Haɓaka tashin hankali na cryptocurrencies ya sake fasalin yadda muke tunani game da kuɗi da saka hannun jari. Yayin da waɗannan kudaden dijital ke ci gaba da ɗaukar hankalin masu zuba jari da masu sha'awar sha'awa, wani yanayi mai ban sha'awa ya bayyana: yiwuwar zuba jari a cikin cryptocurrencies ba tare da buƙatar siyan su kai tsaye ba. Kwanaki sun shuɗe lokacin siyan Bitcoin, Ethereum ko wasu cryptocurrencies ita ce hanya ɗaya tilo don shiga duniyar ban sha'awa ta saka hannun jari a cikin kadarorin dijital. A cikin wannan labarin, za mu bincika dabaru daban-daban da hanyoyin da ke ba masu zuba jari damar shiga cikin kasuwar cryptocurrency ba tare da siyan tsabar da kansu ba.
Menene saka hannun jari na crypto kai tsaye?
Idan ba ku son buɗe asusu akan musayar cryptocurrency da siyan cryptocurrencies, ba ku da sa'a. Kuna iya saka hannun jari a kaikaice a cikin cryptocurrencies, inda zaku fallasa kanku gare su ba tare da siyan su da kanku ba. Ana yin saka hannun jari a kaikaice ta hanyar amfani da hanyoyin gargajiya kamar hannun jari, kuɗaɗen juna, da kuɗin musayar musayar (ETFs). Bugu da ƙari, akwai fa'idodi da rashin amfani da za a yi la'akari da su, kamar tsaro, kudade, da haɗarin asara. Lokacin da ka sayi cryptocurrency ta hanyar wani ɓangare na uku, wannan ɓangare na uku zai sami kuɗi ta wata hanya, don haka ya kamata ku yi la'akari da hakan yayin yanke shawarar ko ya kamata ku sayi cryptocurrency ta amfani da saka hannun jari kai tsaye.
1. Crypto ETFs da kudaden zuba jari
Kudaden saka hannun jari shine hanya ta farko don siyan cryptocurrencies ba tare da siyan su kai tsaye ba. Ɗaya daga cikin fitattun mahalarta a farkon wannan kyauta shine Grayscale Bitcoin Trust (GBTC). Ko da yake yana aiki daidai da ETF, bisa doka yana da nau'in nau'i daban-daban. Koyaya, saka hannun jari a cikin GBTC ta hanyar asusun dillali zai sami irin wannan sakamako don siyan asusun Bitcoin. Farashin zuba jari zai tashi da faɗuwa tare da farashin kasuwa na Bitcoin. Babban koma baya na Grayscale shine kashi 2% na kashe kuɗi. Suna kawai cajin 2% don siyan Bitcoin kuma su adana shi a cikin walat da sunan ku. Za mu iya yin shi da kanmu cikin sauƙi ba tare da biyan wani kwamiti na 2% mai gudana ba. Sauran kudade sun haɗa da ProShares Bitcoin Strategy ETF (BITO), Valkyrie Bitcoin Strategy ETF (BTF), VanEck Bitcoin Strategy ETF (XBTF), Global X Blockchain & Bitcoin Strategy ETF (BITS), da Bitwise 10 Crypto Index Fund (BITW). Kudade da saka hannun jari sun bambanta dangane da asusun da muka zaba, don haka ka tabbata ka karanta abubuwan da ake so a hankali kuma ka san abin da kake samu.
Ayyukan Greyscale Bitcoin Trust (GBTC). Source: Grayscale.
2. Cryptocurrency da blockchain hannun jari
Idan kuna son siyan hannun jari wanda ke nuna ku ga cryptocurrencies, zaku iya zaɓar tsakanin kamfanonin da ke aiki a cikin masana'antar blockchain da kamfanonin da ke saka hannun jari a cikin cryptocurrencies ko kuma suna da su akan ma'auni. Kamfanoni a cikin masana'antar cryptocurrency suna tsunduma cikin haƙar ma'adinai na cryptocurrency, haɓaka software, da sauran ayyuka. Ayyukan sun haɗa da Riot Blockchain (RIOT), Kan'ana (CAN), AIVE Blockchain Technologies (HIVE) y Bitfarms (BITF). Coinbase (COIN) da Microstrategy (MSTR) biyu ne daga cikin mafi girma kuma mafi gane hannun jari na cryptocurrency. Yawanci, lokacin da aka sami koma baya a farashin cryptocurrency, yawancin hannun jari na cryptocurrency suma suna kokawa. Rike waɗannan haɗarin a zuciya lokacin siye kuma la'akari da yin aiki tare da amintaccen ƙwararren kuɗi idan kuna da wasu tambayoyi game da shawararku ko tsare-tsaren saka hannun jari.
Microstrategy (MSTR) YTD Quote. Source: Google Finance.
3. Ladan Katin Zauren Crypto
Hanya ta ƙarshe don cike walat ɗin cryptocurrency ba tare da buɗe wallet ɗin fiat ɗinku ba tana tare da ladan katin zare kudi. Katuna da yawa suna ba ku damar samun cryptocurrency lokacin da kuka shafa, taɓawa, tsoma, danna, ko yin wani abu don amfani da katin zare kudi azaman biyan kuɗi. Daga cikin keɓaɓɓen katunan zare kudi na cryptocurrencies, da BlockFi Rewards Visa Sa hannu, da Gemini Credit Card da Haɓaka Bitcoin Rewards Visa fito waje. Canjin Crypto.com, Nexo da Coinbase kuma suna ba da katin lada. Wasu katunan, kamar SoFi Personal Debit Card ko Venmo Debit Card, suna ba da zaɓuɓɓukan fansa masu sassauƙa, gami da cryptocurrency. Lokacin da kuka sami crypto a matsayin ladan katin zare kudi, kuna saka hannun jari a cikin crypto ba tare da siyan crypto ba. Ko da ya ragu da daraja, ba za ku biya kuɗin crypto ba, don haka duk abin da kuke ɗauka shine riba.
Amfanin katin zare kudi na Nexo. Source: Nexo.