imithethonqubo yokuphathwa kokugeleza kwemali ehlongozwayo

Isikhangiso

Isikhangiso – skrolela phansi

UMgcinimafa Kazwelonke uphakamise iMithethonqubo Yokuphathwa Kokuhamba Kwezimali, ka-2026, ushintsho olubaluleke kakhulu ekulawulweni kwezezimali eNingizimu Afrika kusukela ngo-1961. Ngenkathi uhulumeni ebeka lokhu "njengokuthuthuka" kwezilawuli zokushintshisana, lo mbhalo wethula amandla amasha abanzi adlula kude imali yedijithali.
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UMnyango Wezezimali Kazwelonke uphakamise iMithethonqubo Yokuphathwa Kokuhamba Kwezimali, ka-2026, ushintsho olubaluleke kakhulu ekulawulweni kwezezimali eNingizimu Afrika kusukela ngo-1961.

Nakuba uhulumeni ebeka lokhu “njengokuthuthuka” kwezilawuli zokushintshisana, lo mbhalo wethula amandla amasha abanzi adlula kude imali yedijithali. Lo mbhalo unikeza uHulumeni igunya lokuqapha, ukunamathisela, kanye nokubamba “noma yini enenani lemali”. Kungakhathaliseki ukuthi wena ube nekhaya, ubambe igolide, uphathe impahla yobuhlakani, noma wonge ku-Bitcoin, le mithethonqubo ishintsha ubudlelwano obusemthethweni phakathi koMbuso nempahla yakho yangasese.
chofoza isixhumanisi ukuze uthole ulwazi olwengeziwe, noma skrolela phansi ukuze ubeke izwi lakho

buka ulwazi, izitatimende, imibhalo namavidiyo

Yiba nezwi lakho - lungisa imithethonqubo.
buka imibono yabanye ababambiqhaza ngaphambi kokuthi ubeke izwi

    Ingabe uyayisekela iMithethonqubo Yokuphathwa Kokugeleza Kwemali Esalungiswa njengoba yethulwe yiHhovisi Lomgcinimafa?

    Ukhathazwa yini? (skrola phansi ukuze uthole incazelo ngayinye)

    Njengoba ukhethe 'Konke okungenhla', uma bekufanele ukhethe into ebaluleke kakhulu, ubungakhetha ini?

    izinkambu ezingezansi ungazikhethela ———————————

    Isiphi isiteshi osincamelayo ukuze uthole impendulo ngalo mkhankaso?

    Ulimi lwakho oluncamelayo?

    Sithini isimo sakho? (ngokwezinjongo zethu zokubika kuphela)




    Hlola ikheli lakho le-imeyili bese ucindezela Thumela! Uzoqondiswa kabusha ekhasini lokuqinisekisa.

    Isithonjana se-D

    Izinkinga eziphezulu

    Isigaba 25 Amalungelo: Ukutholwa Kwenhloko-dolobha Kahulumeni

      • Lokho okushiwo yi-Regulation:
        Noma yimuphi umhlali onelungelo lokuthengisa igolide (ngaphandle kobucwebe noma imisebenzi yobuciko) enenani elidlula umkhawulo onqunyiwe kumele alinikeze uMgcinimafa Kazwelonke ukuze lithengiswe zingakapheli izinsuku ezingama-30. Kukhona amalungiselelo afanayo okuthengiswa okuphoqelekile kwezimpahla ze-crypto ezimenyezelwe noma amalungelo emali yangaphandle.
      • Umthelela Ongaba Khona:
        Lokhu kunciphisa ngempumelelo ikhono lezakhamuzi lokubamba igolide noma izimpahla zedijithali njengothango lwangasese ngokumelene nokwehla kwamandla emali. Abagxeki bathi lolu uhlobo lokuxoshwa ngenkani, lapho uHulumeni angakuphoqa ukuthi ushintshe izimpahla zangasese ngeRandi laseNingizimu Afrika (i-ZAR) ngentengo uHulumeni asiza ukuyinquma.

    Ukuphepha Kwempahla: Ukunamatheliswa Kwencwadi Yetayitela Nomhlaba

      • Lokho okushiwo yi-Regulation:
        UMgcinimafa Kazwelonke angabamba noma iyiphi impahla—kufaka phakathi impahla engashukumi (umhlaba)—uma kukhona “izizathu ezizwakalayo zokusola” ukuthi ihilelekile ekwephulweni kwemithethonqubo. Uma umhlaba ubanjwa, uMgcinimafa wazisa uMbhalisi Wezincwadi Zobunikazi, okumele abhale lokhu kubamba ngokumelene netayitela lempahla.
      • Umthelela Ongaba Khona:
        Lokhu kuvumela uHulumeni ukuthi “aqandise” ikhaya noma umhlaba wesakhamuzi ngokusekelwe ekusolweni kuphela, ngaphandle kokulahlwa yicala lobugebengu ngaphambilini noma umyalelo wenkantolo ofakazela ukuthi kwenziwe ubugebengu. Uma sekuphawulwe into enamathiselwe etayiteleni, umnikazi akanakuyithengisa, ayidlulisele, noma ayibophe ngesibopho impahla.

    Ubumfihlo Nokuzibopha: Ukunikezela Amaphasiwedi Nokhiye

      • Lokho okushiwo yi-Regulation:
        Uma impahla ithathwa kuHulumeni, umnikazi kumele ahlinzeke ngawo wonke amaphasiwedi, izinombolo zokuzazisa zomuntu siqu (ama-PIN), noma amakhodi adingekayo ukuze uMgcinimafa athole ukufinyelela nokulawula. Ngaphezu kwalokho, izikhulu zomthetho zinamandla okusesha “izihloko” (njengama-smartphone) emingceleni ukuze zithole ukunyakaza kwemali.
      • Umthelela Ongaba Khona:
        Ukuphoqa abantu ukuthi banikeze okhiye bedijithali noma amaphasiwedi ayimfihlo kungaphula ilungelo leSigaba 14 lobumfihlo kanye nelungelo leSigaba 35 ngokumelene nokuzibopha. Ukuphoqa umuntu ukuthi anikeze izindlela zobuchwepheshe ukuze uHulumeni athathe impahla yakhe kuwukuhlukana okukhulu nokuvikelwa okusemthethweni okumisiwe.

    Ukweqisa Ngokwemithetho: Ukuchaza "Noma Yini Eyigugu" Njengenhloko-dolobha

      • Lokho okushiwo yi-Regulation:
        Igama elithi “i-Capital” lichazwa kabanzi ngokuthi lifaka phakathi “noma yini enenani lemali”, noma yini engaguqulwa ibe yimali, kanye namalungelo empahla yobuhlakani (kungakhathaliseki ukuthi ibhalisiwe noma ayibhalisiwe).
      • Umthelela Ongaba Khona:
        Ngokuchaza imali kabanzi, uHulumeni kungenzeka athole ukwengamela cishe zonke izinhlobo zokudluliselwa kwengcebo. Lokhu kungafaka phakathi ukuthengiswa kwenqubo yebhizinisi, ilungelo lobunikazi, noma ngisho nezinto zomuntu siqu ezinenani eliphezulu kumuntu ongeyena umhlali, konke okuzobe sekuwela ngaphansi kwemikhawulo eqinile "yokuthumela imali kwamanye amazwe".

    Ukuntuleka Kokucaca: "Imingcele Enqunyiwe" Engachazwanga

      • Lokho okushiwo yi-Regulation:
        Kuyo yonke i-draft, imikhawulo yokuthenga, ukuthengisa, noma ukuhambisa izimpahla isebenza kuphela uma inani lingaphezu "komkhawulo onqunyiwe".
      • Umthelela Ongaba Khona:
        UNgqongqoshe Wezezimali unamandla okubeka nokushintsha le mikhawulo ngesaziso kuGazethi nganoma yisiphi isikhathi. Lokhu kusho ukuthi umphakathi ucelwa ukuba uphawule ngomthetho lapho “izindawo ezibangela” zingaziwa khona. Umkhawulo ophansi ungenza ukuthengiselana kwansuku zonke kube yicala, kanti ophezulu ungathinta abacebile kuphela—kodwa uhlaka alunikezi siqinisekiso.

    Ukwenziwa Ubugebengu: Izigwebo Zeminyaka Emi-5 Ejele Ngamaphutha

      • Lokho okushiwo yi-Regulation:
        Umuntu wenza icala uma “ngobudedengu noma ngamabomu” enza noma yisiphi isitatimende esingamanga noma esingalungile esimemezelweni. Izijeziso zifaka phakathi inhlawulo efinyelela ku-R1,000,000 kanye/noma ukuboshwa iminyaka emihlanu.
      • Umthelela Ongaba Khona:
        Njengoba kuyinkimbinkimbi yokulandelela izimpahla zomhlaba wonke noma izikhwama zemali zedijithali, umhlali angenza kalula "isitatimende esingalungile" ngenxa yephutha noma ukungaqondi kahle. Lo mbhalo uvumela ukushushiswa kobugebengu ngisho noma amaphutha "anganaki", okungenzeka ukuthi ashiye izakhamuzi ezivamile ngamarekhodi obugebengu ngenxa yokungaphathwa kahle kwezokuphatha.

    Ukusekelwa Kokuthuthukiswa Kwesimanje kanye Nokuhambisana Nemithetho Ye-FATF

      • Impikiswano:
        Le mithetho ihlose ukususa uhlaka luka-1961 bese iqhubekela ohlelweni olusekelwe ezingozini. Abasekeli bathi lokhu kubalulekile ukuze iNingizimu Afrika ilwe nokuhlanzwa kwemali kanye nokuxhaswa ngezimali kwamaphekula, igcine ubudlelwano bamabhange omhlaba wonke, futhi igweme ukubuyela “ohlwini olumpunga” lwe-FATF.
      • Isu:
        Abasekeli bakholelwa ukuthi ngokuletha ukugeleza kwemali ye-crypto kanye nemali yesimanje endaweni elawulwayo, uHulumeni angawuvikela kangcono umnotho wezwe futhi aqinisekise ukuthi bonke abahlali banikela ngokulinganayo esisekelweni sentela.

    Imibono: Iyini impikiswano?

    Ukungezwani okukhulu kuphakathi kwegunya likaHulumeni lokuvikela umnotho wezwe kanye nelungelo lomuntu ngamunye ngokomthethosisekelo lokuba yimfihlo kanye nempahla.

    Icala Lemithethonqubo (Umbono Kahulumeni)

      • Ukuphepha Kwezwe:
        Ukuthuthukisa imithetho ka-1961 kubalulekile ukuze kumiswe ukuhlanzwa kwemali kanye nokuxhaswa ngezimali kwamaphekula, kuqinisekiswe ukuthi iNingizimu Afrika ihlala ingekho ohlwini lwe-FATF olumpunga.
      • Ukuzinza Kwezomnotho:
        Ngokulandelela ukuhamba "kwanoma yini enenani lemali," uMbuso ungavikela iRandi laseNingizimu Afrika ekuphazamiseni ukuhamba kwemali.
      • Izihibe Zokuvala:
        UMbuso uthi uma ungakwazi ukubona noma ukulawula ukugeleza kwegolide, i-IP, kanye ne-crypto, awukwazi ukuphatha ngempumelelo ubukhosi bezezimali bezwe.

    Icala Elimelene Nemithethonqubo (Umbono Wamalungelo)

      • Ukuguguleka Kwamalungelo Empahla:
        Ukuphoqa izakhamuzi ukuthi zithengisele uHulumeni igolide nokuvumela uMgcinimafa ukuthi avale izincwadi zomhlaba ngokusekelwe “ekusolweni” kuphela kubhekwa njengokwephulwa kweSigaba 25 soMthethosisekelo.
      • Ukweqisa Umthethosisekelo:
        Ukufuna ukubuyiselwa kwamaphasiwedi ayimfihlo nokuvumela ukusesha amadivayisi emingceleni kulimaza amalungelo obumfihlo kanye nokungazibophezeli.
      • Ingcuphe Yezomnotho:
        Abagxeki baxwayisa ngokuthi ukuphatha yonke inzuzo yangasese njengensiza ephethwe nguhulumeni kuzovimbela ukutshalwa kwezimali kwamanye amazwe futhi kuholele emisha yasendaweni ezindaweni eziphephile.
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