Izimali ezibonakalayo

izimali ezibonakalayo

Cishe wonke umlando wesintu imali ibambe iqhaza elibalulekile ekwakhiweni kwazo zonke izinhlobo zezentengiselwano, kuthonya nezepolitiki namasiko esifunda esithile. Futhi kuze kube namuhla, izimali ezahlukahlukene ezikhona emhlabeni wonke zidlala indima ebalulekile ezimpilweni zethu zansuku zonke. Kepha ngokufika kobuchwepheshe nezwe lekhompyutha, izinto eziningi sezishintshile, kubandakanya nendlela esibheka ngayo imali.

Enye ye izinzuzo ezethulwe ngumhlaba obonakalayo ngukuthi imithethonqubo yezomthetho ibingekho ngenxa yalokhu, isizathu sokuthi kungani imakethe iguqulelwe izidingo zabasebenzisi; futhi enye yendalo edume kakhulu yilezi izimali ezibonakalayo, kodwa ngaleli gama kuvela ukungabaza, njengokuthi kuyini, kuvela kanjani, kukhona okukhona nokuthi yikuphi ukunyakaza okungenziwa ngayo; ngakho-ke ukuze sicacise konke lokhu kungabaza sibhale le ndatshana.

Kuyini lokhu?

Imali ebonakalayo, Luhlobo lwemali edijithali engalawulwa izikhungo ezejwayelekile zezezimali, futhi ekhishwa futhi ilawulwe ngabathuthukisi. Ngaphezu kokuthi lolu hlobo lwemali kumele lusetshenziswe futhi lwamukelwe ngamalungu we umphakathi obonakalayo. Le ncazelo ivela ebhange elikhulu laseYurophu, kepha ukukubeka ngamagama alula singasho ukuthi lezi zimali ziwuhlobo lwemali edijithali engakhishwa ngamabhange amakhulu noma nganoma iyiphi igunya lomphakathi, nokuthi isetshenziswa futhi yamukelwe ngabantu abajwayelekile njengendlela yokukhokha izimpahla noma izinsizakalo.

izimali ezibonakalayo

Manje, ngokuhamba kwesikhathi nokwanda kokuthandwa kwalezi zimali, sekukhona ohulumeni abazamile ukuzijwayela; futhi abanye abavumanga noma bachaze bona njengezezimali, lokhu bakwenze ukuze bakwazi ukulawula ngendlela efanele izintela lokhu okushoyo "Izimali ezibonakalayo". Kodwa-ke, lokhu kusho ukuthi kubhekwa ukuthi uhlobo lwemali olulodwa alufani nolunye, okwenza kungakholakali ukuthi imali ebonakalayo ichazwe ngokuthi "uhlobo lwemali".

Kodwa-ke, ngezinhloso ezisebenzayo sizophatha imali ebonakalayo njengemali ebonakalayo. Kepha kufanele sicacise ukuthi kunezinhlobo ezi-3 zezimali ezibonakalayo. Ezinye zivaliwe zezimali ezibonakalayo, ezinye zinokugeleza kwemali ziye ohlangothini olulodwa, futhi ekugcineni sinezimali ezibonakalayo eziguquguqukayo, ake sifunde ngayinye yazo.

Izimali ezibonakalayo ezivaliwe

Kwezinye izingxenyekazi ze-inthanethi kukhona ezinye izinhlobo zezimali ezibonakalayo lokho kusebenza ukuze sikwazi ukuthuthukisa ukuthenga okungokoqobo; Isibonelo kungaba imidlalo yevidiyo, lapho esingaba nezinhlamvu zemali; kepha nokho lezi zimali azinabo ubudlelwano obuqondile nezwe langempela. Lokho kusho ukuthi ngalolu hlobo lwezezimali asikwazi ukwenza ukuthengiselana kwempahla ebonakalayo.

Zezimali ukugeleza kwemali ohlangothini olulodwa

Lolu hlobo lohlamvu lwemali lunye lapho kukhona khona i- imali yangempela ekuthengisweni kwemali ebonakalayoKodwa-ke, akunakwenzeka ukuthi uguqule kusuka kwimali ebonakalayo uye emalini yangempela. Isibonelo salolu hlobo lwemali ebonakalayo kungaba yizikhwama ezahlukahlukene izinkampani ezinikeza amakhasimende azo ukuze zinikeze imivuzo efana "namaphuzu" angashintshana ngayo kamuva ngemikhiqizo.

Esinye isibonelo esingahle sibe yilokhu uhlobo lwemali ebonakalayo Angamakhadi akhokhelwa kusengaphambili amanye amapulatifomu afana ne-apostare, lapho sifaka khona imali yangempela ukuze ngemali ebonakalayo sikwazi ukuthenga izinto ezibonakalayo njengama-movie noma izinhlelo zokusebenza ezahlukahlukene. Yize lolu hlobo lwemali lukuvumela ukuthi uthole izimpahla ezahlukahlukene nge-inthanethi, zinomkhawulo esingeke sikwazi ukuwuguqula usususe ku-virtual uye kwimali yangempela, kepha uhlobo lwemali olulandelayo, okuyilo olusithakasela kakhulu, uma luyivumela .

Izimali ezibonakalayo eziguquguqukayo

Izimali ezibonakalayo eziguquguqukayo

Este uhlobo lwemali ebonakalayo Yibo abakwazi ukugeleza kuzo zombili izinkomba, zombili zisuka kwimali yangempela kuya kwemali ebonakalayo futhi okuphambene nalokho. Lolu hlobo lwezezimali yilona olusivumela ukuthi senze ukuthengiselana, futhi senze nokushintshaniswa kwemali. Ngaphakathi kwalolu hlobo lwemali ebonakalayo singathola izinhlobo ezi-2 ezihlukene, ama-cryptocurrensets nalawo angabetheliwe. Ake sidlule ngakunye kwalokhu.

Ngokwencazelo, I-idijithali yemali iyimali edijithali lokho kuyi-cryptography ukuze kuvikelwe ukuthengiselana okuhlukahlukene ngaphezu kokuvikela futhi ukwenziwa kwezimali ezintsha. Lolu hlobo lwemali luphephe kakhulu futhi luhamba phambili, ngoba luvumela imali yethu ukuthi ivikeleke ngokwengeziwe, ngaphezu kwalokho, ngokuvumela ukuthengiselana okuhlukahlukene kwemali kagesi, izosiza izinqubo eziningi esizenzayo.

Lokho okungekho I-cryptocurrency inengozi yokukhohliswa, yebiwe futhi yenziwa ngisho umuntu onamakhono wekhompyutha. Kungakho zisetshenziswa kancane. Kepha kuze kube manje konke kubukeka kulula, izimali ezibonakalayo ezinenani langempela; Kodwa-ke, lezi zinhlobo zezimali zibeka izinselelo ezinkulu ezikhungweni ezisetshenziselwe ukulawula umhlaba ophathekayo kuphela.

Izinselele

Izinselelo lezi zinhlobo zemali Zethula ikakhulukazi amabhange amakhulu, anesibopho sokukhipha imali ebonakalayo. Ngakolunye uhlangothi, kuyinselelo futhi ezikhungweni zokulawula ezindaweni zezimali. Ezinhlanganweni zomphakathi eziphethe ukulawulwa kwezindawo zezimali ezifana noMnyango Wezezimali. Kepha lezi azikaze zihlale zinganyakazi, kepha zenze imithethonqubo ethile yezomthetho ethuthuke ngezindlela ezahlukahlukene, ake sibheke eminye yemicimbi ebabazekayo.

Umcimbi wokuqala esizowubalula owoMashi 20, 2013, lapho umhlahlandlela woMgcinimafa wase-United States wakhuthaza ukuthi inethiwekhi yokulawulwa kobugebengu kwezezimali yakhipha umhlahlandlela lapho kwacaciswa khona ukuthi umthetho wobumfihlo wasebhange wase-United States usebenza kanjani kulabo bantu abakha, noma abashintshanisa, noma abadlulisa ifayela le- zezimali ezibonakalayo. Ngokusobala lo ngumzamo wokuvimbela imali ebonakalayo ukuthi ithandwe kakhulu.

Ngo-2014, ibhizinisi elaziwa njenge I-Securities and Exchange Commission uxwayiswe kokunye ukuxhumana kwayo, izingozi ezihilelekile zezimali ezibonakalayo njengeBitcoin. Nakulokhu siyabona ukuthi izikhungo zezezimali bezinentshisekelo yokuvimbela ukunwetshwa kwalolu hlobo lwemali.

Futhi iqiniso ukuthi imithetho ibingakalungeli ukulawula lezi zinhlobo zezimakethe. Kodwa-ke, njengoba lolu hlobo lwemali seluthole ukuthandwa ngabantu, ohulumeni bagcine bekwamukele ukusetshenziswa kwalolu hlobo lwemali. Futhi bazamile ukulawula ukusebenza kwabo maqondana nomhlaba obonakalayo. Futhi yileyondlela namuhla, izimakethe ze-bitcoin zibiza izigidi zamadola.

Manje njengoba sesiqonde kangcono ukuthi iyini imali ebonakalayo nokuthi le mali ilawulwa futhi yenziwa kanjani yaziwe, ake sazi kancane ngezimali ezahlukahlukene ezikhona, eziqala nge-bitcoin, ngokungangabazeki ethandwa kakhulu.

Bitcoin

I-Bitcoin Yimali eye yamukelwa kakhulu ngumphakathi jikelele; loluhlamvu lwemali lwazalwa ngo-2008. Futhi sikhona ngenxa yokuthi Satoshi Nakamoto, iminikelo kabani yaveza umbono wokuthi le mali ibe khona.

Okuthile okufuna ukwazi kakhulu ngale mali ukuthi yize noma ngubani onolwazi oludingekayo angadala eyodwa yalezi zinhlamvu zemali, kuyinto ekuhambeni kwesikhathi iba nzima ngokwengeziwe ngenxa yokuthi ama-algorithms kanye nezimayini okufanele zisetshenziswe kunzima kakhulu.

Kumele kuqashelwe ukuthi le cryptocurrency yaba ngeyokuqala ukuvela futhi ikhodi yayo iyinkimbinkimbi, kepha-ke, lapho kukhishwa ikhodi yayo yomthombo ukuze ibe yingxenye yomphakathi wesoftware yamahhala, kwavela ezinye izimali ezihlukile.

I-PeerCoin

IPPCoin yenziwe nguScott Nadal noSunny King; Okubalulekile ngale mali ukuthi bekungokokuqala ukuhlanganisa ubufakazi besimo nobufakazi bomsebenzi, okusho ukuthi iPeerCoin isebenzisa amandla amancane, ngakho-ke ayikho inombolo elinganiselwe yemali engadalwa. Lo mehluko kuBitcoin uwunikeza inzuzo enkulu yokuncintisana.

Ripple

Le mali iheha impela ngoba isebenzisa i umthetho olandelwayo ngaphandle kwama-bitcoins, okukuvumela ukuthi kube ukushintshaniswa kwemali okusatshalaliswayo, okuyindlela yokukhokha, futhi ngasikhathi sinye kuyimali ebonakalayo. Lokhu kusetshenziselwa izinto eziningi kuvumela ukuthi kube nezinzuzo eziningi zokusebenza ukuze kukwazi ukwenza ukunyakaza okuningi.

Litecoin

Ekugcineni, sizokhuluma nge- imali yesibili ethandwa kakhulu, iLitecoin; Le mali yadalwa ngo-2011 nguCharlie Lee, futhi yanikezwa ukuthandwa kwale mali, uthathwa njengomqambi wesibili weBitcoin ohamba phambili. Kepha yize iyimali yesibili ethandwa kakhulu, inezinzuzo ezithile kuneBitcoin, ngoba njengobufakazi bomsebenzi isebenzisa imibhalo ethile enganqunyulwa cishe yi-CPU. Ngenxa yalokhu, inesizukulwane esishesha kakhulu sokuvimbela kune-bitcoin. Kubalulekile ukuthi sisho ukuthi njengamanje lilinganiselwa ezigidini ezingama-201.8.


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.