I-Bitcoin yinto ehamba phambili yezemali

I-Bitcoin ayilona ibali elide, kodwa linomdla. Le ngqekembe yemali kunye nazo zonke ezinye ezivele emva kokuphuma kweyokuqala, sinokuthi xa iyonke sisimanga semali yedijithali;  Kuyabatyabula abatyali mali, ezoqoqosho, abenzi beenkqubo kwaye phantse wonke umntu ofundileyo okanye oqale amava abo okuqonda kweli candelo.

I-Bitcoin yeyokuqala kwaye ibaluleke kakhulu kwizimali ze-elektroniki okanye ezidijithali, yabona ukukhanya ngo-2009 kwaye isebenzisa umthetho olandelwayo we-P2P. Kukulungele ukwenza intlawulo zamanye amazwe okanye ukuthengiselana, njengoko kungadibaniswanga namaqumrhu olawulo okanye naliphi na ilizwe.

Ukusetyenziswa okunikiweyo ngekhe kuhambelane ngokuthe ngqo nesazisi somsebenzisi, ke ngoko ukungaziwa kwayo yenye yezona zinto zinomtsalane kwi-forex.

Inokufunyanwa njengentlawulo yempahla okanye yeenkonzo, okanye ithengwe okanye itshintshwe kwiindawo ezizodwa kwintengiso kunye notshintshiselwano lolu hlobo lwemali.

Inokufezekiswa ngokumbiwa kwemigodi, indlela equka ukusombulula iingxaki zemathematika ezintsokothileyo ngokuhlawulela intlawulo kwii-bitcoins. Ngemigodi, ukuthengiswa kwemali kuvunyiwe kwaye ukhuseleko lwenethiwekhi luyagcinwa.

NgoDisemba wonyaka ophelileyo, ngokwembali kwaye ngokumangalisayo, ixabiso le-USD 19 lidlulile, emva koko lehla ngaphantsi kweedola ezili-850 ngexeshana elifutshane.NgoJanuwari - 12 walo nyaka lalimalunga ne-USD 000 nangoLwesibini, ngoFebruwari 24 11, ehla enyuka phakathi kwama-114 - 13.

Ngexabiso elibi kakhulu, oku kukwenza ukuba uyijonge ngononophelo nangononophelo, kwaye ngaxeshanye ukuba imeko yayo ixoxwe nzulu kwimiphetho emininzi esele ifuna ukuphononongwa.

Kwimigangatho eyahlukeneyo yokhuphiswano iyagxekwa okanye ikhuselwe, kodwa ngamanqanaba okusebenza kwayo iyalukuhla isiqingatha sehlabathi.

Ukuba yinkqubo yemali emiselweyo apho kungekho lawulo ngqo lwalo naliphi na ilizwe okanye inkampani, iyonwabisa ngaphezu kwesinye kwaye akukho lula kangako ukuyeka ukuyijonga.

Amandla ayo okudlula mkhulu kangangokuba ihlala iququzelela kwaye ikhuthaza ukungqubana okungakumbi nangakumbi malunga nendlela yokujongana nale meko ye-cryptocurrencies.

Iialamu ziqala ukucima

Ukusukela ngalo mhla, phakathi ku-Februwari 2018, "i-Bitcoin" yinto yemfashini yezemali kwaye baqala ukungena kuluhlu; oorhulumente, amaziko kunye namaziko alumkisa nzulu malunga nomngcipheko wale mali.

I-China sele ingu-Septemba ophelileyo ibivimbele ii-ICOs (Umrhumo wokuqala weeNgqekembe), iindidi zemisebenzi esetyenziswa kwinqanaba leshishini ukufumana imali ngee-cryptocurrensets.

Okwangoku, eli lizwe sele linomdla wokuthintela ukufikelela kumaqonga otshintshiselwano aphesheya. Ngokwenxalenye yayo, uMzantsi Korea ubonakalisa iinjongo ezinzulu zokuziqikelela ngokuchasene nokusetyenziswa kwemali yedijithali.

Inkulumbuso yase-Bhritane ivakalise ukuba, ngokuqinisekileyo, amanyathelo othintelo aya kuthathwa ngokuchasene ne-cryptocurrensets ngenxa yemeko yabo yokuthelekelela kunye noloyiko lokusetyenziswa kwabo zizaphuli-mthetho.

I-Lloyds Bank, lelinye lawona maqela makhulu ehlabathini, sele evalile ukuthenga iimali zedijithali ngokusebenzisa amakhadi okuthenga ngetyala, nangona ingekabikho namakhadi eebhanki.

Uninzi lweengxilimbela zolu hlobo luxhalabile kakhulu malunga nokuwa okukhulu kwexabiso lezi mali, ngenxa yokungazinzi okukhulu; ezinokubangela ilahleko enkulu kubaxhasi bayo, ibabona kamva bengakwazi ukuhlawula amatyala abo.

I-Danske Bank, ibhanki yase-Danish, icebise kubasebenzi bayo ukuba bangathengisi ngee-cryptocurrensets, kwaye nangona kukodwa bengakhange bamisele ukuvalwa ngokusemthethweni, kodwa bathi bayibek'esweni imeko kwaye abayikhuphi amanyathelo athintelayo kungekudala.

IBhanki yaseMelika, ibhengeza abathengi bayo ngeenjongo zokuthenga iiBitcoins, ukuba basebenzise ulumkiso olukhulu kwaye balumke kakhuluUkunciphisa umda ekuthengweni kwemali yedijithali kwicandelo lotyalo-mali lwebhanki leziko lakho.

I-Nordea, isigebenga esikhulu sase-Yurophu, saye sathintela amawaka abasebenzi ukuba bafumane okanye bathengise iBitcoins, inyathelo eliza kuqala ukusebenza nge-28 kaFebruwari. Bayazithethelela ezo zithintelo ngokuthi zininzi kakhulu iingozi kwaye ngenxa yoko baqhubeke ukukhusela abasebenzi babo kunye nebhanki.

Ngokwenxalenye yayo, ingcebiso kubathengi icacile kwaye ithe ngqo, baxelelwa ukuba bangathengisi ngemali yedijithali, besithi i-bitcoin ayinangqondo ngokwayo kwaye iyayichasa yonke ingcinga.

I-CNMV "yeKhomishini kaZwelonke yeMakethi yoKhuseleko" ebeka iliso kwimakethi yezokhuseleko eSpain, yamkele ukukhathazeka malunga nemicimbi yeemali ezifihlakeleyo, kunye ikhuphe isindululo esinzulu kubathengisi beentengiso sokuba bangazithengi.

I-European Banking Federation ithe nangona ngeli xesha ingakhange imisele umthetho malunga nokusetyenziswa kweetcoins, ayikhuphi mthetho wokuba inokwenza oko kwixesha elizayo.

Kwaye noFacebook uzivalile iintengiso ezinxulumene nale mali yedatha, ikhankanya ukuba ihlala inxulunyaniswa nobuqhetseba.

Izizathu ezibangela izilumkiso

Makhe sitshintshe ezinye izimvo esele zikho kwaye zichazwe ziingcali, eziza kusivumela ukuba sithelekise inkcazo kunye neengcinga ezikhoyo, ezifuna amanyathelo othintelo ngokuchasene nefuthe le-bitcoin kunye nezinye iimali zohlobo lwazo.

• Imali iziphatha njengebhola yezemali okanye yokuqikelela.

Kwimeko enjalo, ixabiso liphuma ngokungaqhelekanga kude kwixabiso lalo lokwenyani.

Abathengi abaninzi banomdla ekuthengiseni ngamaxabiso aphezulu kwixa elizayo, kulandela ukubuyela umva de bafike kumanqanaba aphezulu kangangokuba i-bubble iphela ngokugqabhuka, ngequbuliso behlisa ixabiso kumanqanaba amancinci angaphantsi kunesiqhelo, eshiya ityala elikhulu.

Kungenzeka ukuba ibhabhu, ukuba ikho ngenene, sele iza kugqabhuka, njengoko ixabiso lithatha kwaye liwe ngamaxesha amancinci kwaye ngokukhawuleza kakhulu

• Inqaku elibaluleke kakhulu le-bitcoin namhlanje ngokuchanekileyo ubuthathaka balo.

Ukuzalwa kwayo ngo-2009, yacel 'umngeni njengengcamango, inokungazithembi ngokupheleleyo iibhanki kunye nabasemagunyeni, ekuthiwa babenoxanduva lokuqinisekisa uzinzo lwezezimali.

Kwi-bitcoin, akukho gunya likhoyo elinefuthe lolawulo kuyo.

Uninzi lukholelwa ekubeni ukuze kugcinwe ixabiso lemali, kufuneka lixhaswe ngamaziko anakho kwaye aphendule kubemi. Iibhanki eziphakathi kufuneka zisebenze njengabagcini bale ntembeko yoluntu ekufuneka ibekhona.

Ngale ndlela, i-bitcoin kunye nefilosofi yayo yobukho iyaphikisana.

Le mali inokuthi ithathelwe ingqalelo njengomngcipheko, ngenxa yemida yokhuseleko olunayo kubatyali mali nakubathengi.   

• Lixesha lokuba ungalumkisi nje kuphela, kodwa uphinde ulawule, ukuze kulawulwe uxinzelelo lwentelekelelo kunye nokunciphisa ukusetyenziswa kwayo ngendlela ethile. Iimali ezibonakalayo kufanele ukuba zixhomekeke kwimigaqo okanye izithethe ngendlela elungelelanisiweyo, efuna ukubonelelwa ngolwazi, ukunciphisa uxanduva kunye nokuqinisekisa ukuba izigqibo zabo bangaphantsi kwam ziphantsi komlawuli.
• Iidijithali zemali azifanelekanga kwaphela, xa ujonga ukwenza imisebenzi njengendlela yokuhlawula ekwabelwana ngayo okanye oovimba bexabiso.

Kubalulekile ukuba zombini iibhanki kunye nabasemagunyeni kwezemali bavavanye kwaye bafunde ikhonkco phakathi kweemali zedijithali kunye neemali zesintu, ukusukela kukho ithuba lokuba le yokugqibela ifezekise ubudlelwane be-parasitic kunye namaziko asisiseko enkqubo yezemali.

I-Bitcoin ngokwayo ibeka umngcipheko kwinkqubo nangona ubuncinci bayo buncinci kunye nokunxibelelana okumbalwa, imali yedijithali inokunyusa unxibelelwano lwayo nenkqubo yezemali, kwaye inefuthe elibonakalayo kwimo yayo.

• Yimali engafanelekanga ukuba ibe yinto enokwenzeka okanye enye indlela eya kwiimali zethenda zomthetho, okanye ungazamkeli ngokuchanekileyo njengeendlela zokuhlawula ngokuchasene namatyala ohlukeneyo okanye uxanduva. Ukujikeleza kwayo ngokulinganiselweyo kunye nokuhla okunyukayo kwexabiso laso kuthetha ukuba ayinakuqwalaselwa njengediphozithi yexabiso elisebenzayo okanye iyunithi ezinzileyo yeakhawunti.
• I-Bitcoin ayisiyo i-asethi elungileyo yotyalo-mali xa kuthelekiswa nezibophelelo kunye neestokhwe, ngakumbi xa kuthathelwa ingqalelo ukuxabiseka kwexesha elide. Oku ngaphandle kwento yokuba imali inyukile ngexabiso ngokuhamba kwexesha. Ayisoze ibe lutyalomali oluqinileyo.

I-Bitcoin ayikho kwi-prime yayo. Ukulindela kukhulu kwaye ayaziwa ngokwenyani ukuba sijongane nje nokuqhuma kwebhabhalaza ebesele lilindelwe, okanye inkqubo iyakulungiswa kwakhona kwaye yonke into iya kuba yinto yesiqhelo kwakhona.

Into ukuba inokuchazwa ngokuqinisekileyo ngokwaneleyo, kwaye yile nto umhlaba we-bitcoin kufuneka uhlalutye ngokupheleleyo kwaye uphinde uhlolisise isicwangciso sayo, ukunika inkxaso kwimali esele iyimfuneko.

Abanye bacinga ukuba yonke imeko yangoku yomthetho kunye nemida ethintelayo iya kugcina izuzisa kwimali, ivumela abantu ukuba babe nokholo ngakumbi kuyo, kubangele ukuba ixabiso lenyuke kwakhona.

Eminye imibuzo inokufakwa ngexesha elinje, apho ukuphatha ngokuchanekileyo imeko ye-bitcoin kufanelekile, sishiya emibini ukuze ubonakalise.

Siza kuyiqonda ngoku kangakanani le nto ngoku? Ngaba likho amava aneleyo embali okuhlalutya nzulu ukwahlukana okunje, okunxulumene nemali ezisemthethweni?