Isifinyezo sezichibiyelo ezihlongozwayo
ihlinzekwe ngu Seshree Govender – Webber Wentzel
Izichibiyelo ezihlongozwayo kuShejuli 1:
Ukwandiswa kohlu lweSheduli 1 lwamabhizinisi kuncike ekukhuthaleni okufanele kwekhasimende, ukulawula ubungozi kanye nezibopho zokuthobela ezibekwe ku-FICA (izikhungo eziphendulayo). Lezi zinhlangano zizobandakanya abahlinzeki besevisi ye-crypto asset, abathengisi bezimpahla zenani eliphezulu namabhange ama-co-operative, phakathi kwabanye; futhi
Izichibiyelo zobuchwepheshe Zohlu Loku-1 lwamabhizinisi, ukuze luqondanise iSheduli 1 nezinguquko zakamuva zomthetho.
Izichibiyelo ezihlongozwayo kuShejuli 2:
Izindikimba ezifanele zokuqondisa njengamanje ezinomthwalo wemfanelo wokwengamela izikhungo eziziphendulela okungezona ezezimali zisusiwe (isb. Ibhodi Likazwelonke Lokugembula eliqondisa ukuthotshelwa kwe-FICA kwabantu abaqhuba ibhizinisi lokwenza ukugembula kutholakale). Ukwenganyelwa kwezikhungo ezingaphenduleki ngezimali kuzoba umsebenzi weSikhungo Sobunhloli Kwezezimali.
Ukususwa koHlelo 3:
Ngenxa yokufakwa kwesigaba “sezimpahla zenani eliphezulu” samabhizinisi kuSheduli 1, Uhlelo 3 luzosuswa futhi izikhungo zamanje zokubika (abathengisi bezimoto nabakwa-Krugerrand) manje sezizofakwa esigabeni esisha sabathengisi bezimpahla zenani eliphezulu. ngaphansi kweshejuli 1.
Ukufakwa kwe-Crypto Asset Service Providers (“CASPs”) kuSheduli 1
Njengoba kwahlongozwa ekuqaleni “ephepheni lenqubomgomo yempahla ye-crypto” eyanyatheliswa yi-Inter-governmental Fintech Working Group ngoJanuwari 2020, izichibiyelo ezihlongozwayo kuShejuli 1 ye-FICA zizofaka into entsha, “abahlinzeki besevisi ye-crypto asset”. Lesi sichibiyelo esihlongozwayo sihambisana nesibopho seNingizimu Afrika sokuthobela Izincomo ze-FATF 15 (Ubuchwepheshe Obusha) ezachitshiyelwa ngo-2018 ukuze kubhekwane nokuphathwa “kwezimpahla ezingokoqobo”. Isichibiyelo esihlongozwayo sinezingxenye ezimbili:
Igama elithi "crypto assets" linikezwa incazelo elandelayo:
“umfanekiso wedijithali yenani elibonakalayo elingadayiswa noma lidluliselwe nge-elekthronikhi phakathi komphakathi wabasebenzisi be-inthanethi abakubheka njengendlela yokushintshanisa, iyunithi ye-akhawunti noma isitolo senani futhi sikusebenzisele izinjongo zokukhokha noma zokutshala imali, kodwa zihlanganisa ukumelwa kwedijithali kohlobo lwemali ye-fiat noma isibambiso njengoba kuchazwe kuMthetho Wezimakethe Zezezimali, wezi-2012 (uMthetho we-19 wezi-2012)”; futhi
Uhlu lwama-CASP oluzofakwa kuSheduli 1 kuya ku-FICA, oluhlinzeka ngokulandelayo:
- ukushintshanisa i-crypto asset ngemali ye-fiat noma ngokuphambene nalokho;
- ukushintsha uhlobo olulodwa lwempahla ye-crypto kwenye;
- ukwenza umsebenzi ohambisa impahla ye-crypto isuka kwelinye ikheli le-crypto asset noma i-akhawunti iye kwenye;
- ukugcinwa okuphephile noma ukuphathwa kwempahla ye-crypto noma ithuluzi elivumela ukulawula impahla ye-crypto; futhi
- ukubamba iqhaza kanye nokuhlinzekwa kwezinsizakalo zezezimali ezihlobene nokunikezwayo kokhiphayo noma ukuthengiswa kwempahla ye-crypto.
Umthelela wesichibiyelo esihlongozwayo
Uhlu lwama-CASP lubanzi kakhulu futhi luzobandakanya iningi lamabhizinisi e-CASP eNingizimu Afrika (okuhlanganisa nabahlinzeki bezinsizakalo abasebenza ngaphandle kwezwe). Umphumela uzoba ukuthi wonke la mabhizinisi azothathwa “njengezikhungo eziphendulayo” futhi kuyodingeka ukuthi ahambisane nezidingo ezahlukene zokulawula kanye nezibopho ezibekwe “ezikhungweni eziphendulayo” yi-FICA, okuhlanganisa:
- Ukubhalisa “njengesikhungo esiphendulayo” ne-FIC;
- Ukuqhuba inkuthalo efanele/KYC kuwo wonke amakhasimende ngokuhambisana nendlela esekelwe engozini; futhi
- Ukuthuthukisa, ukusebenzisa kanye nokugcina Uhlelo Lokulawulwa Kwengozi kanye Nokuthobelana (“RMCP”).