyanar fasaha da kuma duniyar lissafi, abubuwa da yawa sun canza, gami da yadda muke kallon kuɗi.
Daya daga cikin fa'idodi waɗanda duniya mai fa'ida ta gabatar shine cewa ka'idodin doka ba su wanzu ba saboda wannan, dalilin da yasa kasuwa ta daidaita da bukatun masu amfani; kuma daya daga cikin sanannun halittu sune agogon da aka yi, amma tare da wannan lokacin shakku ya tashi, kamar abin da suke, yadda suke tasowa, abin da ke wanzu da wane motsi za a iya yi da shi; don haka don bayyana duk waɗannan shakku mun rubuta wannan labarin.
Mene ne wannan?
Kudin kama-da-wane, Nau'in kuɗaɗen dijital ne waɗanda cibiyoyin kuɗi na yau da kullun ba sa tsara shi, kuma masu haɓaka ne ke bayar da shi kuma suke sarrafa shi. Baya ga gaskiyar cewa dole ne membobin wannan su yi amfani da wannan nau'in na karɓa kama-da-wane al'umma. Wannan ma'anar ta fito ne daga babban bankin Turai, amma don sanya shi a cikin mafi sauƙi za mu iya cewa waɗannan kuɗaɗen kuɗi nau'in kuɗi ne na dijital da ba a bayarwa ta bankunan tsakiya ko kuma ta kowane hukuma jama'a, kuma ana amfani da wannan kuma mutane na al'ada sun yarda dashi azaman hanyar biyan kuɗi don kaya ko aiyuka.
Yanzu, tare da shudewar lokaci da karuwar shaharar wadannan kudaden, akwai gwamnatocin da suka yi kokarin tsara su; kuma wasu basu ba da izinin ko ayyana su azaman kuɗaɗe ba, wannan sun yi don iya tsara yadda yakamata harajin da waɗannan ke nunawa "Tididdigar kuɗi". Koyaya, wannan yana nufin cewa ba a ɗaukar kuɗin ɗaya daidai da na wani, wanda ya sa ba zai yiwu ba a fassara ma'anar kuɗin kama da "waje".
Koyaya, don dalilai masu amfani za mu rike kuɗin kama-da-wane azaman kuɗin waje. Amma dole ne mu bayyana cewa akwai nau'ikan 3 na agogo masu kama-da-wane. Wasu suna rufe agogo na kama-da-wane, wasu kuma suna kwararar kudi ne ta hanya guda, kuma a karshe muna da kudin canza kamala, bari muyi nazarin kowannensu.
Kudin kama-da-wane na rufewa
A kan wasu dandamali na kan layi akwai wasu nau'ikan kuɗin kama-da-wane hakan yana aiki ne domin mu haɓaka sayayya ta kamala; Misali zai zama wasan bidiyo, wanda zamu iya samun tsabar kudi a ciki; amma duk da haka waɗannan kuɗaɗe ba su da wata alaƙa ta kai tsaye da duniyar gaske. Wato da irin wannan kuɗin ba za mu iya aiwatar da ma'amaloli na kayan zahiri ba.
Ananan kuɗaɗe tare da tsabar kuɗi suna gudana ta hanya guda
Irin wannan tsabar kudin shine wanda a ciki akwai ainihin kuɗi don cinikin kuɗi na kama-da-waneKoyaya, ba zai yiwu a canza daga kuɗi na kama-da-wane zuwa ainihin kuɗi ba. Misalin wannan nau'in kuɗin kama-da-wane na iya zama walat daban-daban waɗanda kamfanoni ke ba abokan cinikin su don bayar da lada kamar "maki" waɗanda daga baya za su iya musanyawa da kayan.
Wani misalin wanda zai iya zama wannan nau'in agogo na kama-da-wane Su ne katunan da aka biya na wasu dandamali kamar su apostare, wanda muke shigar da kuɗi na gaske don haka tare da kuɗaɗen kuɗi za mu iya sayan kayan kamala irin su fina-finai ko aikace-aikace iri-iri. Kodayake irin wannan kuɗin yana ba ku damar siyan kaya iri-iri ta hanyar intanet, suna da iyakance cewa ba za mu iya canzawa daga kama-da-wane zuwa kudin gaske ba, amma nau'in kuɗin da ke tafe, wanda shi ne ya fi ba mu sha'awa, idan ta ba shi damar .
Canza agogo mai kama da ido
Este nau'in agogo na kama-da-wane Su ne waɗanda za su iya gudana a cikin hanyoyi guda biyu, duka daga ainihin zuwa kuɗin kuɗi da akasin haka. Wannan nau'in kuɗaɗen shi ne yake ba mu damar aiwatar da ma'amaloli, da kuma aiwatar da canjin kuɗi. A cikin wannan nau'ikan kudin kama-da-wane za mu iya samun nau'ikan nau'ikan 2 daban-daban, cryptocurrencies da waɗanda ba rufaffen ɓoyayyen su. Bari muyi la'akari da kowane ɗayan waɗannan.
Ta ma'ana, cryptocurrency shine kudin dijital cewa abin da ake kira crypto shine don samun damar kare ma'amaloli daban daban baya ga kuma kare ƙirƙirar sabbin kuɗaɗe. Wannan nau'in kudin shine mafi aminci kuma mafi kyau, saboda yana bawa kudinmu damar zama masu tsaro, ban da wannan, ta hanyar kyale ma'amaloli daban-daban na kuɗin lantarki, zai sauƙaƙe yawancin hanyoyin da muke aiwatarwa.
Wadanda ba haka bane cryptocurrency suna da haɗarin zama gurɓatacce, sata har ma da wani da ke da ƙwarewar kwamfuta. Wannan shine dalilin da yasa basu da amfani sosai. Amma har zuwa yanzu komai ya zama mai sauƙi, agogo na kamala waɗanda ke da ƙimar gaske; Koyaya, waɗannan nau'ikan kuɗaɗen suna haifar da ƙalubale ga cibiyoyin da aka yi amfani dasu don tsara duniyar zahiri kawai.
Kalubalen
Kalubalen da ire-iren wadannan tsabar kudi Suna gabatarwa galibi ga bankunan tsakiya, waɗanda ke da alhakin bayar da kuɗi na zahiri. A gefe guda, wannan ma kalubale ne ga cibiyoyin tsara dokoki a cikin sha'anin kuɗi. Zuwa ga hukumomin gwamnati da ke kula da tsara yankunan kudi kamar su Ma'aikatar Kudi. Amma waɗannan ba su kasance masu motsi ba, amma sun yi wasu ƙa'idodi na doka waɗanda suka ci gaba ta hanyoyi daban-daban, bari mu bincika wasu abubuwan da suka fi fice.
Taron farko da za mu ambata shi ne na 20 ga Maris, 2013, wanda Jagoran Baitul Malin Amurka ya inganta cewa cibiyar sadarwar laifuffukan kuɗi sun ba da jagora inda aka bayyana yadda dokar bankin Amurka ta shafi waɗannan mutanen. wanda ya kirkira, ko musaya, ko watsa shi abubuwan da aka saba da shi. A bayyane yake wannan ƙoƙari ne na hana kuɗaɗen kuɗi su zama sananne sosai.
A cikin 2014, mahaɗan da aka sani da Securities and Exchange Commission yayi gargadi a ɗayan hanyoyin sadarwa, haɗarin dake tattare dashi agogo mai kama da Bitcoin. Bugu da ƙari mun ga cewa cibiyoyin kuɗi suna da sha'awar hana faɗaɗa irin wannan kuɗin.
Kuma gaskiyar ita ce cewa dokoki ba a shirye suke su tsara waɗannan kasuwannin ba. Koyaya, tunda wannan nau'in kuɗin ya sami karɓuwa a tsakanin mutane, gwamnatoci sun ƙare da karɓar amfani da wannan nau'in kuɗin. Kuma sun yi ƙoƙari su daidaita halayensu tare da magana game da duniyar zahiri. Kuma wannan shine yadda a yau, kasuwannin bitcoin suna da darajar miliyoyin daloli.
Yanzu da mun fi fahimtar abin da kudin kama-da-wane yake da yadda aka tsara da kuma yaduwar wannan kudin, bari mu kara sanin kadan game da kudaden da ke akwai, farawa da bitcoin, babu shakka mafi shahara.
Bitcoin
Bitcoin Kud’i ne wanda ya samu karbuwa daga jama’a gaba daya; wannan tsabar kudin an haifeta ne a shekara ta 2008. Kuma muna bashin wanzuwar ta Satoshi Nakamoto, Wanda gudummawar sa ya haifar da ra'ayin wannan kudin ya wanzu.
Wani abu mai matukar ban sha'awa game da wannan tsabar kudin shine kodayake kusan duk wanda ke da ilimin da ya dace na iya ƙirƙirar ɗayan waɗannan tsabar kuɗin, wani abu ne wanda a tsawon lokaci ya zama mai rikitarwa saboda gaskiyar cewa duka algorithms da haƙar ma'adinan da dole ne a aiwatar da su sun fi rikitarwa.
Ya kamata a lura cewa wannan cryptocurrency shine farkon wanda ya fito kuma lambar ta tana da rikitarwa, kodayake, lokacin da aka fitar da lambar asalin ta don ya zama ɓangare na ƙungiyar software ta kyauta, sauran hanyoyin canji sun fito.
PeerCoin girma
Scott Nadal da Sunny King ne suka kirkiro PPCoin; Abu mai mahimmanci game da wannan tsabar kuɗin shine cewa shine farkon wanda ya haɗu da hujja na matsayi da hujja na aiki, wanda ke nuna cewa PeerCoin yana cin ƙananan kuzari, don haka babu iyakantattun tsabar tsabar kudi da za'a iya ƙirƙirawa. Wannan bambanci daga Bitcoin yana ba shi fa'idar gasa mai yawa.
Ripple
Wannan kuɗin yana da ban sha'awa sosai saboda yana amfani da a yarjejeniya banda bitcoins, wanda ke ba shi damar zama canjin canjin da aka rarraba, wanda kuma hanya ce ta biyan kuɗi, kuma a lokaci guda yana da kuɗin kama-da-wane. Wannan yanayin yana ba shi damar samun fa'idodi masu yawa don iya yin yawancin motsi.
Litecoin
A ƙarshe, za mu ambaci na biyu mafi mashahuri kudin kama-da-wane, Litecoin; Wannan kuɗin an ƙirƙira shi a cikin 2011 ta Charlie Lee, kuma an ba shi shaharar wannan kuɗin, ana ɗaukarsa na biyu mafi kyawun shirye-shiryen Bitcoin. Amma duk da cewa shine na biyu mafi mashahuri kudin, yana da wasu fa'idodi akan Bitcoin, saboda azaman aiki yana amfani da wasu rubutun da za'a iya amfani dasu ta hanyar CPU. Saboda wannan, yana da ƙarni masu yawa na tubalan fiye da bitcoin. Yana da mahimmanci a ambaci cewa a halin yanzu yana darajar dala miliyan 201.8.