Kulo nyaka, imali ye-crypto, i-bitcoin, ebizwa nangokuthi "idijithali yedijithali," ikhuphuke ngaphezu kwe-1000%, kodwa iingcali zicebisa ukuba zihlale kude nale "golide". Kutheni oko?
Ngokuhambelana neenombolo zeGoogle Trends, umbuzo wokukhangela "bitcoin" kule veki udlule ukugqithwa kwemibuzo ehlobene neentsapho zaseKardashian. Imali ye-Crypto ibe yintloko yokuqwalasela abantu abasemhlabeni wonke.
I-Bitcoin yabonakala ngo-2009. Inkqubo yokuhlawula ekhoyo esebenza kuphela kwi-intanethi. Ubume obaluleke kakhulu bentcoins yi-local power, oko kukuthi, ngokungafani nezinye iirhafu, abalawulwa yiyiphi ibhanki okanye urhulumente.
Amagqabha anemifanekiso eyazibiza ngokuba "yimali yexesha elizayo", kunye nabachasi abaza kuxela ukuba ngokukhawuleza le mali ye-crypto iya kuqhekeza njengombhobho wesepha.
Phakathi kweenzuzo ze-bitcoins azibonakali, ukungenakwenzeka kobuqhetseba kwinxalenye yomthengi kunye nenkululeko ekulawuleni ngokweqile kunye noxinzelelo. Sekunjalo, iingcali ezininzi zemali zi lumkisa ngeengozi ezinzulu ezinxulumene nokutshala imali kule mali ye-crypto. Kutheni oko?
1. Ukuzimela (ukunyanzelisa)
Ixabiso le-bitcoins lithe gqolo kakhulu, kwaye akukho namnye onokuqikelela ukukhula kwayo okanye ukuncipha. Ngokomzekelo, ngomhla kaNovemba 29, 2017, izinga lokutshintshiselwa kwemali ye-crypto lidlulileyo kwi-11,000 yamanqaku, kodwa ke yawa ngokukhawuleza ibe yi-9,000.
UJames Hughes, umhlalutyi ophezulu kwiinkampani zokuthengisa i-AxiTrader wathi:
"Abahwebi abaninzi abanamava bayazi kakuhle, yonke into ekhula ngokukhawuleza iwa ngokukhawuleza xa ixesha lifika, kwaye ngoku kuza kuza"
Kufuneka kuphawulwe, nangona kunjalo, ngokweminye ingcali, ukunyaniseka okukhulu kwe-bitcoin kubangela ingozi kuphela kwimisebenzi emfutshane, kwaye ayikuchaphazeli utyalo-mali olude.
2. Ukungaziwa
Esinye sezizathu zokuthandwa kwe-bitcoin kukungaziwa. Ngethuba elifanayo, ithuba lokuhlala lingabonakali kwaye lingalawulwa yiziphathimandla lenza imali ye-Crypto ibonakale kuzo zonke iintlobo zokugculela, kuba akunakwenzeka ukulandelela ukuba ngubani oye waya kuyo. Ukungabikho kolwazi malunga nomntu owenza naye intsebenziswano, ubeka abatyali-mngcipheko ukuba babe yinkqubo kwinkqubo yokuthungula imali okanye ixhoba lamaphekula.
Ngokomzekelo, ngo-2016, abahlaseli bavimbe ikhomputha yeJapan eneminyaka engama-50 ubudala kwaye bafuna ukukhululwa kwentlawulelo ye-bitcoins e-3. Intlawulelo yayihlawulwe kubaphangi, kodwa abazange bavule ikhompyutha. Kwakungenakwenzeka ukufumana izigwenxa kwaye ubuyisele i-bitcoins.
NgoMeyi 2017, imali ye-crypto yayikuko kwinqanaba lehlabathi lonke, emva kokuba amawaka eikhompyutheni ayevalelwe yi-virus ethi WannaCry. Ukuvula abantu abaduni bafuna ihlawulelo kuphela kwiibhitcoins.
Kwakhona kunokwenzeka ukuba iimbumba zingasetyenziselwa ngabagubungela ukuxhasa ngemisebenzi yabo. Kule meko, imali ye-crypto ingavunyelwa kumgangatho wezomthetho ngamazwe amaninzi. Oku kuya kukhokelela ekuhlahleni okubukhali kwintengo ye-bitcoin.
3. Ukungabikho kwezinto eziphathekayo
"Kwishishini, ishishini kunye nabantu ngabanye, kungaba yingozi kakhulu ukutshala imali kwi-bitcoins, kuba yinto nje engayisondelwanga nayiphi na impahla ebonakalayo, kodwa ngokufuna imfuno ephezulu"
S.P. Sharma
Ngokungafani nemali, i-bitcoin ayinaso isiseko sempahla, ngoko, ngokweengcali, ayikwazi ukuba yindlela yokuhlawula ngokupheleleyo. Ukuba iirhafu zinomlinganiselo wesiseko sezinto ezixhomekeke kumgaqo-nkqubo welizwe kunye nezigqibo zebhanki enkulu, ukukhula nokuwa kweebhitcoins akulawulwa yiyiphi na kwaye kuxhomekeke kuphela kumlinganiselo wokubonelela nokufunwa.
I-Bitcoins ayikwazi ukubizwa ngokuthi yimali, kuba ayinayo iipropati ezimbini ezisisiseko zemali, ezikwazi ukulinganisa ixabiso lempahla kunye nokukwazi ukugcina ixabiso.
Khawucinge ngenye imeko: iifemu ezimbini zigqiba ukuthengiswa kweempahla ezivela kwelinye izwe ukuya kwelinye kwaye zivumelana ngokuhlawula iimpahla ngamatcoins. Iimpahla ziya kwindawo yazo ukuya kwiiveki ezimbalwa. Masithi kuthi ngeli xesha ixabiso le-bitcoin liphindwe kabini. Ziza kuthini iifemu zamaqabane kulo mzekelo?
4. Azikho iindlela ezikhuselekileyo zokutshala imali kwiBitcoin
Njengoko sele kuthethwe ngazo, nge-investment engaziwayo ungaba lixhoba logaxekile kwaye ulahlekelwe nguwo wonke utyalo-mali. Ukongezelela, kufuneka kukhunjulwe ukuba zonke i-bitcoin-transactions ayinakuguqulwa, i.e. Ukurhoxiswa kweemali-mboleko akunakwenzeka, nokuba ngaba wenze iphutha.
5. Akukho mntu uyazi kakuhle into
Kungekudala, umlawuli wezemali yaseMelika uJP Morgan, uJamie Daymon, wabiza ama-bitcoins a-pacifier waza wawafanisa nomkhuhlane we-tulip ka-1630, owaba ngowokuqala ukugqithiswa kwemakethe ye-stock market. Kule nto, umphathi oyintloko weBitcoin-exchanger uZebayay Sandip Goenka wenqabe ukuba iDimon, mhlawumbi, akayiqondi into eyenziwa yi-bitcoins.
Ngoko cinga: ukuba umlawuli weenkampani ezinkulu zezemali engabonakaliyo, njani ummi oqhelekileyo unokuqonda oku? Kwaye njengoko umtyalomali owaziwayo waseMelika uWarren Buffett wathi:
"Musa ukuqonda, musa ukutyalomali"
U khu seleko
Ubume bebhitcoins kunye nezinye i-crypto-currencies alulwanga ngumthetho. Ngaloo ndlela, konke ukutshala imali kwi "golide yegolide" kuyingozi kakhulu. I-economist eyaziwayo yase-Indian S.P. USharma uthe oku:
"Ukuba sithenga into ethile ngekhadi lesikweletu kunye nekhefu lokuthengisa, singabiza ibhanki kwaye sicele ukubuyiselwa imali. Kodwa ukuba uyakhohliswa xa usebenzisa iBitcoin, awukwazi ukubuyisela imali "