Ngokwenyani yonke imbali yoluntu Imali idlale indima ebalulekileyo kuphuhliso lwazo zonke iintlobo zorhwebo, ikwachaphazela ezopolitiko kunye nenkcubeko yommandla othile. Kude kube namhla, iimali ezahlukeneyo ezikhoyo kwihlabathi jikelele zidlala indima ebalulekileyo kubomi bethu bemihla ngemihla. Kodwa ngokufika kwetekhnoloji kunye nehlabathi lekhompyuter, izinto ezininzi zitshintshile, kubandakanya nendlela esijonga ngayo imali.
Enye ye izibonelelo ezilungiselelwe lihlabathi elibonakalayo kukuba imigaqo yezomthetho ibingekho kule nto, ke imakethi ihlengahlengise iimfuno zabasebenzisi; kwaye enye yezona zinto zidumileyo ziyindalo zemali, kodwa ngeli gama kuvela amathandabuzo, afana nokuba ayintoni na, avela njani, akhoyo kwaye zeziphi iintshukumo ezinokwenziwa ngawo; ukuze sicacise onke la mathandabuzo sibhale eli nqaku.
Yintoni na?
Imali ebonakalayo, Luhlobo lwemali yedijithali engalawulwa ngamaziko emali aqhelekileyo, kwaye ikhutshwa kwaye ilawulwe ngabaphuhlisi. Ukongeza kwinto yokuba olu hlobo lwemali kufuneka lusetyenziswe kwaye lwamkelwe ngamalungu e uluntu olubonakalayo. Le nkcazo ivela kwibhanki eseYurophu, kodwa ukuyibeka ngamagama alula singatsho ukuba ezi mali ziluhlobo lwemali yedijithali enganikwanga ziibhanki eziphambili okanye yiyo nayiphi na igunya loluntu, kwaye isetyenziswa kwaye yamkelwe ngabantu abaqhelekileyo njengendlela yokuhlawula iimpahla okanye iinkonzo.
Ngoku, ngokuhamba kwexesha nokwanda kokuthandwa kwezi mali, kukho oorhulumente abazamile ukuzenza zarhoqo; kwaye abanye abakhange babavumele okanye babachaze njengemali, oku bakwenzile ukuze bakwazi ukulawula ngendlela echanekileyo iirhafu ezichaza oku "Iimali ezikhoyo". Nangona kunjalo, oku kuthetha ukuba enye imali ayiqwalaselwa ngokufana nenye, nto leyo eyenza ukuba kungenzeki ukuba imali ebonakalayo ichazwe njenge "mali".
Nangona kunjalo, ngeenjongo ezibonakalayo Siza kuphatha iimali ezibonakalayo njengemali ebonakalayo. Kodwa kufuneka sicacise ukuba kukho iintlobo ezi-3 zeemali ezibonakalayo. Ezinye zivaliwe njengemali ebonakalayo, ezinye zihamba ngokuhamba ngendlela enye, kwaye ekugqibeleni sinemali ebonakalayo, makhe sifunde nganye yazo.
Kuvaliwe iimali ezibonakalayo
Kumaqonga athile akwi-Intanethi kukho ezinye iintlobo zeemali ezibonakalayo ezisebenza ukuze sikwazi ukuphucula ukuthengwa okubonakalayo; Umzekelo iya kuba yimidlalo yevidiyo, apho sinokuba neengqekembe zemali; kodwa nangona kunjalo ezi mali azinabudlelane ngqo nehlabathi lokwenyani. Oko kukuthi, ngolu hlobo lweemali asinakho ukwenza intengiselwano yempahla ebonakalayo.
Izimali ezinokuhamba kwemali zisiya kwicala elinye
Olu hlobo lwengqekembe yenye apho kukho Imali yokwenene kwintengiselwano yemali ebonakalayoNangona kunjalo, akunakwenzeka ukuba uguqule kwimali ebonakalayo uye kwimali yokwenyani. Umzekelo wolu hlobo lwemali ebonakalayo inokuba zizipaji ezohlukeneyo ezinikwa ziinkampani ngabathengi bazo ukuze babonelele ngembuyekezo efana "neendawo" abanokuthi kamva bazitshintshise ngeemveliso.
Omnye umzekelo onokuba yile uhlobo lweemali ezibonakalayo Ngamakhadi ahlawulwa kwangaphambili kwamanye amaqonga afana ne-apostare, apho singena khona imali yokwenyani ukuze ngemali ebonakalayo sikwazi ukuthenga izinto ezibonakalayo ezinje ngeemovie okanye usetyenziso olwahlukeneyo. Nangona olu hlobo lwemali lukuvumela ukuba ufumane izinto nge-intanethi, banomda esingenakukwazi ukuwutshintsha ukusuka kwinyani ukuya kwimali eyiyo, kodwa olu hlobo lwemali lulandelayo, lolona lusithandayo kakhulu, ukuba luyaluvumela .
Iimali eziguquguqukayo ezibonakalayo
Este uhlobo lweemali ezibonakalayo Zizo ezinokuhamba kuwo omabini amacala, kokubini ukusuka kwinyani ukuya kwimali ebonakalayo kunye nokunye. Olu hlobo lweemali lolunye olusivumela ukuba senze intengiselwano, kunye nokwenza utshintshiselwano lwemali. Ngaphakathi kolu hlobo lwemali ebonakalayo sinokufumana iindidi ezi-2 ezahlukeneyo, ii-cryptocurrensets kunye nezo zingabhalwanga. Masihambe nganye yezi.
Ngokwenkcazo, imali yedatha yedijithali Oko kukubhala ngokufihlakeleyo ukukhusela imicimbi eyahlukeneyo ukongeza ekukhuseleni ukwenziwa kweemali ezintsha. Olu hlobo lwemali lolona lukhuselekileyo kwaye lungcono, kuba ivumela imali yethu ukuba ikhuseleke ngakumbi, ukongeza kuloo nto, ngokuvumela intengiselwano yemali eyahlukeneyo ye-elektroniki, iya kuququzelela iinkqubo ezininzi esizenzayo.
Ezo zingenjalo Imali engezantsi yedijithali inobungozi bokukhohliswa, ibiwe yaze yenziwa ngumntu onobuchule bekhompyuter. Kungenxa yoko le nto zisetyenziselwa okuncinci. Kodwa ukuza kuthi ga ngoku yonke into ijongeka ilula, iimali ezibonakalayo ezinexabiso lokwenyani; Nangona kunjalo, ezi ntlobo zeemali zibeka ucelomngeni olukhulu kumaziko awayesetyenziselwa ukulawula kuphela umhlaba ophathekayo.
Imiceli mngeni
Imiceli mngeni eluhlobo lolu lwemali Zikhona ikakhulu kwiibhanki eziphambili, ezinoxanduva lokukhupha imali ebonakalayo. Kwelinye icala, ikwangumceli mngeni kumaziko olawulo kwimimandla yezemali. Kumaziko oluntu ajongene nolawulo lweendawo zemali ezinje nge-Ofisi yoMphathiswa Wezimali. Kodwa ezi azikaze zihlale zingashukumi, kodwa zenze imigaqo ethile yezomthetho eqhubele phambili ngeendlela ezahlukeneyo, masijonge ezinye zeyona micimbi mikhulu.
Umnyhadala wokuqala esiza kuwukhankanya ngoka-Matshi 20, 2013, apho isikhokelo se-Ofisi kaNondyebo wase-United States sikhuthaze ukuba uthungelwano lolawulo lolwaphulo-mthetho lukhuphe isikhokelo apho kuye kwacaciswa ukuba umthetho wobumfihlo webhanki wase-United States usebenza kwabo bantu Ngubani owenza, okanye atshintshe, okanye adlulise iimali ezibonakalayo. Ngokucacileyo eli lilinge lokuthintela imali ebonakalayo ukuba ithandwe kakhulu.
Ngo-2014, iqumrhu elaziwa njenge IKomishoni yoTywala kunye noTshintshiso walumkisa kolunye lonxibelelwano, iingozi ezichaphazelekayo iimali ezibonakalayo njengeBitcoin. Kwakhona siyabona ukuba amaziko emali abenomdla ekuthinteleni ukwandiswa kolu hlobo lwemali.
Kwaye inyani kukuba imithetho ibingakulungelanga ukulawula ezi ntlobo zeemarike. Nangona kunjalo, okoko olu hlobo lwemali lufumene ukuthandwa ngabantu, oorhulumente baphela bekwamkela ukusetyenziswa kolu hlobo lwemali. Kwaye bazamile ukulawula indlela yokuziphatha kwabo ngokubhekisele kwilizwe elibonakalayo. Kwaye yile ndlela namhlanje, iimarike ze-bitcoin zixabisa izigidi zeedola.
Ngoku ukuba siyiqonde ngcono ukuba yintoni imali eyiyo kwaye indlela le mali ilawulwa ngayo kwaye yenziwa yaziwa, masiqale sazi ngakumbi ngeemali ezahlukeneyo ezikhoyo, ukuqala nge-bitcoin, ngokungathandabuzekiyo ethandwa kakhulu.
Bitcoin
I-Bitcoin Yimali eye yamkelwa luluntu ngokubanzi; Le ngqekembe yazalwa ngo-2008. Kwaye sikhona ngenxa yayo Satoshi Nakamoto, abo igalelo labo lavela nengcinga yokuba le mali ibekhona.
Into enomdla kakhulu ngale ngqekembe kukuba nangona phantse nabani na onolwazi oluyimfuneko anokwenza enye yezi ngqekembe, yinto ekuhambeni kwexesha iba nzima ngakumbi ngenxa yokuba zombini ii-algorithms kunye nokumbiwa kwemigodi ekufuneka kuphunyeziwe kunzima kakhulu.
Kufuneka iqatshelwe ukuba le cryptocurrency yayiyeyokuqala ukuvela kwaye ikhowudi yayo inzima, nangona kunjalo, xa ikhowudi yayo yemithombo yakhutshwa ukuze ibe yinxalenye yoluntu lwesoftware yasimahla, kwavela ezinye iindlela zemali.
Oontanga
I-PPCoin yenziwa ngu-Scott Nadal kunye no-Sunny King; Into ebalulekileyo ngale ngqekembe kukuba yayiyeyokuqala ukudibanisa ubungqina besimo kunye nobungqina bomsebenzi, nto leyo ethetha ukuba iPeerCoin isebenzisa amandla amancinci, ke akukho nani linqiniweyo leemali ezinokudalwa. Lo mahluko kwiBitcoin uwunika ithuba lokukhuphisana.
Ripples
Le ngqekembe inomdla kakhulu kuba isebenzisa i umthetho olandelwayo ngaphandle kwee-bitcoins, evumela ukuba ibe kukutshintshiselana kwemali ehanjiswayo, ekwayindlela yokuhlawula, kwaye kwangaxeshanye yimali ebonakalayo. Oku kusebenza ngokuchaseneyo kuvumela ukuba kube nezinto ezininzi eziluncedo ukuze ukwazi ukwenza iintshukumo ezininzi.
Litecoin
Okokugqibela, siza kuthi sikhankanye imali yesibini ebonakalayo ethandwayo, iLitecoin; Le ngqekembe yenziwa ngo-2011 nguCharlie Lee, kwaye yanikwa ukuthandwa kwale ngqekembe, uthathwa njengowona msenzi wesibini weBitcoin. Kodwa ngaphandle kokuba yeyona mali yesibini idumileyo, inezibonelelo ezithile ngaphezulu kweBitcoin, kuba njengobungqina bomsebenzi isebenzisa izikripthi ezithile ezinokuchongwa yi-CPU. Ngenxa yoku, inesizukulwane se-agile ngakumbi esineebhloko kune-bitcoin. Kubalulekile ukukhankanya ukuba okwangoku ixabisa i-201.8 yezigidi zeedola.