- Ukuguqula izimpahla zangempela zibe amathokheni edijithali ukuze kuthuthukiswe uketshezi kanye nokunciphisa izindleko zenhlokodolobha.
- Inqubekela phambili yezinhlaka zomthetho emazweni afana neBrazil, i-Argentina ne-El Salvador ukuze kuhlinzekwe ngokuqiniseka kwezomthetho.
- Umthelela ophazamisayo emikhakheni yeqhinga njengezindlu, ezolimo, amandla kanye nokuxhaswa ngezimali kwama-SME.
Namuhla, iLatin America akuyona indawo lapho ukugeleza kwemali yomhlaba wonke kuhlala khona, hhayi ngenxa yokuntuleka kwezimpahla ezibalulekile, kodwa ngoba uhlelo lwezezimali lwendabuko , amashumi eminyaka, belulokhu luhamba kancane kakhulu, lubiza kakhulu, futhi, ngaphezu kwakho konke, lubandlulula. Kodwa-ke, sibona ushintsho olubonakalayo ngenxa yokwenziwa kwamathokheni, okuhilela ukuguqula amalungelo obunikazi ngaphezu kwezinsimbi zezimali noma izimpahla ezibonakalayo zibe amathokheni edijithali kusetshenziswa ubuchwepheshe be-distributed ledger, noma i-DLT.
Le nqubo akuyona nje into edlulayo emhlabeni we-crypto, kodwa iyithuluzi eliyisu lokuthuthukisa ingqalasizinda ekhiqizayo yesifunda. Ngokuhlukanisa izimpahla ezivame ukuba nzima ukuzithenga noma ukuzithengisa, njengesakhiwo noma isivuno, umnotho wangempela uxhumene nemali yedijithali yomhlaba wonke, ukuqeda ukungezwani kokusebenza nokuvumela abatshalizimali abavela noma kuphi emhlabeni ukuthi bafinyelele amathuba endawo kalula.
Uhlaka lwezomthetho kanye nokuqiniseka kokulawula
Ukuqinisekisa ukuthi lokhu akuhlali nje kuwukuhlolwa kwelebhu, uhlaka oluqinile lwezomthetho lubalulekile . Nakuba izindlela eziningi zokunikeza ezizimele ezikhona zingamunca amathuluzi athokheniwe ngaphandle kokudinga izinguquko zomthetho eziphelele, ukuqiniseka kwangempela kwezomthetho kudinga ukuqashelwa okusemthethweni kwezinkontileka ezihlakaniphile kanye nokugcinwa kwedijithali njengezinto ezisemthethweni zomthetho wezokuphepha.
Kulokhu, le ndlela ithanda izimiso ezisekelwe kanye nokungathathi hlangothi kwezobuchwepheshe. Akukhona mayelana nokuzibophezela kubuchwepheshe obuthile, kodwa kunalokho mayelana nokuqinisekisa ukwethembeka nokuthembeka kohlelo . Izinhlaka zomhlaba wonke ezifana nomthethonqubo we-MiCA we-European Union kanye nezindinganiso ze-DTCC kanye ne-World Economic Forum zisebenza njengekhampasi yezimakethe zaseLatin America ukuheha utshalomali lwangaphandle ngaphandle kokubeka engcupheni ubuqotho bohlelo lwezezimali.
Abaholi besifunda: iBrazil, i-Argentina kanye ne-El Salvador
Uma sibheka imephu, iBrazil cishe iyona umfundi othuthuke kakhulu. Ngezinhlelo ezihlanganisiwe phakathi kwamabhange nabalawuli, bafinyelele ukukhula okukhulu kwenani lamathokheni empahla yangempela . Kulinganiselwa ukuthi ukwenziwa kwamathokheni kungavula izigidigidi zama-reais esikweletu, kuguqule indlela iziqinisekiso zemali mboleko eziphathwa ngayo ezweni.
Ngakolunye uhlangothi, i-Argentina ibe yinto emangalisayo ngohlaka lwayo lokulawula oluguquguqukayo. I-National Securities Commission isebenzise uhlelo olunezingqimba oluvumela ukumelwa kwedijithali kwamasheya , ama-trust, kanye nezimali ezivaliwe. Lokhu kubaluleke kakhulu ezweni lapho ukwamukelwa kwama-stablecoins sekuvele kwakha isisekelo samasiko esilungiselelwe lokhu kugxuma kwedijithali, kunciphisa ukuthembela kubalamuli abahamba kancane.
Asikwazi ukukhohlwa i-El Salvador, ezibeke njengomholi emakethe enqamula imingcele. Ngenxa yokudalwa kwerejista ye-Virtual Asset Service Provider (VAS), izwe likhulise indawo yokulawula yokwethembana eheha izinkampani zamazwe ngamazwe futhi ikhuthaza ukwamukelwa kabanzi kwezimpahla zedijithali ezilawulwayo.
Imikhakha enethuba elikhulu lokukhula
Ukwenziwa kwe-tokenization kukhanya kakhulu uma kuxazulula inkinga yangempela yokuntuleka kwemali. Eminye yemikhakha lapho ikhombisa khona amandla amakhulu yile:
- Izindlu Nengqalasizinda: Ivumela izakhiwo ukuthi zihlukaniswe zibe yizingxenyana ezincane, kunciphisa ithikithi lokungena elincane kumtshali-zimali kanye nokuthuthukisa ukulandelelwa.
- Ezolimo kanye Nezimpahla Ezithengiswayo: Ukwenza amathokheni ezinqolobaneni eziqinisekisiwe kanye nezinkontileka zokuthenga kusiza umkhakha wezolimo ukuthi uthole imali eshibhile kanye nezimakethe zomhlaba wonke.
- Amandla Nokuzinza: Amakhredithi ekhabhoni kanye namaphrojekthi wamandla avuselelekayo azuza ekuphathweni okusobala okuhambisana nezindinganiso ze-ESG.
- Ukuxhaswa ngezimali kwama-SME: Kuyithuba elihle lokwenza ama-invoyisi, ama-oda okuthenga kanye namakhredithi akhiqizayo, kuhlasela ngqo ukuntuleka kokufakwa kwezimali kwamabhizinisi amancane.
Kukhona ngisho nezindawo ezingakahlolwa kangako, njengezwe lama-franchise. Cabanga ngemodeli lapho uhlobo luhlela khona impahla kanye nabatshalizimali abahlanganyela khona ngamanani okutshalwa kwezimali afinyeleleka kalula , okuvumela ibhizinisi ukuthi likhule ngaphandle kokuthembela kuphela esikweletini sebhange sendabuko.
Izinselele zobuchwepheshe kanye nomhlahlandlela oya ku-2026
Akuyona yonke into elula; kunezinselele ezinkulu okufanele zinqotshwe. Ohlangothini lokulawula, ukungafani kwemithetho ezweni ngalinye kudala ukungaqiniseki mayelana nokuqashelwa ngokomthetho kwamathokheni kanye nezibopho ze-KYC (Yazi Ikhasimende Lakho) kanye ne-AML (Anti-Money Laundering). Okungeziwe kulokhu isidingo sokwenza ulwazi lube lujwayelekile ukuze ingqalasizinda ehlukene ikwazi ukuxhumana.
Ngokombono wobuchwepheshe, kubalulekile ukuqinisekisa ukuthi izinkontileka ezihlakaniphile ziyahlolwa futhi kuqinisekiswe ukuthi ukuxhumana nomhlaba wangempela ngokusebenzisa ama-oracle kuthembekile. Izikhungo eziningi zisantula izinqubo ezikhona zokuphatha umjikelezo wokuphila kwempahla ephelele , okudala isithiyo sokusebenza.
Kulindeleke ukuthi ngo-2026 umkhuba uzoba ukudlulela ngale kwamaphrojekthi okuhlola azimele futhi uye ekusetshenzisweni okuhlanganisiwe okusekelwe ekukhiqizeni ngaphakathi kwamabhange ezikhungo. Ukusetshenziswa kwezindinganiso zomhlaba wonke njenge-ERC-3643 kubalulekile lapha, njengoba kuvumela ukudalwa kwamathokheni enziwe ngokwezifiso ahlangabezana nokuhambisana okuqinile nezindinganiso zokuphepha, okwenza kube lula ukungena ngokuzethemba kwemali yezikhungo.
Ukuhlanganiswa kobuchwepheshe be-blockchain emnothweni waseLatin America kusuka esithembisweni kuya eqinisweni elibonakalayo. Ukuhlangana kwesidingo sokusebenza kahle, ukuvuthwa kokugcinwa kwedijithali, kanye nokuzimisela kwabalawuli emazweni abalulekile kubeka isisekelo semakethe yezimali yekhulu lama-21 , ekwazi ukwenza ukufinyelela kwezimali kube ngentando yeningi futhi ivuselele imikhakha ekhiqizayo ebilokhu inganakwa ngamabhange avamile.