I-Bitcoin akuyona indaba ende, kepha iyathakazelisa. Le cryptocurrency nazo zonke ezinye ezavela ngemuva kweyokuqala zaphuma, singasho ukuthi sisonke isimo semali yedijithali; kubabaza abatshalizimali, osomnotho, abahleli bezinhlelo futhi cishe wonke umuntu ofunde noma oqale ukuzijabulisa kwakhe kulo mkhakha.
I-Bitcoin ingeyokuqala futhi ebaluleke kakhulu kwezimali ze-elekthronikhi noma ezidijithali, yabona ukukhanya ngo-2009 futhi isebenzisa umthetho olandelwayo we-P2P. Ilungele ukwenza izinkokhelo zomhlaba wonke noma ukuthengiselana, njengoba kungaxhunyanisiwe nezinhlaka ezilawulayo noma yiliphi izwe.
Ukusetshenziswa okunikezwayo ngeke kuhlobane ngqo nobunikazi bomsebenzisi, ngakho-ke isici sayo sokungaziwa singenye yezinkinga ezikhanga kakhulu ku-forex.
Ingatholwa njengenkokhelo yezimpahla noma izinsizakalo, noma ingathengwa noma ishintshwe kumasayithi akhethekile ekuthengisweni nasekushintshaneni kwalolu hlobo lwemali.
Ingatholwa futhi ngokumbiwa phansi, indlela ehlanganisa ukuxazulula izinkinga eziyinkimbinkimbi zezibalo ukuze kukhokhelwe ama-bitcoins. Ngokusebenzisa izimayini, ukuthengiselana kwemali kuvunyelwe futhi ukuphepha kwenethiwekhi kugcinwa.
NgoDisemba wangonyaka odlule, ngokomlando futhi ngokumangazayo, inani le-USD 19 lidlulile, ngemuva kwalokho lehla ngaphansi kwe-USD 850 ngesikhathi esifushane. NgoJanuwari - 12 walo nyaka lalicishe libe yi-USD 000 kwathi ngoLwesibili, ngoFebhuwari 24 11, lashintsha phakathi kuka-114 - 13.
Ngenani eliguquguqukayo ngokweqile, lokhu kukwenza uyibuke ngokucophelela nangokuqapha, futhi ngasikhathi sinye lapho kukhulunywa khona ngesimo sayo ngokujula kusuka emaphethelweni amaningi asevele adinga ukuhlolisiswa.
Emazingeni ahlukene omncintiswano iyagxekwa noma ivikelwe, kepha ngezisekelo zokusebenza kwayo iyenga ingxenye yomhlaba.
Ukuba yisistimu yemali esezingeni eliphansi lapho kungekho khona ukulawula okuqondile kwanoma isiphi isimo noma inkampani, ijabulisa ngaphezu kweyodwa futhi akulula kangako ukuyeka ukuyibuka.
Amandla ayo okudlulela makhulu kangangokuba ihlanganisa njalo futhi ikhuthaze ukuphikisana okuningi nangaphezulu kokuthi ungasingatha kanjani lesi simo semali ye-idijithali yemali.
Ama-alamu aqala ukukhala
Kusukela ngalolu suku, maphakathi noFebhuwari 2018, "i-Bitcoin" yinto yemfashini yezezimali futhi baqala ukungena ohlwini; ohulumeni, izinhlangano nezikhungo ezixwayisa ngokujulile ngobungozi bale mali ebonakalayo.
I-China vele ngo-Septhemba odlule yayivimbele ama-ICO (Initial Coin Offering), izinhlobo zokusebenza ezisetshenziswa ezingeni lebhizinisi ukuba nezezimali nge-cryptocurrensets.
Njengamanje, leli lizwe selivele lihlose ukuvimbela ukufinyelela kuzinkundla zokushintshisana zamazwe omhlaba. Ngokwengxenye yayo, iNingizimu Korea ikhombisa izinhloso ezibucayi zokuzibonakalisa ngokungavumelani nokusetshenziswa kwezimali zedijithali.
UNdunankulu waseBrithani uzwakalise ukuthi, cishe impela, kuzothathwa izinyathelo ezibekiwe maqondana ne-cryptocurrensis ngenxa yemvelo yabo yokuqagela nokwesaba ukusetshenziswa kwazo yizigebengu.
ILloyds Bank, engenye yamaqembu amakhulu kunawo wonke emhlabeni, isivele yakwenqabela ukuthenga izimali zedijithali ngokusebenzisa amakhadi ayo esikweletu, yize ingekabi namakhadi asebhange.
Imidondoshiya eminingi yalolu hlobo ikhathazeke kakhulu ngokuthi kungenzeka kwehle kakhulu inani lezi zimali, ngenxa yokungazinzi kwazo ngokweqile; okungadala ukulahleka okukhulu kubathengi bakho, ukubabona kamuva bengakwazi ukukhokha izikweletu zabo.
I-Danske Bank, ibhange laseDenmark, lincome kubasebenzi bayo ukuthi bangathengisi ama-cryptocurrensets, futhi yize kukodwa nje bengakashayi umthetho ovinjelwe ngokusemthethweni, kodwa bathi basibhekisisa lesi simo futhi abazikhiphi izindlela ezingavumi maduzane.
I-Bank of America, imemezela kumakhasimende ayo ngezinhloso zokuthenga ama-Bitcoins, ukuqapha ngokweqile futhi iqaphe kakhulu, kukhawulela ukuthengwa kwemali yedijithali kusigaba samabhange otshalo-mali sesikhungo sakho.
INordea, isikhulu sasebhange elisenyakatho neYurophu, sesivimbele ngisho nezinkulungwane zabasebenzi baso ekutholeni noma ekuthengiseni iBitcoins, okuyisinyathelo esizoqala ukusebenza ngoFebhuwari 28. Bathethelela leyo mikhawulo ngokusho ukuthi kunezingozi eziningi kakhulu ngakho-ke bayaqhubeka nokuvikela abasebenzi babo kanye nebhange.
Ngokwengxenye yayo, isincomo kumakhasimende sicacile futhi siqondile, batshelwa ukuthi bangathengisi ngezimali zedijithali, bethi lokho bitcoin akunangqondo kukodwa futhi kudelela yonke imiqondo.
ICNMV "National Securities Market Commission" eqondisa izimakethe zezokuphepha eSpain, ivumile ukuthi iyakhathazeka ngendaba yemali ye-cryptocurrensets, kanye ukhiphe isincomo esinqala kubatshalizimali abathengisa ukuthi bangazithengi.
I-European Banking Federation ithe yize noma ngalesi sikhathi ingakanqumi umthetho osetshenziswayo wama-bitcoins, ayinqabi ukuthi kungenzeka ukuthi ikwenza lokho ngokuzayo.
Futhi neFacebook ivimbele izikhangiso ezihlobene nale cryptocurrency, ibalula ukuthi ivame ukuhlotshaniswa kakhulu nemikhuba yokukhwabanisa.
Izizathu ezenza izixwayiso
Ake sixoxe ngeminye imibono ekhona futhi ivezwe ngochwepheshe, okuzosivumela ukuba siqhathanise ububanzi bezincazelo nemiqondo ekhona, edinga izinyathelo zokuvimbela umthelela we-bitcoin nezinye izimali zohlobo lwazo.
- Uhlobo lwemali luziphatha njengebhamuza lezezimali noma lokuqagela.
Esimweni esinjalo, intengo ikhuphuka ngokungajwayelekile kude nenani layo langempela.
Abathengi abaningi baba nentshisekelo yokuthengisa ngamanani aphezulu ngokuzayo, kulandela ukubuya kuze kufike ezingeni eliphakeme kakhulu kangangokuthi ibhamuza ligcina liqhuma, ngokuzumayo behlisa intengo emazingeni anganaki aphansi kunokujwayelekile, kushiya isikweletu esikhulu.
Kungenzeka ukuthi i-bubble, uma ikhona ngempela, isizoqhuma, njengoba intengo ikhuphuka futhi yehle ngezikhathi ezincane futhi ngokungazelelwe kakhulu.
- Iphuzu elibaluleke kakhulu le-bitcoin namuhla ngokunembile ubuthakathaka balo obukhulu.
Lapho izalwa ngonyaka we-2009, yaphonsela inselelo njengombono, ingethembi ngokuphelele emabhange naseziphathimandla ezingaphakathi, okwakuthiwa zinomthwalo wokuqinisekisa ukusimama kwezimali.
Okwe-bitcoin, alikho igunya elikhona elinomthelela wokulawula kulo.
Abaningi bakholelwa ukuthi ukuze kugcinwe inani lemali, kumele lisekelwe yizikhungo ezinamandla neziphendulayo kwizakhamizi. Amabhange aphakathi kufanele asebenze njengabaqaphi bale trust yomphakathi okufanele ibe khona.
Ngalo mqondo, i-bitcoin nefilosofi yayo yokuphila kuyaphikisana.
Le mali ingathathwa njengengozi, ngenxa yemikhawulo yokuvikela enayo kubatshali zimali nakubathengi.
- Sekuyisikhathi sokuthi ungaxwayisi nje kuphela, kepha futhi nokulawula, ukuze ulawule ingcindezi yokuqagela nokunciphisa ukusetshenziswa kwayo ngandlela thile. Izimali ezibonakalayo kufanele zibe ngaphansi kwemithetho noma izinkambiso ngendlela ehlelekile, edinga ukuhlinzekwa kolwazi, ukunciphisa imithwalo yemfanelo kanye nokuqinisekisa ukuthi izinqumo zalabo abangabami zingaphansi komlawuli.
- Ama-cryptocurrensets awafanele neze, ngokubheka ukwenza imisebenzi njengendlela yokukhokha okwabiwe noma izinqolobane zenani.
Kubalulekile ukuthi womabili amabhange neziphathimandla zezezimali zihlole futhi zifunde ukuxhumana phakathi kwezimali zedijithali nezimali zendabuko, kusukela kunethuba lokuthi laba bakamuva bazuze ubudlelwane bokuphazamiseka nezinhlaka eziyisisekelo zohlelo lwezezimali.
I-Bitcoin uqobo ibeka ubungozi obuhlelekile naphezu kobukhulu bayo obukhawulelwe kanye nokuxhuma okumbalwa, izimali zedijithali zingakhuphula ukuxhumana kwazo nohlelo lwezezimali, futhi kube nomthelela omkhulu ekuqhekekeni kwayo.
- Kuyimali engafanele ibe yinto engenzeka noma ehlukile kwizimali zamathenda ezisemthethweni, noma yamukele ngqo njengezindlela zokukhokha ezikweletini noma izibopho ezahlukahlukene. Ukusakazwa kwalo okulinganiselwe nokushintshashintsha ngokweqile kwenani lalo kusho ukuthi alinakubhekwa njengediphozi yenani elisebenzayo noma i-akhawunti ezinzile ye-akhawunti.
- I-Bitcoin ayiyona impahla enhle yokutshala imali uma iqhathaniswa nezibopho nezitoko, ikakhulukazi uma kubhekwa ukwazisa ngemali eyandisiwe yesikhathi eside. Lokhu ngaphandle kokuthi imali ikhule ngenani impela ngokuhamba kwesikhathi. Akusoze kwaba ukutshalwa kwemali okuqinile.
I-Bitcoin ayikho esimweni sayo sokuqala. Ukulindela kukhulu kakhulu futhi akwaziwa ngempela uma sibhekene nje nokuqhuma kwebhamu ebelikade lilindelwe, noma uhlelo luzolungiswa futhi konke kuzoba okujwayelekile futhi.
Okuthile uma kungashiwo ngokuqiniseka okwanele, futhi yilokho kuphela umhlaba we-bitcoin udinga ukuhlaziya ngokuphelele uphinde uhlolisise isu lawo, ukuhlinzeka ngokusekelwa kwemali esele idingeka.
Abanye bacabanga ukuthi sonke lesi simanje esineziyaluyalu sokulawula nokuvimbela kuzogcina kuhlomula imali, kuvumela abantu ukuthi babe nokholo olwengeziwe kuyo, kubangele ukuthi intengo inyuke futhi.
Eminye imibuzo ingahle ibuzwe ngesikhathi esinjengalesi, lapho ukuphatha kahle le nto ye-bitcoin kufaneleke kangako, sishiya emibili ukuze icatshangelwe.
Ngabe okwamanje sizoyiqonda kahle kangakanani le nto? Ngabe kunesipiliyoni esanele somlando sokuhlaziya ngokujulile ukuhlukaniswa okunjalo, okuhlobene nezimali ezisezingeni eliphansi?
okuthunyelwe okuhle kakhulu