- Cha, angiyisekeli incwadi yemiyalelo 2810
- Yebo nginazo 47
- Hhayi ngokugcwele 113
UMnyango Wokuqapha Izimali weBhange Lombuso laseNingizimu Afrika (SARB) (FinSurv), ngokubambisana noMgcinimafa Kazwelonke, ushicilele uhlaka lweNcwadi Yempahla Ye-Crypto yemisebenzi ewela imingcele ukuze umphakathi uphawule ngayo.
Lo mbhalo onamakhasi angu-88 uchaza ukwakheka kokusebenza okulawula ukuthi izimpahla zedijithali zingangena futhi ziphume kanjani eNingizimu Afrika. Ikhishwe ukuze ihambisane nohlaka lwe-Capital Flow Management Regulations olwashicilelwa ngomhlaka-17 Ephreli 2026, le ncwadi isungula izimo zelayisensi, imikhawulo yokuthengiselana, kanye nezimfuneko zokubika zabahlinzeki bezinsizakalo ze-Crypto Asset Service abagunyaziwe (ama-CASP agunyaziwe).
Iziphathimandla zithi le mithetho iklanyelwe ukuvimbela ukulamula okulawulayo phakathi kwamabhange avamile kanye namapulatifomu e-fintech, ukwenza ukuqapha okuwela imingcele kube kwesimanje, kanye nokusiza i-FinSurv ekutholeni nasekuphazamiseni ukugeleza kwezimali okungekho emthethweni.
Kodwa-ke, incwadi yemiyalelo ebhaliwe yethula imikhawulo ebalulekile yesakhiwo eshintsha kakhulu indlela abantu ngabanye kanye namabhizinisi ebhizinisi abasebenzisana ngayo nezimpahla zedijithali.
chofoza isixhumanisi ukuze uthole ulwazi olwengeziwe, noma skrolela phansi ukuze ubeke izwi lakho
Umi kuphi?
🔴 NGIYAPHIKISA i-Crypto Asset Manual ebhalwe ngendlela yayo yamanje
🟡 NGIYACHIBULA / ANGISHINTSHI NGOKUPHELELE (Imithetho yobuchwepheshe engathathi hlangothi, esebenzayo)
🟢 NGIYISEKELA NGOKUPHELELE Incwadi Yemiyalelo Yempahla Ye-Crypto eshicilelwe
Veza uvo lwakho - hlela incwadi yemiyalelo.
Izinkinga eziphezulu
Inqubomgomo Esalungiswa:
Ithebula 1 kanye neThebula 2 zimemezela ukuthi ukudluliselwa kwezimpahla ze-crypto ezivela esikhwameni esingagcini (esiziphethe) ziye kwi-CASP egunyaziwe yasekhaya "kubhekwa njengokuthengiselana okungavunyelwe".
Ingozi Yezomthetho Nesebenzayo:
Abantu abahlala khona bangakhipha imali ye-crypto bayiyise esikhwameni sehadiwe somuntu siqu ngaphansi kwe-R2 million Single Discretionary Allowance (SDA) yabo noma i-R10 million Foreign Capital Allowance (FCA). Kodwa-ke, bavinjelwe ngokomthetho ukuthi bangalokothi babuyisele lezo zimpahla endaweni yokushintshaniswa kwezwe enelayisensi ukuze zithengiswe zibe yiRandi. Ukudluliselwa kwangaphakathi kuvunyelwe kuphela uma kuthunyelwa ngqo kusuka ku-CASP egunyaziwe yaphesheya kwezilwandle. Lokhu kuphatha ukuzigcina komuntu siqu njengokungemthetho futhi kubopha ukonga kwaphesheya kwezilwandle noma ngaphandle kwenethiwekhi yamabhange yasekhaya.
Iphuzu Eliphakanyisiwe Lokuhambisa:
Funa ukuthi i-FinSurv isuse ukuhlukaniswa okungavumelekile kokudluliselwa kwangaphakathi kusuka kuma-wallet azisingathayo. Ukudluliselwa kwangaphakathi kufanele kuvunyelwe ngokuya nge-Customer Due Diligence ejwayelekile (CDD), ukuqinisekiswa komthombo wemali, kanye nokuhlolwa kwengozi ye-blockchain ngaphansi koMthetho we-FIC.
Inqubomgomo Esalungiswa:
Isigaba B.1(C)(iii)(b)(dd) kanye neThebula 1 sithi: “Izinhlangano ezihlala khona azikwazi ukungena ekuthengiselaneni kwempahla ye-crypto okubhekwa njengokungenisa noma ukuthunyelwa kwemali ngokwemigomo yeMithethonqubo ehlongozwayo”.
Ingozi Yezomthetho Nesebenzayo:
I-Corporate South Africa—kufaka phakathi izinkampani ezibhalisiwe, amabhizinisi ezobuchwepheshe, ama-SMME, kanye nama-trust—ayivunyelwe ukusebenzisa izimpahla zedijithali ngezinkokhelo zamazwe ngamazwe, ukubhaliswa kwesofthiwe, izimali zabakhi bezinkampani zakwamanye amazwe, noma isivumelwano sokuhweba ngaphesheya kwemingcele. Lokhu kushiya amabhizinisi aseNingizimu Afrika esengozini yokuncintisana nontanga bamazwe ngamazwe abasebenzisa i-blockchain rails ezishibhile, eziseduze ngokushesha.
Iphuzu Eliphakanyisiwe Lokuhambisa:
Funa ukuthi izinhlangano ezihlala ezinkampanini zinikezwe izibonelelo ze-crypto eziwela imingcele ngokuhambisana nezibonelelo zendabuko zokushintshaniswa kwemali yangaphandle, kuncike ekubikweni kwebhalansi yokukhokha kanye nokuthobela imithetho yentela yezinkampani ze-SARS.
Inqubomgomo Esalungiswa:
Lolu hlaka lulawula indlela yokubhala eyimfihlo hhayi umsebenzi wezomnotho. Inkokhelo ye-invoyisi ewela imingcele eyenziwe nge-correspondent banking rails iyavunyelwa, kodwa ukuthengiselana okufanayo kwezentengiselwano okuxazululwe nge-public ledger kuyavinjelwa.
Ingozi Yezomthetho Nesebenzayo:
Lokhu kuphikisana ngqo nenqubo yenqubomgomo kaMbusi we-SARB uLesetja Kganyago yokuthi imisebenzi yezezimali efanayo kumele ibhekane nezidingo zokulawula ezifanayo kungakhathaliseki ukuthi ubuchwepheshe obusetshenziswayo bunjani. Ukulawula isitimela kunengozi kuphazamisa imakethe yezezimali futhi kujezise ukusungula izinto ezintsha kwezobuchwepheshe.
Iphuzu Eliphakanyisiwe Lokuhambisa:
Phikelela ukuthi i-FinSurv ivumelanise le ncwadi nesimiso sokungathathi hlangothi kobuchwepheshe, iqinisekise ukuthi ukuthengiselana okuvunyelwe ngaphansi kweziteshi zokulawula ukushintshana kwezimali zendabuko kuvunyelwe ngokulinganayo uma kwenziwa ngama-CASP anelayisensi.
Inqubomgomo Esalungiswa:
Izithiyo zokungena eziqinile, izimfuneko ezinkulu zemali, kanye nokuvinjelwa kokusebenza kokusetshenziswa kwezinkampani.
Ingozi Yezomthetho Nesebenzayo:
Amapulatifomu ezezimali ahamba phambili abika ukuthi ukutshalwa kwezimali kwangaphandle ngqo ohlelweni lwe-fintech lwaseNingizimu Afrika kuyama. Onjiniyela besofthiwe abanamakhono aphezulu, ochwepheshe bokuthobela imithetho, kanye nabakhi bezakhiwo ze-blockchain babhekene nokudilizwa njengoba izinkampani zicabanga ukushintsha zibe yizindawo ezithuthukayo njenge-UAE, i-UK, noma i-Mauritius. Ukuphoqelela umsebenzi wokuhweba ezimakethe zasogwini noma ezimakethe zontanga nakho kunciphisa isisekelo sokuqoqwa kwentela se-SARS.
Iphuzu Eliphakanyisiwe Lokuhambisa:
Gcizelela kuMgcinimafa Kazwelonke ukuthi ukulawulwa kwezimali okunemingcele ngokweqile kulimaza umnotho wasekhaya ngokuqhuba ibhizinisi, ukuthengwa kwemali, kanye nemali engenayo ekhokhiswa intela eNingizimu Afrika.
Inqubomgomo Esalungiswa:
Ngaphansi kweSigaba B.2(B), ama-CASP agunyaziwe kumele agcine ibhalansi yemali engenayo engasebenzi kahle elingana ne-R5 million ephezulu noma u-15% wemali engenayo yonyaka ejwayelekile eminyakeni emithathu edlule. Le mali kumele igcinwe kwi-akhawunti yasebhange ehlukanisiwe eneRandi futhi ayikwazi ukususwa, ukufakwa isithembiso, noma ukuvinjelwa ngaphandle kwemvume ebhaliwe ye-FinSurv.
Ingozi Yezomthetho Nesebenzayo:
Ukuvalela okungenani u-R5 million wemali ye-fiat engavinjelwe kudala isithiyo esingenakunqotshwa sokungena kwezinkampani ezintsha ze-fintech zasekhaya. Ngaphezu kwalokho, imikhawulo eqinile engqalasizinda yamafu yamazwe ngamazwe, ukwenziwa kwedatha endaweni, kanye nokuvinjelwa kwezakhiwo zamagatsha angaphandle kusiza amabhange asekhona anezimali eziningi, okunciphisa ukuncintisana.
Iphuzu Eliphakanyisiwe Lokuhambisa:
Cela uhlaka lokwanela kwemali oluhlelwe ngokwezinga, olulungiswe ngengozi lwe-CASPs yeSigaba 1 kanye neSigaba 2 olubonisa amanani angempela okuthengiselana kanye nengozi yokusebenza, kunokuba kube nokuvalwa kwemali okugcwele okungu-R5 million.
Inqubomgomo Esalungiswa:
UMgcinimafa Kazwelonke kanye ne-SARB bashicilele lo mbhalo ohlongozwayo ngenkathi imibono yomphakathi mayelana nomthetho ohlongozwayo oyinhloko we-Capital Flow Management Regulations (owashicilelwa ngo-Ephreli 17, 2026) ingakaxazululwa.
Ingozi Yezomthetho Nesebenzayo:
Incwadi ebhaliwe yokusebenza ichaza izincazelo kanye nezindlela zokuphoqelela (kufaka phakathi izinhlawulo zobugebengu kanye nokudalulwa okuphoqelekile) okuthathwe kumthethonqubo wabazali ongakaphothulwa. Ukufuna umphakathi ukuthi uhlole imithetho yokusebenza ngaphansi kwesisekelo somthetho esingakaphothulwa kwephula ubulungisa benqubo ngaphansi kweSigaba 33 soMthethosisekelo kanye ne-PAJA.
Iphuzu Eliphakanyisiwe Lokuhambisa:
Cela uMgcinimafa Kazwelonke ukuthi amise ukusetshenziswa kwencwadi ebhaliwe kuze kube yilapho iMithethonqubo Yokuphathwa Kokuhamba Kwemali ivuselelwa, ishicilelwe kabusha kugazethi ngokusobala, futhi ivunyelaniswe nemibono yomphakathi.
Inqubomgomo Esalungiswa:
Ama-CASP agunyaziwe kumele abike izihlonzi zamakhasimende ezinemininingwane, amakheli okuhlala, ama-transaction hashes, kanye namakheli esikhwama semali ku-FinSurv ngokusebenzisa amamojula okubuyisana kwansuku zonke aqondile, agcine amarekhodi okungenani iminyaka emihlanu.
Ingozi Yezomthetho Nesebenzayo:
Ama-blockchain omphakathi ayizincwadi zokugcina ulwazi ezihlala njalo, ezingaguquki. Ukuxhumanisa ubunikazi bomuntu siqu, amakheli asekhaya angokoqobo, kanye nezinombolo zentela namakheli esikhwama semali somphakathi kuseva kahulumeni ehlanganisiwe kudala izingozi ezinkulu zobumfihlo ngaphansi kweSigaba 14 soMthethosisekelo kanye noMthetho Wokuvikelwa Kolwazi Lomuntu Siqu (i-POPIA), okudala umgomo wokwephulwa kwe-inthanethi kanye nokulandelela ezezimali.
Iphuzu Eliphakanyisiwe Lokuhambisa:
Khuthaza iBhange Eliyinhloko ukuthi lisebenzise izindlela zokubika zokugcina ubumfihlo eziqoqa idatha yokugeleza komnotho ehlanganisiwe ngaphandle kokugcina amamephu wobunikazi besikhwama angavikelwe kuma-database ahlanganisiwe.
Inqubomgomo Esalungiswa:
Isigaba A.4(vii) kanye neThebula 2 zivimbela ngokusobala ama-CASP agunyaziwe ukuthi angene kunoma yikuphi ukuthengiselana kwempahla ye-crypto nezakhamuzi ze-CMA (Lesotho, Namibia, kanye ne-eSwatini). Ngaphezu kwalokho, ukuthunyelwa kwemali kweSigaba 1 kukhawulelwe kumkhawulo ongavamile ka-R5,000 ngosuku kanye no-R25,000 ngenyanga.
Ingozi Yezomthetho Nesebenzayo:
Ukukhipha omakhelwane besifunda kuvimbela imizila yokuthumela imali eshibhile esekela imindeni kanye nokuhwebelana ngamazwe aseNingizimu Afrika. Lokhu kuphikisana nemigomo yokuhlanganiswa komnotho wesifunda ye-SADC kanye ne-African Continental Free Trade Area (AfCFTA).
Iphuzu Eliphakanyisiwe Lokuhambisa:
Funa ukuthi kususwe ukuvinjelwa okubanzi kwezakhamuzi ze-CMA kanye nokubuyekezwa okuphezulu kwemingcele yokuthumela imali ukuze kuboniswe izidingo zokuhweba zangempela kanye nokusekelwa ngezimali kwemindeni.
Impikiswano:
Abasekeli bathi ukwenza kube semthethweni ukugeleza kwe-crypto ngaphesheya kwemingcele kunikeza isiqiniseko sokulawula, kuvala imigudu yezezimali engekho emthethweni, futhi kuvumelanisa iNingizimu Afrika nezindinganiso zomhlaba wonke ze-FATF ngemuva kokuphuma kwayo ohlwini olumpunga.
Iphuzu Eliphakanyisiwe Lokuhambisa:
Ncoma i-SARB ngokusungula izigaba zokubika ezicacile kanye nokwenza kube semthethweni ama-CASP agunyaziwe eSigaba 1, 2, kanye no-3, ngenkathi icela ukuthi izidingo zobuchwepheshe zilungiswe ukuze kusekelwe ukukhula kwemakethe yasekhaya.
Imibono: Iyini impikiswano?
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- Ukunciphisa i-Arbitrage Yokulawula:
Ukunyakaza kwe-crypto okungalawulwanga kwemingcele kuphazamisa uhlaka lokushintshaniswa kwemali yangaphandle. Ukuletha ukuthengiselana kwe-crypto ngaphakathi kokubika okujwayelekile kwebhalansi yokukhokha kuqinisekisa ukuthi izinhlangano ze-fintech zibhekene nokubhekwa kokuthobela imithetho okufanayo namabhange ezentengiselwano. - Ukuvikela Imali Yezimali Neyesizwe:
Enkathini yezimali zedijithali ezingenamingcele, ukuphuma kwemali okungalandelwanga kusongela ukuzinza komnotho wasekhaya kanye neRandi laseNingizimu Afrika. Ukuqapha okuphelele kwenza i-FinSurv ikwazi ukulandelela inani langempela lemali ehamba ngaphesheya kwemingcele. - Ukuvikela Ukuma Kwezezimali Kwamazwe Ngamazwe:
Ngemva kokususwa kweNingizimu Afrika ohlwini olumpunga lweFinancial Action Task Force (FATF), ukuvala izikhala zokulwa nokuhlanzwa kwemali kanye nokuxhaswa ngezimali okulwa nobuphekula (AML/CFT) kwamanye amazwe kuyadingeka ukuze kulondolozwe ubudlelwano bamabhange omhlaba wonke. - Ukuqinisekisa Ukuxazululwa Kwezinkinga Zeplatifomu:
Ukuphoqelela imali encane yokugcina imali engenazinkinga engu-R5 million kanye nokuphoqelela ukuhlukaniswa kwempahla yamakhasimende kuvikela abathengi bansuku zonke ekuweni kwezimali kanye nemikhuba yokukhwabanisa. - Izindlela Zemboni Ezihlelekile:
Le ncwadi ithatha indawo yokungacaci komthetho ngemodeli yelayisensi echazwe kahle, enezigaba (Isigaba 1, 2, kanye no-3), enikeza ukufaneleka kwezikhungo kubasebenzi abathobela imithetho.
- Ukunciphisa i-Arbitrage Yokulawula:
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- Ukwephulwa Kokungathathi hlangothi Kwezobuchwepheshe:
UMbusi we-SARB uLesetja Kganyago uthe “imisebenzi yokukhokha efanayo kufanele ihambisane nokulindeleke okufanayo kwemithetho, kungakhathaliseki ukuthi yenziwa yibhange noma yi-fintech.” Incwadi ebhaliwe yephula lesi simiso ngokuvumela amabhizinisi ukuthi aqalise izivumelwano zabathengisi bamazwe ngamazwe nge-SWIFT ngenkathi evimbela ngokuphelele ukuthengiselana okufanayo kwezomnotho uma kudluliswa nge-blockchain rails elawulwayo. - "Ugibe Lokugcina Izinto Ezibandayo":
Ukuhlukanisa ukudluliselwa kwangaphakathi kusuka kuma-wallet angagcini njengengavumelekile kujezisa impahla eyisisekelo yobuchwepheshe be-blockchain yomphakathi: ukuzigcina komuntu ngamunye. Kudala umgwaqo ohamba ngendlela eyodwa lapho izakhamuzi zingaphatha khona impahla yazo yedijithali, kodwa zivaliwe ngokomthetho ohlelweni lwamabhange asekhaya uma zifisa ukuyibuyisela ezweni lazo. - Ukuhlukaniswa Kwezomnotho Kwebhizinisi LaseNingizimu Afrika:
Ukuvimbela izinkampani zaseNingizimu Afrika kanye nama-trusts emigwaqweni ye-crypto ewela imingcele kuhlukanisa umkhakha wezobuchwepheshe wasekhaya, abathumeli bedijithali, kanye nezinkampani ezintsha ze-Web3 emnothweni wedijithali womhlaba wonke, okubavimbela ekusebenziseni iziteshi zokuxazulula i-stablecoin ezisebenza kahle. - Usongo Emisebenzini Yasekhaya kanye Nokutshalwa Kwezimali Kwamanye Amazwe:
Inhlangano eholwa yi-CATASTROPHE (kufaka phakathi i-VALR, i-Luno, i-AltCoinTrader, kanye ne-EasyEquities) ixwayisa ngokuthi izigidigidi zamaRandi ekutshalweni kwezimali kwangaphandle ngqo kwi-fintech yaseNingizimu Afrika zivaliwe, okubeka izinkulungwane zemisebenzi enamakhono kanye neminikelo ebalulekile yentela yezinkampani kanye ne-PAYE engozini esheshayo. - Isisusa Esiphambene Sokundiza Okungalawulwa:
Ukubeka imikhawulo engasebenzi ngeke kuvimbele ukusetshenziswa kwempahla yedijithali; kuzomane kususe uketshezi ekushintshisaneni kwasekhaya okuhambisanayo kuye kumanethiwekhi angalawulwayo ontanga-kuya-kontanga (P2P), okuzophuphuthekisa i-FinSurv kanye ne-SARS. - Inqola Yokuphatha Ngaphambi Kwehhashi:
Ukucela ukuphawula komphakathi ngemiyalelo yokusebenza ngenkathi iMithethonqubo Yokuphathwa Kokuhamba Kwemali ingakaxazululwa kuphazamisa ukulunga kwenqubo ngaphansi kwe-PAJA.
- Ukwephulwa Kokungathathi hlangothi Kwezobuchwepheshe: