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Uburyo bworoshye bwo gukoresha ifaranga ryo mu ikoranabuhanga mu Rwanda

Yanditswe na Igizeneza Jean Désiré
Kuya 7 Ukuboza 2022 saa 11:56
Yasuwe :

Kuva mu myaka ya vuba aha, ibihugu bya Afurika n’u Rwanda rurimo byahagurukiye gukoresha ifaranga ryo ku ikoranabuhanga, ibizwi nka ’Cryptocurrency’, mu buryo bwo guhanahana amafaranga byoroshye no kubona inyungu zifasha abarikoresha kwiteza imbere.

Ni gahunda yafashwe n’ibihugu kandi kugira ngo bihangane n’ibibazo by’izamuka ry’ibiciro rikabije ndetse n’ibindi bibazo by’ubukungu bitandukanye.

Nk’ibihugu bya Tanzania na Nigeria byatangiye kureba uko byatangiza ikoreshwa ry’amafaranga y’ikoranabuhanga arimo Bitcoin na Ethereum, ariko bigakorwa mu buryo bushobora kugenzurwa.

U Rwanda narwo rubinyujije muri Banki Nkuru y’Igihugu, BNR rwatangiye kureba uko rwakoresha aya mafaranga y’ikoranabuhanga ariko narwo rwashobora kugenzura.

Mu 2019 BNR yatangaje ko iri gukora ubushakashatsi n’inyigo bigamije kureba uko mu Rwanda hatangira gukoreshwa ifaranga ry’ikoranabuhanga rizwi mu rurimi rw’Icyongereza nka ’Digital Currency’.

Ubu buryo bw’amafaranga y’ikoranabuhanga agenzurwa na Banki Nkuru y’Igihugu buzwi nka ’Central Bank Digital Currency (CBDC)’ butandukanye na ’Cryptocurrency’ ari n’aho ayo mu bwoko bwa Bitcoin, Ethereum n’andi abarizwa.

Isesengura ryakozwe n’Ikigo gisesengura ikoreshwa ry’ifaranga ry’ikoranabuhanga cya Cointobuy cyasanze u Rwanda ruri ku mwanya wa 238 mu bihugu 249 bikoresha ifaranga ryo ku ikoranabuhanga ku rugero runini.

Gusa mu 2018 BNR yagaragaje ko uzakoresha iri faranga azirengera ingaruka ashobora kugira, ibi bivuze ko ritabujijwe gukoreshwa n’ubwo ritanagenzurwa na none na leta ku buryo bweruye.

Impamvu Cryptocurrency ikenewe mu Rwanda

Muri iyi minsi u Rwanda nk’ibindi bihugu ruhanganye n’izamuka ry’biciro rihanitse ku masoko n’ibindi bibazo by’ubukungu, Bitcoin nka rimwe mu mafaranga akoreshwa ku ikoranabuhanga ryafasha mu guhangana n’ibi bibazo.

Bijyanye n’uko ubukungu bw’Igihugu buri kwaguka binyuze mu nguni zitandukanye, abaturage nabo bashishikariye kumenya uko Cryptocurrency ikora kugira ngo bayifashishe mu kuzamura ubukungu bwabo.

Iyi niyo mpamvu Ikigo gitanga serivisi zijyanye n’ifaranga ryo ku ikoranabuhanga, Yellow Card cyiyemeje gutanga amakuru yose ku buntu binyuze mu cyo bise ’Yellow Card Academy’.

Kuba umubare w’Abanyarwanda batunze telefoni zigendanwa wiyongera, bituma babasha kugenzura umutungo wabo aho baba bari hose, banakangukira ikoranabuhanga nk’irya cryptocurrency.

Ifaranga ryo ku ikoranabuhanga cyane irya Bitcoin ryiyongera mu gaciro uko ibihe bihinduka, ku buryo abantu benshi batangiye kurishoramo imari.

Ni uburyo butanga icyizere ku babukoresha kuko uretse inyungu ibamo, ihererekanwa ry’amafaranga rikorerwa aho buri wese abireba, bikaba bitabamo uburiganya.

Yellow Card ni kimwe mu bigo bitanga serivisi z’ifaranga ryo ku ikoranabuhanga cyane irya Bitcoin ku buryo bwizewe ndetse burindiwe umutekano, ku buryo abaturuka mu bihugu bitandukanye bagana iki kigo kubw’izi serivisi.

Iki kigo gifasha abakigana kugura no kugirisha ifaranga rya Bitcoin ndetse n’andi akoresha ikoranabuhanga nta kiguzi baciwe.

Ifite uburyo irinda amakuru ku buryo bwizewe ku buryo ubikoresha atakwibwa mu buryo bumwe cyangwa ubundi.

Yellow Card ifite uburyo bwiswe ’Two Factor Authentication’ bufasha amafaranga kuba arindiwe umutekano ku buryo bushoboka, ndetse ihererekana ry’amafaranga ribera ku gihe kuko gutinda bishora guteza igihombo.

Iki kigo gikorera mu bihugu 16 bya Afurika gifasha ukoresha Bitcoin kuzigura no kuzigurisha mu mafaranga y’imbere mu gihugu aho nko mu Rwanda umuntu ashobora gukoresha uburyo bwose bukoreshwa mu kwishyura no kugura ibintu mu gihugu.

Yellow Card kandi ifite uburyo bwiswe ’Yellow Pay’, nk’uburyo bwihariye bwo gukoresha muri izi serivisi z’ifaranga ry’ikoranabuhanga.

Yellow Card ifasha umuntu kugura no kugurisha Bitcoin zibarirwa mu mafaranga agera kuri miliyoni 50$ binyuze ku mashami yabo atandukanye, aho ushobora kubitsa amafaranga y’u Rwanda ukayaguramo ay’Ikoranabuhanga ukoresheje SPENN na Mobile Money.

Bikorwa winjiye ku rubuga rwa Yellowcard.io hanyuma ukabitsaho amafaranga y’u Rwanda, ububiko bw’ikoranabuhanga (online wallet), buhita bujyaho ayo mafaranga mu gihe umaze kwemeza ko wabikije.

Ku rubuga rwa SPENN naho uhitamo kubitsa noneho ugahitamo kubitsa na SPENN, ugahitamo niba ufite konti ya SPENN, ugashyiramo nimero yawe ya telefoni, ugashyiramo umubare w’amafaranga noneho ukemeza.

Nyuma ujya no kuri konti yawe ya SPENN muri telefoni yawe amafaranga ako kanya amafaranga ahita ajya kuri konti yawe ya Yellow Card.

Iyo umaze gukurikiza amabwiriza kugura ifaranga ryo ku ikoranabuhanga biba bishoboka cyane kuko ujya ahanditse kugura Bitcoin ugashyiramo umubare w’ayo ushaka ukemeza, ako kanya ububiko bwawe buhita bujyaho umubare wa Bitcoin uguze.

Bifasha umuntu kandi kuba yabika amafaranga ye mu madorari cyangwa se mu yandi mafaranga y’ikoranabuhanga nka Tether ku buryo bworoshye.

Iyo wamaze kugura Bitcoin biba byoroshye kongera kuba wabona amafaranga y’u Rwanda binyuze mu kugurisha Bitcoin ufite mu bubiko ako kanya ubifashijwemo na Yellow Card.

Kugurisha ifaranga ry’ikoranabuhanga rya Bitcoin ushakamo amafaranga y’u Rwanda, ujya ku rubuga rwa Yellow Card ukajya ahanditse kugurisha (sell) ugashyiramo amafaranga ushaka kugurisha hanyuma ukemeza amafaranga agahita aza kuri Mobile Money hanyuma ukajya kubikuza.

Kubikuza ujya ahanditse kubikuza (withdraw) hanyuma ugashyiramo umubare ushaka kubikuza avuye kuri konti yawe ya Yellow Card hanyuma ukemeza ugashyiramo umubere w’ibanga amafaranga ajajya kuri konti ya banki yawe runaka.

Kubikuza ukoresheje SPENN nabwo winjira muri konti yawe ukajya aho babikuriza noneho ugahitamo kubikuza ukoresheje SPENN (Withdraw with SPENN) ukemeza ko ufite konti ya SPENN ugashyiramo nimero wakoresheje ufunguza konti ya SPENN hanyuma ugashyiramo umubare w’amafaranga ushaka ubundi ukemeza.

Uhita ujya kuri porogaramu ya SPENN (SPENN mobile app) ukemeza ubutumwa wahawe na Yellow Card ukabwemeza amafaranga ushaka ahita aza byihuse.

Yellow Card ni imwe mu bigo bicuruza amafaranga yo mu ikoranabuhanga (cryptocurrency) muri Afurika itera imbere mu buryo bwihuse, ifasha abantu gukora ubucuruzi bw’ihererekanya ry’amafaranga yo kuri internet ikoresha ikoranabuhanga ryiza kandi idahenze mu gutanga serivisi nziza zihuse kandi zifite umutekano ku kiguzi gito mu bihugu byinshi bya Afurika n’ahandi.


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