isifinyeto

Inhlokodolobha ichazwa ngokuthi “yinoma yini enenani lemali,” okuhlanganisa amalungelo empahla yobuhlakani kanye nanoma iyiphi impahla engaguqulwa ibe yimali.

Izakhamuzi ezinegolide (ngale kobucwebe noma izinhlamvu zemali) ezingaphezu komkhawulo othile kumele zilithengise kuMgcinimafa Kazwelonke zingakapheli izinsuku ezingama-30. Uhulumeni unquma intengo

Nakuba umhlaba ungafakiwe encazelweni yegama elithi “capital,” ufakiwe njenge “property”. UMgcinimafa “anganamathisela” impahla engashukumi ngokusekelwe ekusolweni kokwephulwa komthetho futhi abhale lokhu okunamathiselwe ngqo etayiteleni lakho letayitela kuRejista Yezincwadi Zetayitela.

Izimpahla ze-Crypto manje "ziyimali" ngokusemthethweni. Ukuthenga noma ukuthengisa ngasese ngaphezu komkhawulo akuvunyelwe ngaphandle kokuthi kwenziwe "ngomhlinzeki wesevisi ogunyaziwe".

UMgcinimafa “anganamathisela” (amise) imali noma impahla ngokusekelwe “ezizathwini ezizwakalayo zokusola” ukwephulwa komthetho, ngendlela ephumelelayo egwema icala lobugebengu langaphambilini.

Izimpahla zedijithali manje sezichazwa ngokomthetho ngokuthi “inhlokodolobha,” okusho ukuthi ziphathwa njengempahla engaphansi kwemikhawulo efanayo yokuthumela nokungenisa njengegolide noma imali yangaphandle.

Akekho umuntu ongathenga noma athengise izimpahla ze-crypto ezingaphezu komkhawulo onqunyiwe ngaphandle kokuthi asebenzise “umhlinzeki wesevisi yezimpahla ze-crypto ogunyaziwe”.

UMgcinimafa angadinga izakhamuzi ukuthi ziveze ukuthi zinemali engakanani futhi, kwezinye izimo, ziphoqe ukuthengiswa kwalezo zimpahla kuHulumeni “ngenani lemakethe” elinqunywe ngeRandi laseNingizimu Afrika.

Izikhulu zokuphoqelela umthetho zinikezwa amandla abanzi okusesha abantu kanye “nezinto” zabo (kufaka phakathi amadivayisi) emingceleni ukuze zithole “ukuthunyelwa” okungagunyaziwe kwemali noma i-crypto.

Ezimweni zokulahlekelwa kwempahla, abanikazi bayadingeka ngokomthetho ukuthi banikeze wonke amaphasiwedi, ama-PIN, noma amakhodi ayimfihlo adingekayo ukuze uHulumeni afinyelele futhi alawule izimpahla zedijithali.

Ukwehluleka ukulandela le mithethonqubo, okuhlanganisa nokwenza “izitatimende ezingalungile” ezimemezelweni, kungaholela ekuhlawulisweni okufika ku-R1,000,000 kanye nokuboshwa iminyaka emihlanu.

• • Impikiswano Yokuthuthukiswa Kwesimanje:
    UMbuso ufuna ukufaka esikhundleni imodeli yokulawula ukushintshana "eyayivunyiwe ngaphambi kwesikhathi" ka-1961 ngohlelo lokuqapha "olusekelwe engcupheni". Lokhu kuhloswe ukuvimba ukugeleza kwezimali okungekho emthethweni, ukuqinisekisa ukuthi iNingizimu Afrika ayifakwanga ohlwini lwe-FATF olumpunga, futhi ivikele ukuzinza kweRandi laseNingizimu Afrika (i-ZAR).
  • Impikiswano Yobukhosi:
    Ngokuhlela kabusha cishe yonke into eyigugu njenge "capital", uHulumeni uthola ukubonakala okusemthethweni okudingekayo ukuphatha ingcebo yezwe emnothweni wedijithali, ongenamingcele.

• • Isigaba Sokubamba Konke:
    “Imali Eyinhloko” akuseyona imali esebhange kuphela. Manje ihlanganisa noma yini enenani lemali, noma yini engaguqulwa ibe yimali, kanye namalungelo empahla yobuhlakani (abhalisiwe noma angabhalisiwe).
  • Ukukhathazeka:
    Abagxeki bathi le ncazelo ibanzi kangangokuthi ingafaka ngokombono ubuciko, amalungelo obunikazi, izinqubo zebhizinisi, noma ngisho nezinto eziqoqwayo ezinenani eliphezulu, okwenza ukudluliselwa kwazo kumuntu ongeyena umhlali kube yindaba yemvume kaHulumeni.

• • Isipho Esiyimpoqo Esiya Esifundazweni:
    Uma uthola igolide (ngaphandle kobucwebe noma izinhlamvu zemali) elinenani elingaphezu “komkhawulo onqunyiwe,” kufanele ulinikeze uMgcinimafa Kazwelonke ukuze lithengiswe zingakapheli izinsuku ezingama-30.
  • Amanani Agxilile:
    UMgcinimafa Kazwelonke noma umuntu ogunyaziwe angalithenga leli golide ngentengo abayibekile, uma nje lingaphansi kwenani lemakethe ngosuku lokuthenga.

• • Ukunamathela Kwempahla:
    Nakuba “impahla engashukumi” (umhlaba) ingachazwa ngokuthi “inhloko-dolobha,” ifakiwe encazelweni “yempahla”. Ngaphansi koMthethonqubo 24, uMgcinimafa angayithatha impahla uma “enezizathu ezizwakalayo zokusola” ukuthi ihilelekile ekwephulweni kwale mithethonqubo.
  • Isaziso seTayitela:
    Uma umhlaba uthathwa, uMgcinimafa wazisa uMbhalisi Wezincwadi Zobunikazi, okumele abhale ukuthi lokhu kunamathiselwe ephepheni letayitela lendawo, okuzovimbela ikhono lomnikazi lokuyithengisa noma ukuyibopha.

• • Ukusesha Kwemingcele:
    Izikhulu zomthetho zingasesha umuntu wakho noma “izinto” (amafoni, ama-laptop) kunoma yiliphi ichweba lokungena uma zisola ukuthi uthutha imali noma i-crypto ngaphandle kweRiphabhulikhi ngaphandle kwemvume.
  • Isibopho Sephasiwedi:
    Uma impahla ilahleka, uMthethonqubo 25(5) udinga umnikazi ukuthi anikeze wonke amaphasiwedi, ama-PIN, noma amakhodi ayimfihlo adingekayo ukuze uMgcinimafa athole ukufinyelela.
  • Ukukhathazeka Ngomthethosisekelo:
    Ochwepheshe bezomthetho baxwayisa ngokuthi lokhu kudalulwa okuphoqelekile kungase kwephule ilungelo leSigaba 35 lokuzibopha kanye nelungelo leSigaba 14 lobumfihlo.

• • Amandla Ongqongqoshe:
    Imikhawulo eminingi isebenza kuphela ekuthengiselaneni noma ezimpahleni ezidlula "umkhawulo onqunyiwe".
  • Ukungaqiniseki Kwamanje:
    UNgqongqoshe Wezezimali unamandla okubeka nokushintsha lezi zimali ngesaziso kuGazethi. Njengoba uhlaka lukhona njengamanje, umphakathi ucelwa ukuba uvumelane nala mandla ngaphandle kokwazi ukuthi "umkhawulo" uzoba yi-R10,000 noma i-R10,000,000.

• • Ukubika Okunganaki:
    Umuntu wenza icala uma “ngokunganaki noma ngamabomu” enza isitatimende esingalungile kunoma yisiphi isimemezelo.
  • Izijeziso zobugebengu:
    Ukulahlwa yicala kungaholela ekuhlawulisweni okufika ku-R1,000,000 (noma inani lempahla, noma yiliphi elikhulu kunalelo) kanye/noma ukuboshwa iminyaka emihlanu.

• • Umbono Wesifundazwe
    Uhlelo lwamanje lubhekwa njengemodeli "yakudala" yokuvunyelwa kusengaphambili engasafanelekeli umnotho womhlaba wonke wedijithali. Imithethonqubo emisha ihlose ukuqhubekela phambili ohlakeni lokuqapha "olusekelwe engcupheni" olugxile ekuthengiselaneni okunenani eliphezulu, okunomthelela omkhulu kunokudinga imvume yokunyakaza okuncane kwemali ngayinye.
  • Umbono Wokuthobela Imithetho
    Ngemva kokuphuma kweNingizimu Afrika ohlwini lwe-FATF oluyimpunga ngo-Okthoba 2025, le mithethonqubo ihloselwe ukuletha izwe lihambisane ngokugcwele nezindinganiso zomhlaba wonke zokulwa nokuhlanzwa kwemali kanye nokuxhaswa ngezimali kobuphekula.

• • Ukuhlelwa kabusha njengeNhloko-dolobha
    Uhlaka lufaka ngokusobala "izimpahla ze-crypto" ngaphakathi kwencazelo "yemali".
  • Akufakiwe kuhlobo lwemali
    Okuphawulekayo ukuthi izimpahla ze-crypto zichazwa ngokwehlukana futhi zikhishwe ngokusobala ezincazelweni zomthetho "zemali" kanye "nemali yangaphandle". Lokhu kuqinisekisa ukuthi ziphathwa njengempahla ekhokhiswa intela noma izimpahla ezinkulu ngaphansi kwemithetho ethile yokuphatha kahulumeni.

• • Amandla Okuqinisekisa
    Ngaphansi koMthethonqubo 4(2), noma yimuphi umuntu ophuma noma ongena eRiphabhulikhi kumele amemezele ukuthi “unamandla okulawula” noma yiziphi izimpahla ze-crypto uma eceliwe yisikhulu sokuphoqelela umthetho.
  • Ukukhathazeka kwangasese
    Abagxeki bathi uMthethonqubo 4(3), ovumela izikhulu ukuthi ziseshe abantu kanye “nezinto” zabo (njengama-smartphone noma ama-laptop) ngokusekelwe “ezizathwini ezizwakalayo” zokusola, udala ingozi enkulu yokwephulwa kobumfihlo ngaphansi kweSigaba 14 soMthethosisekelo.

• • Ukudalula Okuphoqelekile
    Umthethonqubo 25(5) uthi noma yimuphi umuntu onezimpahla zakhe ze-crypto ezithathwe uHulumeni “kumele… anikeze imininingwane egcwele… yawo wonke amaphasiwedi, izinombolo zomazisi noma amakhodi” adingekayo ukuze uMgcinimafa alawule futhi alahle lezo zimpahla.
  • Impikiswano Yomthethosisekelo
    Ochwepheshe bezomthetho baxwayisa ngokuthi lesi sigaba singase sephule ilungelo leSigaba 35 lokulwa nokuzibeka icala, njengoba siphoqelela abantu ukuthi banikeze izindlela zobuchwepheshe zombuso zokuqedela ukuthathwa kwempahla yabo yangasese.

• • Ukuthenga Okuphoqelekile
    Ngaphansi koMthethonqubo 8, noma yimuphi umhlali othola izimpahla ze-crypto ezingaphezu komkhawulo othile kumele azimemezele zingakapheli izinsuku ezingama-30. UMgcinimafa noma umhlinzeki ogunyaziwe unelungelo lokuthenga lezi zimpahla, futhi umnikazi "kumele azithengise".
  • Isici Sokunxephezela
    Nakuba uMbuso kudingeka ukhokhe “inani lemakethe” ngeRandi laseNingizimu Afrika (i-ZAR), abagxeki babheka lokhu njengohlobo “lokuguqulwa ngenkani,” lapho izakhamuzi zixoshwa khona ezimpahleni ezihlukaniswe ngokwezimali bese zibuyiselwa emalini ye-fiat elawulwa nguhulumeni.

• • Isixhumanisi Esilahlekile
    Kuwo wonke uhlaka, imikhawulo kanye nezimemezelo eziphoqelekile zisebenza kuphela emananini "angaphezu komkhawulo onqunyiwe".
  • Isimo samanje
    Kusukela ngo-Ephreli 2026, uNgqongqoshe Wezezimali akakacacisi lezi zimali ezinqunyelwe. Lokhu kusho ukuthi umphakathi okwamanje ucelwa ukuthi uphawule ngamandla anikezwe yimithethonqubo ngaphandle kokwazi kahle ukuthi yimaphi amasayizi okuthengiselana azohloswa.

• • Amacala
    Ngaphansi koMthethonqubo 29, noma yimuphi umuntu ophula imithethonqubo, ohluleka ukuthobela umbandela, noma owenza “isitatimende esingalungile” esimemezelweni wenza icala lobugebengu.
  • Izinhlawulo Nesikhathi Sokuboshwa
    Izijeziso zifaka phakathi inhlawulo efinyelela ku-R1,000,000 (noma inani eliphelele lempahla ehilelekile, noma yiliphi elikhulu) kanye/noma ukuboshwa iminyaka emihlanu.