Inkampani yetekhnoloji u-Facebook, ongumnini we-network elinegama elifanayo, ugxininisile ukuba ingaphehlelela imali yayo entsha yedijithali, iLibra, kwiintsuku ezizayo. Nangona ukwenza oku, kuya kufuneka uyilinganise amathandabuzo olawulo axhonywe kule asethi intsha yemali. Ngale ndlela, "u-Facebook akazukunikezela ngemali yedijithali yeLibra de ibe isombulule ngokupheleleyo amathandabuzo olawulo kwaye ufumene iimvume ezifanelekileyo," utshilo umongameli weCalibra, inkampani encedisayo kuFacebook ephethe ulawulo lwemali yedijithali, uDavid Marcus.
Isigqeba siye sabonisa ukuba i-Facebook iyavumelana nomongameli we-Federal Reserve (Fed), uJerome Powell, oqinisekisile ukuba inkqubo yokuvavanya imali yedijithali kufuneka "ibe nesineke kwaye ingqongqo." Ukusukela oko kwabhengezwa kwiiveki ezimbalwa ezidlulileyo, ezintathu zeebhanki eziphambili zehlabathi (iFederal Reserve, iEuropean Central Bank, kunye neBhanki yaseNgilani) bezilumkele iziphumo zentengiso ukumiliselwa kwemali yedijithali yingxilimbela efana noFacebook, nangokubanakho ukuphumeza umgaqo-nkqubo wezemali.
Umbutho weLibra, oza kuthi uFacebook ube yinxalenye kunye nezinye iinkampani ezingama-27 eziza kulawula ulawulo lwenethiwekhi ye-cryptocurrency 'blockchain', "ayinanjongo zokukhuphisana nezinye iimali ezizimeleyo okanye ukungena ebaleni lokudlala kwezopolitiko. ". Ngapha koko, isigqeba solawulo sibonisile ukuba inkampani izakusebenza kunye neFed kunye nezinye iibhanki eziphambili ukuqinisekisa ukuba iLibra ayikhuphisani nezinye iimali okanye umgaqo-nkqubo wezemali. Nokuba yeyiphi na, yindlela entsha enokutyala abatyali mali abancinci nabaphakathi yenza imali ngokulondoloza kwakho ngecandelo elinobuchule njengoko kunjalo ngeli xesha lwemali yedijithali.
Ishishini leMali yeDijithali: iLibra
Kodwa kubaluleke kakhulu ukwazi ukuba imali ilawulwa yi-Arhente yeeNkonzo zezeMali, njengoko kufunwa yimimiselo yangoku. Le nyani ibonelela ukuthembeka okukhulu kurhwebo lwe-asethi entsha yezemali. Ngokungafaniyo nezinye iimodeli zedijithali, kule meko ayivelisi iikhomishini kuthethathethwano kunye nesalathiso sokonga kulawulo lwemisebenzi eyenziweyo kubaluleke ngakumbi. Ngelixa kwelinye icala inganikeli ngezixhobo ezinomtsalane kakhulu ukukhuthaza abatyali mali.
Nangona ukusebenza ngale asethi yemali akukho mathandabuzo ukuba kuyakufuneka kwiinyanga ezizayo ukuhlalutya ubunyani balo mntu ukhuphisana naye weBitcoin. Ngokusebenzisa uhlalutyo olungqongqo kuyo yonke imiba ebalulekileyo yomsebenzisi. Ukuchonga ukuba ingaba kuyinzuzo na ukungabinayo ikhontrakthi yale mveliso yezemali ukwenza ulondolozo lube nenzuzo ngendlela efanelekileyo nengqinelanayo. Ukuba yenye yamathandabuzo evela phambi kwabatyali mali abancinci nabaphakathi. Kwicandelo elinzima njengee-cryptocurrensets.
Idiphozithi kunye nokurhoxiswa kwemali kwiLibra
Ngale mali yedijithali sinokwenza le misebenzi yomibini kwi Iimali ze-fiat njengakwi-cryptocurrensets. Kodwa ngendlela encinci, esele ikwimali yeefat ijolise ikakhulu kwi-euro. Ngelixa ngokuchaseneyo, ngaphakathi kwee-cryptocurrensets, yi-Bitcoin kuphela exhaswa. Njengakwelinye icala kusengqiqweni sisicwangciso-qhinga sentengiso uqobo. Kuzo zonke iimeko, zonke iinkqubo zokuhlawula ziyaxhaswa: amakhadi etyala kunye neebhanki, ukuhanjiswa kwebhanki kunye nokuhanjiswa ngombane kunye nokubhaliswa kwidijithali
Ukuthenga kunye nokuthengisa iLibra ngokuthe ngqo phakathi kwabantu akuhambisi khomishini. Sesinye sezibonelelo eziziswa ngulo mqhubi ngokubhekisele kukhuphiswano. Kwelinye icala, ukuba zisetyenzisiwe ekudalweni kwemali yokuthenga nokuthengisa le asethi yemali. Nge-0,5% kwintengiselwano eyenziwe. Kwelinye icala, ukuhambisa le asethi yemali kwezinye iipotifoliyo kwiqonga elifanayo ledijithali yemali kukusebenza simahla.
Iimali zorhwebo zedijithali
Umahluko omnye onegalelo ngaphezu kwamanye amaqonga kukuba yahlula phakathi kweenkqubo zayo zokuthenga kunye nokuthengisa. Kweyokuqala kwezi, umthengisi uyacelwa kwaye unyanzelekile ukuba amnike idiphozithi yokhuseleko. Nje ukuba umsebenzi wenziwe, kufuneka iqale iqinisekiswe ngokufanayo, emva koko iimali zedijithali ziya kwamkelwa. Ngenkqubo yotshintshiselwano ekhusela abathengi kunkohliso okanye ubuqhetseba.
Ngokumalunga nenkqubo yentengiso, oomatshini bayo bayafana. Kodwa yenziwe ngokusemthethweni kwelinye icala lenkqubo. Isiqinisekiso sokudiphozitha siyacetyiswa kwaye nenkqubo yentlawulo emiselwe ngumthengi. Le nkqubo iya kubandakanya ukufikelela kwabanye abantu abanqwenela ukuthenga iBitcoins, iLibra okanye ezinye iimali kwifomathi yedijithali. Oko kuya kufuneka sizichonge kwaye sinikeze isindululo.
Njani amaqonga edijithali
Iqonga elisekwe kwiwebhu liluncedo kakhulu kuzo zonke izixhobo zetekhnoloji. Kwaye yenzelwe kakuhle. Kunye UkuThengisaView ebonelela ngeetshathi ngaphezulu kwe-50 yeentlobo zezalathi zokuhlaziya kunye neempawu eziphambili. Yiwebhusayithi ebonakala ngokuba namandla kakhulu kunye nokudibana. Ngale ndlela, akukho mathandabuzo ukuba ayidanisi abasebenzisi. Inika izibonelelo ezikhulu zokuhamba kwimixholo yayo. Kuthotho lwezixhobo zobugcisa ezifanelekileyo ukuvavanya.
Kwaye inkcukacha ezincinci ezifanele ukuthathelwa ingqalelo, yiwebhusayithi yesiNgesi. Yintoni esinokuyenza ngayo? Ngokusisiseko zonke ezi mpawu: thenga, thengisa kunye nokuthelekelela. Ayisiyiyo kuphela iBitcoin, kodwa nezinye ii-cryptocurrensets ezifakiwe kwisibonelelo.
Ukhuseleko ekusebenzeni
Ukuqinisekisa ukhuseleko lweeasethi, eqongeni bayasebenzisana nepotifoliyo yeeasethi zemali. Isipaji esibandayo sivumela abasebenzisi ukugcina ubuninzi be-2000 BTC, i-10000 LTC, ngelixa iiwallet ziya kugcinwa kwizixeko ezibini ezahlukeneyo kwaye zigcinwe kwiibhokisi ezikhuselekileyo. Isipaji esikwi-Intanethi sivumela abasebenzisi ukuba bagcine ubuninzi be-3000 BTC yokuthengiselana kwemihla ngemihla, xa isicelo sokudlulisa sidlula kwi-1000 BTC.
Inokuqwalaselwa kuphela kwisipaji se-Intanethi. Ngaphaya koko, iphasiwedi yewallet yenziwe ngamagama ayi-16 antsonkothileyo. Yahlulwe yangamacandelo amabini kwaye igcinwe ngabantu abohlukeneyo kwiindawo ezahlukeneyo. Amanye amanyathelo okhuseleko ngala alandelayo:
- Idatha ibhalwe ngokufihliweyo yitekhnoloji ye-SSL (HTTPS).
Inesatifikethi sokutyikitya kwidijithali - Isipaji (idilesi yabucala) ibhalwe ngokufihlakeleyo ngetekhnoloji ye-AES-256.
Ubukho kwimidiya yoluntu
Ubukho babo kwiinethiwekhi zentlalo buxhaswa yiminqweno yaleqonga ledijithali. Nangona kuphela kwezona zidumileyo okwangoku. Singafumanisa ukuba ikwi Twitter kunye ne-Facebook. Siza kubethwa linani elikhulu labalandeli abanalo mthengisi ngokuzibini. Ifikelela kubasebenzisi abangama-25.000 kwaye yenye yezona ziphezulu kwicandelo.
Inayo inkonzo yabathengi kwaye kwezinye iimeko inamandla kakhulu. Njengokwanelisa iimfuno zethu njengabasebenzisi. Nangona ukuqala, ayinayo ingxoxo ephilayo njengamanye amaqonga aneempawu ezifanayo. Kwelinye icala, ayiboneleli ngothethwano lwesiko lwe Imibuzo ebuzwa rhoqo okanye ii-FAQ. Izibonelelo zoncedo lwabathengi zithunyelwa kweminye imithombo yeendaba. Njengomzekelo, iziko lakho loncedo.
Ukubonelela ngempendulo kwamanye amathandabuzo onokuba nawo. Njengalezo sikubonisa zona ngezantsi:
- Ngaba sinokufaka okanye ukurhoxisa nangaliphi na ixesha?
- Ngaba ukuthunyelwa kuyayifumana ibhonasi?
- Inzala ihlawulwa nini?
- Ngaba le misebenzi inobungozi?
Uhlelo lokusebenza lweselfowuni kula maqonga
Ezi ziindaba ezilungileyo kubasebenzisi. Banesicelo esilula nesisebenzayo sezixhobo zetekhnoloji. Iyafumaneka kuzo zombini i-Android kunye ne-iOS. Ukuba yenye yezona zinto zibalaseleyo kumaqonga ecandelo. Ukongeza, inokukhutshelwa ngokulula kwiwebhusayithi yayo. Ngenkqubo enomdla kakhulu. NgoGoogle Play okanye iVenkile yeApp. Ukuze isebenze kwiifowuni eziphathwayo, iitafile okanye ezinye izixhobo zeteknoloji.
Ngaphandle kokukhawulela ukusebenza kwethu kunxibelelwano lwe desktop. Ngolungelelwaniso olululo lwamacandelo eqonga ledijithali. Ngokukodwa, kuba ibonelela ngeendlela zokhuseleko ezinokuthenjwa. Ngamanyathelo asebenzayo ngeendlela zonke. Isebenzisa zombini izipaji ezishushu nezibandayo, kodwa iiwallet ezikwi-Intanethi zibonelelwa phantsi kokhuseleko lwenkqubo yokhuselo ye-cryptographic. Ukuze ekugqibeleni ufumane uxilongo oluchanekileyo malunga nokuba ngubani lo mqhubi kwaye umele kwiimali zedijithali. Ukuthenga, ukuthengisa kunye nokuqikelela kwezi asethi zedijithali.
Ukuba ngaphandle kwayo yonke into umtyalomali evula amaxabiso ekujoliswe kuwo njengesixhobo sokulungiselela ukuthenga kwabo, eyona nto ilungileyo kukwenza ngombono ngokubanzi kubandakanya uluvo lwabo bonke abahlalutyi bemakethi, oko kukuthi, ukufumana umndilili wazo zonke Amaxabiso ekujoliswe kuwo afikelelwe kwiingxelo, kwaye oko kuyakubeka ithoni kwindawo yethu yemarike yemasheya kweyona njongo iphambili necacileyo. Ngale ndlela, kulula ukubona ukuba imeko yokhuseleko oluthile lukwimo "yokuthengisa", "yokubamba" okanye "yokuthenga" kwaye, ke ngoko, sithathe eyona ndawo ichanekileyo kwimidla yethu ngalo lonke ixesha. Le yinto enokusetyenziswa kwicandelo lemali yedijithali, njengeLibra.